Search found 963 matches

by mbres60
Fri Nov 08, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Flight Delay in Europe
Replies: 20
Views: 1670

Re: Flight Delay in Europe

Great! We had heard about this before we traveled in 2017. Our flight was delayed a few hours. British Airways actually gave everyone a brochure about this as we got on the plane. We filed our claim and received our money promptly. it is good to make people aware because not all airlines do what BA ...
by mbres60
Wed Nov 06, 2019 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Amica - Auto Policy, only 6 months
Replies: 37
Views: 2468

Re: Amica - Auto Policy, only 6 months

Just renewed mine November 1 with AAA. One year policy.
by mbres60
Wed Oct 16, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 50099

Re: Selling home- Demanding Buyer (Repairs)

Thanks for the update. I'm sure you'll be celebrating once it is sold :)
by mbres60
Fri Oct 11, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1572

Re: Keep car entertainment system with fast clock or get refurbished one?

Our 2018 Camry, which is 15 months old has a clock that runs fast. 1 minute every 10 days. It adds up unless you want to keep fixing the clock. Toyota says some will do this and they will replace it with a refurbished entertainment system. Not so sure I want a refurbished unit in a 15 month old car...
by mbres60
Thu Oct 10, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1572

Re: Keep car entertainment system with fast clock or get refurbished one?

When I was a mechanic at a dealership there were many modules, controllers, instrument clusters and radios I replaced under warranty that were refurbished. They looked and worked better than new. Many of you have had such components replaced under warranty with what you presume to be a brand new co...
by mbres60
Thu Oct 10, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1572

Re: Keep car entertainment system with fast clock or get refurbished one?

jabberwockOG wrote:
Thu Oct 10, 2019 4:26 pm
It is very easy to take out and reinstall the audio system on most Toyotas. I'd have them install the refurb unit. It will be fine.
Thanks!
by mbres60
Thu Oct 10, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1572

Re: Keep car entertainment system with fast clock or get refurbished one?

Are you sure it's a problem with the clock? In our household we have "he" time and "her" time. "He" time is accurate, like it agrees with cellphone time etc. "Her" time is set 3 -5 minutes faster to allow extra time to get things done and get to places. So each other's bedside clocks don't agree an...
by mbres60
Thu Oct 10, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1572

Re: Keep car entertainment system with fast clock or get refurbished one?

Our 2018 Camry, which is 15 months old has a clock that runs fast. 1 minute every 10 days. It adds up unless you want to keep fixing the clock. Toyota says some will do this and they will replace it with a refurbished entertainment system. Not so sure I want a refurbished unit in a 15 month old car...
by mbres60
Thu Oct 10, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1572

Re: Keep car entertainment system with fast clock or get refurbished one?

If you are satisfied with the entertainment system other than the clock, I wouldn't let them within an inch of replacing it. You may end up with much worse problems. It continues to amaze me how bad the clocks in most cars are. At least nowadays they usually keep running rather than failing complet...
by mbres60
Thu Oct 10, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1572

Re: Keep car entertainment system with fast clock or get refurbished one?

Our 2018 Camry, which is 15 months old has a clock that runs fast. 1 minute every 10 days. It adds up unless you want to keep fixing the clock. Toyota says some will do this and they will replace it with a refurbished entertainment system. Not so sure I want a refurbished unit in a 15 month old car...
by mbres60
Thu Oct 10, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1572

Re: Keep car entertainment system with fast clock or get refurbished one?

What's the problem with a refurbished unit? They are actually tested for defects, vs new ones are nowadays mostly never tested. This is our issue. We don't know anything about refurbished things so don't know if it is better to get it or stick with the known. Once the warranty runs out next year, i...
by mbres60
Thu Oct 10, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1572

Keep car entertainment system with fast clock or get refurbished one?

