Search found 848 matches

by mbres60
Tue Oct 23, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Confused on Currency exchange
Replies: 3
Views: 190

Re: Confused on Currency exchange

I just went to a currency converter and US $8902 = $12,561 AUD so I don't understand why your profit is $416 AUD.
by mbres60
Wed Oct 03, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Comcast Triple Play modem
Replies: 9
Views: 566

Re: Comcast Triple Play modem

Telephony modems are expensive. Everyone who says theirs was cheap does not have telephone.
by mbres60
Wed Oct 03, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11881

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

I have not been in that situation but did have an a/c break down where we had to buy a new one. One day it was working and the next day it was not. In our case it was losing freon. had more put in and a couple of days later that was gone. Did they tell you what the problem was with the unit? Either ...
by mbres60
Tue Sep 25, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Premium/Appeal Question
Replies: 3
Views: 490

Re: Medicare Premium/Appeal Question

Yes... they reassess every year so you are not locked into a high amount forever.
by mbres60
Wed Sep 12, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 64
Views: 8951

Re: My daughter's inheritance.

I'm so sorry for you and your daughter's loss. You have received a lot of good advise. There is more than one correct way to do things. Fees are very important because over time they eat away at your portfolio. I use Vanguard but I know others on here use Fidelity too. Check them both out. The way I...
by mbres60
Sat Sep 08, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4753

Re: Buying a new Toyota Camry. What extra options if any?

In July we bought a 2018 Camry XLE. We have no extra options on it. I think the seats on the passenger side (where I sit) is very uncomfortable. Was in Costco a few days ago and they have a memory foam and gel seat cushion on sale for $14.99. Seat is now comfy. I think the driver's seat is a little ...
by mbres60
Mon Aug 13, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9928

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

There is a major difference between the travel insurance that includes evacuation and buying an evacuation policy. The trip insurance that includes evacuation YOU do NOT get to decide if you will be evacuated and to where. If you buy an evacuation policy such as Medjet Assist then if you don't like ...
by mbres60
Sun Aug 05, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Death of Grandfather - creating to do list for Grandmther
Replies: 23
Views: 1804

Re: Help! Death of Grandfather - creating to do list for Grandmther

When my mother passed we found out that their credit card had her as primary and my dad as an authorized user. The payments were being automatically taken out of their checking account (in another state as we had moved them closer to my sibling before my mom passed). Because the primary was now dece...
by mbres60
Sat Aug 04, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9928

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I checked out that article and felt it was eye opening. A lot of people on Cruise Critic talk about always buying trip insurance along with Medjet Assist. I wonder if those who take long cruises (and therefore travel the world) realize that if something happens to them on their 8 hour tour and are r...
by mbres60
Wed Aug 01, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9928

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Please keep in mind that medical evacuation that is part of a travel insurance policy (not MedJet Assist which is only evacuation) will only occur if the hospital you land in feels they can not help you as they don't have the services you need. Medjet Assisst is if YOU want to leave the hospital you...
by mbres60
Tue Jul 31, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9928

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

You only asked about medical evacuation but you both are of Medicare age. Medicare does NOT cover outside the US although I understand there may be some limited coverage under some plans. You can buy medical travel insurance for a small amount of money. This will include evacuation also. What you re...
by mbres60
Tue Jul 10, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 1968

Re: Radon

Years ago we tested our basement and it was about 4.5. I don't remember exactly. Didn't really have the money for remediation so did nothing because like you it wasn't that far off from 4. Fast forward 25 or so years and decided to test again. It was a little over 7 I think. Apparently it varies esp...
by mbres60
Tue Jul 10, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Grandmas Living Trust... Need Advice
Replies: 22
Views: 1580

Re: Grandmas Living Trust... Need Advice

If possible you want to avoid taking money out of the IRA because whoever inherits it might be able to still take out RMDs. Possibly based on their own lifetime ( I currently have an inherited IRA that was my mother's then went to my father and now to me) If you cash out then the money is taxable th...
by mbres60
Sun Jul 08, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Long Cruises
Replies: 20
Views: 1914

Re: Long Cruises

We have done 3 cruises of 26-28 days and one cruise of 21 days. Never had an issue with the cabin except on the 21 day. Found a bug in the bed. Called passenger services who put us in another cabin for the night (it was about midnight). They checked the cabin and found no more bugs. Sanitized the ca...
by mbres60
Wed Jul 04, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3675

Re: How do I fix my heating bill?

