Search found 458 matches

by rooms222
Sat May 30, 2020 9:38 pm
Forum: Personal Consumer Issues
Topic: How to get back fees paid to telemedicine provider?
Replies: 30
Views: 1832

Re: How to get back fees paid to telemedicine provider?

Since it is not a generic, be sure to look and see if there is a copay card or other payment assistance available from the manufacturer. Copay cards work up to a certain amount if you are uninsured.
by rooms222
Thu May 28, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 97
Views: 6883

Re: The "Best of" for Aldi?

Going to different Aldis lately, some have stopped the quarter for the cart and some have not. Imagine they will get more consistent soon. The ones without the quarter have nicely requested that you bring the cart back so it can be cleaned after you are finished. Yes, but they tend to still load yo...
by rooms222
Thu May 28, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6200

Re: How to get disinfecting wipes..seriously

I was able to order a 3 pack of Clorox wipes from Walmart and they arrived yesterday. They were placed in the box on their side and all the liquid leaked out. The wipes were dry. I had to through them out and get a refund. Today I was able to order a 5 pack from Costco and am hoping for better resu...
by rooms222
Thu May 28, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 97
Views: 6883

Re: The "Best of" for Aldi?

Going to different Aldis lately, some have stopped the quarter for the cart and some have not. Imagine they will get more consistent soon. The ones without the quarter have nicely requested that you bring the cart back so it can be cleaned after you are finished.
by rooms222
Wed May 27, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 160
Views: 12056

Re: If Jeep has such poor reliability, how come they are everywhere?

I too have resisted commenting on this vehicle thread until now, as the vehicle threads on here are full of preconceived notions with a few good points. With the high resale value, a Wrangler is probably a vehicle best purchased new, like Toyotas or Subarus, and it has special appeal and capability ...
by rooms222
Sat May 23, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Cheap way to ship a few boxes?
Replies: 14
Views: 922

Re: Cheap way to ship a few boxes?

Also, origin and destination. Amtrak can be a good way to move if you are coming and going to places where they have baggage service.
by rooms222
Thu May 21, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3424

Re: Do you dislike recurring billing for gyms?

I think the automatic transfer language is to ensure they get access to the updater services from credit cards to keep charging you if you change card numbers or the expiration date changes. https://www.creditcards.com/credit-card-news/recurring-charges-updater-1275.php This means that unless you to...
by rooms222
Thu May 21, 2020 9:07 am
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3424

Re: Do you dislike recurring billing for gyms?

Yes, my gym is the only ACH debit that is pulled by the vendor. It is annoying. I have my insurance and power bill on credit card autopay because get a discount for the insurance (and points on the credit card), and the power bill because it is the only way to pay for free with CC. I use a secondary...
by rooms222
Fri May 15, 2020 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Good Time to Buy New Car or Wait?
Replies: 38
Views: 3614

Re: Good Time to Buy New Car or Wait?

Having read a lot based of this question in a prior thread, it appears that there can be deals on a lot of cars that were originally slated for rental fleets, and the orders are now cancelled. Brands noted in these articles include Nissan, Kia, Ford, GM, and FCA. The cars with a deal would be ones t...
by rooms222
Thu May 14, 2020 12:17 pm
Forum: Personal Consumer Issues
Topic: Cheap Chromebook vs Laptop PC quality/options for child
Replies: 40
Views: 2150

Re: Cheap Chromebook vs Laptop PC quality/options for child

Many Chromebooks used and/or distributed for home use by schools are ruggedized and extra durable. I would get one of those. Many of them are in the lower price ranges of Chromebooks. I would look at capacity and how long the official Chrome support lasts on the machines. Currently, some older Chrom...
by rooms222
Sat May 09, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for first time homebuyer? Cheapest mortgages?
Replies: 9
Views: 1056

Re: Advice for first time homebuyer? Cheapest mortgages?