Our 2018 Camry, which is 15 months old has a clock that runs fast. 1 minute every 10 days. It adds up unless you want to keep fixing the clock. Toyota says some will do this and they will replace it with a refurbished entertainment system. Not so sure I want a refurbished unit in a 15 month old car ...
by mbres60
Sun Sep 29, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: COSTCO Citicard credit/discount question
Replies: 32
Views: 3733

Re: COSTCO Citicard credit/discount question

We take the check that is mailed to us from Citi and go to Costco and they cash it. You do it at a register. If the cashier doesn't have enough money then they call someone over who gets them the money. We never use it to buy stuff at Costco as we would rather use the credit card.
by mbres60
Sat Sep 14, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 4871

Re: Calling all iPhone SE Bogleheads

I have an SE. It is now 3 years old. It is my first smartphone. I specifically purchased it because it was smaller than the 7 that had just come out days before. I like it.
by mbres60
Wed Sep 04, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Pre-paid Funeral Expenses
Replies: 66
Views: 4051

Re: Pre-paid Funeral Expenses

One benefit is that at a time of extreme stress and sorrow, it reduces at least one source of stress so family members can only focus on grieving the loss of their loved one. The bigger benefit is that it removes those funds from assets that count against Medicaid eligibility. This would be most ap...
by mbres60
Tue Aug 27, 2019 8:08 am
Forum: Personal Investments
Topic: Helping my CSRS parent navigate meeting with Raymond James CFP
Replies: 35
Views: 3395

Re: Helping my CSRS parent navigate meeting with Raymond James CFP

I second the idea of putting money into the VCP. We did that before dh retired although I wished we put in more. Most people don't use it to increase their annuity (pension) but instead you convert it to Roth IRA at retirement and the tiny amount of earnings this new money will have earned can go in...
by mbres60
Wed Aug 14, 2019 4:13 pm
Forum: Personal Investments
Topic: Investing Father's Assets Who Is In Nursing Home (POA)
Replies: 68
Views: 4758

Re: Investing Father's Assets Who Is In Nursing Home (POA)

I am sorry about your father. I know this can all be overwhelming. I am not an expert at all but will make some comments. 1. $5000/month for nursing home will undoubtably go up over 5 years. 2. Assuming it doesn't go up... $5000 x 12 = $60,000 x 5 years = $300,000 3. Based on what you listed your fa...
by mbres60
Fri Aug 09, 2019 2:05 pm
Forum: Personal Investments
Topic: Helping my CSRS parent navigate meeting with Raymond James CFP
Replies: 35
Views: 3395

Re: Helping my CSRS parent navigate meeting with Raymond James CFP

There is not a whole lot to do about a CSRS pension. My dh retired 9 years ago. NO lump sum option. I believe choices are : full annuity if NO survivor benefit, partial annuity if he elects 100% of his annuity paid to his survivor, or partial annuity if he elects a 55% survivor annuity. I believe th...
by mbres60
Wed Jul 31, 2019 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 28814

Re: Social Security -- Take it at 62, 67 or 70

I've been waiting to take it at 70. Don't need the money now. I just looked at Mike Piper's calculator and it says to take it at 69 and 5 months. I keep changing the scenarios but the only change is to occasionally be 69 and 4 months. Anyone know why it would not be 70? I entered info and said I was...
by mbres60
Tue Jun 25, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 41
Views: 6336

Re: Purchasing Major Appliances from Costco

We bought a dryer from Costco about 18 months ago. It was on black Friday and was less expensive than buying the same model locally plus it came with a two year warranty which was doubled to 4 years because we used our Costco Citi visa card. Well, we had issues with it. Probably a design flaw. Ultim...
by mbres60
Tue Jun 25, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: World Cruise anyone ??
Replies: 20
Views: 2365

Re: World Cruise anyone ??

I have never been on a world cruise. The longest I have been on one was 28 days. I loved it. I love sea days so I don't mind up to 8 sea days in a row. Not everyone likes them. Princess has a world cruise that is about 90-111 days depending on where you get off (FL or CA). Look up the itinerary and ...
by mbres60
Wed Jun 19, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7261

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

We moved 8=9 hour drive away from family. Our kids did not have the same kind of relationship with grandparents that those who live near them do. Seeing them a few times a year is not the same thing as seeing them every couple of weeks or having the grandparents watch the kids or just take them out ...
by mbres60
Wed Jun 19, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: ? about Leap Frog for three year old
Replies: 4
Views: 545

Re: ? about Leap Frog for three year old

dsmil wrote:
Wed Jun 19, 2019 9:20 am
My son has spent a lot of time on the leap frog. He used it the most when he was 3. We probably have a dozen of those books.
Did you find yourself going through lots of batteries? How quickly did he get bored with a book?
by mbres60
Wed Jun 19, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: ? about Leap Frog for three year old
Replies: 4
Views: 545

? about Leap Frog for three year old

My grandson is turning three. I want to get him an educational toy but am getting quite confused. I bought a Leap Start 3D (2-7 years old) but it says it comes with a sampler book. Target didn't have too many "books" to purchase although online they do along with a number of other stores. I started ...
by mbres60
Tue Jun 18, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 6476

Re: Are you a member of nextdoor.com? Any concerns registering your info?