Years ago we had a heat pump. Emergency heat only came on if it was exceptionally cold (I'm in Maryland). Emergency heat is $$$. I think something is wrong with either your system or the thermostat. Have both checked out by an experienced HVAC person. Do other people in your area have heat pumps? If...
by mbres60
Thu Jun 28, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: New car dealer pricing
Replies: 44
Views: 2731

Re: New car dealer pricing

Lots of good info here. Thanks! Didn't realize that TrueCar pricing was that much off. Isn't it supposed to be what people in the area really paid?
by mbres60
Thu Jun 28, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: New car dealer pricing
Replies: 44
Views: 2731

Re: New car dealer pricing

I recently bought a Toyota Camry. I went to a local Toyota dealer and picked out the car I wanted and did a test drive. The price they quoted me was pretty good but still more than I wanted to pay. About a week later my wife and I went to a Honda dealer in another town, and we had a bad experience ...
by mbres60
Thu Jun 28, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: New car dealer pricing
Replies: 44
Views: 2731

Re: New car dealer pricing

Thanks for many good suggestions. We still have to make up our mind which car. Our problem is the seats, to us, are hard and on long drives can envision sore bottoms ;( One question I have... We have been to four Toyota dealerships to talk about the cars and in some cases test drove some. After doin...
by mbres60
Thu Jun 28, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: New car dealer pricing
Replies: 44
Views: 2731

New car dealer pricing

Been looking for a new car recently. Not sure what we want so we have made the rounds. When we go to the dealers' websites (and also a couple of dealer's printed out a page from their site about a specific car) they list MSRP and then show the internet discount. Does this mean they don't haggle? We ...
by mbres60
Mon Jun 11, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 2297

Re: 2018 RAV 4 or Camry

We actually can wait for a car however I don’t really want to. My car is a 2001 Camry that just passed 50,000 miles. Low miles on a 17 year old car is not the best. If we just use this it may break down much sooner. I feel that once this car goes we won’t need a second car anymore and will just be a...
by mbres60
Mon Jun 11, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 2297

Re: 2018 RAV 4 or Camry

Thanks for the replies so far. We have test driven the cars. That is not the issue. Wanted to know which cars are easier to get in and out of if one is feeble or has a broken hip, etc.
by mbres60
Mon Jun 11, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 2297

2018 RAV 4 or Camry

We are in the market for a new car because the 15 year old Buick Le Sabre my dh drove died. He is quite upset about this and is having trouble deciding which car to buy. We are both retired and this car will be our main car. He is tall (6' with long legs) but I am short (almost 5'3"). The Camry is n...
by mbres60
Sun Jun 03, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: FedEx Home Delivery and PO box
Replies: 15
Views: 1380

Re: FedEx Home Delivery and PO box

Your package appears to currently be on a truck being shipped to your location. If the shipper has contacted FedEx and requested it to be returned to sender then the destination HD facility will get the request and will TRY to stop it before it goes out for delivery. Nothing happens while the packag...
by mbres60
Thu May 31, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9812

Re: Router hack, have you acted?

Just heard about this today. I am not a techie. When we got wifi about 5 or 6 years ago I read somewhere we should have a router and the cable modem. A couple of months ago Comcast told us to upgrade to a different modem so we did. We got rid of the old router and now just have the modem. Do I need ...
by mbres60
Sun May 27, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: How to dispose of car towed to mechanic?
Replies: 10
Views: 1384

Re: How to dispose of car towed to mechanic?

Thanks for some ideas :happy
by mbres60
Sun May 27, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: How to dispose of car towed to mechanic?
Replies: 10
Views: 1384

How to dispose of car towed to mechanic?

