Search found 41 matches

by BoomerM3
Tue Apr 06, 2021 2:18 pm
Forum: Personal Consumer Issues
Topic: Thoughts on HOA Board Membership?
Replies: 31
Views: 2695

Re: Thoughts on HOA Board Membership?

I would urge you not to serve on the Board. Seems like you should/could make a difference. The odds are you won't. You will get embroiled it trivial things. I served on our Board (100 homes) for 4 years as Treasurer. If you want to get involved, try doing it from the outside. The best thing for you ...
by BoomerM3
Fri Feb 19, 2021 6:51 pm
Forum: Investing - Theory, News & General
Topic: Compute interest on a value changing investment
Replies: 4
Views: 286

Compute interest on a value changing investment

Suppose I bought a stock for $100 and it paid an annual dividend of $5.00. That means I’m getting interest at 5%. What if that stock increased in value to $200 and the dividend remained at $5.00. Is my true interest rate still 5% (because my original investment was $100)? Or is my interest rate now ...
by BoomerM3
Thu Feb 11, 2021 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 54
Views: 12760

Re: Fidelity "FidSafe" Free online - Need improvement

I’m re-activating this thread since it gets reviewed from time to time. The thread started in 2016. I have been using FidSafe since 2017. Fidsafe has been my repository for most important financial documents. I have tested its use with my dependents and have seen it work. I am comfortable with the s...
by BoomerM3
Tue Feb 09, 2021 4:08 pm
Forum: Personal Consumer Issues
Topic: Cross Country Move IL to FL - Hiring American Van Lines- Need supplemental insurance for full replacement value of goods
Replies: 12
Views: 902

Re: Should I Purchase 3rd Party Ins Policy for Cross Country Move?

Over the years, I have moved nearly 20 times. Maybe once, I had no damage. One move, the operator opened the van and my refrigerator fell to the ground. Absolutely, get total coverage, replacement value. Check with your homeowners insurance and see if they will issue a rider. Better to have the comp...
by BoomerM3
Mon Feb 08, 2021 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Live Oak Bank 1099 INT
Replies: 9
Views: 424

Re: Live Oak Bank 1099 INT

No downloads available. I received mine USPS about 1/29/2021.

I've always had good service using their 800 number.
by BoomerM3
Mon Jan 18, 2021 10:48 am
Forum: Personal Consumer Issues
Topic: Microsoft Office - scanning?
Replies: 15
Views: 1337

Re: Microsoft Office - scanning?

+1 for NAPS2. Works with my Epson flat bed.
by BoomerM3
Fri Jan 08, 2021 10:39 am
Forum: Personal Consumer Issues
Topic: Wife needs hearing aids, cost concerns
Replies: 51
Views: 4032

Re: Wife needs hearing aids, cost concerns

Check Costco.
by BoomerM3
Thu Dec 31, 2020 10:55 am
Forum: Personal Investments
Topic: Has Anybody Used Fidelity's Symantec VIP 2-Factor Authentication?
Replies: 60
Views: 4751

Re: Has Anybody Used Fidelity's Symantec VIP 2-Factor Authentication?

Comments about VIP versus 2FA continue to indicate that the Symantec process is more secure. Perhaps someone can explain why. It seems that people fear that their phone (using SMS) will be stolen or hacked – therefore it is a risk. However, if your phone is stolen the Symantec runs just fine and wil...
by BoomerM3
Mon Dec 28, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house with flood risk?
Replies: 54
Views: 3283

Re: Buying a house with flood risk?

I live near the Gulf in Florida, on a canal. Floodfactor rates my location as 7/10. Haven't had a flood in the 20 years I've been here - including several hurricanes. So, if you live near water, floods are possible, regardless of the rating. I would not be living here if I did not have flood insuran...
by BoomerM3
Tue Dec 08, 2020 4:39 pm
Forum: Personal Investments
Topic: Fidelity Fixed Annuities vs US Bond Index ?
Replies: 4
Views: 382

Re: Fidelity Fixed Annuities vs US Bond Index ?

I'm not seeing those rates. Shortest timeframe listed is 3 years at 1.30%. I'm in Florida.
by BoomerM3
Sat Nov 21, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: How to track non-supported/obsolete tech devices?
Replies: 9
Views: 712

Re: How to track non-supported/obsolete tech devices?

Many systems will update themselves if you give permission and configure the system to do so. Check the settings on each device. It's a one-time effort.
by BoomerM3
Sat Nov 21, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Solar Pool Heating
Replies: 26
Views: 1208

Re: Solar Pool Heating

I think your expectations are to high. I live in SW Florida and have had solar for 20 years. We have a 'perfect' roof location - due south and adequate roof space to accommodate 7 panels. 1) How well does the heating work? Is the pool swim-able in January? NOT. Our season ends in mid-December depend...
by BoomerM3
Fri Nov 13, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: Microsoft urges users to stop using phone-based multi-factor authentication
Replies: 83
Views: 9168

Re: Microsoft urges users to stop using phone-based multi-factor authentication

Microsoft is addressing the wrong crowd. I do not decide what type of 2FA I use. That is setup by the bank or financial institution. I have to follow the authentication method they provide.

