Search found 49 matches

by NavyIC3
Sun Oct 14, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Using credit card rental car insurance
Replies: 14
Views: 1180

Re: Using credit card rental car insurance

Check to see if it is primary or secondary coverage. Primary means you do not have to submit a claim to your auto insurance company.
by NavyIC3
Sat Oct 13, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1628

Re: Gas Fireplaces

Probably not good to run a ventless fireplace too long due to the products of combustion being given off. Namely, carbon monoxide.
by NavyIC3
Sat Oct 13, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1628

Re: Gas Fireplaces

I'm having a direct vent gas insert installed in a week, so I don't have personal experience, just tons of research. 1. I would go with, and did go with, the electronic ignition. There's never anything stopping you from manually lighting the fireplace with a lighter if power was out, and for me, wi...
by NavyIC3
Mon Oct 08, 2018 6:25 am
Forum: Investing - Theory, News & General
Topic: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs
Replies: 23
Views: 2060

Re: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs

Isn't the 1.8% net of expenses meaning that is the actual yield you would get?
For example, if I have $1000 in a MM yielding 1.8%, I would collect $18 in interest at the end of 1 year. Am I right in my thinking?
by NavyIC3
Thu Oct 04, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12630

Re: What purchase saved you the most money?

Insulating the attic. Saved the cost of the insulation in the first year.
by NavyIC3
Wed Oct 03, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Comcast Triple Play modem
Replies: 9
Views: 552

Re: Comcast Triple Play modem

I have the Netgear CM500V. It was $129 at Bestbuy. Works perfectly. I use a seperate router.
by NavyIC3
Tue Oct 02, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1543

Re: Shows in Las Vegas for 6 and 8 year old

Beatles "Love" has great acrobatics. Great music and characters from their songs. A 6 or 8 year old wouldn't know about the Beatles but they still might find the show fun.
by NavyIC3
Wed Sep 19, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Gift Tax Form
Replies: 3
Views: 292

Gift Tax Form

I am going to gift my daughter $100,000. I understand that I have to file Form 709 with the IRS notifying them of the amount over the annual exclusion ($15,000). My question: is there a matching form that the IRS receives from a bank or brokerage? How would they know that I made a gift? I am well be...
by NavyIC3
Tue Sep 18, 2018 6:18 am
Forum: Personal Consumer Issues
Topic: Gas leak detector?
Replies: 21
Views: 1171

Re: Gas leak detector?

I'm curious if a gas detector would alert before a carbon monoxide detector would. I once smelled gas in my living room and traced it (via my nose) to a valve on an old line running to gas logs in my fireplace. I used the dish soap bubble test to confirm it was a leak and called a plumber to cap th...
by NavyIC3
Mon Sep 03, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: IDrive [Anyone using IDrive cloud backup?]
Replies: 3
Views: 493

Re: IDrive

Thanks Timerunner. Anyone else have any info on iDrive?
by NavyIC3
Sat Sep 01, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Medical liability claim settlement. What is fair?
Replies: 40
Views: 2659

Re: Medical liability claim settlement. What is fair?

When my daughter was 6 years old, we were in a car accident. She had to get some stitches in her forehead. We hired an attorney and settled out of court. The settlement was for 16,000. I invested it in mutual funds for her. Daughter is now 38. The value is now $230,000. It's all hers and she still w...
by NavyIC3
Sat Aug 25, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4269

Shingrix [Vaccine availability]

I received my first shot in May. Almost impossible to get the second shot. Back ordered at every pharmacy I called. Anyone else having a hard time getting Shingrix vaccine? I live in CT.
by NavyIC3
Sat Aug 18, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Need help identifying a smell
Replies: 12
Views: 1315

Re: Need help identifying a smell

Try sniffing around the back and under of the refrigerator
by NavyIC3
Sat Aug 18, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1243
Views: 214436

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Fidelity offers free trades for a transfer but that's only good if you trade often. Has anyone negotiated a cash bonus from Fidelity?
by NavyIC3
Thu Aug 09, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: IDrive [Anyone using IDrive cloud backup?]
Replies: 3
Views: 493

IDrive [Anyone using IDrive cloud backup?]

Anyone use IDrive as a cloud backup? Any opinions on it? I use Mozy now but am thinking of switching.
by NavyIC3
Mon Aug 06, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: End of life planning cost
Replies: 3
Views: 641

Re: End of life planning cost

We paid $2500 four years ago for the same documents.
by NavyIC3
Sun Aug 05, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 3220

Re: USPS Informed Delivery

Can you go to any post office for verification or just the ones listed? None of the PO's listed are close to me.
by NavyIC3
Sun Aug 05, 2018 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Yogi said it. It must be true.
Replies: 21
Views: 2627

Re: Yogi said it. It must be true.

