Search found 359 matches

by NYnative
Sun Jul 15, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 42
Views: 2556

Re: Bears!!!

I've never seen a bear in the desert. In the Phoenix area we have coyotes, javalinas, an occasional wolf, rattle snakes (and a few other types), rats of all type, some huge, and far too many people. But bears?? The 110+ temps in the summer is not the right environment for bears.
by NYnative
Sun Jul 15, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 56
Views: 2293

Re: Anyone not have a Budget?

No budget here. Had one for many years when money was tight and kids at home needing savings for college. Now I know what comes in and what goes out. Being exact is too OCD for me. I guess that's a sort of budget in my head, but nothing on paper. I haven't balanced a checkbook in many years - ever s...
by NYnative
Sun Jul 15, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3128
Views: 955013

Re: What Book Are You Currently Reading? Part VI

What's a "book?" :oops: 8-)
by NYnative
Sun Jun 24, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 4805

Re: "distilled" water for wife's CPAP machine

I'm assuming that nearly all of us who have CPAP machines obtained them on the advice of a Dr. and was issued a prescription to purchase one. Also that we went through a sleep study to determine whether one was necessary. Both my Dr. and the instructions that came with the CPAP (if you have one with...
by NYnative
Sat Jun 23, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3576

Re: What will (or would) you tip when wages go up?

$15 an hour doesn't amount to a lot on an annual basis in the US, no matter how you look at it. There aren't a lot of locations where you can survive on a salary of about $30K a year, before deductions. Whether it's for a waiter, a fast food worker, a cashier or anyone else, it's not a lot. I don't ...
by NYnative
Thu Jun 21, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 4805

Re: "distilled" water for wife's CPAP machine

I think the reason for skepticism of the OPs question is that it’s an insignificant amount compared to the risk of not using distilled water. Sure, there are many ways to economize on small things that add up to decent amounts. Health is not one of them. Skip the Starbucks, bring a homemade lunch to...
by NYnative
Thu Jun 21, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2438

Re: Need new Cable Modem + Router - Please recommend

The loss of remote record setting from anywhere except on a TV at home has been publicly announced recently (finally). Comcast is in a patent dispute with TIVO and an initial court ruling went against Comcast. Comcast refuses to pay royalties, which is why they removed the feature. If this is a feat...
by NYnative
Wed Jun 20, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3576

Re: What will (or would) you tip when wages go up?

Not sure what a "service fee" is. Many restaurants now have a small area at the bottom of the check with several suggested tip levels - say 15%, $17%, 20% and 22% and the respective dollar amounts. Makes it easier to figure out. And places that use ipads or other portable devices have "suggested" ti...
by NYnative
Wed Jun 20, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2438

Re: Need new Cable Modem + Router - Please recommend

I hope you are aware that Comcast removed the ability to set recordings remotely over 6 months ago. It was done without notice and it looks like it may never be provided in the future. If that’s a feature you used with FIOS, you will miss it. Also, Comcast is no different than any of the other ISPs....
by NYnative
Wed Jun 20, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2438

Re: Need new Cable Modem + Router - Please recommend

I would go with a cable modem recommended by your cable provider. Make sure it meets the requirements of the provider. As to routers, I have always used a separate one. Just got a new one a few weeks ago after the old one became intermittent. I purchased a NETGEAR R6700 Nighthawk AC1750 Dual Band Sm...
by NYnative
Mon Jun 18, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 4805

Re: "distilled" water for wife's CPAP machine

I've been using a CPAP for about 7 years and my annual cost for distilled water is about $11.00 a year - 12 gallons. I also clean the mask and the tank every morning. The hose about once every two weeks. Also change the filters monthly. This is not a device that you would want to skimp on for suppli...
by NYnative
Sun Jun 03, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Major Issue with Wife's Vanguard IRA - please help
Replies: 19
Views: 1868

Re: Major Issue with Wife's Vanguard IRA - please help

I believe the first thing you should do is log directly into your wife's Vanguard account (it's not yours - there is no co ownership of IRAs) and see how the account is characterized. Unless he is authorized as her agent to do this it would be a violation of the VG terms. He can have her log in and...
by NYnative
Sun Jun 03, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Major Issue with Wife's Vanguard IRA - please help
Replies: 19
Views: 1868

Re: Major Issue with Wife's Vanguard IRA - please help

I believe the first thing you should do is log directly into your wife's Vanguard account (it's not yours - there is no co ownership of IRAs) and see how the account is characterized. I don't know much about Mint, but it may be like Morningstar - which means it shows accounts, balances and lots of o...
by NYnative
Tue Apr 10, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15874

Re: Parents have zero savings. What can I do?

