Search found 252 matches

by Marylander1
Sun May 24, 2020 8:21 pm
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 11289

Re: Would you drive without a spare tire?

When something fell off a pickup truck in front of us, we lost a tire driving from home to the airport for a flight. After pulling far off the interstate shoulder and installing the spare, we got to the airport in just enough time to get bumped to a later flight, with vouchers for 2 free round trips...
by Marylander1
Sun May 24, 2020 7:23 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 137
Views: 11508

Re: Pandemic buys that have improved quality of life?

We've learned to make our own tortillas with Costco masa. It's ridiculously easy, and we're never again buying grocery store tortillas.

Marylander1
by Marylander1
Thu May 21, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3416

Re: Do you dislike recurring billing for gyms?

I won't permit automatic drafts from my bank account. My policy is to permit automatic bank account drafts only for bills where I know and trust the director of finance to handle any problems personally. I push most bill payments from my bank account. When billers make mistakes, they're usually in ...
by Marylander1
Wed May 13, 2020 9:40 pm
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2058

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

You're looking not just for a good doctor, but a good system including their staff and appointment availability. Talk to your life-savvy friends who are medically similar to you (especially type of medical conditions and any medically-significant activities like marathon running, rugby, or performin...
by Marylander1
Wed May 13, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10803

Re: Dentist charges $10 for PPE

It would make more sense to raise the cost of the cleaning. Clients don’t like to feel nickel and dimed. I would have said something there. If enough people do they will stop charging it. If my dentist requests a reasonable PPE fee on my next visit, I'll pay it. Once treatments, vaccines, herd immu...
by Marylander1
Tue May 12, 2020 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Salary ranges, grades, and layoffs
Replies: 11
Views: 2029

Re: Salary ranges, grades, and layoffs

Can someone help break down clearly the process and math that HR and manager's go through when they decide a reduction in workforce is necessary? Probably not, unless that "someone" is involved in making the decisions. There are as many ways to select people and positions to eliminate as you might ...
by Marylander1
Fri May 01, 2020 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 363
Views: 30793

Re: JPM Chase Reserve Card gets more expensive

I will absolutely take that bet. RCL closed at $24 on Friday. Let’s check back in two years. The loser donates the winner’s profits to a charity chosen by the winner. Ok, I like that. I also like that it goes to a charity. $24 today and then on 4/5/2022 charity gets the difference. I hope you reali...
by Marylander1
Sat Apr 25, 2020 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Mobile Deposits/ATM
Replies: 42
Views: 1613

Re: Mobile Deposits/ATM

bberris wrote:
Fri Apr 24, 2020 9:55 am
List of the various limits on app-based deposits.
https://www.mybanktracker.com/news/comp ... sit-limits
Those limits are out of date. TD allows $5,000 daily limit (and maximum limit for one check) and $20,000 rolling 30 days.

Marylander1
by Marylander1
Wed Apr 22, 2020 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Exit Interview
Replies: 78
Views: 5765

Re: Exit Interview

You can tell a lot during an exit interview by who does it, what they ask, and how they respond. I'm not in HR but give exit interviews, and we've learned valuable things that helped us to improve the workplace. In a previous megacorp position, management was oblivious about why they were losing so ...
by Marylander1
Wed Apr 22, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 4995

Re: How much to tip on DoorDash?

Absolutely! But the situation must be symmetrical, right? If the food is cold and messed up, there should be 0 tips + refund + fine for my wasted time, correct? Maybe you're going about this the wrong way. Your actions may be generating bad service. We place large orders (ordering 4 entrees from a ...
by Marylander1
Thu Apr 16, 2020 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 227
Views: 31378

Re: Car Dealers not really wanting to make a deal

heard an ad on the radio this morning from a large local dealer offering a new program "fully online" purchase. "no need to step foot on the dealer lot" I can't imagine dropping $30k on a vehicle without at least test-driving it...but maybe some people will? For our most recent car purchase, we neg...
by Marylander1
Mon Apr 13, 2020 10:17 am
Forum: Personal Consumer Issues
Topic: Home/Auto/Umbrella insurance quote discrepancy
Replies: 8
Views: 502

