Search found 1015 matches

by mbres60
Sun Aug 09, 2020 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Any IRMAA experts? [Income Related Monthly Adjustment Amount - Medicare]
Replies: 23
Views: 1779

Re: Any IRMAA experts?

I am thoroughly familiar with the IRMAA-related issues and I can’t understand why your appeal was rejected. I recommend that you pursue it further as I think you are entitled to reconsideration. Report back to the forum on the outcome, please. Good luck! Why would he/she get the waiver for two year...
by mbres60
Sun Aug 09, 2020 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Any IRMAA experts? [Income Related Monthly Adjustment Amount - Medicare]
Replies: 23
Views: 1779

Re: Any IRMAA experts?

I am no expert on this. The rules for IRMAA are based on your tax return from two years ago. In 2019 it was based on your 2017 tax return. You were still working then so presumably your MAGI was higher. You weren't eligible for a reduction for 2019. 2020 is based on 2018. If I understand correctly y...
by mbres60
Tue Aug 04, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Federal Reduces Certificate Rates
Replies: 2
Views: 725

Re: Navy Federal Reduces Certificate Rates

Too bad. We have two CDs coming due in September. Looks like we'll renew at short term rates. Don't want to lock in low rates for long.
by mbres60
Tue Jul 28, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3283

Re: Repair Refrigerator?

As much as we hated to do it, we ordered an LG :shock: :shock: It was the only brand that fit our specifications (size, did not want water dispenser in the door and we also could get it within a week) So ridiculous that we spend a lot of money :moneybag but can only expect it to survive no more than...
by mbres60
Sat Jul 25, 2020 3:58 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Thermometer
Replies: 22
Views: 1251

Re: Refrigerator Thermometer

We set the refrigerator for 37 and the freezer for 0. We cannot do even that. The setting for the freezer is "1", "2", "3", "4", or "5". The settings for the fridge section are the same. There is no chart to tell what temperatures these numbers represent. The instructions just say to choose a lower...
by mbres60
Sat Jul 25, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Thermometer
Replies: 22
Views: 1251

Re: Refrigerator Thermometer

We recently had to replace our refrigerator and the new one does not indicate the temperatures in the freezer nor refrigerator sections. We have an old Taylor brand dial model thermometer. However, it is so old we do not trust it. So, we looked at Amazon (we are staying home these days) and found a...
by mbres60
Sat Jul 18, 2020 4:33 pm
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3283

Re: Repair Refrigerator?

We just ordered a new refrigerator, and the staff told us that they really don't know how long it will take to get it. Their system is saying about two weeks, but they said that it could be two months. Bummer. Is your refrigerator not working? If not, do you have a small one to use? We considered b...
by mbres60
Fri Jul 17, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3283

Re: Repair Refrigerator?

I did call an independent store. They cost more for the model I wanted and delivery at best would be in 3-4 weeks. We went to Home Depot today and asked if they price matched because Best Buy and Lowes cost less. Yes, they price matched so we bought there because delivery from them would be sooner. ...
by mbres60
Thu Jul 16, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3283

Re: Repair Refrigerator?

I had an LG 5 years old and crapped out. Fridge not keeping cool. Turn out to be bad compressor. LG extended parts and warranty from 2 to 5 year because of the lawsuit. I was luckily enough to be covered by the warranty and had their authorized repair shop come and fix. My suggestion would be keep ...
by mbres60
Thu Jul 16, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3283

Re: Repair Refrigerator?

Sorry that is happening to you. Check out Costco for a new frig they have great prices and may be able to deliver more quickly. We bought new frig, washing machine, and gas cooktop online from Costco web site late last year and their delivery service into our home was excellent. Yes, they are great...
by mbres60
Thu Jul 16, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3283

Re: Repair Refrigerator?

UPDATE - Repair guy came. He took off a panel in the back and looked around. Said a sealed unit with condenser and something else that refrigerant is in needs to be replaced. Said to buy a new refrigerator because cost to repair would be between $900-1200! Yikes. Our fridge is a Kenmore. It is made ...
by mbres60
Thu Jul 16, 2020 7:49 am
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3283

Re: Repair Refrigerator?

Not sure that something only seven years old would qualify, but we had a compressor repair maybe 12 years ago. The repair man strongly recommended a repair over a new purchase but not due to the cost difference. He said there are many fridges that are 20 years old or more chugging along and that th...
by mbres60
Thu Jul 16, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3283

Re: Repair Refrigerator?