So, before you got married, you went behind everybody's back and investigated the financial situation of your prospective parents in-law? I'm waiting for a single person to say that thought ever even crossed their mind, let alone actually searching the internet or even going to a private investigato...
by NYnative
Tue Apr 10, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15874

Re: Parents have zero savings. What can I do?

after marriage[/i], unless they ask for it, to be very odd and intrusive. You can keep saying it, but it doesn't make using the internet or even a private investigator to get financial information about prospective in-laws without their knowledge pre-marriage any less bizarre. Again, I'd love to he...
by NYnative
Tue Apr 10, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15874

Re: Parents have zero savings. What can I do?

BTW, the only excuses for not knowing about your future in laws general financial situation is either getting married at a very early age or not having the guts to do some digging. This is the is the internet age. You can find a lot of information about most people with a few hours of research. A c...
by NYnative
Mon Apr 09, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15874

Re: Parents have zero savings. What can I do?

I would bet my entire life savings that nobody in history has done what NYnative is suggesting. I know all about marriage and money issues. My first marriage dissolved almost solely due to disagreements about money and lifestyle expectations (and the in-laws were a factor - they constantly told thei...
by NYnative
Mon Apr 09, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15874

Re: Parents have zero savings. What can I do?

Think of it this way - if you were stranded in a lifeboat with your wife and your mother, which one would you toss overboard when you start to run out of food and water? Your wife, of course. You can always get another wife, but you can't get another mother. This is a very old analogy, but, if you ...
by NYnative
Mon Apr 09, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15874

Re: Parents have zero savings. What can I do?

Because it is downright creepy; that it is one of the weirdest statements I have heard on this forum. Honestly, if it was up to me, we wouldn't help her parents at all. Among many stories, while living with us (and providing $0 in assistance with rent/utilities/good) MIL refused to watch our kids ev...
by NYnative
Mon Apr 09, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15874

Re: Parents have zero savings. What can I do?

BTW, the only excuses for not knowing about your future in laws general financial situation is either getting married at a very early age or not having the guts to do some digging. This is the is the internet age. You can find a lot of information about most people with a few hours of research. As ...
by NYnative
Mon Apr 09, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15874

Re: Parents have zero savings. What can I do?

The problem is that advice on this board comes with lack of knowledge of the true situation, a total non-participatory bias (meaning that whatever you say may be great for other people, but doesn't apply to you) and no further input from the OP. I have seen lots of comments about in laws, other rela...
by NYnative
Sun Apr 08, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15874

Re: Parents have zero savings. What can I do?

Not everyone comes from a family with the income or savings to afford to send their kids to good colleges, yet they do. They incur tremendous debt to do this, and it effects their ability to save for the rest of their lives. They may also be blue collar laborers who never earned a high income and wh...
by NYnative
Sat Apr 07, 2018 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15874

Re: Parents have zero savings. What can I do?

Of course the number of assumptions is large. Each individual case is going to be different. I'm trying to believe that most people's parents are loving and responsible. If so, why does it seem that so many posters are looking for ways to avoid helping their parents if they truly need the help? Neit...
by NYnative
Sat Apr 07, 2018 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15874

Re: Parents have zero savings. What can I do?

We, in the US today, tend to treat parents far differently than in the last century and currently in most of the world. In the US, it was very common for 3 generations to live together and this happens in many countries today. When my grandparents became unable to care for themselves, they moved in ...
by NYnative
Sat Apr 07, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 14110

Re: Ivy school education. Is it worth it?

