Search found 493 matches

by MDfan
Mon Nov 02, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: Sorority forcing signing updated live-in agreement
Replies: 21
Views: 3033

Re: Sorority forcing signing updated live-in agreement

Had similar issue with my daughter's sorority in Tennessee, but we had already signed a lease for an off-campus apartment so she was able to get out of it. They told a bunch of the girls back in the summer that they had to live in the house. We just said no and showed them the lease.
by MDfan
Sat Oct 31, 2020 8:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6226
Views: 1420962

Re: What Movie Have You Recently Watched?

stoptothink wrote: Wed Oct 21, 2020 8:22 am Watched "Knives Out" with the wife last night. She liked it, I thought it was silly, unrealistic, and contrived (which was likely the point). It was OK, but not my cup of tea.
Knives Out was a really good, fun movie.
by MDfan
Sat Oct 31, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: Home Printer/Scanner
Replies: 33
Views: 1605

Re: Home Printer/Scanner

Had a Brother all-in-one color printer for about 5 years. Black ink stopped working. Just bought a Brother monochrome laser (don't need color) printer/scanner/copier.
by MDfan
Sat Oct 31, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: I just bought a Peloton - Love it!
Replies: 92
Views: 8132

Re: I just bought a Peloton - Love it!

My wife is thinking of buying one. I understand that almost everybody loves it for the initial few months. Can anybody who has owned it for >1 year chime in. Most costly exercise equipment is unused by its first anniversary. That is not true for OLED TV. I had mine for about two years. I started ha...
by MDfan
Fri Oct 30, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase LTC insurance at age 40?
Replies: 56
Views: 4280

Re: Should we purchase LTC insurance at age 40?

Thanks. At what age did you purchase your plans? I was 59. My wife was 58. By "federal plan" I meant the LCTFEDS plan for federal employees. I have a number of friends who dropped their coverage when they were hit with a 90% or more rate increase 5 or so years ago. Thanks. Never heard of ...
by MDfan
Fri Oct 30, 2020 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase LTC insurance at age 40?
Replies: 56
Views: 4280

Re: Should we purchase LTC insurance at age 40?

Thanks for your comments. I understand what you're saying and it makes sense. When we got the policy, we reviewed many different types of policies with a LTC broker and that's the one that fit into our budget. I'm not sure there would be more "sufficient" policies for us but I'm certainly...
by MDfan
Thu Oct 29, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 25969

Re: Long time retirees: any regrets?

10 years for me too. I enjoyed my work and sometimes miss it. Then I think of all the organization politics, pressure, long hours and BS I had to deal with and I am very thankful to be retired. I retired at age 66. I wish I had retired a few years earlier. I planned to play a lot of golf. I played ...
by MDfan
Thu Oct 29, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase LTC insurance at age 40?
Replies: 56
Views: 4280

Re: Should we purchase LTC insurance at age 40?

I don't know. But, honestly, the policy we had (i think it paid $150/day with a max of three years) would probably not be sufficient if it happened tomorrow. We're pretty comfortable taking the risk that it won't happen tomorrow or any time soon. It's not like we didn't put a lot of thought into th...
by MDfan
Thu Oct 29, 2020 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase LTC insurance at age 40?
Replies: 56
Views: 4280

Re: Should we purchase LTC insurance at age 40?

I don't know. But, honestly, the policy we had (i think it paid $150/day with a max of three years) would probably not be sufficient if it happened tomorrow. We're pretty comfortable taking the risk that it won't happen tomorrow or any time soon. It's not like we didn't put a lot of thought into thi...
by MDfan
Thu Oct 29, 2020 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase LTC insurance at age 40?
Replies: 56
Views: 4280

Re: Should we purchase LTC insurance at age 40?

There are 2 points where LTCI is not practicable. A poor person should not buy LTCI. A rich person does not need LTCI. poor person Clarify: A person who's life style is strongly affected by paying the LTCI premiums should not buy LTCI. What do you consider "rich" for purposes of not needi...
by MDfan
Thu Oct 29, 2020 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase LTC insurance at age 40?
Replies: 56
Views: 4280

Re: Should we purchase LTC insurance at age 40?

Not sure of your point. I've read multiple times that there's a point (level of assets) at which LTC insurance doesn't really make sense. I think our FA is saying that we are at (or close to) that point. That was exactly my point. What is that level of assets in your case? About $3 million at ages ...
by MDfan
Wed Oct 28, 2020 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase LTC insurance at age 40?
Replies: 56
Views: 4280

Re: Should we purchase LTC insurance at age 40?

