Search found 101 matches

by ji.isaacs
Wed May 23, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2462

Re: Buying a Woman's Tag Heuer On-line

Jomashop is another well known online 'grey' dealer: https://www.jomashop.com/tag-heuer-watch-way1455-bd0922.html I would have no problem buying a Tag from a reputable online dealer. Most likely it's a quartz, meaning the only maintenance it will ever require is a new battery. I noticed the unusual...
by ji.isaacs
Mon May 21, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Update: New iPhone - Older iPhone text msgs disappear
Replies: 29
Views: 1828

Re: Older iPhone text msgs disappear

How are your Notifications set up for Messages? It seems you are allowing notifications. Banners will show up and then disappear, Alerts will stay on the screen until action is taken. You can also set them to show on the Lock Screen. This is how version 10.x.x works. Version 11.x.x also gives the sh...
by ji.isaacs
Sat May 12, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Moving companies (long distance):recommendations+choosing delivery date?
Replies: 15
Views: 801

Re: Moving companies (long distance):recommendations+choosing delivery date?

Buy replacement value insurance. Expect some damage. If you do the packing , number each box when finished and keep a list of what's inside, don't write it on top or sides. Take ALL personal papers, electronics, valuable, and special items with YOU. I've never experienced an interstate move without ...
by ji.isaacs
Sat May 12, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: The game of 'whack-a-mole' continues (Credit Freezes)
Replies: 6
Views: 1805

Re: The game of 'whack-a-mole' continues (Credit Freezes)

Thank you for this link. Locked my credit and received a PIN.
by ji.isaacs
Fri Apr 27, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: What type of lawyer handles will disputes?
Replies: 9
Views: 983

Re: What type of lawyer handles will disputes?

my wife has reason to believe that her brother, the executor of her aunt's will, has not done an honest job of distributing the money after the aunt's passing. What type of lawyer should she contact? We had the same issue in our family and the fraud was very provable. Our attorney told us not to sp...
by ji.isaacs
Sun Apr 15, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 13328

Re: How Far is too Far, Commuting?

About an 1 hour each way was our commute for years, by choice. And it's one we never regretted. We enjoyed the areas we lived in so much. It was like coming to a resort town or property and so divorced from work we never brought work stress home or thought about work. For all but one of the location...
by ji.isaacs
Fri Mar 30, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6919

Re: New car from dealer may have close to 150 miles - ok?

When I bought my car new years ago, the dealer found it from another about 150 miles away. I insisted it be brought back on a flatbed and the dealer said ok. Why don't you ask if they'll flatbed transport it for you?
by ji.isaacs
Fri Mar 30, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard in the WSJ today
Replies: 57
Views: 8209

Re: Vanguard in the WSJ today

Some of the issues reported on this board cover a broad time period, i.e., FIFO vs Spec-id when selling shares. I don't understand how something so rudimentary to a brokerage could have gotten out the starting gate broken. How was something like this not tested? Then not permanently fixed? If a prog...
by ji.isaacs
Fri Mar 30, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: New laptop purchase decision
Replies: 36
Views: 3152

Re: New laptop purchase decision

Apple refurbished are a great deal. I've always purchased AppleCare for them but have never used it once.
by ji.isaacs
Fri Mar 30, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 94
Views: 11964

Re: HOA vs No-HOA

HOA's in the south may be more important due to lax zoning laws. I've seen really nice homes with a trailer(or two) on the next lot. I can't imagine that upholding property value. Just visited some friends near the west coast and had this discussion. They have lived in different parts of the countr...
by ji.isaacs
Fri Mar 30, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Portable Inverter Generator vs Standby Generator
Replies: 78
Views: 3530

Re: Portable Inverter Generator vs Standby Generator

However, the Generac is nice if I'm not home as there's no way my wife would be able to set up the generator and tend to my son etc. How hard are these things to fire up? Most of them are electric start arent they? Wheel it out, plug it in, start it up, and flip the switches right? Not hard for me ...
by ji.isaacs
Fri Mar 30, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 38537

Re: What's your U.S. : International ratio?

There's no poll option for less than 20%.