Our 2003 Buick Le Sabre died Friday. AAA towed it to our preferred shop. I have wanted to get rid of it for a while when it was still running but spouse did not. I assume that on Tuesday when the shop gets a chance to look at it that the fix will not be worth spending $$$. Any ideas on how to dispos...
by mbres60
Sat May 19, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Light or Dark House
Replies: 4
Views: 898

Re: Light or Dark House

Thank you all.
by mbres60
Fri May 18, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Light or Dark House
Replies: 4
Views: 898

Light or Dark House

We have aluminum siding and are considering changing the color (it can be painted... who knew?). Current color is blue which is faded in certain areas (33 years old). At first we considered changing to a dark gray color with white trim but now thinking maybe a medium gray. We have a black roof and t...
by mbres60
Wed May 09, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 19686

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

I've been following along and all I can say is I'm sorry you have had to go through all this. I know it is all frustrating and stressful. I hope you find a new house soon and the car issue too gets settled and will be just a bad memory.
by mbres60
Sun Apr 22, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 10222

Re: Resign from job or possible termination

This one is SO easy no reason to read the other responses. Look for a job NOW and do NOT resign. Much easier to find one when you still have a job. Everybody wants someone in demand (they have a job already) not someone sitting at home orphaned by the working world (unemployed). It is human nature ...
by mbres60
Fri Mar 09, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Freezing credit reports and opening CDs
Replies: 22
Views: 2069

Re: Freezing credit reports and opening CDs

I may be naive but why would opening a CD require a credit check?
by mbres60
Wed Mar 07, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Should I "get divorced" for tax purposes (PSLF)
Replies: 57
Views: 4308

Re: Should I "get divorced" for tax purposes (PSLF)

Poorly written post. We really are unclear what you mean by "divorce". Are you talking about the difference between married filing jointly as opposed to separately or are you really considering a legal divorce. Until you clear this up the responses you get are going to be all over the place and ther...
by mbres60
Fri Mar 02, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Anyone Cruise around South America?
Replies: 14
Views: 1880

Re: Anyone Cruise around South America?

We are booked on a Princess cruise around SA starting next Feb 2. I know you can never predict the weather but I am concerned about the ship rocking and rolling to the point of getting seasick. I hear the seas can be rough/and or very windy. I also hear it can be nice weather. What have you experie...
by mbres60
Thu Mar 01, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Anyone Cruise around South America?
Replies: 14
Views: 1880

Re: Anyone Cruise around South America?

Why do you want cruise around South America? To avoid doing *exactly* that lots of people went through humongous effort to create the Panama Canal :-) By the way, we had fabulous time in Panama couple weeks ago. It is marvel of engineering and the story behind it is very riveting. Already did the t...
by mbres60
Thu Mar 01, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Anyone Cruise around South America?
Replies: 14
Views: 1880

Re: Anyone Cruise around South America?

Thank you! I read cruise critic all the time. I am signed up on the roll call there and quite a few have done this 2 times already! No we are not going through the Amazon. I certainly hope we don't have to crawl on the floor ;) The ship is one of their newest ships, Royal Princess, so it does have b...
by mbres60
Wed Feb 28, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Anyone Cruise around South America?
Replies: 14
Views: 1880

Anyone Cruise around South America?

We are booked on a Princess cruise around SA starting next Feb 2. I know you can never predict the weather but I am concerned about the ship rocking and rolling to the point of getting seasick. I hear the seas can be rough/and or very windy. I also hear it can be nice weather. What have you experien...
by mbres60
Sat Feb 24, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: New Dryer with Issues... Should I return it?
Replies: 16
Views: 1513

Re: New Dryer with Issues... Should I return it?

We looked around a little bit today. Seems that GE and LG both have the moisture sensors at the bottom front of the machines (GE is on the left while LG on the right). Whirlpool has it on the back of the drum. One review online I read about Whirlpool was that the moisture sensor shredded their towel...
by mbres60
Sat Feb 24, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: New Dryer with Issues... Should I return it?
Replies: 16
Views: 1513

Re: New Dryer with Issues... Should I return it?