Simple answer for me is - if someone else is paying for it or you have a free ride, then yes, go Ivy. If your parents or you have to mortgage your future, then no, go someplace you can afford. I did my undergraduate work at the City College of NY when it was free. Grad work at GWU paid for by the GI...
by NYnative
Wed Aug 02, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card that lists running balance online
Replies: 17
Views: 2380

Re: Credit Card that lists running balance online

Statement balance is only given at the time of monthly billing. What you get between statement balances is a running balance. And I just looked at my credit union site. It gives the date of the charge, the date the charge is posted, the identity of the charge (not what you bought, but just the perso...
by NYnative
Wed Aug 02, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card that lists running balance online
Replies: 17
Views: 2380

Re: Credit Card that lists running balance online

When you say "running balance" I'm assuming that you are saying the web site or app should list transactions and then a total of the transactions for the current billing period. Or do you mean for a year or forever? All the credit cards i have list the transactions chronologically from most current ...
by NYnative
Wed Aug 02, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Barcelona Hotel Recommendations
Replies: 30
Views: 2986

Re: Barcelona Hotel Recommendations

We have stayed in several hotels in Barcelona. El Palace Barcelona, Gran Via de les Corts Catalanes 668, 08010 Barcelona, Spain P: (+34-93) 510-11-30 is well located and has comfortable rooms. It's centrally located and you can walk to just about everything. For longer trips, taxis are cheap. We hav...
by NYnative
Sun Jul 30, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 7522

Re: TSA Pre-check for free

Ever watch Person of Interest :twisted: ?
by NYnative
Sat Jul 29, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 7522

Re: TSA Pre-check for free

Not sure how that would allow you to avoid the long lines. It might be faster than actually handing over your passport, but how would you avoid the mobs of people at the checkpoint. With Global Entry, you have a completely separate area with far fewer people and fast machines. We have yet to wait fo...
by NYnative
Sat Jul 29, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 7522

Re: TSA Pre-check for free

TSA Pre check is included in the price of Global Entry, which is why you get it all the time now :D .
by NYnative
Fri Jul 28, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 7522

Re: TSA Pre-check for free

We fly on several different airlines, depending on the destination. There are several credit cards that include free Global Entry (they refund your fee), which also includes Pre Check. Depending on how often you fly out of the US, it's a much better deal to go with Global Entry for a few buck more t...
by NYnative
Thu Apr 06, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: When to enroll in Medicare?
Replies: 17
Views: 1902

Re: When to enroll in Medicare?

[Response to removed posts - admin LadyGeek]

Final post on this thread. The word you are looking for is hijacking. That does not include correcting erroneous information which you posted. But I suppose you will post on this again as you hate to be corrected.
by NYnative
Thu Apr 06, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: When to enroll in Medicare?
Replies: 17
Views: 1902

Re: When to enroll in Medicare?

Here is what you posted: "If you apply for and start receiving SS benefits before age 65, Medicare enrollment is automatic and mandatory at age 65. When you apply for and receive SS benefits on or after age 65, Medicare enrollment is automatic and mandatory at that time." The words "is mandatory" ap...
by NYnative
Thu Apr 06, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: When to enroll in Medicare?
Replies: 17
Views: 1902

Re: When to enroll in Medicare?

OK, Spirit Rider, now you've gone from Medicare Parts A and B enrollment is mandatory if you are taking SS, to its really only Part A that's mandatory. Which happens to be free, so for most people there is no reason to opt out. You need to be careful when making absolute statements of what can and c...
by NYnative
Thu Apr 06, 2017 2:20 am
Forum: Personal Finance (Not Investing)
Topic: When to enroll in Medicare?
Replies: 17
Views: 1902

Re: When to enroll in Medicare?

Medicare enrollment isn't mandatory regardless of whether or not you have SS. Medicare is a strictly voluntary program. You can decline it, drop out of it, or join it. Penalties may apply if you join later than when you are first eligible or drop out and then rejoin. But it isn't mandatory for anyon...
by NYnative
Sun Jan 08, 2017 11:28 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 6697

Re: No Vanguard Customer Support on weekends

I have accounts with Vanguard and T Rowe Price, as well as direct accounts with several small mutual fund companies that only sell their own products (i.e. Dodge and Cox). I have never used a full service or discount brokerage. Phone support was very important prior to about 2000 and then the intern...
by NYnative
Sun Sep 20, 2015 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Out of I-bond emergency fund and into .... what?
Replies: 22
Views: 3196

Re: Out of I-bond emergency fund and into .... what?

friar1610 wrote:
NYnative wrote:
By 2020, the oldest ones will start having to be cashed as they stop earning interest after 20 years and taxes become due whether you cash them or not. .
That's 30 years, right?
Yes, sorry, thinking about H bonds which are no longer available.
by NYnative
Sun Sep 20, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Out of I-bond emergency fund and into .... what?
Replies: 22
Views: 3196

Re: Out of I-bond emergency fund and into .... what?