Re: Home/Auto/Umbrella insurance quote discrepancy

I am shopping around for home/auto/umbrella policies, and the quotes are so much lower for one company that I am worried there's a catch! Home & auto policies are usually fairly consistent, but umbrella coverage varies dramatically by carrier, such as whether the umbrella limit applies to uninsured...
by Marylander1
Wed Apr 01, 2020 10:04 pm
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7343

Re: Anyone here depressed just looking at their portfolio?

I have limited time to focus on long-term concerns, so I prioritize. In normal times, long-term planning is mostly keeping an eye on retirement savings. These days, long-term planning is minimizing the risk I get sick. To enjoy retirement I'll need to be alive, preferably with unravaged lungs. Maryl...
by Marylander1
Sun Mar 29, 2020 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: [IRS tax filing deadline moved to July 15]
Replies: 55
Views: 3617

Re: [IRS tax filing deadline moved to July 15]

H&R Block Customer Support told me they will enable scheduling payments to the IRS as late as July 15 when their new Federal release comes out April 3. I recall reading TurboTax updated their software in the past few days to provide the same.

Marylander1
by Marylander1
Tue Mar 24, 2020 4:10 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190885

Re: Bogleheads community discussion - Coronavirus

Long, long time lurker. Rarely post. Maybe one post to my credit. So many knowledgeable people on this site. I have learned so much and am very grateful. But this thread is sad and is reflective of the dynamics in this country. Expertise is out; emotions are in. Facts are out; beliefs and feelings ...
by Marylander1
Wed Mar 18, 2020 3:07 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 50784

Re: How Is Your Job Being Impacted By The Current Crisis?

bgatze wrote:
Tue Mar 17, 2020 3:51 pm
Hotels are projecting up to a 70% decline in occupancy down to single digits for an extended period of time nation wide.
A friend at a hotel this week was told by staff she and her husband are the only guests. It's like Alerted Carbon, but without Jimi Hendrix or Edgar Allen Poe.

Marylander1
by Marylander1
Tue Mar 17, 2020 11:37 pm
Forum: Personal Consumer Issues
Topic: Does Verizon FIOS let you take your Internet with you?
Replies: 11
Views: 565

Re: Does Verizon FIOS let you take your Internet with you?

My home FIOS is in DC area. I have Comcast, and roughly half the time I'm at a small or mid-size commercial establishment in my area, I get free WiFi through Comcast. (This doesn't apply to giant corporate buildings or government agencies, which have their own networks and usually no others are ava...
by Marylander1
Tue Mar 17, 2020 10:50 pm
Forum: Personal Consumer Issues
Topic: Do Cell Phone Boosters Work?
Replies: 24
Views: 1454

Re: Do Cell Phone Boosters Work?

Boosters that connect to your house internet and are usually available from your phone provider work, as long as your home connection is fast and stable. Getting a combination of phone and carrier that supports WiFi calling is often even better. (My Google Fi uses that regularly.) In contrast, off-b...
by Marylander1
Tue Mar 17, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury extends [tax payment date 90 days, filing deadline still April 15]
Replies: 80
Views: 2914

Re: Income tax payment deadline extended to July 15

Afty wrote:
Tue Mar 17, 2020 3:36 pm
How will this actually work if one is filing their taxes with TurboTax?
I presume H&R Block and TurboTax will issue software updates to reflect changing federal and state deadlines, but those will probably take a few days. (However, I have no inside knowledge.)

Marylander1
by Marylander1
Tue Mar 17, 2020 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury extends [tax payment date 90 days, filing deadline still April 15]
Replies: 80
Views: 2914

Re: Income tax payment deadline extended to June 15

bluebolt wrote:
Tue Mar 17, 2020 3:13 pm
90 days is around July 15, not June 15
Thanks; I corrected the subject.