Having had an FHA loan for about 12 years now, it has worked for me. I was able to do a no-money cost streamline refinance to lower the rate from 6.375 to 3.75 in 2013. The main reason to do it is if the housing costs of owning are significantly less than renting in the area they are in, I was upsid...
by rooms222
Thu May 07, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Home insurance up 40%, stay w/same company due to possible roof issues?
Replies: 22
Views: 1502

Re: Home insurance up 40%, stay w/same company due to possible roof issues?

We went through this when we first bought a house. After inspection, they sent us a letter cancelling the policy after inspecting it, due to the poor condition of the roof. We had to hunt around and find a policy that cost more than double the prior one. Luckily, the roof was covered in snow when th...
by rooms222
Wed May 06, 2020 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Amica vs USAA Insurance
Replies: 27
Views: 1613

Re: Amica vs USAA Insurance

Although touched upon in the thread, not everyone in USAA has an SSA. Some may get dividends on car insurance. Rates vary on your tier of membership. Discussed most fully in this thread. viewtopic.php?t=207005
by rooms222
Mon Mar 30, 2020 10:04 pm
Forum: Personal Consumer Issues
Topic: Obtaining a Pennsylvania Birth Certificate After an Informal Name Change
Replies: 11
Views: 661

Re: Obtaining a Pennsylvania Birth Certificate After an Informal Name Change

That part about the name is true. However, when you go to transact business with the SSA again, they will likely put a hold on your account and trace you back to your birth certificate from the vital records department where you were born and change your card back to what is on the birth certificate...
by rooms222
Wed Mar 25, 2020 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: State tax help-Live in one state, work in another (but used to live there too)
Replies: 4
Views: 203

Re: State tax help-Live in one state, work in another (but used to live there too)

Were this W-2 income on the later Michigan job, this would be relatively easy, as long as WI was not in the mix Michigan has reciprocity for state taxes with both Wisconsin and Minnesota. https://www.michigan.gov/taxes/0,4676,7-238-75545_43715-154059--,00.html Wisconisn and Minnesota no longer have ...
by rooms222
Sat Mar 21, 2020 6:14 am
Forum: Personal Consumer Issues
Topic: American purchasing a car in Canada - things to consider?
Replies: 23
Views: 1091

Re: American purchasing a car in Canada - things to consider?

Why not buy a car in Washington state and take it up to Canada to move home?
by rooms222
Tue Mar 17, 2020 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployment Benefits Question
Replies: 3
Views: 394

Re: Unemployment Benefits Question

According to this, all states are required by Federal law to participate in interstate claims. There are some facets to doing so. https://www.masslegalservices.org/conte ... ate-claims
by rooms222
Sun Mar 01, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Establishing Credit for a Recent Immigrant
Replies: 10
Views: 372

Re: Establishing Credit for a Recent Immigrant

New Family member was able to get good no-fee card with Capital One based on having SSN and using household income she has access to from spouse. Read their definition of household income on application. If she has good credit in UK, Amex has a special program they have been promoting to use the cre...
by rooms222
Fri Feb 21, 2020 9:37 am
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4752

Re: Master of Social Work degree

Mental Health Advanced Practice Nurse is a goal with better pay and opportunities as they can write prescriptions unlike Psychologists and Social Workers.
by rooms222
Tue Feb 18, 2020 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10225

Re: Prenup - Worth It?

I would suggest looking at the forums on visajourney.com to compare the K-1 and K-3 (CR-1) process. If you get married in another country, when she comes she will be able to get work permit/travel overseas/driver's license etc. right away, while with the K-1 there will be several months of isolatio...
by rooms222
Tue Feb 18, 2020 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10225

Re: Prenup - Worth It?