It’s a common problem with LG with compressors blowing out early. My brother recently had to replace a bad compressor after only 2 years. :( How much did a new compressor cost? Fortunately for him it was still under warranty. But he was told by the repairman it would have cost him $500 including pa...
by mbres60
Thu Jul 16, 2020 7:24 am
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3283

Re: Repair Refrigerator?

Thanks. The repair guy told me that my Kenmore was made by LG and there was a big recall because compressor went bad. He asked if the refrigerator sounded like it turned on and later off but was not cooling. Apparently that would mean a bad compressor. I told him no. After I hung up I googled and f...
by mbres60
Wed Jul 15, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3283

Re: Repair Refrigerator?

Thanks. The repair guy told me that my Kenmore was made by LG and there was a big recall because compressor went bad. He asked if the refrigerator sounded like it turned on and later off but was not cooling. Apparently that would mean a bad compressor. I told him no. After I hung up I googled and f...
by mbres60
Wed Jul 15, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3283

Re: Repair Refrigerator?

Thanks. The repair guy told me that my Kenmore was made by LG and there was a big recall because compressor went bad. He asked if the refrigerator sounded like it turned on and later off but was not cooling. Apparently that would mean a bad compressor. I told him no. After I hung up I googled and fo...
by mbres60
Wed Jul 15, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3283

Repair Refrigerator?

Our refrigerator is 7 years old. Yesterday we discovered it was not keeping things cold . We took our freezer stuff to someone else's house. This morning we realized the refrigerator section was also not cold so threw out stuff. Repair guy is coming tomorrow. I have no clue how much the repair will ...
by mbres60
Sat Jul 11, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Out $10k - any recourse? (American Airlines)
Replies: 26
Views: 2907

Re: Out $10k - any recourse? (American Airlines)

Try Christopher Elliott. elliott.org He has who to contact on his website. I believe there is also a form you can fill out for his team to assist you with your issue. Good luck. Ah funny. I didn't see the form. Buy yeah, that site is where I got the email addresses for the customer representative m...
by mbres60
Sat Jul 11, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Out $10k - any recourse? (American Airlines)
Replies: 26
Views: 2907

Re: Out $10k - any recourse? (American Airlines)

Try Christopher Elliott. elliott.org He has who to contact on his website. I believe there is also a form you can fill out for his team to assist you with your issue. Good luck.
by mbres60
Thu Jul 09, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: Help with Internet and TV issue
Replies: 5
Views: 454

Re: Help with Internet and TV issue

[/quote] You are partially right. You don't need internet for your TV remote ton control the TV. But your DVR box may need internet. If you can't control your DVR box when internet is down, then it suggests your DVR box requires internet connection. What kind of 4k DVR box do you have? [/quote] I do...
by mbres60
Thu Jul 09, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Help with Internet and TV issue
Replies: 5
Views: 454

Re: Help with Internet and TV issue

Called Comcast. Only 1 minute wait. Someone will come here between 3-5 today. Rep said it sounds like signal leaking from the outside box (we have underground utilities). Hope it’s that simple.
by mbres60
Thu Jul 09, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: Help with Internet and TV issue
Replies: 5
Views: 454

Help with Internet and TV issue

Can anyone explain why when my internet goes down (which seems to last several minutes at a time) my tv remote doesn't work? What I have - a Samsung tv that is hooked up to Comcast cable. I have a 4k DVR box. I also have Comcast for internet and phone service. I have my own modem for my internet and...
by mbres60
Wed Jun 10, 2020 7:23 am
Forum: Personal Finance (Not Investing)
Topic: So Are Home Renovations Worth It (Financially) Or Not?
Replies: 105
Views: 7553

Re: So Are Home Renovations Worth It (Financially) Or Not?

If I'm not mistaken, it's normally said that home renovations don't increase the value of a home at more than the amount of money put into it. Maybe there are some rare exceptions? But you watch HGTV and every house renovated on every episode of every show, shows the appraised value at higher than ...
by mbres60
Fri May 22, 2020 6:41 pm
Forum: Personal Consumer Issues
Topic: Replacement Window in Atlanta
Replies: 11
Views: 725

Re: Replacement Window in Atlanta

About six years ago we bought replacement windows. The different companies all had different prices. One company was really high just like yours. The brands were all different but there was a big range in price. Google replacement window forums and you can ask your question there about the differenc...
by mbres60
Sat May 16, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6614

Re: How to get disinfecting wipes..seriously

At our local grocery store, the aisle that has the Clorox wipes has been empty for over 2 months. However, in the section where travel sized items are sold, they sometimes have 20 packs of Wet Ones anti-bacterial wipes. I bought 2 packs there this week. Covid is a virus, not bacterial so anti-bacte...
by mbres60
Sat Apr 18, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4390

Re: How to get Liquid Hand Soap? seriously.

