Search found 79 matches

by rterickson
Fri Dec 29, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Driver without insurance - NJ
Replies: 15
Views: 1201

Re: Driver without insurance - NJ

Auto insurance is per vehicle, not per driver. So if she drives your car occasionally, she is covered (per your agent).

If she has her own car in the state where she lives, she needs to insure it there.
by rterickson
Thu Dec 28, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare choices unclear while still employed
Replies: 7
Views: 450

Re: Medicare choices unclear while still employed

Does your employer require you to enroll in Medicare at 65? Typically when you are still working and have employer-provided health coverage,you don't need to sign up for Medicare until you lose that coverage (i.e. retire).
by rterickson
Tue Dec 19, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me understand the SS - WEP (Windfall Elim. Provision)
Replies: 5
Views: 495

Re: Please help me understand the SS - WEP (Windfall Elim. Provision)

The WEP only applies if you have a pension from a job where you did not pay into social security. In that case it reduces, but does not fully eliminate, your social security benefit. For 2017, the maximum WEP is $442.50 for someone who contributed to social security for 20 years or less. If you cont...
by rterickson
Thu Dec 14, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 2385

Re: Concert Decision and Advice

I live about 80 miles from Oakland, but inland, so the drive is ~90 minutes each way at that time of night. The Fox is a great place to see a show. Plenty of (paid) parking a short walk from the theatre. The venue seats 2800 - small enough that their aren't really any bad seats, and you'll be back a...
by rterickson
Thu Dec 07, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Does this make sense (457B)
Replies: 5
Views: 416

Re: Does this make sense (457B)

My employer pays for unused vacation and 30% of unused sick leave. It's common for outgoing retirees here to use these payments to max out their 457(b) and HSA accounts before taking any (taxable) cash payments.

For age 50+, the 457(b) contribution limit for 2018 is $24,500.
by rterickson
Thu Dec 07, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: House on the market less than a day. Did listing agent commit fraud?
Replies: 56
Views: 7107

Re: House on the market less than a day. Did listing agent commit fraud?

Our house (buyers) listed on a Thursday, we made an offer on Friday, and had it under contract on Monday.

The contractor who installed the 'for sale' sign showed up about a week later.
by rterickson
Wed Dec 06, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15599

Re: Do people still use AAA?

As it says on my card, 35+ years.
by rterickson
Tue Dec 05, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Suggested reading for Norwegian coast trip
Replies: 18
Views: 1042

Re: Suggested reading for Norwegian coast trip

Anything (actually everything) by Jo Nesbø.
by rterickson
Wed Nov 22, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Help:w holiday gift: Tv or cheap laptop to watch movies with these requirements
Replies: 14
Views: 703

Re: Help:w holiday gift: Tv or cheap laptop to watch movies with these requirements

A android tablet might be an option, and all of the video services you mention have free apps.
by rterickson
Thu Nov 09, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Benefits at 55
Replies: 7
Views: 1370

Re: Benefits at 55

At 55 you are eligible to contribute an additional $1000/year to an HSA.
by rterickson
Wed Nov 08, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Cellphone Battery
Replies: 14
Views: 1428

Re: Cellphone Battery

Personally I would And Have(for an S5) Purchase an Anker replacement battery https://www.amazon.com/Anker-2200mAh-Replacement-Battery-Samsung/dp/B00A44JSFK :happy Thank you for this. I have purchased supposedly-OEM Samsung batteries twice in the past from Amazon and Ebay, and neither worked properl...
by rterickson
Wed Nov 01, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone have an account with Charles Schwab?
Replies: 12
Views: 1568

Re: Does anyone have an account with Charles Schwab?

Schwab also has some good index funds with competitive ER's.
by rterickson
Wed Oct 18, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 46
Views: 5747

Re: Toilet Woes

When you push the flush lever and the flapper valve lifts, the water stored in the tank is directed to a hole in the bottom front of the bowl. This stream is directed straight back to push the waste out the back of the bowl toward the drain. At the same time, fresh water from the supply is forced th...
by rterickson
Fri Oct 13, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing: Appraisal Value Lowered During Underwriting
Replies: 14
Views: 1272

Re: Refinancing: Appraisal Value Lowered During Underwriting

I think the key issue may be "multiple negative findings".

I would try to find out what this is about.
by rterickson
Fri Oct 13, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 5132

Re: Sonoma in October

Sixty I am going to give away a local secret. There are great wines in El Dorado county around Plymouth. This is way over east of Sacremento. They do great old vine zinfidels and other reds. Places like Sobon, Terra d'oro, Shenendoah, and others. Then drive up to Apple Hill and pick apples off the ...
by rterickson
Tue Oct 10, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 57
Views: 5172

Re: WiFi

Updated to Google WiFi early in the summer. 3 nodes. So far it has exceeded my expectations. Quite easy to set up. We have a node on each floor and I spaced them out for maximum coverage. Speed has been very good. I haven't had to reboot the Google router once. But I did have to reboot the cable mo...
by rterickson
Fri Sep 08, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Married, owning two homes, file as HOH?
Replies: 43
Views: 2598

Re: Married, owning two homes, file as HOH?