I am unclear on this point: Does the sensor still operate as intended even though there is lint? Just because the repair person replaced it doesn't mean it was malfunctioning. They may have just done that to say they did something on the service visit or to humor you. You said "same thing is happen...
by mbres60
Fri Feb 23, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: New Dryer with Issues... Should I return it?
Replies: 16
Views: 1513

New Dryer with Issues... Should I return it?

At the beginning of December we had delivered to our home a new electric dryer that we bought online at Costco. They were having a terrific black Friday deal that we were able to take advantage of. It included a 2 year warranty and then purchasing with our Costco Visa we received another 2 year warr...
by mbres60
Mon Feb 19, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 36
Views: 2820

Re: Seeking Cruise Suggestions

We enjoy Princess cruises.
by mbres60
Mon Feb 19, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversions to shrink RMDs
Replies: 15
Views: 1255

Re: Roth conversions to shrink RMDs

She needs to consider what her modified adjusted gross income (MAGI) will be. If she exceeds $170k MAGI, Medicare Part B charges a premium. It still may be worth it, but she needs to figure out what the impact of the premium would be. An alternative, which I have used, is to take a Roth conversion ...
by mbres60
Fri Feb 16, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 209
Views: 19276

Re: Federal Retiree Health Care with/Medicare

I am with Aetna Open Access HMO currently and am quite happy with it. All our doctors are through Aetna. I have thought about switching to Kaiser. The other option I am thinking about is Aetna Direct. Does anyone have experience with that? How would it work with my spouse not on Medicare? We too ha...
by mbres60
Mon Feb 12, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 60
Views: 6487

Re: Cheap cell phone plans

Thank you all so much for all your suggestions. There are so many companies and deals out there! We narrowed it down to T-Mobile and to the HSN deal on Tracphone. We do have Comcast internet but after buying a phone it would have cost more. This week end we ordered his new phone from HSN. Decided to...
by mbres60
Thu Feb 08, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 3597

Re: Comcast Modem Rental

Thanks for all the help. I currently have a Comcast Cisco gateway that I am using as a modem because I have a Netgear router. I have my phone line coming from the modem. What type of modem do I need? Do i have to replace it with a gateway or can I just buy a wifi modem? What type of modem do I need...
by mbres60
Wed Feb 07, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: "Family View" at vanguard.com
Replies: 11
Views: 1658

Re: "Family View" at vanguard.com

Yes. We did it several years ago by calling.
by mbres60
Wed Feb 07, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 60
Views: 6487

Re: Cheap cell phone plans

[To summarize, your spouse should have options to use the accumulated balance -- and some of the options must include keeping the old cheap plan and old cheap phone.] This is probably his situation. I know that a year ago when his phone was disabled (they disabled it without telling him because he ...
by mbres60
Wed Feb 07, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 60
Views: 6487

Re: Cheap cell phone plans

+1 for T-Mobile $3/month We live overseas, but wanted to keep our US phone numbers. It's worked out great. We've put the auto-payment on for $3/month and don't worry about it. When we travel home we just switch the T-Mobile Sim card back in and use as needed. You can even easily add Data Packages o...
by mbres60
Wed Feb 07, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 60
Views: 6487

Re: Cheap cell phone plans

His phone is old. It is not a flip phone but has the antenna that sticks up. I know I read that those are not good for you (although if you rarely use it then it probably is ok). He probably got his phone in the early 2000s or maybe it was late 90's. Yes - very old.. Do any family/friends have phon...
by mbres60
Tue Feb 06, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 60
Views: 6487

Re: Cheap cell phone plans

I think I must have had a similar Virgin Mobile plan for a cheap emergency phone. But once you reach the maximum for topping up, don't you want to still use up the large balance you have? I had to call their live help to renew the account. They allowed me to use my balance to pay for the next 90 da...
by mbres60
Tue Feb 06, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 60
Views: 6487

Re: Cheap cell phone plans

Buy a Tracfone on HSN for $60. Service is good for one year, 1500 minutes, 1500 texts, 1.5 GB data. Includes the phone, uses the native Verizon network, does not roam. There are other, more expensive (but still low cost) options on the site. https://www.hsn.com/products/lg-rebel-3-5-16gb-android-tr...