This is not a user based decision. I will ignore the MS concerns.
by BoomerM3
Fri Nov 06, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Wall Street Journal $4 per month
Replies: 22
Views: 3376

Re: Wall Street Journal $4 per month

I'm seeing $1.00 per month as the cheapest.
by BoomerM3
Tue Nov 03, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: HOA stopping my rental
Replies: 80
Views: 8267

Re: HOA stopping my rental

You may get more experienced comments with this web site - it only discusses HOA issues.

https://www.hoatalk.com/HOADiscussionFo ... fault.aspx

You may end up with an attorney, but at least you will hears other experiences.
by BoomerM3
Thu Oct 22, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Any Experiences with UMB Bank?
Replies: 6
Views: 465

Re: Any Experiences with UMB Bank?

My checking account with Fidelity is from UMB. Never been a problem.
by BoomerM3
Wed Oct 21, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: "Bubble level" tool
Replies: 44
Views: 2512

Re: "Bubble level" tool

The problem with the level you refer to is that it's only 9 inches. So, what you will be checking is a 9" space. If you want to know if your floor is level, a 9" measurement won't cut it. I've never used a smartphone as a level.

See if you can borrow a long level (3 feet +) from a friend.
by BoomerM3
Wed Oct 21, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Letting neighbor use dock
Replies: 26
Views: 2208

Re: Letting neighbor use dock

+1
Fix it.
by BoomerM3
Thu Oct 15, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Great iPhone deals?
Replies: 16
Views: 1871

Re: Great iPhone deals?

I'm an Xfinity customer and not seeing any Apple phones discounted. Can you supply a link?

Thanks.
by BoomerM3
Fri Oct 09, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Auto insurance costs – USAA vs ????
Replies: 24
Views: 2429

Auto insurance costs – USAA vs ????

I have been insured by USAA for many years, both homeowners and auto. I’m seeing comments that USAA prices for auto insurance are higher than other firms. I’m unsure how to go about getting quotes from other firms. I get two “rebates” form USAA each year; one for being a member and another for being...
by BoomerM3
Sat Sep 26, 2020 3:31 pm
Forum: Personal Investments
Topic: Fired financial advisor! NEED HELP simplifying accounts
Replies: 16
Views: 2582

Re: Fired financial advisor! NEED HELP simplifying accounts

ED is currently paying over 4%, if that is of interest to you.
by BoomerM3
Sat Sep 05, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Moving to Florida - Cost Categories
Replies: 15
Views: 1543

Re: Moving to Florida - Cost Categories

My observations. I retired from Ohio to southwest Florida 20 years ago. Electricity – my summer month bills average $200. July was a record $250. Water/sewer is expensive. Watering the lawn in winter and filling a pool. Lawn maintenance if you require it (mowing & fertilizing) Some counties in F...
by BoomerM3
Thu Aug 27, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: library ebooks not available for kindle?
Replies: 20
Views: 1406

Re: library ebooks not available for kindle?

Yes, conversion is possible. Calibre software on a PC will allow conversion to/from many formats - including Kindle. A bit of hassle until you get used to the process.

See: calibre-ebook
https://calibre-ebook.com/
by BoomerM3
Tue Aug 18, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: How to prevent a ceiling fan breeze from drying eyes?
Replies: 15
Views: 882

Re: How to prevent a ceiling fan breeze from drying eyes?

My eye doctor suggests artificial tears - no preservatives. Use several times a day.

I use "Refresh Plus" for Costco. They come in a box of 100 vials.
by BoomerM3
Wed Aug 12, 2020 9:44 am
Forum: Personal Finance (Not Investing)
Topic: seeking advice on flood insurance
Replies: 12
Views: 881

Re: seeking advice on flood insurance

If your only concern is the cost, it is possible to increase your deductible. You need to ask you agent, as the info is generally published.

I wouldn't be without it!
by BoomerM3
Thu Jul 23, 2020 10:35 am
Forum: Personal Consumer Issues
Topic: Which image looks better online, jpeg or pdf?
Replies: 5
Views: 475

Re: Which image looks better online, jpeg or pdf?