You could always look on the bright side.

In 1986 the top tax rate was 50%.
In 1981 the top tax rate was 70%.
In 1963 the top tax rate was 91%.
by rterickson
Wed Aug 30, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5916

Re: Coyote Defense

Carrying a golf club will get you fewer funny looks than a baseball bat.
by rterickson
Thu Jul 27, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 3031

Re: Where to move? New job, considering Nevada...

hicabob wrote: Carson City would seem to be a possibility. Not too fancy but Reno access w/out actually being in Reno?
Minden is also quite nice.
by rterickson
Thu Jul 27, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 4551

Re: WiFi Thermostat?

I have had the Nest for over 5 years and am happy with it.

I really like being able to log in to my account and program it from a web browser while sitting at my computer, rather than fumbling through the instruction book trying to remember how the program functions work.
by rterickson
Wed Jul 19, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 13981

Re: Books not to read.

I wish I could get back the time it took me to read "House of Leaves".
by rterickson
Wed Jul 12, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 17308

Re: Costco with a "gentle" bump for membership

After her enthusiasm for 24-packs of jumbo blueberry muffins and 100-pc sushi platters wore off, my wife realized that we didn't shop at Costco enough to make the membership fee pay off for us and let our account lapse several years ago. But I still get their emails, and once or twice a year I still...
by rterickson
Thu Jun 29, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Name change possibly not recorded - what to do
Replies: 4
Views: 727

Re: Name change possibly not recorded - what to do

If you have a local office nearby, I would make an InfoPass appointment and try to speak with a real person.
by rterickson
Thu Jun 08, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 8630

Re: AAA Cost

$137 for Plus membership for two drivers, Northern California. For some reason I'm kind of proud of the 35+ years designation on the corner of the card.

The biggest side benefit to me is that they can do a number of DMV services, and their line doesn't go out the door.
by rterickson
Wed May 31, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 5087

Re: Mexican Pacific Beaches

misterno wrote:
what is ennui?
French for boredom.
by rterickson
Wed May 24, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: How do I transfer property from mother-in-law to wife and I?
Replies: 21
Views: 2307

Re: How do I transfer property from mother-in-law to wife and I?

Since it's in Arizona, I would look into a 'beneficiary deed'.
by rterickson
Wed May 24, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Rewiring a knob and tube house
Replies: 15
Views: 2164

Re: Rewiring a knob and tube house

Argus714 wrote:
I would recommend hiring a reputable licensed electrician and not someone on the side. Have them pull a building permit, because it will need to be inspected during and after the upgrade.

.
+1
by rterickson
Wed May 10, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 6975

Re: What newspaper or magazine do you pay for?

Washington Post (digital)
Local Paper (Sunday + digital)
Slate Plus (digital)
Alfred Hitchcock's Mystery Magazine (30+ year subscriber)
by rterickson
Tue May 02, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Buying a diamond ring
Replies: 57
Views: 4413

Re: Buying a diamond ring

+1 for Blue Nile.
by rterickson
Fri Apr 28, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Home Warranty
Replies: 12
Views: 1365

Re: Home Warranty

I would take some active steps to cancel.

I decided not to renew my warranty with AHS last year and just ignored it.

They sent it to collections.
by rterickson
Wed Mar 01, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 4910

Re: Grass trimmer

Whatever you choose, make sure you get the type that has a belt or harness that lets you support the weight of the trimmer at your waist.

I have a (relatively) cheap Toro cordless trimmer that you support entirely with your upper body, and it's pretty hard on your back after just a few minutes.
by rterickson
Thu Nov 10, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: Buy e-book, lend to foreign user. How?
Replies: 6
Views: 796

Re: Buy e-book, lend to foreign user. How?

First, find out how your friend obtains content for the Kindle. As far as I know, Amazon doesn’t operate in Russia yet. It may well be that he/she can only get access to public domain or pdf format e-books. If your friend does have access to the Kindle store, find out if the title you want to share ...
by rterickson
Wed Aug 31, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 6170

Re: Eating Healthy/Meals for One

The late film critic Roger Ebert wrote a whole book about cooking for one with a rice cooker. I haven’t read the whole thing, but there is a humorous synopsis on his website: http://www.rogerebert.com/rogers-journa ... -to-use-it
by rterickson
Tue Apr 12, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: Best crash course in Spanish?
Replies: 32
Views: 4068

Re: Best crash course in Spanish?

Another fan of 'News in Slow Spanish'.