Duplicare Post
by rooms222
Tue Feb 11, 2020 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: tax question. splitting nyc income
Replies: 5
Views: 413

Re: tax question. splitting nyc income

For part year NY and part year NYC, you need to fill out part of this form: https://www.tax.ny.gov/pdf/current_forms/it/it360_1_fill_in.pdf For part year NYC and part year Yonkers, you need to fill out ALL of the form. Instructions here: https://www.tax.ny.gov/pdf/current_forms/it/it360_1i.pdf The p...
by rooms222
Mon Feb 10, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica?
Replies: 33
Views: 2196

Re: Chrysler Pacifica?

To answer your longevity question, my Daughter's 2011 Dodge Avenger is starting to wear out at 220,000 miles. Our Plymouth Voyager was stolen and then sold after theft recovery with 175,000 miles on it. I can fully appreciate some of the concerns about reliability of FCA's vehicles, given the check...
by rooms222
Mon Feb 10, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica?
Replies: 33
Views: 2196

Re: Chrysler Pacifica?

To answer your longevity question, my Daughter's 2011 Dodge Avenger is starting to wear out at 220,000 miles. Our Plymouth Voyager was stolen and then sold after theft recovery with 175,000 miles on it.
by rooms222
Wed Feb 05, 2020 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee wanting detailed accounting of finances pre-death
Replies: 10
Views: 1692

Re: Trustee wanting detailed accounting of finances pre-death

This question is state specific. That kind of information would more likely be about a claim of financial exploitation or elder abuse. https://www.milvidlaw.com/estate-planning/joint-accounts-elder-abuse/ This seems like some of the drama in settling an estate. By not taking the appointment, you hav...
by rooms222
Wed Feb 05, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: HSA Confused
Replies: 32
Views: 1436

Re: HSA Confused

These are employer provided wellness incentives. There is an article about them here: https://shrm.org/resourcesandtools/hr-topics/benefits/pages/wellness-incentives-taxable.aspx I would also read the IRS memo linked in the article for more information. There appears to be some IRS research and scru...
by rooms222
Sat Feb 01, 2020 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on pension options
Replies: 16
Views: 1388

Re: Need advice on pension options

Since he is on SSDI, he can only ask for retirement benefits early or wait until full retirement age. He cannot delay after that date. Transition is automatic. If he can, he should keep getting SSDI until full retirement age. https://www.disability-benefits-help.org/glossary/delayed-retirement-benef...
by rooms222
Fri Jan 31, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: Amazon price gouging
Replies: 61
Views: 3887

Re: Amazon price gouging

Save yourself some money and buy 70 % Isopropyl alcohol ("rubbing alcohol") and use it sparingly on hands for disinfection. As compared to 70 % ethanol - which is used in many hand sanitizers - 70 % isopropyl is equally effective a germ killer + it's cheaper + it's less toxic (isopropyl alcohol = c...
by rooms222
Fri Jan 31, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9207

Re: Suggestions for wife's new luxury (or non luxury) SUV????

This is kind of conflicted. If you have unlimited budget, why reliability is a must? You just lease a big Mercedes or BMW X5 SUV and call it a day. Anything happens, dealership will bend over backwards and give you a loaner. In reality, new Mercedes and BMW cars (or any new car for that matter) rar...
by rooms222
Fri Jan 31, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Amazon price gouging
Replies: 61
Views: 3887

Re: Amazon price gouging

Also, if necessary, you can make your own. In many countries, hand sanitizer is isropropyl alcohol in a spray bottle. The gel hand sanitizer is alcohol mixed with glycerin. https://cleanmyspace.com/make-your-own-hand-sanitizer/
by rooms222
Thu Jan 30, 2020 4:10 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 v Civic Si
Replies: 46
Views: 2790

Re: Mazda 3 v Civic Si

I second checking out the 2 manual-only trim lines of the Ford Focus as well as the Titanium trim level with a stick. I came from a Mazda, and it has been very trouble free. My 2013 Titanium has the touch screen and heated seats. The later years of the Titanium added a couple more safety and weather...
by rooms222
Tue Jan 28, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: How to get out cash
Replies: 52
Views: 4388

