Search found 57 matches

by biscuits
Mon Jan 13, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1187

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

Novice Q - Why does Volvo pay for 2 RT tickets, hotel stay and and such? Do they still make money on car price even after giving 9% off MSRP? Good questions which I can't answer. Maybe someone else can. I was told it was subsidized by the Swedish government as a tourist promotion. And manufacturers...
by biscuits
Mon Jan 13, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1187

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

niceguy7376 wrote:
Mon Jan 13, 2020 4:18 pm
Novice Q - Why does Volvo pay for 2 RT tickets, hotel stay and and such? Do they still make money on car price even after giving 9% off MSRP?
Good questions which I can't answer. Maybe someone else can.
by biscuits
Mon Jan 13, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1187

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

In addition to the delay to receive your vehicle, another downside is that the price is not negotiable. If it is in fact 9% off of MSRP you have a chance of doing better were you to go the more conventional route of bargaining with a local dealer. One other thing to check, I believe that in some st...
by biscuits
Mon Jan 13, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1187

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

We almost did that with a Volvo sedan several years ago but ended up getting another car. It seemed like a great program! As someone who just went through a similar purchase decision, we had it down to the Volvo, the Highlander, and the new Kia Telluride. We ended up getting the Telluride and we re...
by biscuits
Mon Jan 13, 2020 4:39 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1187

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

My sister in law did this with a new BMW 10+ years ago. It worked out fine until the car was shipped back then it was tracked as received in the US but no one at the dock where they were supposed to pick it up knew where the car was at. They lived on the east coast so they were just going to pick i...
by biscuits
Mon Jan 13, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1187

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

It's a program with a great reputation. Only snag is that it can take a while for the car to get to you from Europe. If you don't need it delivered on a tight schedule, it's a great program! I'd like to do it at some point. Yes, you are right about that. Looks like delivery can take several months....
by biscuits
Mon Jan 13, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1187

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

My wife and I did this about 10 years ago. Hotel was nice and everything went as described. Did some sightseeing in Gothenburg and a day trip to Malmo and Copenhagen using the SUV. We had a great time. Gothenburg is cold in the winter, would suggest spring visit if you can. Thanks! Good to hear. Ye...
by biscuits
Mon Jan 13, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1187

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

barnaclebob wrote:
Mon Jan 13, 2020 2:18 pm
I haven't done it but all reports that I've read about it are good. There really aren't any gotchas as far a I know.
Thanks! That's reassuring.
by biscuits
Mon Jan 13, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1187

Anyone bought a Volvo with Swedish pickup/shipment to US option?

My husband and I are considering buying the Volvo SC90 T8 (plug-in hybrid SUV), thanks to a suggestion on this forum. We test-drove it last weekend and liked it a lot. The dealer told us about their pick-up-in-Sweden program: we receive 2 r/t tickets to Gothenburg, an overnight in a hotel, transfer ...
by biscuits
Mon Jan 13, 2020 1:08 am
Forum: Personal Consumer Issues
Topic: College Reunion Destination
Replies: 46
Views: 2632

Re: College Reunion Destination

Since it is August, another option would be to go the other direction and visit Canada. For example: https://www.novascotia.com/explore/road-trips/nova-scotia-golf-trail Seconding the Nova Scotia suggestion: yes, it's in the NE, but not the NE US. Check out Cabot Links, in Inverness, Cape Breton: h...
by biscuits
Sat Jan 11, 2020 6:56 pm
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 14
Views: 1631

Re: Seeking recommendations for Hybrid SUV with Excellent Safety Features

Volvo XC60 T8. You will not find a safer PHEV. Best vehicle I’ve ever owned or rode in. I would bet the XC90 T8 is safer:) Realistically the safety differences between the xc60,xc 90, MB GLC 350e, MB GLE550e, Cayenne hybrid,... are going to very small. Thanks randomguy and RootSki--we drove the XC6...
by biscuits
Sun Jan 05, 2020 1:00 am
Forum: Personal Consumer Issues
Topic: New Zealand Train trip
Replies: 77
Views: 3476