Not sure of your point. I've read multiple times that there's a point (level of assets) at which LTC insurance doesn't really make sense. I think our FA is saying that we are at (or close to) that point. That was exactly my point. What is that level of assets in your case? About $3 million at ages ...
by MDfan
Tue Oct 27, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6226
Views: 1420962

Re: What Movie Have You Recently Watched?

madbrain wrote: Mon Oct 26, 2020 8:17 pm Borat Subsequent Movie film on Amazon Prime. Highly recommend it.
Loved the 2nd one as much as the first one.
by MDfan
Tue Oct 27, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase LTC insurance at age 40?
Replies: 56
Views: 4280

Re: Should we purchase LTC insurance at age 40?

I won't advise what you should do. However, I won't purchase LTC insurance. I don't trust insurance companies now and certainly not what they promise to do in the future. I prefer to save money by using high deductibles, insuring only against catastrophe and self insuring, which I'll also do for lo...
by MDfan
Tue Oct 27, 2020 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase LTC insurance at age 40?
Replies: 56
Views: 4280

Re: Should we purchase LTC insurance at age 40?

I won't advise what you should do. However, I won't purchase LTC insurance. I don't trust insurance companies now and certainly not what they promise to do in the future. I prefer to save money by using high deductibles, insuring only against catastrophe and self insuring, which I'll also do for lo...
by MDfan
Tue Oct 27, 2020 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Should we purchase LTC insurance at age 40?
Replies: 56
Views: 4280

Re: Should we purchase LTC insurance at age 40?

I won't advise what you should do. However, I won't purchase LTC insurance. I don't trust insurance companies now and certainly not what they promise to do in the future. I prefer to save money by using high deductibles, insuring only against catastrophe and self insuring, which I'll also do for lo...
by MDfan
Tue Oct 27, 2020 6:43 am
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella: Significant Increase in Premium
Replies: 84
Views: 9392

Re: GEICO Umbrella: Significant Increase in Premium

OnTrack2020 wrote: Tue Oct 27, 2020 5:54 am We pay a ridiculous amount for umbrella--over $800 for $1M. I should add we do have young adult/teen drivers. I don't know if we can get it any lower.
We pay $523 for $1m. No teen drivers, but two older kids on policy - 20 and 26.
by MDfan
Fri Oct 23, 2020 8:32 pm
Forum: Personal Investments
Topic: Going “all in” on paying mortgage
Replies: 178
Views: 14603

Re: Going “all in” on paying mortgage

We've had our mortgage since 1993 and have used the equity to do home repair projects, pay for college, and pay off student loans. We still owe more than when we started, but our rate now is 2.6% (15 years). I have no plans to pay it off even a month early and I'll probably be in my early 70s when I...
by MDfan
Tue Oct 20, 2020 8:13 pm
Forum: Personal Investments
Topic: How much do you allocate to international equity?
Replies: 133
Views: 8933

Re: How much do you allocate to international equity?

I think I have about 10% in the TSP I Fund.
by MDfan
Sun Oct 18, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 234
Views: 13935

Re: Which diet soda pop do you enjoy?

El Greco wrote: Thu Aug 02, 2018 5:50 pm Diet Pepsi. I think Diet Coke tastes awful.
I'm the exact opposite. I rarely drink soda anymore, but I've always thought Pepsi products were the worst.
by MDfan
Sat Oct 17, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 40950

Re: Items that are worth the money for the quality

Filson. All-Clad pots & good cast iron. Good shoes. Apple MacBook Pro Definitely not. You can get the same performance, in terms of graphics card, processor, and RAM, cheaper in a Windows machine. Yes but you’re assuming you are just paying for the hardware, and not the better software, ease of...
by MDfan
Sat Oct 17, 2020 6:55 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2491
Views: 254369

Re: [What TV Show Have You Recently Watched?]

FYI - Word on the internet suggests Dexter is coming back for Season 9 on Showtime. Unless they can pull a miracle, and put it on Netflix or Amazon Prime, I think I'll pass. The last season was just a dream, now we're going to end it correctly? Maybe the worst finale for a show I've ever seen.
by MDfan
Sun Oct 11, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: Election calls
Replies: 30
Views: 2219

Re: Election calls

I have not been answering unrecognized calls on my mobile phone for years (no land line phone). I have not missed anything important yet. Doctor offices and other legitimate businesses will leave a voice mail message. When I call back within a few seconds they expect it, so I expect many people are...
by MDfan
Thu Oct 08, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: Flying during the pandemic
Replies: 94
Views: 5796

Re: Flying during the pandemic

My daughter just flew on American and the plane was full.
by MDfan
Thu Oct 01, 2020 5:50 am
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 2935

Re: Help with YouTube TV buffering issue

There is a Speedtest app you can install on the AppleTV. What are the results of that test (including ping jitter and loss?) How are you connected - wifi or Ethernet? If wifi, what kind of access point and how far between it and the ATV? We have Fios 200 mbps (router in bedroom in basement) and we ...
by MDfan
Tue Sep 29, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Hilton Head recommendation
Replies: 11
Views: 1408