90/10 and holding for now.
by ji.isaacs
Fri Mar 30, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Long term care options - FPO at what age
Replies: 5
Views: 688

Re: Long term care options - FPO at what age

If you are sort of on the edge of being able to self insure, then you have enough to fund the first year of Long Term Care. Taking a one year elimination period dramatically reduces the premium for long term care. In my mind, "winning" at LTC insurance means never collecting a dime. Ralph I would l...
by ji.isaacs
Fri Mar 30, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Long term care options - FPO at what age
Replies: 5
Views: 688

Re: Long term care options - FPO at what age

I can only speak generally and from my own experience. Perhaps it will be helpful. About 14 years ago I looked carefully into the then available LTC options available for spouse and myself. We decided to self-insure. This was because of: - the 90 day exclusion period before benefits would start - t...
by ji.isaacs
Fri Mar 30, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Savannah or Charleston?
Replies: 49
Views: 4446

Re: Savannah or Charleston?

There's nothing quite like sitting on a bench outside River Street Sweets in Savannah and spiking your glucose with Pralines.

I like Savannah a lot. It's not as refined as Charleston, and it's walker friendly. It just has an atmosphere I like.
by ji.isaacs
Fri Mar 30, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 94
Views: 11964

Re: HOA vs No-HOA

HOA's in the south may be more important due to lax zoning laws. I've seen really nice homes with a trailer(or two) on the next lot. I can't imagine that upholding property value. However, I'm living in the last HOA of my life, hopefully. There's always a cycle with board members. The bad reaches a ...
by ji.isaacs
Tue Mar 20, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Financial checklist after passing of a spouse
Replies: 22
Views: 2264

Re: Financial checklist after passing of a spouse

What I didn't see mentioned was notification of the major credit reporting firms. One of them, I think Experian, allows uploading of documents so upload the death certificate. Experian will then notify the others.
by ji.isaacs
Tue Mar 20, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Long term care options - FPO at what age
Replies: 5
Views: 688

Long term care options - FPO at what age

I am unable to purchase long term care insurance on the open market (have spoken with a well known expert), however I do have access to FLTCI. There is no guarantee I'll be approved, but it's worth a shot. According to their self-insure calculator I am okay to self insure. According to every thread ...
by ji.isaacs
Tue Mar 20, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 5848

Re: Amazon Prime Going Sideways/Weird Shipment Problems

Honestly, a day or two off delivery dates doesn't bother me. I have never ordered anything I needed within two days. Their delivery carriers are another story. UPS, USPS are fine. Whatever ragtag bunch of contractors they use are a joke. Their contractors have: 1. Backed up into my mailbox (on a pos...
by ji.isaacs
Sun Mar 18, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning: No friends, no family - no executor
Replies: 30
Views: 2517

Re: Estate planning: No friends, no family - no executor

I'm still trying to figure it out myself, but, I would never use Legal Zoom. For the time being my elder law attorney is co-trustee with a long distance relative, but the attorney must rely on the relative for detailed financial information. Don't co-trustees/co-executors have to sign everything in...
by ji.isaacs
Sun Mar 18, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning: No friends, no family - no executor
Replies: 30
Views: 2517

Re: Estate planning: No friends, no family - no executor

I'm still trying to figure it out myself, but, I would never use Legal Zoom.

For the time being my elder law attorney is co-trustee with a long distance relative, but the attorney must rely on the relative for detailed financial information.
by ji.isaacs
Sun Mar 18, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 32453

Re: Those with high savings rate: why?

Long term care insurance is not an option available to me so I am forced to self insure for the possibility.

My fall back plan doesn't include a Medicaid facility as first choice.
by ji.isaacs
Sun Mar 18, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: When to plan/arrange burial in national cemetary?
Replies: 4
Views: 507

Re: When to plan/arrange burial in national cemetary?

I went through this process last year and contacted the National Cemetery Association after the fact. Submitting an application can be done anytime via fax or email, followed by a telephone call to discuss. Each state runs its own operation so rules can differ. To schedule a burial: https://www.cem....
by ji.isaacs
Fri Mar 16, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Septic Maintenance Routine
Replies: 24
Views: 1742

Re: Septic Maintenance Routine

Mine was serviced at 7 years. The contractor told me that 8 years for 2 people was adequate. I paid $225.
by ji.isaacs
Wed Mar 14, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: TSP bonds?
Replies: 92
Views: 7294

Re: TSP bonds?