Re: New Zealand Train trip

I bet the coastal train from Christchurch to Wellington is fun. We drove that route last April, and there was a lot of major construction and repair work to the earthquake damage of several years ago, with many construction holdups along the way. We kept looking longingly at the train tracks, wishin...
by biscuits
Sat Jan 04, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: New Zealand Train trip
Replies: 77
Views: 3476

Re: New Zealand Train trip

Now that you have settled on your itinerary, here are a few specific suggestions, in case they are helpful (all of these hotels are splurgy--this was a splurgy trip for us, celebrating a big post-health-crisis birthday). We spent a month in NZ last spring, travelling between North & South Island, by...
by biscuits
Tue Dec 24, 2019 1:34 am
Forum: Personal Consumer Issues
Topic: New Mexico Camping in June with Kids
Replies: 12
Views: 967

Re: New Mexico Camping in June with Kids

Bandelier National Monument is a spectacular park, with Native American cliff dwellings that your kids would probably love to visit. I haven't camped there myself, but I have seen their campgrounds and they look very nice. The park is close to Los Alamos, with the Bradbury Museum, and about an hour'...
by biscuits
Fri Dec 20, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing Health Care expenses in retirement
Replies: 30
Views: 2484

Re: Minimizing Health Care expenses in retirement

Biscuit. Are you really going to pay $431 for a MediGap medical and drug plan per month? That seems crazy expensive to me. I suggest you look into the numbers for some mistake. If not then you should probably buy regular Medigap Insurance and forget your state plan. It would only cost you $200 or s...
by biscuits
Thu Dec 19, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing Health Care expenses in retirement
Replies: 30
Views: 2484

Re: Minimizing Health Care expenses in retirement

I am about to start Medicare as a state government retiree. My monthly costs will be: excellent state retiree Medicare supplement including drug & vision coverage (would be cheaper if I'd worked for the state longer): $431 dental coverage premium: $42 longterm care premium (for excellent policy): $2...
by biscuits
Sun Dec 15, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 14
Views: 1631

Re: Seeking recommendations for Hybrid SUV with Excellent Safety Features

I had a 2010 Lexus RX 450 Hybrid which I liked very much - very comfortable and quiet, although it did not have some of the safety features that are now common in latest versions like blind spot monitoring, collision avoidance, etc. I replaced it with a 2017 Cadillac XT5 which had all those safety ...
by biscuits
Sun Dec 15, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 14
Views: 1631

Re: Seeking recommendations for Hybrid SUV with Excellent Safety Features

Thank you, WildBill! We will take a look at that Lexus, and thanks for the advice on the navigation system. Will keep that in mind.
by biscuits
Sun Dec 15, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth raising LTCi premiums 150% over next 5-7 years
Replies: 165
Views: 8673

Re: Genworth raising LTCi premiums 150% over next 5-7 years

We received the annual "we are raising your premiums 15% next year" letter from Genworth LTCi. We expected this. What surprised us was the next paragraph: "We plan to request at least 150% in additional premiums over the next 5-7 years." We have had this Cadillac policy since 2003, and we are loath...
by biscuits
Sun Dec 15, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 14
Views: 1631

Re: Seeking recommendations for Hybrid SUV with Excellent Safety Features

Thank you both very much! We will look at the Highlander & the Rav 4. The plug-in option would be great, but we probably can't wait for the 2021 model.

