Search found 73 matches

by Rdytoretire
Sat Jan 18, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Amazon free returns, any experiences?
Replies: 42
Views: 1857

Re: Amazon free returns, any experiences?

DW's returns to Amazon >> My purchases from Amazon And I usually make a few purchases a month. Just a comment about online returns in general. I return more of my online purchases than I keep. When I are shopping online it is often difficult to determine the quality, texture, fit or even color of a...
by Rdytoretire
Sat Jan 18, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Amazon free returns, any experiences?
Replies: 42
Views: 1857

Re: Amazon free returns, any experiences?

When an item is sold and shipped by Amazon or fulfilled by Amazon, returns and refunds are usually free, quick and easy. Amazon is terrific about that. If you order an item on Amazon that is sold and fulfilled by a third party my experience has been that is often not free, quick or easy. For that re...
by Rdytoretire
Sun Jan 12, 2020 11:02 pm
Forum: Personal Consumer Issues
Topic: Switching from AT&T to Mint Mobile, any drawbacks?
Replies: 30
Views: 2106

Re: Switching from AT&T to Mint Mobile, any drawbacks?

Been with Mint Mobile 6 months. Very happy with the service. If you use your phone regularly and go through 500MB or more of data per month. Mint Mobile seems like the best deal around. For light users Red Pocket probably has the lowest rates. I like Mint Mobiles one year plans. Pay once and forget ...
by Rdytoretire
Sat Jan 11, 2020 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: When a bargain car loan is no "bargain"
Replies: 49
Views: 3353

Re: When a bargain car loan is no "bargain"

I guess that is a lot to ask of other drivers. There are so many more important things that occupy peoples time and attention. The fact that a vehicle is the most likely place that a person can be killed or injured does not appear to matter.
by Rdytoretire
Sat Jan 11, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: When a bargain car loan is no "bargain"
Replies: 49
Views: 3353

Re: When a bargain car loan is no "bargain"

I spent $20k on a nice modern Volvo SUV coming off lease with plenty of safety features (eyesight had already saved me from a fender bender or two by automatically applying the brakes when I was looking the other way ready to go through a stop sign and the person in front of my stopped short), and ...
by Rdytoretire
Thu Jan 09, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?
Replies: 75
Views: 5579

Re: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?

You might consider just getting the sewer rodded out. Which should not cost very much. The roots will grow back but it may take months /years. It should buy you some time if you are not sure how to proceed. Plenty of homes have clean outs just for this purpose. I had a home where the city had plante...
by Rdytoretire
Mon Dec 16, 2019 1:30 pm
Forum: Personal Investments
Topic: Roth conversions and estimated tax payments
Replies: 35
Views: 1846

Re: Roth conversions and estimated tax payments

Thanks all, no RMD's. The Roth conversion, interest, capital gains and dividends will make up all my income next year. I need to stay below the cliff so I can get ACA subsidies.
by Rdytoretire
Mon Dec 16, 2019 12:25 pm
Forum: Personal Investments
Topic: Roth conversions and estimated tax payments
Replies: 35
Views: 1846

Re: Roth conversions and estimated tax payments

I have a question on the same topic. I retired 5 months ago. I plan to do a Roth conversion of about $35K in 2020. Will I need to make an estimated tax payment at the time that I do the conversion? Can I make the tax payment without penalty any time during the year? Is there any advantage to do the...
by Rdytoretire
Mon Dec 16, 2019 11:47 am
Forum: Personal Investments
Topic: Roth conversions and estimated tax payments
Replies: 35
Views: 1846

Re: Roth conversions and estimated tax payments

I have a question on the same topic. I retired 5 months ago. I plan to do a Roth conversion of about $35K in 2020. Will I need to make an estimated tax payment at the time that I do the conversion? Can I make the tax payment without penalty any time during the year? Is there any advantage to do the ...
by Rdytoretire
Mon Dec 09, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Preventative car maintenance (oil changes) costs
Replies: 55
Views: 3705

Re: Preventative car maintenance (oil changes) costs

Oil changes are so crucial and inexpensive. Just take it to the dealer and let them do it. The problem with using a dealer is that usually they try to up sell you to additional service you likely don't need. Things like "fuel injectior cleaning" that is not a required service under warranty. +1 Unl...
by Rdytoretire
Mon Dec 09, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2315

Re: New passport how long to obtain?

i believe you can do the expedited even if you have a pending application, so i would do the application [your expired passport still serves as proof of some things] and take stock when you have your dates firmed up and it's been three weeks. That sounds like the way to go in my situation. Thank yo...
by Rdytoretire
Mon Dec 09, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Recommend Laptop
Replies: 79
Views: 5277

Re: Recommend Laptop

Bought one of these on Black Friday. Am very pleased. It is factory reconditioned by HP. Looked totally new, not a scratch. Can be used as a tablet or laptop. Would buy again. Within the OP's price range. Only issue can be glare from the screen. I believe that can be an issue with any touchscreen. "...
by Rdytoretire
Sat Dec 07, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2315

Re: New passport how long to obtain?