Why would someone use the TSP's F fund? The G fund is unique to the TSP and cannot be purchased anywhere else. The F fund is nothing special and it's equivalent be purchased anywhere, fund or etf, for a very reasonable ER. Even if one doesn't have an IRA or Roth outside of the TSP, the F fund equiva...
by ji.isaacs
Wed Mar 14, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2285

Re: Incorrect medical report

I had my left knee replaced and afterwards, they took an x-ray. Looking at the x-ray and the radiologist report, I (and only me) noticed that it was referring to my right knee. During pre-op, the surgeon drew a cut line on my left knee with magic marker, I had to sign my knee. The x-ray had a big l...
by ji.isaacs
Wed Mar 14, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2285

Re: Incorrect medical report

Thank you to everyone who responded. I appreciate your input. Due to the time it would involve for a drive, plus tolls, plus gas, I got lazy and decided to call the office one more time. This time I asked to speak to a medical person with authority to change the report. A short time later I received...
by ji.isaacs
Mon Mar 12, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2285

Re: Incorrect medical report

It would actually be inappropriate and probably illegal for someone to change the medical record because a receptionist handed a message from a patient to them. At minimum, you need to speak by phone to the person who can add an Edit to the record. If it is important enough, you may need to go in p...
by ji.isaacs
Mon Mar 12, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2285

Re: Incorrect medical report

Not a doctor, but I did have an incorrect diagnosis on my medical record. I was applying for life insurance so a big impact on the rate I would be offered. I had to get the original tests and go to an independent physician and have him review the results and write a letter stating the initial diagn...
by ji.isaacs
Mon Mar 12, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2285

Re: Incorrect medical report

You aren't stating what happened but is it relevant in any way to your long term care? Eg If it says they looked in your ears and they looked fine when they didn't and you don't have an earache then this seems like a waste of time regardless of your legal rights. It's really hard to describe any ty...
by ji.isaacs
Mon Mar 12, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2285

Re: Incorrect medical report

The office is a 40 minute ride away so calling was easy, but I think I will have to take your suggestion and drive there to ask in person. Then if nothing happens I guess I'll have to pursue the complaint process (which I am loathe to do). Thanks for your suggestion. If it is a 40 minute ride, you ...
by ji.isaacs
Mon Mar 12, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2285

Re: Incorrect medical report

Can you stop by the office? You have a right under HIPAA to have errors in your medical record corrected. Tell them that you have asked twice to have the error corrected and no one has gotten back in contact with you and that it seems silly to have to file a complaint to get this simple matter take...
by ji.isaacs
Mon Mar 12, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2285

Re: Incorrect medical report

I am hoping to solicit suggestions on how to handle correction of a medical report from the physicians on this board. Recently I obtained a copy of a medical report and discovered it is incorrect. The report states an event that did not occur. A message was left with the physician's nurse and when ...
by ji.isaacs
Mon Mar 12, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 9321

Re: traveling to mexico, should I be concerned?

I would recommend not going. An ex-pat acquaintance living in Mexico has left the country. We here in the US are not aware of everything that goes on there, and can't rely on even local papers to truthfully report. Listen to our state department. Who cares if you have kidnap insurance? Is that somet...
by ji.isaacs
Mon Mar 12, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2285

Incorrect medical report

UPDATE: See last post for update and resolution. I am hoping to solicit suggestions on how to handle correction of a medical report from the physicians on this board. Recently I obtained a copy of a medical report and discovered it is incorrect. The report states an event that did not occur. A mess...
by ji.isaacs
Fri Mar 09, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2732

Re: Big umbrella increase: anyone else's risen dramatically?

I realized the big increase after age 70 is due to the addition of under/uninsured motorist to the umbrella. If you have a plain vanilla umbrella policy without the extra insurance then age is probably a non-factor. Isn't it cheaper to crank up combined UIUM coverage under the auto policy? The (sta...
by ji.isaacs
Fri Mar 09, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: How Correlations Are Influenced
Replies: 30
Views: 2352

Re: Larry Swedroe: How Correlations Are Influenced

To me, cash is absolutely a safe haven. Is it? It is more-so if you mean literal cash, in your pocket, safe, or buried in the back yard. The next bank bailout won't be spread amongst the wider base of all taxpayers, it will be called a bailin and be absorbed by stockholders, bondholders, and holder...
by ji.isaacs
Mon Mar 05, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 4030

Re: Etiquette of hanging up on live telemarketers

My usual policy is simply not to answer if I don't recognize the number. Sometimes if I'm expecting a call and don't know the incoming number I'll answer. However, if it's not who I expect I try to remember not to speak, just hang up. I don't want my voice recorded by a telemarketer or unknown calle...
by ji.isaacs
Mon Mar 05, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2732

Re: Big umbrella increase: anyone else's risen dramatically?