Bath and Bodyworks online has them.
by mbres60
Sat Feb 22, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Options FEHB Vs Original Medicare Vs Medicare Advantage
Replies: 37
Views: 2085

Re: Medicare Options FEHB Vs Original Medicare Vs Medicare Advantage

Aetna Direct is not offered everywhere. I think that might be why it is listed as an HMO. My health card says I'm in a PPO not HMO. I can go to ANY doctor who accepts medicare assignment and then Aetna Direct will pay what medicare does not. The doctor does not need to be in Aetna's network because ...
by mbres60
Fri Feb 21, 2020 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Options FEHB Vs Original Medicare Vs Medicare Advantage
Replies: 37
Views: 2085

Re: Medicare Options FEHB Vs Original Medicare Vs Medicare Advantage

Keep in mind that with your option 2 - original medicare + supplement G. You also have to purchase a drug plan (Medicare D). If you do not like the company you go with for the supplement (price rise too much or whatever reason) then to change insurers your dad would have to go under medical underwri...
by mbres60
Thu Feb 20, 2020 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Options FEHB Vs Original Medicare Vs Medicare Advantage
Replies: 37
Views: 2085

Re: Medicare Options FEHB Vs Original Medicare Vs Medicare Advantage

My dh is a retired fed. FEHB is great. I would not drop it. Once dropped you can not get back on. Your dad's monthly premium will cost the same when he is retired as when he worked. You have lots of choices for medical. You can even suspend FEHB for an advantage plan if you want.(I would check caref...
by mbres60
Fri Feb 07, 2020 3:52 pm
Forum: Personal Investments
Topic: Maryland 529
Replies: 2
Views: 247

Re: Maryland 529

Thank you for that link.

If anyone has any real world experiences I would appreciate hearing about it.
by mbres60
Fri Feb 07, 2020 11:58 am
Forum: Personal Investments
Topic: Maryland 529
Replies: 2
Views: 247

Maryland 529

I know I previously read on here (can't find it now) that some people who live in MD open a 529, take the tax benefit, and then transfer to another 529 in a state that has lower expense ratios. We are thinking of doing this for our grandkids and want to know logistics. 1. How long do you have to kee...
by mbres60
Wed Jan 29, 2020 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Selling house without realtor - cash offer
Replies: 30
Views: 3456

Re: Selling house without realtor - cash offer

You owe the agent nothing. All she did was give you her opinion of a listing price. I have always read that you should get comparative pricing from three different agents and pick the agent you feel would be the best fit for you to sell your house. You would not owe anything to the agents you didn't...
by mbres60
Fri Jan 24, 2020 5:46 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4296

Re: Happy Birthday Taylor! 96 years young!

Happy happy birthday!
by mbres60
Tue Jan 21, 2020 2:05 pm
Forum: Personal Investments
Topic: Why are vanguard TDF so aggressive?
Replies: 54
Views: 4428

Re: Why are vanguard TDF so aggressive?

I too am finding Target date funds too aggressive. I have been looking at two things... !. my child's 401k as I have been asked to advise. They are not into finance and work more than 40 hrs/week and also have a family. Doesn't seem to be too interested in keeping up. TD seems perfect but I feel it ...
by mbres60
Thu Jan 16, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is 529 Ownership Change Taxable?
Replies: 3
Views: 415

Re: Is 529 Ownership Change Taxable?

Thanks. I called NY 529 and the rep said he was with Vanguard. According to him, if I change ownership it is not taxable for federal income taxes. As for state he does not know. I am not in NY. If anyone has any experience changing ownership it would be interesting to know if you encountered any iss...
by mbres60
Thu Jan 16, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is 529 Ownership Change Taxable?
Replies: 3
Views: 415

Is 529 Ownership Change Taxable?