Re: Hilton Head recommendation

Headed there next week and staying in Palmetto Dunes. Renting 5 BR house with pool/hot tub and 5-minute walk to beach for about $3k. Palmetto Dunes has 3 golf courses (pricey) but there are many courses with 15 minutes of Hilton Head that are very nice and very affordable ($40-60).
by MDfan
Mon Sep 28, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Separate router vs built-in
Replies: 12
Views: 1013

Re: Separate router vs built-in

My equipment was fried by a lightning strike a few months ago. I had a modem and separate router. Switched to one unit modem/router combo. Takes up less space, works fine for my small home. I still have the ability to dial in security settings to my liking. I would recommend the modem / router comb...
by MDfan
Mon Sep 28, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6226
Views: 1420962

Re: What Movie Have You Recently Watched?

bighatnohorse wrote: Sun Sep 27, 2020 10:14 pm the Peanut butter Falcon. Fascinating, emotional, adventure, different.
Really good movie.
by MDfan
Sun Sep 27, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: How to approach kid’s middle school / high school / college decisions?
Replies: 68
Views: 6236

Re: How to approach kid’s middle school / high school / college decisions?

OP - My two kids (late 20s) went to average public schools, good but not great state colleges, got STEM degrees and had good paying jobs in their field right after graduation. My advice - school is important but don’t over think it. What is way more important is that you continue to be involved and...
by MDfan
Sun Sep 27, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2491
Views: 254369

Re: [What TV Show Have You Recently Watched?]

Wanted to watch something funny and light hearted. DW started watching "Shichts Creek" . OMG, this show is funny, witty and well done. While it is Adult content, it contains no nudity, violence or vulgar language (don't get me wrong, I have no issue with this type of entertainment and oft...
by MDfan
Sun Sep 27, 2020 9:02 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2491
Views: 254369

Re: [What TV Show Have You Recently Watched?]

I thoroughly enjoyed "Ratched" the Netflix (prequel) series (8 episodes) based on the nurse character from "One Flew Over the Cuckoo's Nest" was was just released on Fridahy November 18. Initially set in 1947 it has a "Mad Men" look in terms of capturing the period but...
by MDfan
Fri Sep 25, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2491
Views: 254369

Re: [What TV Show Have You Recently Watched?]

Just finished the Netflix documentary series on the Challenger shuttle disaster. Very sad, very frustrating and very informative (at least for me since I didn't know the whole story).
by MDfan
Fri Sep 25, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 96
Views: 5665

Re: What can I expect from new golf clubs

A 300 yard carry on level ground is pro length if that was measured accurately :-) Yes, I was carrying them in the 280-300 range when getting fitted for my new clubs. It was amazing. I couldn't even get that on rollout with my old driver. Accuracy is a different story. (I am not a good golfer and d...
by MDfan
Thu Sep 24, 2020 11:18 am
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 96
Views: 5665

Re: What can I expect from new golf clubs

I have played golf off and on my whole life and have been using the same clubs for 20+ years. I just went to a custom clubfitter and ended up with a set up custom Callaway Mavrik clubs. The total cost was around $2300. The difference is phenomenal. I am hitting each club at least 20 yards longer an...
by MDfan
Thu Sep 24, 2020 5:30 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 259
Views: 17423

Re: What is the single best piece of exercise equipment you bought for your home?

Getting close to pulling the trigger on a Hydrow (although I may wait until Black Friday since they were $1k off last year). Any more thoughts or advice? Yes, I know it's pricey but we can afford it and I figured a rower takes care of both the cardio and strength part. And, yes, I also considered t...
by MDfan
Tue Sep 22, 2020 12:06 pm
Forum: Personal Consumer Issues
Topic: Your recent experience of visiting a dentist
Replies: 63
Views: 4440

Re: Your recent experience of visiting a dentist

I got an implant back in August and visited the oral surgeon/periodontist about 3 times. I have been to my regular dentist a few times since March. Also, I go to my chiropractor monthly. Have not felt unsafe at all. But other than not eating in restaurants and working FT from home, I haven't really...
by MDfan
Mon Sep 21, 2020 9:05 pm
Forum: Personal Consumer Issues
Topic: Your recent experience of visiting a dentist
Replies: 63
Views: 4440

Re: Your recent experience of visiting a dentist

I got an implant back in August and visited the oral surgeon/periodontist about 3 times. I have been to my regular dentist a few times since March. Also, I go to my chiropractor monthly. Have not felt unsafe at all. But other than not eating in restaurants and working FT from home, I haven't really ...
by MDfan
Wed Sep 16, 2020 8:23 am
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14193

Re: Is this guy trying to scam me on a car I'm selling?