JPG for sure. Viewers don't have to click and many won't.
by BoomerM3
Mon Jul 20, 2020 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Govt Retirees Considering Relocating Permanently from IL to FL - Input and Thoughts Pls
Replies: 40
Views: 2932

Re: Govt Retirees Considering Relocating Permanently from IL to FL - Input and Thoughts Pls

I'm living in a gated community in Fort Myers. There is no real estate fire here. Homes range from $500,000 to $900,000. I suggest you take another look at the marketplace.
by BoomerM3
Mon Jul 13, 2020 3:03 pm
Forum: Personal Consumer Issues
Topic: Travelling to Fort Myers
Replies: 6
Views: 876

Re: Travelling to Fort Myers

I'm a permanent resident here. If you believe in wearing masks, you should not have a problem. However, you must be aware that there is a mandatory quarantine period if you are arriving from certain states. There are restrictions on certain beaches. There are many stores requiring masks. Some restau...
by BoomerM3
Thu Jul 09, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Contemporary Leather Recliner?
Replies: 7
Views: 758

Contemporary Leather Recliner?

I'm in the market for such a chair and I'm not finding a lot of choices. In the under $500 category, there are an variety of suppliers. But, I'm concerned about the quality and I'm not able to try them out (most are online sources). At the upper end, it seems there is only one manufacturer - Stressl...
by BoomerM3
Mon Jul 06, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 42
Views: 3953

Re: Global Entry Interview conditional approval (365 day clock)...

It seems that the enrollment centers are again open and accepting appointments. I checked TPA (closest to me) and they have openings in July. So, you could complete your approval. I opted not to do that! I don't see any international travel for me in the near future.

I don't know about extensions.
by BoomerM3
Wed Jun 10, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: Exterior Water Service Line Coverage
Replies: 26
Views: 1632

Re: Exterior Water Service Line Coverage

I have owned and lived in about 15 homes in the past 25 years. I never bought water line insurance and never had to repair the water line.

Lots of money saved!
by BoomerM3
Sun May 31, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: Double Play (Internet and TV)
Replies: 28
Views: 1254

Re: Double Play (Internet and TV)

I have Xfinity double play in Florida. About 9 months ago, I went to the Xfinity store and asked the salesperson what specials were available to me. There were 3 or 4 options he presented. I took the one closest to my needs. Bottom line - my monthly bill dropped by $80/month. Don't go to the interne...
by BoomerM3
Sun May 17, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Malfunction
Replies: 20
Views: 1699

Re: Refrigerator Malfunction

Try manually turning your ice maker off for a few hours. Does the sound go away?
No - not the ice maker.
Yes - Found the culprit.
by BoomerM3
Wed May 13, 2020 9:33 am
Forum: Personal Consumer Issues
Topic: What Blood Pressure monitor?
Replies: 13
Views: 903

What Blood Pressure monitor?

It's time to replace my blood pressure monitor (Omron, 10 years old). My main criteria is finding one that is accurate. I don't see any added value in bluetooth enabled. Prefer wall power over batteries. The top sellers at Amazon range from $25 to $55. But, I also found $22 and $289 devices. I can't...
by BoomerM3
Sat Apr 11, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: House AC blowing too cold/hard?
Replies: 10
Views: 1242

Re: House AC blowing too cold/hard?

My Rheem unit (2 years old) has a variable speed blower fan. It starts slowly, pushing out the hot air from the ducts. It then speeds up to get the house to the appropriate temperature. Finally, the compressor shuts off and the blower gradually slows to move the cool air from the ducts into the room...
by BoomerM3
Sun Mar 22, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: Is living near power lines ok or bad?
Replies: 60
Views: 3309

Re: Is living near power lines ok or bad?

I have not seen any hard evidence of health effects. However, the 'feeling' still exists that living near power lines is a bad thing. So, even if the concept doesn't bother you, I suggest you evaluate the impact power lines may have on your resale value.
by BoomerM3
Wed Jan 29, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Florida Home deductible 10% of value!!
Replies: 9
Views: 1299

Re: Florida Home deductible 10% of value!!

The high deductible sounds like Hurricane deductible in a coastal zone. Mine is 2%.
by BoomerM3
Sat Oct 12, 2019 7:53 pm
Forum: Personal Investments
Topic: Track external accounts (bonds) on Fidelity
Replies: 2
Views: 286

Re: Track external accounts (bonds) on Fidelity

I am using Full View to track CDs (not in my Fidelity account). But, I only enter the total of thc CDs - not each CD. In Full View, after you add the account (assume the I-bonds), select EDIT, then enter the total amount of that group of bonds. Repeat with new accounts for each group of bonds. This ...
by BoomerM3
Thu Aug 29, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Florida Home Insurance Offsets Tax Advantage?
Replies: 28
Views: 2460

Re: Florida Home Insurance Offsets Tax Advantage?

I'm paying about $5,000 on a $500k house. Plus $2,000 for flood insurance.

Property taxes here are pretty low compared to many parts of the country.
by BoomerM3
Tue Aug 27, 2019 8:18 am
Forum: Personal Investments
Topic: Which Reports at FIDO?
Replies: 1
Views: 268

Which Reports at FIDO?

As a Fidelity customer for the last 15 years, I have been using the “Retirement Analysis” report to track my progress/status in retirement. Recently, my FIDO advisor presented me with an “eMoney Report.” The report seems very similar to the original retirement report. Both reports present similar da...