Marylander1
by Marylander1
Tue Mar 17, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury extends [tax payment date 90 days, filing deadline still April 15]
Replies: 80
Views: 2914

Income tax payment deadline extended to July 15

[merged into existing topic - moderator prudent] Bloomberg reports Treasury Secretary Mnuchin extended the deadline for paying income taxes from April 15 to July 15: Treasury Secretary Steven Mnuchin announced that his department is pushing back the April 15 deadline to pay taxes owed, giving indiv...
by Marylander1
Sun Mar 15, 2020 9:00 am
Forum: Investing - Theory, News & General
Topic: So what does shutting down the US economy for a few months look like?
Replies: 200
Views: 15075

Re: So what does shutting down the US economy for a few months look like?

At a certain point, our leaders are going to have to encourage folks to return to normalcy even if that means getting the virus and being sick for a few days. We still need to be hyper vigilant about the elderly and those suffering an at risk condition, but healthy people under age 60 need to retur...
by Marylander1
Wed Mar 11, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: Possible Identity Theft? Best Course of Action.
Replies: 5
Views: 511

Re: Possible Identity Theft? Best Course of Action.

My first step would be to freeze my credit immediately, then contact the cellphone providers.

Marylander1
by Marylander1
Tue Mar 10, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Airfare and corona virus
Replies: 21
Views: 2083

Re: Airfare and corona virus

Southwest Airlines lets you cancel any flight for future credit, and reschedule without penalty (you pay or receive the difference in fare).

Marylander1
by Marylander1
Sun Mar 08, 2020 9:24 am
Forum: Personal Finance (Not Investing)
Topic: No attachments when eFiling using H&R Block's home software?
Replies: 12
Views: 825

Re: No attachments when eFiling using H&R Block's home software?

Why do places do this? Consumer Cellular plays yelling sports news, so it is impossible to do anything else while on infinite hold. Perhaps they've found it reduces the number of calls that get through to a person. The whole point of complex automated interactive systems is to reduce the cost of hi...
by Marylander1
Sat Feb 15, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: How long to obtain Vital Records?
Replies: 14
Views: 751

Re: How long to obtain Vital Records?

I received death certificates (not my own) from Maryland in 8 days. But that's irrelevant unless your records come from the same agency.

Since you're unwilling to identify the agency, you're probably better off Googling their response time.

Marylander1
by Marylander1
Sun Jan 26, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 30
Views: 3135

Re: Credit Karma says someone added me as an authorized user on their card

AAA wrote:
Sun Jan 26, 2020 7:12 pm
I wasn't aware of such a form. Is it a relatively recent thing?
annualcreditreport.com has been available since 2005.
https://en.wikipedia.org/wiki/AnnualCreditReport.com

Marylander1
by Marylander1
Thu Jan 23, 2020 8:12 pm
Forum: Investing - Theory, News & General
Topic: Are interest rates ever going back up?
Replies: 98
Views: 7799

Re: Are interest rates ever going back up?

The Economist this month noted real interest rates have been unsteadily but persistently declining for centuries, and graphed them using Paul Schmelzing's data back to 1317. "Rates falling since the early 1980s may be less the result of acute problems, such as an ageing population, than markets simp...
by Marylander1
Thu Jan 16, 2020 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Med-Pay “P.I.P” Coverage In Auto Insurance
Replies: 13
Views: 869

Re: Med-Pay “P.I.P” Coverage In Auto Insurance

GlacierRunner wrote:
Thu Jan 16, 2020 9:50 am
I carry $5,000 MedPay. ... $1,000 seems standard here.
I think if you go to an American emergency room and get a tissue to blow your nose, the cost is about $1,000.

Marylander1
by Marylander1
Sat Dec 28, 2019 9:02 am
Forum: Personal Investments
Topic: FDIC insured consideration... Big deal, overblown, what? Any case studies or personal experiences?
Replies: 24
Views: 1844

Re: FDIC insured consideration... Big deal, overblown, what? Any case studies or personal experiences?