Destination would be Spain. Perhaps delaying the trip until March at the earliest may not be a bad idea.
by Rdytoretire
Sat Dec 07, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2315

Re: New passport how long to obtain?

Thank you all for posting your experiences. It gives me a better idea of what to expect. I was intending to get a passport for some trips planned for later next year, so I was in no hurry. But an opportunity came up for a trip in the near future. I'll have to decide how important it is to me to take...
by Rdytoretire
Sat Dec 07, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2315

Re: New passport how long to obtain?

MathWizard wrote:
Sat Dec 07, 2019 10:17 am

Fed Govt. shutdowns do happen now, and there is another deadline coming
later this month.
Thank you. I am aware of that.
by Rdytoretire
Sat Dec 07, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2315

Re: New passport how long to obtain?

The way I see it, time is wasting while you post and then read the answers. How many days will that take? You are either going or you are not and you either need it or you don’t. Actually I have already gotten some good information. I can't do much of anything until Monday. That is when I plan to a...
by Rdytoretire
Sat Dec 07, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2315

Re: New passport how long to obtain?

Renewed long expired passport very recently at the post office and was told 6-8 weeks. Received it in exactly two. Thanks to all for the replies. Sunflower, did you renew or did you have to obtain a new passport? My understanding is that if the passport was issued more then 15 years ago it can not ...
by Rdytoretire
Sat Dec 07, 2019 1:09 am
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2315

New passport how long to obtain?

I am planning to apply for a new passport. My old one expired about 20 years ago so I don't think I can renew it. I may need the passport in 4 to 8 weeks. Travel plans are still up in the air. I'm not sure if I should go through the normal process or pay the $60 expedited fee. Can anyone who has app...
by Rdytoretire
Fri Dec 06, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: missing FedEx package
Replies: 54
Views: 2874

Re: missing FedEx package

goingup wrote:
Fri Dec 06, 2019 7:02 pm
Our packages usually come UPS or USPS.

The last time FedX said they had delivered they hadn't. Package got delivered the next day.

Sit tight. Your original package will come.
+1 This has been my experience. I would not get too concerned for another 24-48 hours.
by Rdytoretire
Tue Dec 03, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: Who makes good leather and down jacket
Replies: 36
Views: 2571

Re: Who makes good leather and down jacket

I purchased an Eddie Bauer Glacier Peak jacket and am very happy with the fit and quality for the price. I think this jacket will get me through most winter conditions. If it gets below zero a sweater or other layer will probably be required but I'm fine with that. https://www.eddiebauer.com/p/10112...
by Rdytoretire
Mon Dec 02, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6449

Re: Airline overhead bins...do you think they're assigned?

lack of consideration and kindness is the cause of conflict. think yourself in other's situation will get the answer straight. I was considerate when I bit my tongue as she bad mouthed me within earshot of my two kids. And that was after I moved one suitcase when, according to everyone that respond...
by Rdytoretire
Wed Nov 27, 2019 6:10 pm
Forum: Personal Consumer Issues
Topic: Honda Lane keep assist
Replies: 94
Views: 5944

Re: Honda Lane keep assist

+1 :D

Most of the people that I see who can't stay in their lane are either playing with their phones or drunk. If they could avoid those two situations they should be fine.
by Rdytoretire
Wed Nov 27, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Honda Lane keep assist
Replies: 94
Views: 5944

Re: Honda Lane keep assist

Many vehicles have unusual problems/symptoms if the battery voltage is not up to specs. The dealership should know that. Maybe their protocols need updating.
by Rdytoretire
Wed Nov 27, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Honda Lane keep assist
Replies: 94
Views: 5944

Re: Honda Lane keep assist

Sounds like your warranty helped to protect you from incompetent mechanics. See next post up. I agree. But the incompetence is systematic. The dealers are trained and pretty much required to follow the protocol. I got no better resolution from my generally very competent local mechanic and Subaru A...
by Rdytoretire
Wed Nov 27, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Honda Lane keep assist
Replies: 94
Views: 5944

Re: Honda Lane keep assist

So after all that the problem was the battery? I have had many electronic devices over the years. As time has passed not only have most devices become more sophisticated they have also become more reliable.
by Rdytoretire
Wed Nov 27, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Honda Lane keep assist
Replies: 94
Views: 5944