Thanks!
by biscuits
Sun Dec 15, 2019 1:17 am
Forum: Personal Consumer Issues
Topic: Seeking recommendations for Hybrid SUV with Excellent Safety Features
Replies: 14
Views: 1631

Seeking recommendations for Hybrid SUV with Excellent Safety Features

We've never been really into cars, and have tended to buy used, and drive them forever. BUT--we are aging and feel it's time to buy a new car with all the best and latest safety features. We'd like a hybrid SUV, comfortable for long trips (roomy--DH is a big guy), and as safe as we can get. Paying c...
by biscuits
Mon Dec 09, 2019 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retired recently and buying your own insurance? How bad is it?
Replies: 54
Views: 5455

Re: Retired recently and buying your own insurance? How bad is it?

Agreed with the above--go to the ACA website & research your options. You should probably continue on COBRA if you have that option. I retired at 60 and continued my great employee group health insurance for the allowed 18 months. Then went on a high-deductible ACA plan (and contributed to an HSA). ...
by biscuits
Sun Dec 08, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Gave all personal info to phone scammer
Replies: 31
Views: 5084

Re: Gave all personal info to phone scammer

Thanks to the OP and to lawman3966 for his chilling story of a sophisticated scam. I can certainly imagine myself falling for that one, particularly when travelling, and this is a cautionary tale I will not forget!

Good luck to OP.
by biscuits
Thu Dec 05, 2019 11:15 pm
Forum: Personal Investments
Topic: Future Rental Property
Replies: 28
Views: 2154

Re: Future Rental Property

If you were able to manage it as a short-term rental, you might well give yourself more of a retirement project, and also reap more rent while retaining more flexibility. I inherited a condo which I now manage as a short-term rental, and the advantages of that for me include greater annual rental re...
by biscuits
Thu Dec 05, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: pension plan with survivor benefits for child?
Replies: 20
Views: 1054

Re: pension plan with survivor benefits for child?

I am a state government retiree, and while most of our retirees make their spouse their survivor, we do have the option of naming anyone we choose. However, with a significant age gap, the pension payment is significantly reduced. So, this does seem possible to me. Of course I don't know enough abou...
by biscuits
Tue Nov 05, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6537

Re: Airbnb - Guide a beginner

Yes, VRBO & Airbnb are different companies. I felt this was appropriate to post here because a number of previous posters referenced VRBO. Many travellers use both and many owners list on both. I have not listed on Airbnb because of my impression that they do not let owners and travellers communicat...
by biscuits
Tue Nov 05, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6537

Re: Airbnb - Guide a beginner

I own a condo which I've listed on VRBO for 6 years now. Here are a few tips from an owner's perspective: *VRBO/HomeAway was bought by Expedia in 2016, and the "service fee" paid by the traveller (about 10%) was introduced, while the listing fee paid by the owner was dropped from about $1800/annuall...
by biscuits
Mon Nov 04, 2019 9:07 pm
Forum: Personal Investments
Topic: Help me pull the trigger on rolling over two TIAA Retirement Accounts to Vanguard Rollover IRA
Replies: 23
Views: 1411

Re: Help me pull the trigger on rolling over two TIAA Retirement Accounts to Vanguard Rollover IRA

I'm retired, mid-60's and about 6% of my portfolio is at TIAA, entirely in TIAA Traditional. I'm letting it grow until RMD time, at which point I may annuitize it. For now, I consider it part of my bond allocation, and enjoy its slow, steady growth without volatility. The illiquidity is not a proble...
by biscuits
Mon Nov 04, 2019 10:33 am
Forum: Investing - Theory, News & General
Topic: Preparing for Your Best Retirement course
Replies: 14
Views: 2558

Re: Preparing for Your Best Retirement course

katykillers-- I am considering taking the course for the same reasons. I watched the promotional webinar, and I think the discipline might be good for me. I feel pretty confident in some areas, but there are others (such as tax planning and preparing for cognitive decline) where I need some nudges a...
by biscuits
Mon Oct 28, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Travel hacking international flights
Replies: 50
Views: 5378