I guess it sort of feels like to me that FDIC would almost never come into play. But I admit I haven't given it much thought or research. So... Is this something that deserves a lot weight? Is it overblown? Does anyone have a personal experience where FDIC insurance saved their bacon or the lack of...
by Marylander1
Mon Dec 23, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7309

Re: What tech wiring in new build house?

It sounds like you're referring to USB-C, which is finally a powerful enough standard to charge laptops and power packs and all phones quickly. I don't buy devices that use the old Micro USB anymore, they charge slowly and will be obsolete soon. I certainly wouldn't hard wire my house with rectangu...
by Marylander1
Mon Dec 23, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7309

Re: What tech wiring in new build house?

No comment on the coax, etc, but I'd add outlets with USB connections so I can plug right in w/o another plug and transformer and charge all my things. I would advise against those USB charging ports. Was just about to say that. Google Pixel phones use different charging standard that Moto phones w...
by Marylander1
Tue Dec 17, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: Washer / Dryer recommendation [stackable units]
Replies: 9
Views: 785

Re: Washer / Dryer recommendation [stackable units]

We love our LG front-loading stackable set we got ~3 years ago from Costco. (We got the stacking kit from Amazon.)

Marylander1
by Marylander1
Wed Dec 11, 2019 1:55 am
Forum: Personal Consumer Issues
Topic: Hi-jacking a cell phone in real-time
Replies: 7
Views: 1260

Re: Hi-jacking a cell phone in real-time

Call your phone provider—the one you pay for service—immediately.

Marylander1
by Marylander1
Wed Dec 04, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 97
Views: 6484

Re: Does anyone have a dishwasher they recommend?

When we have little money, we bought used dishwashers for $25 from a nearby store. Some lasted a year or two, one lasted two weeks (and one was never any good, so we replaced it after a month). Some of them made so much noise you had to shout in the next room to be heard. When our savings recovered,...
by Marylander1
Wed Dec 04, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Cable Cord Cutting more complicated than expected
Replies: 96
Views: 8130

Re: Cable Cord Cutting more complicated than expected

michaeljc70 wrote:
Wed Dec 04, 2019 5:44 pm
Another caveat with cord cutting is none of the streaming services currently offer PBS. I'm using Firesticks with YouTube Tv and it is working well.
We watch PBS Passport on our Roku Premium+ all the time, including this week.

Marylander1
by Marylander1
Tue Dec 03, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6658

Re: Airline overhead bins...do you think they're assigned?

Been flying nearly 60 years. Guess many miss the announcements "for those people just boarding, if you see an overhead bin space open, take it" that I often hear. My impression is that announcement is made in the later stages of boarding, when many bins are full and filling gaps is the only approac...
by Marylander1
Fri Nov 29, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Camera Question
Replies: 69
Views: 2963

Re: Camera Question

Also, there seem to be lots of reviews for B&H as a camera dealer, does anyone have experience with them. I noticed some interesting pricing with other NY based retailers, but when reviewing there ratings, lots of comments about gray market products. B&H states they are an authorized dealer for Can...
by Marylander1
Thu Nov 28, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28325

Re: H&R BLOCK Pre-Order 2019 Software Offer

I think that's your accumulated discount for not using the 2-day/next-day shipping from Amazon Prime. I also received a $3 Amazon Day Discount off $24.95 State & Federal once I started the checkout process for https://www.amazon.com/gp/product/B07YH24MYL/ I'm pretty sure this is not my accumulated ...
by Marylander1
Thu Nov 14, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: Question on product ratings...(Amazon and Google)
Replies: 7
Views: 554

Re: Question on product ratings...(Amazon and Google)