They have a station on the TuneIn Radio app.
by rterickson
Fri Apr 01, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord requiring copies of SSN
Replies: 73
Views: 7264

Re: Landlord requiring copies of SSN

I would never consider renting to a prospective tenant (or adding one to a lease) without running a credit check. As far as I know, the SSN is required to do that.
by rterickson
Thu Feb 25, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer, Required to accept health benefit
Replies: 24
Views: 3138

Re: Job Offer, Required to accept health benefit

My wife is a teacher whose union negotiates health insurance at the district level and she is not permitted to opt out of health insurance. Her choices range from a zero-copay low deductible plan for $1400 per month to a 30% copay, $5000 deductible, no-dental, no-vision, self-only policy for $70 per...
by rterickson
Wed Jan 20, 2016 4:30 pm
Forum: Personal Consumer Issues
Topic: Construction bond questions
Replies: 2
Views: 384

Re: Construction bond questions

A construction bond is a promise from the contractor to the property owner that the project will be completed. If the contractor defaults on his bond, the owner will receive the proceeds and can afford to pay some other contractor to finish the job. The contract is between the contractor and the own...
by rterickson
Wed Jan 06, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 285
Views: 32454

Re: Netflix, Your Current Favorite Show

GerryL wrote: Season 7 of Doc Martin us just now becoming available on PBS. It started airing here in Oregon this past week. May take up to a year before 7 shows up on Netflix, if past performance is anything to go by.


Season 7 has been available on Acorn TV since October.
by rterickson
Mon Dec 28, 2015 2:11 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 216078

Re: TV show recommendations?

abuss368 wrote:We are watching "Orange is the New Black" and also "Prison Break" on Netflix and are enjoying both.


If you like OITNB, I would recommend checking out the Australian women's prison drama "Wentworth". Netflix just released Season 3.
by rterickson
Fri Dec 04, 2015 6:25 pm
Forum: Investing - Theory, News & General
Topic: HSA rules dilemma
Replies: 14
Views: 2665

Re: HSA rules dilemma

So unreimbursed qualified expenses while a dependent (0-25) could be reimbursed decades later even if the dependent was never covered by a HDHP. While the ACA allows children up to age 26 to be covered by the parents' policy, HSA eligibility follows the (older) tax-dependent IRS rules. The adult ch...
by rterickson
Thu Dec 03, 2015 6:02 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 216078

Re: TV show recommendations?

DDMP20 wrote:Do they ever broadcast Twin Peaks on any stations today? I know you can get it on DVD.

It was a great show.


It was still available on Netflix streaming as of last Sunday. Really looking forward to the Showtime sequel (now scheduled for 2017).
by rterickson
Tue Dec 01, 2015 6:39 pm
Forum: Personal Consumer Issues
Topic: Epson ET 2550-Eco Tank Printer
Replies: 1
Views: 651

Re: Epson ET 2550-Eco Tank Printer

They have been hawking these aggressively on the radio lately. My sense is that this printer is more expensive than models with similar features, but they make up for it in reduced ink costs. Print quality is good, but on the slow side. Here is a review: http://www.pcmag.com/article2/0,2817,2493477,...
by rterickson
Tue Nov 24, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: Beer Growler, how long will it keep unopend?
Replies: 16
Views: 2659

Re: Beer Growler, how long will it keep unopend?

If they use the tube to fill it gently from the bottom up, it will last several days as noted by most.

However, if they just hold it under the tap and fill like a pint glass it will introduce oxygen and the storage life will be greatly reduced.
by rterickson
Thu Nov 12, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: What to do to Skype?
Replies: 21
Views: 2862

Re: What to do to Skype?

But I am not sure re usage costs, credits, toll free, etc. Can someone explain? The software (download) for Skype is free, and all you need to do is sign up with a (free) user account. Skype video and voice calls between users are free to anywhere in the world. If you want to use Skype to call a ce...
by rterickson
Thu Nov 05, 2015 5:51 pm
Forum: Personal Consumer Issues
Topic: Anyone know of a quality electric razor?
Replies: 18
Views: 2378

Re: Anyone know of a quality electric razor?

My current razor is Remington and gets the job done but takes a little too long. I just replaced the heads on my Norelco and it is like a whole different razor. I had the same problem, good shave, but it took forever. How often do you recommend replacing the heads? I used an electric razor for year...
by rterickson
Thu Nov 05, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: Anyone know of a quality electric razor?
Replies: 18
Views: 2378

Re: Anyone know of a quality electric razor?

nitro4214 wrote:My current razor is Remington and gets the job done but takes a little too long.



I just replaced the heads on my Norelco and it is like a whole different razor. I had the same problem, good shave, but it took forever.
by rterickson
Thu Oct 29, 2015 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ever have a job where your responsibilities increased after co-workers were fired?
Replies: 27
Views: 3321

Re: Ever have a job where your responsibilities increased after co-workers were fired?

nitro4214 wrote: Isn't it a bad thing to accept a counter offer?


No, sometimes that's the only way they're going to offer you more pay.

It would be bad to accept a new job, then accept a counter at your current employer, and have to go back and back out of the first one.
by rterickson
Wed Oct 28, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: whole life pitched as way to pay for kids college
Replies: 67
Views: 9140

Re: whole life pitched as way to pay for kids college

So so appreciative of all the replies. Really like the gritty financial numbers (those don't lie) posted by emergdoc and appreciate the time he and all put into running the numbers. Agree with all who said something along the lines of "if you don't get it, don't put $ into it". And I don'...
by rterickson
Tue Oct 06, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Need homeowners insurance for vacant home. Any suggestions?
Replies: 14
Views: 1210

Re: Need homeowners insurance for vacant home. Any suggestions?

Have you considering renting it out on a month-to-month lease at considerably below market value? Do you have any friends, family, know any students that could benefit from a low cost rental for a short term?