Re: Travel hacking international flights

I have a Chase Mileage Plus card, a Chase Mileage Plus Business card, and a Sapphire card, all of which I use strategically to get the maximum points on United. For instance: the Sapphire card gives 4 points per dollar on Travel, and my gym is attached to a hotel, and the annual charge comes throug...
by biscuits
Sun Oct 27, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Travel hacking international flights
Replies: 50
Views: 5378

Re: Travel hacking international flights

I have a Chase Mileage Plus card, a Chase Mileage Plus Business card, and a Sapphire card, all of which I use strategically to get the maximum points on United. For instance: the Sapphire card gives 4 points per dollar on Travel, and my gym is attached to a hotel, and the annual charge comes through...
by biscuits
Sun Oct 20, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: SAT/ACT prep courses worth the money?
Replies: 47
Views: 3303

Re: SAT/ACT prep courses worth the money?

This was twenty years ago, but our daughter raised her SAT scores 100 points after taking a prep course (Princeton or Kaplan--sorry, I can't remember) that ran every Saturday morning for about 8-10 weeks at a local college. She was very motivated to raise her scores (they were a bit under the wire f...
by biscuits
Wed Sep 18, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4329

Re: International Medical emergency story [travel to Canada, no insurance]

True story of medical emergency in Canada, with more detail and action items: My husband had a medical emergency recently while visiting Canada from the US. He received excellent emergency care from the EMT's, quick ambulance transportation to a rural hospital, CT scans and excellent emergency care...
by biscuits
Wed Sep 18, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4329

Re: International Medical emergency story [travel to Canada, no insurance]

Here is the one thing we did not anticipate: my husband's insurer, USAA, requires proof of the exact dates on which we entered and departed Canada. The only proof they accept are airline tickets, airline itineraries, and passport stamps. We drove, and the border crossings we used no longer stamp pa...
by biscuits
Tue Sep 17, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4329

Re: International Medical emergency story [travel to Canada, no insurance]

Thanks, RM, that's helpful. Can you recommend any particular insurance companies? I'd start with www.TripInsuranceStore.com - a broker, and that's who we use (no extra charge to go through them). They vet the insurers they work with, so I don't read about problems with collecting, etc. We use Trave...
by biscuits
Tue Sep 17, 2019 9:51 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4329

Re: International Medical emergency story [travel to Canada, no insurance]

When we were crossing the border into Canada (at Calais, Maine), we asked for passport stamps, and were told by the border agent: "We don't just hand those out the way we used to. You would have to go into the office and have an interview and a criminal background check. I see you are NEXUS members...
by biscuits
Tue Sep 17, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4329

Re: International Medical emergency story [travel to Canada, no insurance]

Thanks, RM, that's helpful. Can you recommend any particular insurance companies?
by biscuits
Tue Sep 17, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4329

Re: International Medical emergency story [travel to Canada, no insurance]

.....not sure what percentage of the costs of out-of-country emergency care it pays, but I do know that there is a lifetime cap of $50,000 on those benefits. (You are probably right about the 80%. I just don't have it in front of me right now.) Thanks for the clarification. Don't mean to scare you,...
by biscuits
Tue Sep 17, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4329

Re: International Medical emergency story [travel to Canada, no insurance]

.....not sure what percentage of the costs of out-of-country emergency care it pays, but I do know that there is a lifetime cap of $50,000 on those benefits. (You are probably right about the 80%. I just don't have it in front of me right now.) Thanks for the clarification. Don't mean to scare you,...
by biscuits
Tue Sep 17, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4329

Re: International Medical emergency story [travel to Canada, no insurance]

.....husband is on Medicare, and has a supplemental policy that reimburses up to $50,000 for out-of-country emergency medical care on trips not exceeding 60 days. ....... Just to clarify, isn't this supplemental policy from USAA either Medigap Plan C, F, G, M or N, and that it pays 80% of the costs...
by biscuits
Tue Sep 17, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4329

Re: International Medical emergency story [travel to Canada, no insurance]