I bonds are a great investment?? Yes, if you purchased them 10, 12, 14 years ago. New ones now yield 0% fixed and -0.80% inflation. Why on earth would anyone buy I bonds now? I still have a bunch from the good old days yielding 4.91%, but that will drop with no inflation. I've sold all the ones I p...
by NYnative
Sat Sep 19, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Out of I-bond emergency fund and into .... what?
Replies: 22
Views: 3196

Re: Out of I-bond emergency fund and into .... what?

I bonds are a great investment?? Yes, if you purchased them 10, 12, 14 years ago. New ones now yield 0% fixed and -0.80% inflation. Why on earth would anyone buy I bonds now? I still have a bunch from the good old days yielding 4.91%, but that will drop with no inflation. I've sold all the ones I pu...
by NYnative
Sun Sep 13, 2015 4:04 pm
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 407
Views: 71774

Re: Do you think Ric Edelman is correct, never pay down mortgage

It really depends where you are in your life and how much you make, what you need cash for and your need for security. I'm fully retired, house is paid for and we are doing OK. But I often get the feeling that we are sitting of a very large pile of investable cash that we will never use or see (unle...
by NYnative
Mon Jul 27, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: Low mileage oil change
Replies: 37
Views: 19800

Re: Low mileage oil change

On the newest car (2010) with about 70K miles on it, I use synthetic oil and change it at about 8K miles, which takes about 7 months as it's our long distance vehicle. The 2004, which my wife drives, is local use only and has right at 20K miles. It gets regular oil and is changed once a year at insp...
by NYnative
Wed Jul 15, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 10385

Re: I tipped 15% and got a dirty look

Absolutely - the fancier and more expensive the restaurant, the higher the tips. That doesn't mean those who work in cheaper restaurants should get lesser percentage tips. Buffets and self serve are something else, but that's not the issue here. Yeah, you work hard for your money, but so do wait sta...
by NYnative
Wed Jul 15, 2015 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 10385

Re: I tipped 15% and got a dirty look

I waited tables for 3 summers while in college - many, many years ago. 15% was the standard tip and most customers tipped that amount or a bit more. Some a lot more, as they had kids my age and treated me like the would their own kid. Being a late teenager and in my very early 20's, I considered it ...
by NYnative
Tue Jul 14, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Good Mortgage Companies?
Replies: 21
Views: 3919

Re: Good Mortgage Companies?

Gotta say that I hated every mortgage company I had until I started using NFCU and PFCU. I had mortgages sold multiple times, with the transactions completely messed up, escrows misplaced, communicating with the new company as well as countless other issues. I'm sure other decent companies exist, bu...
by NYnative
Tue Jul 14, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Good Mortgage Companies?
Replies: 21
Views: 3919

Re: Good Mortgage Companies?

I stand corrected on NFCU. They have apparently changed their policy. When I took out a mortgage with them many years ago, they clearly stated they did not sell their loans. Times have changed. However, as far as I know, they, same as PFCU, will always service loans they issue, even if they sell the...
by NYnative
Mon Jul 13, 2015 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Good Mortgage Companies?
Replies: 21
Views: 3919

Re: Good Mortgage Companies?

Navy Federal Credit Union, if you are eligible to join, has very good rates, no hassle service and never sells its loans. Pentagon Federal Credit Union, which you can join if you become a member of a number of military related groups, or, for anyone, join the National Military Family Association for...
by NYnative
Wed Jun 10, 2015 9:06 am
Forum: Personal Consumer Issues
Topic: Social Security: "file and suspend" ?
Replies: 17
Views: 2439

Re: Social Security: "file and suspend" ?

Thanks, Peter. Makes perfect sense. Just making sure I understood the rules fully.