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Yes, I believe so, as long as someone in the home didn't intentionally set the fire. If an accidental fire at your home causes damage to a neighbor's home and they or their insurance company comes after you for damages, that's when your personal liability coverage under your homeowner's insurance comes into play; and if that's popped, your umbrella insurance. Both your insurance carrier and the neighbor's insurance carrier will investigate the fire/claim and apportion blame and liability (if any). Of course this may be state specific and/or policy specific. It's best to thoroughly review one's policies and ask your insurance company any questions you may have to be sure. I'm certainly no insurance expert.

One sleepless night, I found Cheers airing on the Hallmark channel of all places (first time I found anything to watch on that channel). I caught it from the beginning of season 1 and started taping episodes to watch at my leisure (on season 3 now). IMO, better than anything else currently on tv.

Fly1346 wrote: ↑Sat Feb 18, 2023 7:59 pm ...should I just pay for the car in cash? Or would you recommend financing

Since you've made up your mind to buy this vehicle and you're looking at 7% to finance, then yes, paying cash is likely the better way to go. You could also pay 1/2 in cash and finance the rest (paying it off shortly afterward) or try to charge the rest to a new credit card (or two) at 0% or whatever low introductory % rates you can find, or a nice cash back card, especially if you can pay it off within a short time period.

MarcNYC wrote: ↑Thu Feb 16, 2023 2:12 pm

turtlebug wrote: ↑Thu Feb 16, 2023 1:42 pm Is the '86 Honda still drive-able? If so, you may wish to consider holding off on new car purchase for a little while. The car market is still crazy.

Also, I don't know your age, but I personally wouldn't withdraw from retirement funds to purchase a car.

My Honda still has life left in it. I’m 65. If I don’t take money from my IRA for the cash purchase of the car, then I don’t have cash.

If you're set on purchasing now, maybe 1/2 from the tIRA and finance the other 1/2 or check for new credit card offers at 0% to finance the other half?

Is the '86 Honda still drive-able? If so, you may wish to consider holding off on new car purchase for a little while. The car market is still crazy.

Also, I don't know your age, but I personally wouldn't withdraw from retirement funds to purchase a car.

If you want to lock in a little longer and you qualify, Navy Federal Credit Union has a 15-month add-on 5.00% CD special ($50 min/250K max).

Following because I"m also interested in feedback for made-in cookware.

~Note, if you have a Chase Freedom card, one of their Chase Offers includes 10% back on made-in purchases for another month. Might be on other Chase cards as well. You must add offer to your card before purchase. YMMV~

USAA and Amica are highly recommended. I would start there for quotes.

You might wish to read review and comments at depositaccounts about Primis before considering same. Note from Ken Tumin "I did two separate Live Chats and got different answers for almost every question I asked... "

https://www.depositaccounts.com/banks/primis/offers/

I keep a low balance, usually no more than $1,500 (just in case an emergency arises). Otherwise, I move money a few days before I pay bills.

8301 wrote: ↑Thu Jan 26, 2023 12:16 pm Costco no longer redeems a reward certificate for cash...

Where do you see that?

My email from Costco states that the certificate "may be redeemed for merchandise or cash back at any U.S. Costco warehouse. Requests to redeem the certificate for cash may be fulfilled in an alternative form (e.g., a check or electronic transfer) at the Costco warehouse’s discretion.."

safari wrote: ↑Tue Jan 24, 2023 2:34 pm I wouldn't be surprised if Fidelity issues corrected 1099s in a few weeks. They've done it before.

Good to know.

If it helps you sleep well at night, it's likely not unreasonable for you.

Happy 99th Birthday, Taylor Larimore! It has been an honor to learn about you and from you through your many posts and writings.

Freeze your credit with all credit reporting agencies and you'll avoid this happening again in your name. Unfortunately, businesses credit cannot be frozen like consumer credit. In that case, you can monitor your business credit report thru Experian.

I would not personally purchase this type of insurance; rather, I would make sure that I am putting enough money aside in savings to cover emergency expenses such as this.

Bought a 2003 Honda Odyssey EX-L brand new at the end of 2002 and we still drive it/love it today. Very dependable, no issues whatsoever. Lots of room, very safe and all the upgrades you want. We'll keep it until it gives up the ghost. Thanks! We currently have a 2000 Odyssey which we love to but wasn't recently rear ended so not sure putting the money into fixing damaged hatch door, etc is worth it. It only has 135k or so miles so it is hard to let go of. But prices on used vans is still crazy expensive for mileage! No tranny issues with your 2003? We luckily haven't had any with ours, even though supposedly it's a problem with these years. No issues whatsoever on our 2003 Odyssey. We have a neighbor with a 2002 Odyssey and he has chippin...