I joined Next Door a few years ago. In my area it is quite useful. I think it showed me a map of residences nearby and I could click on a few and they would send out post cards saying I invited these people to join. Maybe that is why a few people on here got requests from people they didn't know. I ...
by mbres60
Tue Jun 18, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3921

Re: Extend MacBook Battery Life by plugging in as much as possible?

My late 2011 MacBook Pro says cycle count is 1146. Several years ago (at least 4 years ago) we changed the battery. We use it a lot. We recharge it usually 1x/day. We use it with it plugged in at 100% if it is later in the day. We power off the computer at about 10 pm every night.
by mbres60
Sat Jun 15, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 50099

Re: Selling home- Demanding Buyer (Repairs)

Thanks all. Well we sent notification to terminate the contract. Although it stinks that we will have to relist, so glad to be done with buyers. I can only imagine how final walk through would have went. A lot of lessons learned here. Let us know how the new listing goes. We all, I'm sure, hope it ...
by mbres60
Sat Jun 15, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: my physical therepy collect upfront of $30 even i have medicare insurance
Replies: 11
Views: 1611

Re: my physical therepy collect upfront of $30 even i have medicare insurance

I have Medicare along with Part B. My supplement is Aetna Direct (through FEHB). I have NEVER had to pay anything for PT. I would question them as to why they are asking for it. Make sure you understand your supplement though. If it will be 100% taken care of by insurance then they should not ask fo...
by mbres60
Fri Jun 14, 2019 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 50099

Re: Selling home- Demanding Buyer (Repairs)

I would not want this locked. I'm waiting to hear the ending to all of this. You can stop reading if you are not interested anymore.
by mbres60
Thu Jun 13, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 50099

Re: Selling home- Demanding Buyer (Repairs)

Why are you sending email to buyer's agent/buyer? Why are you not going through your real estate agent?

I agree with the post just before mine. Stop with this buyer. Relist the house after you fix the septic. Get a better agent.
by mbres60
Fri Jun 07, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 101
Views: 6547

Re: New Camry Questions

One thing to consider on the SE is if you are OK with the ride compared to the LE or XLE. The SE has bigger wheels and a different suspension so it may ride a little rougher. I would definitely get BSM. Toyota's option packages drive me nuts. Recently test drove a Camry LE hybrid but BSM only comes...
by mbres60
Mon Jun 03, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Road Trip! Texas to Virginia places to see/visit
Replies: 21
Views: 1155

Re: Road Trip! Texas to Virginia places to see/visit

If you go through Memphis, Graceland is a must see.
by mbres60
Tue May 28, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 138
Views: 12101

Re: House not selling

Have you checked your contract to see when you can "fire" the realtor? Even if he calls today I would still want to fire him/her. He/she is not helping you sell your house. They should have told you right up front to paint, declutter, and de-personalize your house.
by mbres60
Tue May 28, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15686

Re: No more print Money magazine

Anybody on here NOT get their June issue yet? I have not. Seems like it is a bit late although talking about it I'll probably get it in today's mail :D
by mbres60
Tue May 28, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15686

Re: No more print Money magazine

I just called and cancelled my subscription. With an expiration date of March 2020 I will get a refund of $8.67. Woo hoo! Maybe I can go out for lunch today. :D
by mbres60
Mon May 27, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 5079

Re: Teaching jobs

In my area teachers have til July 1 to submit resignations.
by mbres60
Mon May 27, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15686

Re: No more print Money magazine

mbres60, I called their customer service number of 1-877-604-6510 at 2:20pm CDT on Saturday, May 25th. I believe ownership of the magazine has changed recently as they now have all new account numbers. I ran into the same situation with my other financial magazine "Kiplinger's Personal Finance" whi...
by mbres60
Mon May 27, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15686