Re: Honda Lane keep assist

Sounds like your warranty helped to protect you from incompetent mechanics.
by Rdytoretire
Wed Nov 27, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Honda Lane keep assist
Replies: 94
Views: 5944

Re: Honda Lane keep assist

[/quote] If our recent experience buying a Hyundai Santa Fe is any indication, the possibility of electronics failure is the latest bogeyman for the financing and sales closing guy to use to scare buyers into purchasing new vehicle extended warranties. Our experience was that the initial pitch for t...
by Rdytoretire
Wed Nov 27, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Honda Lane keep assist
Replies: 94
Views: 5944

Re: Honda Lane keep assist

With all these features those drivers who don't pay attention to their driving will be able to justify paying even less attention. :D
by Rdytoretire
Wed Nov 27, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Honda Lane keep assist
Replies: 94
Views: 5944

Re: Honda Lane keep assist

I find it incredibly useful for solving dilemmas during highway driving that require both hands to be free, such as removing your coat or retrieving something from the back seat. In the city it’s a nuisance. Maybe one should not be removing a coat or reaching for things in the backseat while cruisi...
by Rdytoretire
Sun Nov 24, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Smaller Rear Windows on Camry and Accord, Alternatives?
Replies: 41
Views: 2265

Re: Smaller Rear Windows on Camry and Accord, Alternatives?

And I'd rather have drivers around me driving cars with all this technology than cars that don't have the technology. One should be able to drive in a manner that no warning beeps nor warning braking ever happens. That is, the warnings should be annoying enough that you drive in a way that avoids t...
by Rdytoretire
Sun Nov 24, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Smaller Rear Windows on Camry and Accord, Alternatives?
Replies: 41
Views: 2265

Re: Smaller Rear Windows on Camry and Accord, Alternatives?

I assume you are looking at a Subaru Outback? They have great reliability. Just remember to check oil level at every other gas refill per manufacturer's recommendation :oops: I would never buy a vehicle that even warns me I need to check my oil level that often. I have had many vehicles over the ye...
by Rdytoretire
Sun Nov 24, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Smaller Rear Windows on Camry and Accord, Alternatives?
Replies: 41
Views: 2265

Re: Smaller Rear Windows on Camry and Accord, Alternatives?

So I use my mirrors and turn my head to actually look behind me. If you only use your rear view camera to back up you are probably not seeing moving cars, bicycles and pedestrians that may enter you path. Technology is better than that. My car beeps and brakes for things I cannot see when I turn my...
by Rdytoretire
Sun Nov 24, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Smaller Rear Windows on Camry and Accord, Alternatives?
Replies: 41
Views: 2265

Re: Smaller Rear Windows on Camry and Accord, Alternatives?

I think a lot of this depends on what you are accustomed to. My 1998 vehicle had large windows and great visibility. When I traded it in for the same model in 2014 I immediately noticed how the view out the back window had shrunk quite a bit . After driving the car for a while I got used to it and b...
by Rdytoretire
Tue Nov 19, 2019 11:30 pm
Forum: Personal Consumer Issues
Topic: TV purchase -- 55" or 65" vs viewing distance
Replies: 51
Views: 4637

Re: TV purchase -- 55" or 65" vs viewing distance

Also I think that having a larger TV such as 65" mounted on a wall as opposed to having it on a stand makes the TV look less clumsy. Just don't put it over your fireplace if that is possible.
by Rdytoretire
Tue Nov 19, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: TV purchase -- 55" or 65" vs viewing distance
Replies: 51
Views: 4637

Re: TV purchase -- 55" or 65" vs viewing distance

We bought a 50" a couple of years ago. DW says it's fine but I think we should have gone larger (am about 9' from set). One thing, too big might be kind of clumsy looking in a nice room. Could be clumsy looking but well worth it. :happy Watching movies or sports is wonderful with a larger TV. When ...
by Rdytoretire
Tue Nov 19, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: TV purchase -- 55" or 65" vs viewing distance
Replies: 51
Views: 4637

Re: TV purchase -- 55" or 65" vs viewing distance

I was in a similar situation a couple of years ago. I had a 43" TV and was concerned that a 65" TV might be too large. My viewing room is 12 ft x 15 ft. I often sit about 10 feet away from the TV. I even made a cardboard cutout to get an idea of the size of a 65" TV in the room. It seemed huge. I en...
by Rdytoretire
Sat Nov 09, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6937

Re: Was I ripped off at the car dealership?

Don't mean to hijack this thread but just want to share a auto repair experience I had a couple years ago. As an example. I was getting a growling noise from the rear of my 2014 vehicle. Took it to a national repair chain and was told one rear wheel bearing/hub was bad and the other one was also goi...
by Rdytoretire
Sat Nov 09, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6937

Re: Was I ripped off at the car dealership?