TheLaughingCow wrote: Tue Sep 15, 2020 7:31 pm 1) strange wording in the messages

2) convoluted story

3) out of state bank

4) paying by check, even when you requested cash

5) no price negotiation or questions about the car

There's a 95% chance it's a scam.

That's what I think, too. I'd run.
by MDfan
Sun Sep 13, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: Best Streaming Service
Replies: 24
Views: 2271

Re: Best Streaming Service

I assume he meant a streaming service like YTTV or Hulu Live. We switched to YTTV from FIOS a few months ago. While the picture on our basement TV (where our FIOS router is located) is good, the quality of the picture on the two upstairs TV, especially for live sports, is not as good as FIOS. Defini...
by MDfan
Sat Sep 12, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 167
Views: 14930

Re: Paying off sub 4% mortgage interest rate early

Just refinanced to a 15-year, 2.625% mortgage. Owe about $290k. Retiring next year. No plans to pay it off early but we'll probably sell the house within 5-7 years.
by MDfan
Fri Sep 11, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 259
Views: 17423

Re: What is the single best piece of exercise equipment you bought for your home?

Maybe. But I’m confident there will be something on Black Friday and I can wait.
by MDfan
Fri Sep 11, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 259
Views: 17423

Re: What is the single best piece of exercise equipment you bought for your home?

Getting close to pulling the trigger on a Hydrow (although I may wait until Black Friday since they were $1k off last year). Any more thoughts or advice? Yes, I know it's pricey but we can afford it and I figured a rower takes care of both the cardio and strength part. And, yes, I also considered th...
by MDfan
Fri Sep 11, 2020 5:55 am
Forum: Personal Consumer Issues
Topic: Teen Driver Addition to Insurance
Replies: 27
Views: 2057

Re: Teen Driver Addition to Insurance

We had 5 cars and 5 drivers. Along with about 4 minor accident/fender benders that were expensive enough to have to go through insurance. It was very painful for about 7 years. I think at one point, we were paying almost $9k per year. I switched insurance every year for those 7 years looking for the...
by MDfan
Thu Sep 10, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7580

Re: Cardio alternatives to treadmills?

Just bought a Sole recumbent bike and thinking of buying a Concept-2 Model D rower to complement it. Just got an email today telling me they are available and I have 48 hours to order or I have to get back in line. Anyone else have a Concept-2 that can give me any advice/opinions for home use? Seems...
by MDfan
Wed Sep 09, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6226
Views: 1420962

Re: What Movie Have You Recently Watched?

"Class Action Park" on HBO Max. Documentary about Action Park in northern New Jersey, which had several deaths and injuries over the years due to rides and operations that placed little emphasis on safety. That place was insane. Very interesting documentary. There's also a Johnny Knoxvill...
by MDfan
Mon Sep 07, 2020 6:59 am
Forum: Personal Consumer Issues
Topic: Dental Insurance
Replies: 36
Views: 2365

Re: Dental Insurance

In my experience, dental insurance has a maximum annual payment of $1500. So, when you really need it for something big, it does not help very much. I also find that our dentists are not part of the network. So, for example, if there is a procedure that costs $500, the insurance will allow $320 and...
by MDfan
Sat Sep 05, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 194
Views: 19374

Re: Just Ordered Peloton Bike

We have a peloton. Like somebody else said, it’s now an expensive clothes rack. Post it on Craigslist or OfferUp. Guarantee you can sell it for $1600 or more in a day or so. The resale market on these things is HOT, and was even before Corona hit. I find that I’m more consistent the easier the exer...
by MDfan
Thu Sep 03, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: Roku vs Amazon Firestick Content
Replies: 23
Views: 1829

Re: Roku vs Amazon Firestick Content

Neither have HBO Max, unfortunately. I have used both and think they are pretty similar in terms of content and user experience. Roku is of course more neutral, in terms of Amazon content being highlighted. I used a workaround I found on YouTube to get HBOMax on my Firesticks and my Amazon TV. Work...
by MDfan
Thu Sep 03, 2020 7:36 am
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7580

Re: Cardio alternatives to treadmills?

Go Blue 99 wrote: Wed Sep 02, 2020 9:56 pm We are likely going to buy a Sole elliptical soon. They have great reviews and it’s a low impact workout.
Just bought the Sole R92 recumbent bike.
by MDfan
Wed Sep 02, 2020 6:25 am
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7580

Re: Cardio alternatives to treadmills?

Another vote for elliptical and recumbent bike. We have both in our home gym in our summer home. Octane makes nice home ellipticals that don't need a lot of headroom. I've also used their derivative machines (lateral ellipticals, etc.) at our club and I'm not a fan. Have not used their recumbent el...