Re: No more print Money magazine

I have had a continuous subscription to "Money" magazine since January 1965 (along with "Kiplinger's Personal Finance) and just renewed Money on April 30th for another three years at $10 per year. I refuse to read magazines online so I called their customer service to cancel my renewal which would ...
by mbres60
Fri May 24, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2315

Re: Fly cross-country with a cat

It saddens me to read some of the responses here from people who seem to disregard the fact that there are enough people who are allergic to cats. I am allergic and would never in my wildest dreams have thought I would have to bring allergy medication with me when I fly. As a matter of fact, once sy...
by mbres60
Wed May 15, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: Chrome or Brushed Nickel [Bathroom fixtures]
Replies: 29
Views: 4095

Re: Chrome or Brushed Nickel

Thanks for all the responses! I love chrome, bright and shiny, but will go with the brushed nickel. The salesman in Lowes said it was the most popular. They had many more to choose from.
by mbres60
Tue May 14, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Chrome or Brushed Nickel [Bathroom fixtures]
Replies: 29
Views: 4095

Chrome or Brushed Nickel [Bathroom fixtures]

We are redoing two bathrooms. Not sure if we should buy chrome or brushed nickel fixtures. Seems that brushed nickel currently sells more (according to the guy at Lowes). Anyone have any preferences as to which is better? I don't want to update bathrooms and put in outdated fixtures, assuming chrome...
by mbres60
Thu May 09, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Replacement Window shopping advice
Replies: 20
Views: 1692

Re: Replacement Window shopping advice

Several years ago we were in the market for replacement windows. We were in BJ's when someone came up to us asking about home renovations. We set up an appointment (they were authorized by Bj's). They were incredibly expensive. We got a quote from Thompson Creek and also another local company. I sta...
by mbres60
Mon May 06, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Car loan dilemma
Replies: 34
Views: 3087

Re: Car loan dilemma

Have you figured out how much interest you will be paying over the life of the loan? It may not be worth agonizing over.
by mbres60
Fri May 03, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Move to South Florida or Baltimore?
Replies: 29
Views: 3136

Re: Move to South Florida or Baltimore?

Ellicott City, Columbia, and Clarksville. All in Howard County. Maryland is mostly county government so the school system is the county one. Howard County is considered one of the top along with Montgomery County but that is further away and you might not like that long commute. As for crime... Balt...
by mbres60
Fri May 03, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs from an inherited-inherited IRA...is Fidelity wrong?
Replies: 18
Views: 2764

Re: RMDs from an inherited-inherited IRA...is Fidelity wrong?

My mother and father both had IRAs. Mom died so her IRA went to my dad as spousal beneficiary. Dad died and both my sibling and myself inherited the IRA. At the time the money was in a CD at Chase Bank. This was 2010 so memory hazy. Sibling is older. I believe those RMDs are bigger than mine. As soo...
by mbres60
Thu Apr 25, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: Medicare B only vs FEHB only
Replies: 47
Views: 1983

Re: Medicare B only vs FEHB only

How many years would you need to continue working to carry FEHB into retirement? 5 years of continuous enrollment in FEHB prior to retirement is my recollection OP does not say how old they are. If they are 40 then that is different than if they were 57. It is difficult to answer their question wit...
by mbres60
Thu Apr 25, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Medicare B only vs FEHB only
Replies: 47
Views: 1983

Re: Medicare B only vs FEHB only

How many years would you need to continue working to carry FEHB into retirement? 5 years of continuous enrollment in FEHB prior to retirement is my recollection OP does not say how old they are. If they are 40 then that is different than if they were 57. It is difficult to answer their question wit...
by mbres60
Thu Apr 18, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: Medicare B only vs FEHB only
Replies: 47
Views: 1983

Re: Medicare B only vs FEHB only

How many years would you need to continue working to carry FEHB into retirement?
by mbres60
Wed Apr 10, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 21261

Re: Wife hates new job...wants to quit after 1 day

OP, how did Day 2 go? OP is likely busy being a supportive spouse instead of updating us! Here is the Day 2 Update: -Her boss met with her at the beginning of the day and said some big changes were coming but not to worry as she was a representation of the changes to come. He said due to restructur...