"You can observe a lot by watching'
"We made too many wrong mistakes" On why the Yankees lost the 1960 World Series.
"If people don't want to come out to the stadium, nobody's going to stop them"
by NavyIC3
Fri Aug 03, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9907

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I think if you purchase your travel using Chase Reserve Visa then your medical evacuation is covered. Not evac to home, only to nearest suitable facility. According to the CSR Benefits Guide: What are the conditions for emergency evacuation? a) Your medical condition warrants immediate transportati...
by NavyIC3
Fri Aug 03, 2018 6:32 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9907

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I think if you purchase your travel using Chase Reserve Visa then your medical evacuation is covered. Not evac to home, only to nearest suitable facility. According to the CSR Benefits Guide: What are the conditions for emergency evacuation? a) Your medical condition warrants immediate transportati...
by NavyIC3
Sun Jul 29, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve travel insurance
Replies: 33
Views: 3634

Re: Chase Sapphire Reserve travel insurance

What part of the travel insurance are you having issues with? Their travel insurance covers 6 major categories outlined here: https://www.creditdonkey.com/chase-sapphire-travel-insurance.html I'm not familiar first-hand with any charge card coverages, but the link above to the Chase Sapphire benefi...
by NavyIC3
Fri Jul 20, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 2554

Re: Laminate Floor making 'popping' noise

Check out a rotary saw.
by NavyIC3
Thu Jul 19, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Israel Private Tours
Replies: 3
Views: 458

Israel Private Tours

Going on a cruise that visits Haifa for a two days. Would like to take a tour to Jerusalem for an overnight stay. Anyone have any experience with tour companies that provide transportation, hotel and guides for this type of tour? The cruise ship offers tours but I would rather go on a smaller, priva...
by NavyIC3
Wed Jul 11, 2018 5:09 am
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2293

Re: Replace water heater at end of warranty or repair?

There have been several posts here about anode replacement. If you have limited clearance above the water heater, you will need a segmented replacement anode. Max price should be less than $30 from Amazon. It may be necessary to cut the old rod into pieces as you take it out, or you may be able to ...
by NavyIC3
Wed Jun 13, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: NYC 457 Deferred compensation plan - is it safe?
Replies: 5
Views: 635

Re: NYC 457 Deferred compensation plan - is it safe?

The NYC 457 plan is held in a trust and is protected against creditors. I enrolled in NYC 457 plan in 1986 when it first came into existence. The plan has gotten much worse over the years. They do not publish newsletters any more so there is no way of knowing what's going on with the plan. The info ...
by NavyIC3
Tue Jun 05, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Water Heaters
Replies: 27
Views: 2335

Re: Water Heaters

An anode replacement is much less expensive than replacing the entire unit. If you are handy, you might be able to do it yourself. However, anode replacement is preventative. If you wait for the tank to fail, then it is too late. Unfortunately in my area the vast majority of water heaters and furna...
by NavyIC3
Mon May 28, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Remote temperature monitoring
Replies: 22
Views: 1928

Re: Remote temperature monitoring

A camera pointed at a thermometer isn't going to help if the power is out and takes down your wifi, furnace and thermostat too. Are you also going to be checking the camera image daily to make sure all is well, since it is not going to actively alert you? If your internet is down are you going to p...
by NavyIC3
Tue May 22, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: End of Car Lease Grace Period
Replies: 1
Views: 487

End of Car Lease Grace Period

I extended the end of my Lexus lease for one month. When I spoke to Lexus Financial, the woman told me that I have a 10 day grace period on returning the car. I am not talking about the final payment. My lease ends on July 29. I was told that I have 10 days after that date to return the car without ...
by NavyIC3
Tue May 22, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Lease buyout negotiation tips?
Replies: 21
Views: 2307

Re: Lease buyout negotiation tips?

Does anyone know if the dealer gets paid from the leasing company when a leased car is returned? I know that the disposition fee is waived under certain conditions. I would think that the dealership gets some form of compensation for handling the return. I'm wondering if this can be used as leverage...
by NavyIC3
Thu May 03, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Social Security for a Widow
Replies: 10
Views: 1404

Re: Social Security for a Widow

Does the widower receive survivors benefits OR their own SS (but not both)? If they are below age 60 with no dependents, they can choose to receive them when they turn 60 and then take their own benefits at age 70? You don't say if your sister is working or not. If she's still working and under her...
by NavyIC3
Wed May 02, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Social Security for a Widow
Replies: 10
Views: 1404

Re: Social Security for a Widow

Thanks for the ideas
by NavyIC3
Mon Apr 30, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Social Security for a Widow
Replies: 10
Views: 1404

Social Security for a Widow

Sister became a widow at age 58 (born 1959). Her husband died at age 61. Can she collect Social Security on her own account at age 62 and then collect on her husband’s account when she reaches 67?
by NavyIC3
Mon Apr 30, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: Advice on cleaning up after a kitchen fire?
Replies: 8
Views: 1090

Re: Advice on cleaning up after a kitchen fire?

Like sport said hire a firm that specializes in this. Smoke damage can be very costly to clean up. It's very hard to get rid of the odor. Lingering odors can be noticeable on humid or rainy days. Insurance should cover this. When getting repairs done, you should consider having a service switch inst...
by NavyIC3
Fri Apr 13, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Fender bender in parking lot, he said she said. What's the effect on my going to be?
Replies: 17
Views: 1606

Re: Fender bender in parking lot, he said she said. What's the effect on my going to be?