Bought a 2003 Honda Odyssey EX-L brand new at the end of 2002 and we still drive it/love it today. Very dependable, no issues whatsoever. Lots of room, very safe and all the upgrades you want. We'll keep it until it gives up the ghost.

I don't know what average price means, but if I was looking for a gift for 10yo boy or girl, I'd be looking at STEM toys like this:

https://www.amazon.com/ThinkFun-Gravity ... ds-20&th=1

Just my experience - be careful replacing working appliances, for example "old" washer and dryers. In my experience, some old appliances were made to a higher standard than today's crap and last forever. My mother's washer/dryer set lasted 50+ years with no issues. Our current fridge is 20 years old and works perfectly.

When the kids lived at home, we were a family of 4 and spent $600/month on food (included groceries/restaurants). That was years ago. We ate very well - homemade meals 6 days/week with fish or meat at dinner, ate at nice restaurants 1-2x/month, no alcohol, coffee brewed at home, and we grew veggies/fruit in our garden to offset costs (tomatoes, green beans, peppers, eggplant, carrots, squash, onions, watermelon, etc). With today's inflation, I would imagine it would be more than $720-800/month to feed everyone if our kids were still young. We live in a MCOL area, shop at Costco (no waste because we freeze what's not immediately used), Trader Joe's & Walmart (occasionally Publix but only if there's a good sale because they're pricey). I ...

Retired. We live in a MCOL area and we spend approx 28K-45K/yr unless an unusual house expense pops up, like the year we put on a new roof (+17K) or the year we updated the plumbing (+14K) or if we plan additional travel. This year we expect to have approximately 36K in expenses because, although we're keeping close to home, we'll have dental expenses we don't normally have and the youngest kid is getting her doctoral degree this May, so we'll spend more on gifts. House & cars are long paid off. Kids are grown & on their own (budget used to be A LOT higher when they were growing up (approx 60K-85K/yr). No grand-kids yet (fully expect budget to increase at that time...) - Expected 2023 Budget Auto, Homeowners, Umbrella & Life ins...

I have a 2% deductible on my HO coverage and would not file a claim for something less than catastrophic. Since you're already notified your insurance company, I would think that even if you rescinded the claim, depending on the company, it might still appear on your claims history (with a $0 payout).

I keep a fee-free checking account at a brick & mortar bank with a very low balance, just in case I need it. Just being a local customer has allowed me free access to notary services. I don't see the need to keep a savings account there, as it would earn almost nothing.

I would keep comp and collision on both vehicles with 1K deductible and drop rental coverage and roadside assistance. It's not a good idea to have roadside assistance with your insurance company (many insurers treat towing as an at-fault claim and it will get recorded on your C.L.U.E. report). Per Clark Howard, many credit cards offer a roadside assistance option, as well as some mobile carriers (T-Mobile and Verizon) and there's always AAA. Google tells me that insurance companies only start caring if you use your towing coverage more than once or twice per year. Roadside assistance on my car insurance is $6. AAA is $60. Roadside assistance through your auto carrier may be cheaper, but AAA membership coverage is more comprehensive. AAA me...

I would keep comp and collision on both vehicles with 1K deductible and drop rental coverage and roadside assistance. It's not a good idea to have roadside assistance with your insurance company (many insurers treat towing as an at-fault claim and it will get recorded on your C.L.U.E. report). Per Clark Howard, many credit cards offer a roadside assistance option, as well as some mobile carriers (T-Mobile and Verizon) and there's always AAA.

Make sure that she (with your help) immediately reports this accident to her insurance company. I hope she is well-insured.

I shred my receipts once a month with the other paperwork I've put aside to be shredded.

grogu wrote: ↑Sun Jan 15, 2023 2:47 pm When you buy a gift for a spouse a year in advance, does it matter for purposes of starting the 12-month clock when you actually “deliver” it? For example, assume in 2022 you purchase a 2023 gift for your wife. Does the 12-month clock automatically start to run in January 2023, or will it only start to run once it has been delivered? If it doesn’t matter, is there any other advantage/disadvantage to keeping these in your gift box without actually delivering them?

The 12 month clock starts the month you purchase the bond. Personally, I deliver the gifts the 1st of the year to get them out of my gift box.

I've never had an issue and I've used TT for multiple states.

DH likes his Ninja Foodi XL 6-in-1 Indoor Grill with Air Fryer and he uses it quite often. I believe he bought it at Costco when it went on sale (because they have an excellent return policy).