Re: How to get out cash

When I need small bills I go to Walgreens and buy a small debit purchase like a water or candy bar and get $15 cash back. There is no fee for this. Then you have a ten and a 5. I think CVS does the same. If you are worried about debit fraud, open a local credit union account with free checking and k...
by rooms222
Tue Jan 21, 2020 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: State tax situation, when working remote, Living in One State, Working in Another
Replies: 5
Views: 557

Re: State tax situation, when working remote, Living in One State, Working in Another

How will you be paid? If by 1099 and you work remotely from your home in California then I think it is pretty straightforward: you don't need to file any Michigan taxes. If you are a W2 employee and your employer is in Michigan, they may very well deduct Michigan income taxes and show your income a...
by rooms222
Wed Jan 15, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation issues with more than one state of residence?
Replies: 15
Views: 1102

Re: Taxation issues with more than one state of residence?

If you have a permanent place of abode in New York for substantially all of the taxable year and spend more than 183 days in the state, you may be a full year resident of New York instead of a part year resident. I was planning to move this coming June, so I may want to reconsider a few days. Thank...
by rooms222
Tue Jan 14, 2020 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation issues with more than one state of residence?
Replies: 15
Views: 1102

Re: Taxation issues with more than one state of residence?

It is state specific. What are the two states?
by rooms222
Sun Jan 12, 2020 12:07 am
Forum: Personal Consumer Issues
Topic: Recommend Dual SIM smartphone please
Replies: 25
Views: 1921

Re: Recommend Dual SIM smartphone please

[/quote] Thanks for sharing the frequencycheck.com info - learnt something new and useful. But when I click that link for Moto G7 Power, I don't see any bands for T-mobile LTE: Am I reading this correctly that this model won't support 4G/LTE data on T-mobile? https://i.imgur.com/7xvylywt.jpg [/quote...
by rooms222
Sat Jan 11, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: Recommend Dual SIM smartphone please
Replies: 25
Views: 1921

Re: Recommend Dual SIM smartphone please

If Amazon ever gets it, the Umidigi F2 has all the T-Mobile bands and dual sim cards. I ordered one from China, and it has been long-delayed. [/quote] I'm liking this G7 Power phone, with its 5000 mAh battery !! How would you compare it to the Galaxy A70 mentioned above? [/quote] The A70 has much be...
by rooms222
Sat Jan 11, 2020 1:23 am
Forum: Personal Consumer Issues
Topic: Recommend Dual SIM smartphone please
Replies: 25
Views: 1921

Re: Recommend Dual SIM smartphone please

I have purchased two of this Moto G7 Power variant from seller virtual-depot on Amazon. https://www.amazon.com/Motorola-Unlocked-Smartphone-International-Model/dp/B07NPRQYP1?th=1 As Amazon and Amazon Warehouse are selling this phone, I would also purchase from them. It works great for what you descr...
by rooms222
Fri Jan 10, 2020 2:15 pm
Forum: Personal Investments
Topic: Inherited lump sum... What do I do?
Replies: 41
Views: 2077

Re: Inherited lump sum... What do I do?

This academic paper has the best information on Retained Asset Accounts I could find. http://www.wriec.net/wp-content/uploads/2015/07/7F1_Bisco.pdf Note that the interest rate can be state specific. Around 2010, there was some regulatory focus on them and they may now be paying a higher rate, like y...
by rooms222
Tue Jan 07, 2020 9:47 pm
Forum: Personal Investments
Topic: Register Business in NJ but pay sales tax in NY State? Is this correct?
Replies: 1
Views: 173

Re: Register Business in NJ but pay sales tax in NY State? Is this correct?