I realized the big increase after age 70 is due to the addition of under/uninsured motorist to the umbrella. If you have a plain vanilla umbrella policy without the extra insurance then age is probably a non-factor.
by ji.isaacs
Mon Mar 05, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: VNTC as successor trustee?
Replies: 12
Views: 814

Re: VNTC as successor trustee?

Schwab has some good information on their website about what and how they manage trusts and the fees they charge. https://www.schwab.com/public/schwab/investing/accounts_products/personal_trust_services#why-trustee It looks as though $5000 per annum is the minimum charge for marketable securities, $...
by ji.isaacs
Fri Mar 02, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: New construction woes
Replies: 30
Views: 3130

Re: New construction woes

I would not recommend a hostile or negative attitude towards the builder unless he has already expressed the same to you. We moved into a brand new custom built house, not subdivision model type, and after home inspection and closing found several major items wrong. No hot water, flooding whenever w...
by ji.isaacs
Fri Mar 02, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2732

Re: Big umbrella increase: anyone else's risen dramatically?

You will see a dramatic increase in premium if anyone in your household reached age 70 before the policy renewed.

I believe age of insured(s) is one of the questions on the annual renewal form.
by ji.isaacs
Thu Mar 01, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Costco 'Goodyear' wiper blades
Replies: 43
Views: 6731

Re: Costco 'Goodyear' wiper blades

About two months ago I bought Rain-X wiper blades at Walmart. They weren't cheap, but seem to be doing an excellent job. For those who like to keep their windshields (and all windows) really clean of grime, buy MAAS fine polishing creme for all metals. It's a very fine grit pinkish color like jewele...
by ji.isaacs
Thu Mar 01, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 8615

Re: 30-Day Minimalist Challenge

Instant decluttering to meet a quantitative or timed goal is unappealing to me. So are these minimalist books. I read the sample pages of Marie Kondo's book and was thankful I didn't buy the book first. Each to their own. My hardest declutter involved books. An estimated 600+ along with the bookcase...
by ji.isaacs
Wed Feb 28, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Mobile Deposit Bank Fraud
Replies: 36
Views: 2830

Re: Mobile Deposit Bank Fraud

I think I'll call a couple of banks to find out if turning off mobile banking is an available feature. Wouldn't help for this type of fraud. The mobile banking was on the recipient's side of the transaction, not the account holder's side. You can't prevent your recipients from using mobile banking ...
by ji.isaacs
Wed Feb 28, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Mobile Deposit Bank Fraud
Replies: 36
Views: 2830

Re: Mobile Deposit Bank Fraud

This is from David Merkel’s “Aleph Blog,” an especially astute market commentary. In the February 23 Blog David relates a bank fraud perpetrated on him using mobile deposits. This scenario is new to me. Unfortunately, the bank refused to accept liability for the loss. http://alephblog.com/ Yet one ...
by ji.isaacs
Sun Feb 25, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 39426

Re: What UN-frugal thing do you do?

1. Buy organic. If there is an organic option, that's what I choose. Buy the meat and products I want. Buy bottled water. 2. Buy natural vitamins with the least or no preservatives or additives. 3. The dog. Eats organic raw prey model or holistic grain-free kibble/canned emergency food if it does no...
by ji.isaacs
Sun Feb 25, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads: What are you doing to prepare for dementia/alzheimers?
Replies: 60
Views: 6000

Re: Bogleheads: What are you doing to prepare for dementia/alzheimers?

Thank you for raising this important topic. I recently discovered that the attorney who initially set up my revocable trust was suspended by the state for commingling operational and client funds. Researching the case I came away stunned at the audaciousness of the attorney in question, and thankful...
by ji.isaacs
Tue Oct 10, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2844

Re: cash and landlines in disasters

There are limited true landline providers nowadays and the cost is most likely a factor in their discontinuance.

Where I live, there is a single provider and the monthly cost was close to $35. I hung on for several years but finally cut the cord this year.
by ji.isaacs
Fri Oct 06, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 65561

Re: Retirement Account Stolen by Identity theft

OP, thanks so much for posting this frightening story so we are all aware of what can happen. One other step you may wish to take going forward is to set up a CreditKarma account for your father, using your own email address, and monitor it frequently. When my mother passed away a few years ago, th...