If you are a Costco member maybe buy one there (I have seen a few brands at my local costco) to try and return if not satisfactory. Their return policy is pretty liberal. If the product doesn't perform as advertised no guilt in returning. Compared to Amazon, Costco also ensures your purchase isn't ...
by Marylander1
Wed Nov 13, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28325

Re: H&R BLOCK Pre-Order 2019 Software Offer

Almost there wrote:
Wed Nov 13, 2019 8:02 pm
Dodecahedron wrote about camel camel camel. I couldn’t find the app. Does it have a different name?
It's a website, not an app.
As provided above:
https://camelcamelcamel.com/VERSION-Blo ... ext=search

Marylander1
by Marylander1
Tue Nov 12, 2019 10:38 pm
Forum: Investing - Theory, News & General
Topic: Changes to Morningstar Website?
Replies: 150
Views: 12968

Re: Changes to Morningstar Website?

I notice that nobody has actually canceled a subscription here. Come on, step up to the plate guys. :twisted: I cancelled. Rather than call their annoying phone number and endure unspecified hassle, I changed my registered auto-pay credit card number to one that was about to expire. It worked! Mary...
by Marylander1
Tue Nov 12, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 12356

Re: Saving seats on Southwest

Doing something stupid while aboard a 14 CFR Part 121 regulated airline has very serious consequences, much more than if you did similar behavior on a bench outside. Amtrak doesn't even enjoy the same regulatory protections and currently has an open seating policy, yet the sensational stories about...
by Marylander1
Tue Nov 12, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 12356

Re: Saving seats on Southwest

What does EB give you then? Why don't you just check-in all together at the earliest time you can (24hr before boarding)? That's $25-$50 per EB that you don't have to spend. When I get it, it's to save the hassle of checking in 23.99 hours in advance, and sometimes I'm asleep or driving or skiing o...
by Marylander1
Tue Nov 12, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Blankets/Bedding for Cold Winter Nights
Replies: 56
Views: 3938

Re: Blankets/Bedding for Cold Winter Nights

Toons wrote:
Tue Nov 12, 2019 5:07 pm
Electric Blanket
We use an electric mattress pad, which requires a lot less washing (as it's protected under the sheet) so it lasts longer.
It also loses less heat into the air as it's under all the blankets.

And it's far more resistant to cats' kneading.

Marylander1
by Marylander1
Tue Nov 12, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Roku - is the Express sufficient?
Replies: 34
Views: 2233

Re: Roku - is the Express sufficient?

This is incorrect, at least for my Roku: -The Roku cannot control a soundbar or receiver directly. Fire can. This was important for me. I have a Roku Premier, and the remote control also runs my Vizio TV & soundbar. I didn't configure anything; it just worked when I plugged it in. I also found an un...
by Marylander1
Tue Nov 12, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5476

Re: (Sigh) "Wasting" year-old smoke detector batteries...

CO detectors actually force a change after a certain number of years. I know because if they don't have a readout, they tell you in a very obnoxious way (beeping the alarm in a special pattern you have to look up on a coded chart that you forgot to save). At 3am when you think you're being poisoned...
by Marylander1
Tue Nov 12, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Is anyone else getting bogus subscriptions on Prime?
Replies: 12
Views: 917

Re: Is anyone else getting bogus subscriptions on Prime?

Call Amazon and dispute the purchase. Yes, do this. Amazon service isn't what it used to be, but this seems a slam dunk complaint. Also, I specifically suggest calling. I made the mistake of using Amazon's chat the last time I had a problem, and the person on the other end barely knew English, and ...
by Marylander1
Fri Nov 08, 2019 3:17 am
Forum: Personal Consumer Issues
Topic: Maximize 1 Day at Disney
Replies: 48
Views: 3256

Re: Maximize 1 Day at Disney

The magic we had in our time at the parks didn’t involve rushing to get things done, they involved watching the joy it brought our daughter, which really is priceless. Go to the Magic Kingdom and enjoy. I've been to the Magic Kingdom exactly once, when I was five years old. My memories are warm and...