Since you are doing taxable services in NYC, you should start here: https://www1.nyc.gov/nycbusiness/description/sales-tax-vendor-certificate-of-authority It has links to the state of NY website to register to collect NY sales tax. If you remain a sole proprietorship, this should be sufficient and y...
by rooms222
Sun Jan 05, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan for first time
Replies: 44
Views: 2805

Re: Traveling to Japan for first time

If you are flying into Narita, the currency exchange is very fair for US dollars. You will want some cash. They have about 15 machines where you just throw in any denomination US dollar and the yen comes out. They also have conventional counters. We loved the machines. The rate is posted here daily,...
by rooms222
Sun Jan 05, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Name on Deed to home question
Replies: 17
Views: 1504

Re: Name on Deed to home question

In thinking about this question, I first thought, what about you holding a 30 year interest only mortgage with little or no downpayment? The problem with this is, if the property appreciates, creditors and the IRS may be able to put liens on it and get in line for the equity. I believe tax liens hav...
by rooms222
Fri Jan 03, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: Insurance Issues - suggestions?
Replies: 22
Views: 1737

Re: Insurance Issues - suggestions?

Congratulations! Also, thank you so much for updating us as to what happened.
by rooms222
Thu Dec 26, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Latex mattress
Replies: 22
Views: 1334

Re: Latex mattress

We have had good luck with our Ikea latex mattress over the last 10 or so years. Prices have doubled since then for them. They now have an all natural model for under $1000.
by rooms222
Wed Dec 25, 2019 11:25 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry transmission problems in 2018-2019
Replies: 21
Views: 2150

Re: Toyota Camry transmission problems in 2018-2019

TSB is a technical service bulletin that is issued to the dealers about potential repair issues. You may want to find it online and ask your dealer, as it is not an official recall. If you don't ask you may not get the repair. A reflash is to update the software or firmware of part of the car with n...
by rooms222
Sat Dec 21, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Synchrony Bank (as credit card issuer)?
Replies: 16
Views: 1174

Re: Synchrony Bank (as credit card issuer)?

OP here. I am about _this close_ to cancelling this credit card account, but just thought I'd describe my latest issue with Synchrony Bank / Sam's Club Mastercard. Mainly as therapy to get it off my chest :wink: but also for other Bogleheads considering this card to learn from my experience. Over t...
by rooms222
Sat Dec 21, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Synchrony Bank (as credit card issuer)?
Replies: 16
Views: 1174

Re: Synchrony Bank (as credit card issuer)?

My Amazon store card is through Synchrony. I cannot get them to participate in the automatic ebill service from my bank, although every other credit card will participate. Other than that it's been fine. I had problems getting them to participate. I found out that I had to switch to paper billing f...
by rooms222
Thu Dec 19, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Best Process for Buying a Used Car (Camry / Accord)
Replies: 18
Views: 1873

Re: Best Process for Buying a Used Car (Camry / Accord)

If you insist on those two models, where the price/value equation is typically out of whack, I would suggest knowingly getting a used rental. I watched the Steve Lehto video about rental cars, and his main problem was that most cars that are recent, low mileage rentals are ex-rental cars that the de...
by rooms222
Thu Dec 19, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Starting nurse practitioner salary in Northeast
Replies: 17
Views: 1930

Re: Starting nurse practitioner salary in Northeast

The experiences of the NPs that I know square with others, that much of the NE is swamped with that specialty of NPs, and pay has been similar to RN for the Family specialty. Many wish they did mental health instead. Under their scope of practice, MH NPs and PAs can write prescriptions in many state...
by rooms222
Fri Dec 13, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Opinions - used 2005 Toyota Corolla with only 87,000 miles?
Replies: 43
Views: 2726

Re: Opinions - used 2005 Toyota Corolla with only 87,000 miles?

Most 2005 Corollas did not have ABS. I owned one and it is still in the family. 147000 miles and chugging along. It was one of the 10% that year made in Japan. The Panasonic battery lasted over 10 years. It had a panel rust out due to improper paint prep at the factory. It had some rust issues with ...