Do you have oil drips on your garage floor or where you regularly park? $400. Not life ending. No reason to have so much angst. Life is too short. Exactly right!!!!! The repair may have been legit and even taking it somewhere else may not have saved much. Best to move on. More than likely most peop...
by Rdytoretire
Fri Nov 08, 2019 11:47 pm
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6937

Re: Was I ripped off at the car dealership?

RickBoglehead wrote:
Fri Nov 08, 2019 11:33 pm
Backseat forum auto repair experts, coupled with not being there, yields....
We may not know the details of the OP's situation, it may have all been very legit. It's just that being "taken" in this type of situation is all too common.
by Rdytoretire
Fri Nov 08, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6937

Re: Was I ripped off at the car dealership?

There are "service" trades that are looking to make a quick buck, they have to meet their overhead or they are out of business. They aren't discriminating, if they can take you for extra money, they will. It's caveat emptor or buyer beware, I've seen this time and time again, the last time this hap...
by Rdytoretire
Fri Nov 08, 2019 11:26 pm
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6937

Re: Was I ripped off at the car dealership?

Sounds like business as usual at most car dealerships. Unless the repair is under warranty or the repair can only be done by the dealer I would never get repairs done at a dealer. And even under those circumstances I would still avoid taking my car to most dealerships. They provide free/cheap oil ch...
by Rdytoretire
Wed Nov 06, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: When to buy Car extended warranty ?
Replies: 56
Views: 3326

Re: When to buy Car extended warranty ?

I would not buy it. Most dealers are terrible about fixing any vehicle under warranty even under the original new car warranty. The dealer will tell you he cannot find anything wrong with the vehicle when you bring it in for service under warranty. But if the vehicle is out of warranty he will find ...
by Rdytoretire
Mon Oct 28, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bronze vs Bronze HSA
Replies: 18
Views: 1493

Re: Bronze vs Bronze HSA

If I understand correctly a contribution of after tax money to the HSA lowers your MAGI by the contribution amount?
by Rdytoretire
Mon Oct 21, 2019 1:35 pm
Forum: Personal Investments
Topic: Retiring and Getting Over The Fear of Quitting?
Replies: 84
Views: 10108

Re: Retiring and Getting Over The Fear of Quitting?

https://images-na.ssl-images-amazon.com/images/I/51WBUGNTmvL._SY371_BO1,204,203,200_.jpg Howdy For all of the overachievers, God bless you and keep working or whatever fulfills you. For all of those who have retired to a new mission and new challenges, God bless you also. Calvin and I are on our en...
by Rdytoretire
Fri Oct 18, 2019 12:47 pm
Forum: Personal Investments
Topic: Retiring and Getting Over The Fear of Quitting?
Replies: 84
Views: 10108

Re: Retiring and Getting Over The Fear of Quitting?

I determined my expected retirement budget and found that I was much more likely to run out of life before I ran out of money. The decision to quit was pretty simple. I was not particularly enjoying my work that also made it easier. https://engaging-data.com/will-money-last-retire-early/ I retired 3...
by Rdytoretire
Sun Oct 06, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Replacing Furnace Pressure Switch
Replies: 7
Views: 798

Re: Replacing Furnace Pressure Switch

So 3-4 pressure switches, including the original, have gone bad? That seems unlikely. Check for a clogged hose port or cracked hose running from the draft inducer motor or condensate collector box to the pressure switch. These problems can cause the switch to trip or fail. I don't believe these swit...
by Rdytoretire
Wed Sep 11, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10204

Re: How old is your cellphone?

T-Mobile flip phone over 15 years old. The sim card in that phone came from a mid-90s Nokia. Ding... Ding... Ding! I think we have a winner. :D I have a 5 year old Moto X first edition. The phone still works great and I will keep it until the battery needs to be replaced. I like that the phone is s...
by Rdytoretire
Sat Aug 24, 2019 11:08 am
Forum: Personal Investments
Topic: Responding to a CP2000 Notice
Replies: 67
Views: 6661

Re: Responding to a CP2000 Notice

I have been dealing with a CP2000 issue similar to yours. Getting it resolved was fairly simple but it did take time. Only issue is now I have to amend my state tax return. This requires a copy of a federal finalization form. The IRS makes no mention of and has not provided this form. I called the I...
by Rdytoretire
Thu Jul 25, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: Be aware of Verizon!
Replies: 34
Views: 4593

Re: Be aware of Verizon!

Jack FFR1846 wrote:
Thu Jul 25, 2019 12:59 pm
Nodding yes to everything but BBB. Verizon will call BBB and say "it's all resolved" and they'll mark it that way and their claim number will revert to zero. BBB is nothing but a sham.
+1