I want to set up some 529s with me as owner and my grandchildren as beneficiary. I will probably use New York's 529. They do allow ownership changes. If at some point I want to change the ownership to my children ( parents of my grandchildren) . Is this considered taxable? I have tried searching but...
by mbres60
Sun Jan 12, 2020 9:29 am
Forum: Personal Investments
Topic: 529 AA survey
Replies: 26
Views: 1392

Re: 529 AA survey

I'm looking to set up 529s for my grandkids. I see New York is highly rated and with Vanguard funds. It seems their age based portfolios are heavy with International. More than I would want. Unfortunately I don't want to set up my own portfolio and have to remember to change it every year. So right ...
by mbres60
Fri Jan 10, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Customer service representative request for last name
Replies: 23
Views: 1797

Re: Customer service representative request for last name

I used to work for a national company in their customer service. We had to give our real names, first and last, although ultimately it changed to just first name. I feel that giving out our full name is what caused me some identity theft. For a while we used to get calls from a particular area of th...
by mbres60
Fri Jan 03, 2020 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: When to Collect SS
Replies: 55
Views: 3181

Re: When to Collect SS

I tried using the advanced option and put in an estimated date of death. That told me to collect at 70 and I would be ahead by about $787. Total? Per year? It was total. Thanks everyone for the helpful information. Once we do our taxes this year we will see how close we come to the IRMAA. I'll prob...
by mbres60
Fri Jan 03, 2020 9:40 am
Forum: Personal Finance (Not Investing)
Topic: When to Collect SS
Replies: 55
Views: 3181

Re: When to Collect SS

Thanks. I already have an account but it doesn't tell me my PIA. Probably because I am currently collecting a tiny amount under my dh record. I'm letting mine grow. I have some notes that I have previously jotted down about how much I would collect depending when I applied. COLAs may have affected i...
by mbres60
Fri Jan 03, 2020 9:01 am
Forum: Personal Finance (Not Investing)
Topic: When to Collect SS
Replies: 55
Views: 3181

When to Collect SS

I have always heard on here that if one can it is best to wait til age 70 to collect SS. I just used opensocialsecurity.com and it says best time is 69 and 6 months. I'm trying to figure out why then as opposed to 6 months later at 70. Anyone know how they figure things out? In case it matters I ent...
by mbres60
Sun Dec 29, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Preparing a teen for life on their own
Replies: 48
Views: 3250

Re: Preparing a teen for life on their own

You are talking about your wife’s sister? First off, forget about your idea of tossing her out on her own at age 18. That is not happening. This girl is going to be in your life permanently in some form. Perhaps the allowance stops when she turns 18 and graduates from HS. But she isn’t going to be ...
by mbres60
Thu Dec 12, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Computer issue Help!
Replies: 4
Views: 578

Re: Computer issue Help!

Thanks all. I just deleted it. Appreciate the help.
by mbres60
Thu Dec 12, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Computer issue Help!
Replies: 4
Views: 578

Computer issue Help!

I have a Mac running High Sierra. I spent some time updating Safari update. Then went back on computer. I noticed the trash can on the doc had something in it (always empty the trash right away after deleting something). I pulled it up and it said Recovered Files. Below that it said (A document bein...
by mbres60
Thu Dec 05, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: 50 Next Year - Should I Join AARP?
Replies: 105
Views: 8622

Re: 50 Next Year - Should I Join AARP?

We have been members for about 20 years. I like the magazines so I think of it as a subscription. If dh wasn't a retired fed with FEHB we would probably have a Medigap plan through AARP.
by mbres60
Sun Dec 01, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Feds: FEHB + Medicare Part B [Aetna Direct vs. BCBS Basic]
Replies: 24
Views: 993

Re: Feds: FEHB + Medicare Part B?

We have Aetna Direct and it works great.
by mbres60
Fri Nov 22, 2019 9:35 am
Forum: Personal Investments
Topic: Which 529 Plan?
Replies: 25
Views: 1786

Re: Which 529 Plan?

livesoft - thank you for that information. Not sure which would be best for them. Probably doesn't matter.
by mbres60
Fri Nov 22, 2019 9:34 am
Forum: Personal Investments
Topic: Which 529 Plan?
Replies: 25
Views: 1786

Re: Which 529 Plan?

Thank you all! I'll have to wade through some of the links here and also look into constructing my own funds although I'm going to guess that those won't automatically get more conservative. Because the 529s I'd be funding will be for my grandkids they will be in their parents" names and not mine. ...
by mbres60
Fri Nov 22, 2019 8:41 am
Forum: Personal Investments
Topic: Which 529 Plan?
Replies: 25
Views: 1786

Re: Which 529 Plan?

Thank you all! I'll have to wade through some of the links here and also look into constructing my own funds although I'm going to guess that those won't automatically get more conservative. Because the 529s I'd be funding will be for my grandkids they will be in their parents" names and not mine.