I was also able to move money/close three NFCU CDs expiring 7'24 and 10'24 with no EWPs into the new 15mo CD expiring 4'24 that I had opened the day before.

... and I thought nothing could make me laugh today!

Take a copy of the printed email to the local garage and speak with the owner in person to request your refund on the spot.

imnml wrote: ↑Thu Jan 05, 2023 1:16 pm I can't leave yet as my grandma is still alive. We are very close, she raised me, and I help her. She is 92 and while she is here, so am I...

What is your grandmother's living situation? Does she own and live in her own home? Perhaps there is potential in a (temporary) living situation where you pay rent and utilities, etc., to her which is likely less than you pay now and which helps both of you financially. Additionally, your increased physical presence may be of help and comfort to her.

Ykcor wrote: ↑Wed Jan 04, 2023 2:42 pm Does this happen often

Yes.

Ykcor wrote: ↑Wed Jan 04, 2023 2:42 pm is there any recourse to recoup the money?

Generally not. Retailers do not usually offer refunds on gift cards, regardless if the funds were stolen.

If you locate the receipt, you could take it back to Home Depot and speak with the manager to see if they can tell you when the funds were stolen from the card... Perhaps if the funds were stolen BEFORE the time stamp on your HD receipt, they may work something out with you.

Did the doctor state that there are any medical conditions that effect your father's ability to drive? If not, has he exhibited any driving behaviors that concern you?

anon_investor wrote: ↑Mon Jan 02, 2023 3:27 pm

turtlebug wrote: ↑Mon Jan 02, 2023 12:51 pm I receive my new PIN automatically every year. No need to request for each year.

Was this via mail?

Yes.

Perhaps your local senior center would like them to give out for free to members?

I receive my new PIN automatically every year. No need to request for each year.

You can deliver the full amount.

twh wrote: ↑Sun Jan 01, 2023 12:53 pm They didn't steal the car.
No one should try to get out of it.
The son gave permission to someone else to drive the car and that was a bad idea.
This is what insurance is for.
It's just too bad they didn't take photos...they have phones and there are photos of everything else on them
If the person they hit mischaracterizes the accident, then you'll have to have them give statements to rebut.

My point earlier was that if the son is a named excluded driver and/or not a co-owner of the vehicle, he cannot give permission for his friend to drive the car.

carminered2019 wrote: ↑Sun Jan 01, 2023 12:44 pm

turtlebug wrote: ↑Sun Jan 01, 2023 12:38 pm

carminered2019 wrote: ↑Sun Jan 01, 2023 12:37 pm I gifted 10K to my wife this this morning so do I have to designate a beneficiary to the gifted new 10K ?

No, you don't have to. She can designate a beneficiary when she receives the gift.

and you designate a beneficiary for each I-bond correct and not each account ?

Yes, each I Bond.

carminered2019 wrote: ↑Sun Jan 01, 2023 12:37 pm I gifted 10K to my wife this this morning so do I have to designate a beneficiary to the gifted new 10K ?

No, you don't have to. She can designate a beneficiary when she receives the gift.

Is your unlicensed son a named excluded driver on your policy? If so, I would think that he could not give permission for his friend to drive your car and YOU did not give his friend permission to drive your car... IANAL and it's just my opinion, but I would think that depending in which state you live, its laws and your auto insurance policy language, you may have a problem (not to mention your son's friend). I would definitely contact his parents to put them on alert, if nothing else and speak with your local agent, if you have one.

4,664

-20%

70/30

Here's to a better New Year!

broncocountry25 wrote: ↑Tue Dec 06, 2022 12:04 pm
My question --> how do you handle cars in your household? How often to replace/how many do you have? How has your car ownership changed over the years?

We keep vehicles forever or until they no longer make economical sense to own. Right now, we drive a 16yo Tundra and a 20yo Odyssey. Both have very (very!) low miles and have had absolutely no issues or problems. We'll keep driving them until they die.

State Bank of Texas now has a 12-month CD Special at 5.00% APY with a $25k minimum deposit, no stated balance cap. Available nationwide.

https://statebnk.com/personal-banking/c ... f-deposit/

atlanta_dad wrote: ↑Thu Nov 24, 2022 12:35 pm Curious to know what everyone is paying monthly for TV + Internet service...

I live in the southeast.

AT&T U-verse U300 is $111/month w/current promotions
AT&T U-verse surcharges, taxes & fees is $17.18/month
AT&T Internet 50 is $0/month w/current promotion
Paramount+ Essential is $0 w/current promotion from T-Mobile

Total $128.18/month