If it's only going to be a few hundred bucks, I would forgo notifying my insurance company and pay for repairs out of pocket. The repairs might even be less than your deductible.
by NavyIC3
Mon Apr 09, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Dual smoke detectors with voice location
Replies: 5
Views: 485

Re: Dual smoke detectors with voice location

The most important thing with detectors are to have enough of them and make sure they are in working order. Test them frequently. I test mine monthly and change all batteries on January 1 of each year. Mine are hardwired so batteries are for backup.
by NavyIC3
Sun Apr 01, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Rewire Whole House Humidifier To Run With Fan
Replies: 6
Views: 649

Rewire Whole House Humidifier To Run With Fan

Lennox air handler system with gas hot air and an AC unit. Humidifier is a bypass type wired to run when heat is on and humidistat calls for it. Water supply is cold water. I would like to set it up to run when the fan comes on to increase the humidity. Nest thermostat has an option to schedule fan ...
by NavyIC3
Thu Mar 29, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: Denver to Salt Lake City
Replies: 12
Views: 1465

Re: Denver to Salt Lake City

Thanks for the advise. I think we will eliminate Albuquerque and spend more time in CO and UT.
by NavyIC3
Mon Mar 26, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Denver to Salt Lake City
Replies: 12
Views: 1465

Denver to Salt Lake City

Flying to Denver. Renting a car and driving around Colorado to SLC. Two week trip in June. Plan on spending 2 days in Denver and then drive to SW Colorado and spend 5-6 days. Then to Albuquerque for 2 days, then finish up in SLC. Any ideas on things to do, places to see, restaurants, etc. We do not ...
by NavyIC3
Wed Mar 21, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Outdoor Blower
Replies: 24
Views: 1640

Re: Outdoor Blower

I have the EGO battery powered blower (Home Depot) and really like it a lot. I already had a couple of other EGO products, so I just bought the blower without the battery. This product greatly exceeded my expectations and I find it handy for uses I never considered when I bought it. It is very quie...
by NavyIC3
Sun Mar 18, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Downtown Boston Hotels - Omni vs Hilton
Replies: 7
Views: 784

Re: Downtown Boston Hotels - Omni vs Hilton

Omni is a great location. Rooms are small. Club Quarters is in the same area. Rooms are also small. Staying at either one is walking distance to Fanuele,
the North End, Aquarium, Union Street and Freedom Trail China Town, Downtown Crossing.
by NavyIC3
Tue Mar 13, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Need Advice - Electric Hot Water Heater
Replies: 28
Views: 2473

Re: Need Advice - Electric Hot Water Heater

I would get a 50 gal. electric for a one person household. The rule of thumb is that only 80% of the tank is usable "hot" water. The recovery time for electric water heaters is very slow vs gas.
by NavyIC3
Sun Feb 11, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Comcast Modem
Replies: 35
Views: 3885

Re: Getting Rid of Comcast Modem

I ordered this modem with voice (CM500V-100N) from BestBuy for $129.99. I did not receive it yet but it is Comcast compatible.
by NavyIC3
Thu Feb 08, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Part 2
Replies: 6
Views: 1051

Re: Comcast Modem Part 2

Colorado Guy, thank you. You explained it perfectly. I will be going to BestBuy to get one.
Jeff: I spoke to Comcast and that doesn't seem to be an option. If I keep their gateway for phone only I would still have to pay the rental fee.
by NavyIC3
Thu Feb 08, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Part 2
Replies: 6
Views: 1051

Comcast Modem Part 2

I currently have a Comcast Cisco gateway that I am using as a modem because I have a Netgear router. I have my phone line coming from the modem. Do I have to replace it with a gateway or can I just buy a wifi modem? What type of modem do I need? This is my current gateway: Cisco Model DPC3941T DOCSI...
by NavyIC3
Wed Feb 07, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 3581

Re: Comcast Modem Rental

Thanks for all the help. I currently have a Comcast Cisco gateway that I am using as a modem because I have a Netgear router. I have my phone line coming from the modem. What type of modem do I need? Do i have to replace it with a gateway or can I just buy a wifi modem? What type of modem do I need?...
by NavyIC3
Tue Feb 06, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 3581

Comcast Modem Rental

Comcast is charging $11/mo. for modem rental. Any thoughts on buying a modem to eliminate the rental fee?
Are there any problems with doing this?
by NavyIC3
Fri Jan 12, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Insurace-Any (Meaningful) Difference in Policy Coverages?
Replies: 6
Views: 472

Re: Insurace-Any (Meaningful) Difference in Policy Coverages?

Umbrella is just excess liability and doesnt protect against things that the underlying policies dont cover. Amica and Chubb wont fight you about claims. If there's a chance of major property damage, it might be worth paying more. eg frozen/burst pipes or storm damage/new roof. Umbrella protects ag...
by NavyIC3
Thu Jan 11, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 3599

Antarctica [anyone traveled there?]

Has anyone been there? Your thoughts on it. We are going with Tauck on Ponant Le Boreal.