The NEXUS card is a "trusted traveller card." From the Canadian Border Patrol website: The NEXUS program allows pre-screened travelers expedited processing when entering the United States and Canada. Program members use dedicated processing lanes at designated northern border ports of entry, NEXUS k...
by biscuits
Tue Sep 17, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4329

Re: International Medical emergency story [travel to Canada, no insurance]

When we were crossing the border into Canada (at Calais, Maine), we asked for passport stamps, and were told by the border agent: "We don't just hand those out the way we used to. You would have to go into the office and have an interview and a criminal background check. I see you are NEXUS members,...
by biscuits
Tue Sep 17, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4329

Re: International Medical emergency story [travel to Canada, no insurance]

True story of medical emergency in Canada, with more detail and action items: My husband had a medical emergency recently while visiting Canada from the US. He received excellent emergency care from the EMT's, quick ambulance transportation to a rural hospital, CT scans and excellent emergency care ...
by biscuits
Sat Aug 03, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: How can I get a good room when I check into a hotel I booked online?
Replies: 30
Views: 3265

Re: How can I get a good room when I check into a hotel I booked online?

I only use Orbitz, Expedia, Hotels.com, etc. for doing searches, and then I always call the hotel and book directly, or at least book through their main reservation number or their own website. I think you are much more likely to get what you want when you book that way. Those big sites take maybe 3...
by biscuits
Thu Aug 01, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3649

Re: Gifts to Bring when Traveling Overseas

I recently brought a small bottle of high-quality Mexican vanilla to a friend in rural Nova Scotia, Canada and she was thrilled. I bought it at a specialty cooking shop in the Southwest. (My friend likes to bake. Real vanilla is pricey--about $28 for an 8 oz bottle). I love receiving specialty foods...
by biscuits
Sat Jul 27, 2019 7:46 pm
Forum: Personal Investments
Topic: Using IRA money to purchase an investment property
Replies: 11
Views: 1513

Re: Using IRA money to purchase an investment property

My husband did this, using a company called EntrustCama. Www.camaplan.com. The company was fine. My husband bought several investment properties, and I see plusses and minuses. A plus: you can buy a piece of property that you otherwise might not have the cash to buy, and the investment might work ou...
by biscuits
Sat Jul 27, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Way out of financial catastrophe?
Replies: 80
Views: 11660

Re: Way out of financial catastrophe?

OP, I feel for you: this is quite a pickle. But for what it's worth, if you were my kid/family member/close friend, I would want the opportunity to consider lending you some money before you drained your retirement accounts. I know all the arguments against lending to friends and family members, but...
by biscuits
Wed Jul 24, 2019 7:27 pm
Forum: Personal Investments
Topic: Who has the best (easiest) Donor Advised Fund
Replies: 57
Views: 3178

Re: Who has the best (easiest) Donor Advised Fund

I opened a DAF at TIAA (TIAAcharitable.org) last year, and have been very happy with it. $5,000 minimum funding to open it, and $50 minimum grants. Very easy to log in, search for an organization and "recommend grants." I really like being able to send them anonymously if I wish, so as not to get on...
by biscuits
Tue Jul 02, 2019 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance excessive price increase -upset!
Replies: 171
Views: 13404

Re: Long term care insurance excessive price increase -upset!

What a terrible situation. I feel for you. I bought a LTC policy from TIAA (then TIAA-CREF) in 2003, when I was 46, and not long after I bought it, TIAA sold their LTC policies to MetLife. For the past several years, MetLIfe has sought to raise premiums, but my state's insurance regulators do not a...
by biscuits
Tue Jul 02, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Just Bought an Annuity
Replies: 188
Views: 21051

Re: Just Bought an Annuity

This is a helpful discussion. I am heartened to hear the positive comments on TIAA, as I have a TIAA account (all TIAA traditional) currently at about $140,000. I'm 64 and not planning to touch this until RMD time, but starting to think about which would be better for me, RMD's or an annuity. (This ...