Search found 588 matches

by rooms222
Tue Apr 13, 2021 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: ACH Deposit received without routing and account number
Replies: 10
Views: 1414

Re: ACH Deposit received without routing and account number

A similar thing happens with FiServ, one of the biggest billpay services. Two of the owners of condos in our small association pay by billpay from their respective bank and credit union. Often the two billpay checks from different financial institutions are sent in the same envelope to the treasurer.
by rooms222
Tue Apr 13, 2021 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Any1 use home insurance by GUARD/Berkshire Hathaway ?
Replies: 13
Views: 620

Re: Any1 use home insurance by GUARD/Berkshire Hathaway ?

Looking into the growth and short history of Guard and its non-homeowner´s past, you may have lower rates because 1) it is in growth mode and trying to build market share, and (2) because its data mining thinks you are a lower risk customer than others think you are. Whether they are right or wrong ...
by rooms222
Mon Apr 12, 2021 7:35 pm
Forum: Personal Consumer Issues
Topic: bank check images, and mobile deposits and ACH ?
Replies: 7
Views: 606

Re: bank check images, and mobile deposits and ACH ?

criticalmass wrote: Mon Apr 12, 2021 7:11 pm It's more fun when you pay a vendor who insists on ACH conversion with an account that doesn't allow ACH conversion.
Then it's up to them to redo the transaction as a check.
Yes, this issue was dealt with imperfectly in this thread. viewtopic.php?f=1&t=342133
by rooms222
Mon Apr 05, 2021 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else see drastic increase in Zillow value today?
Replies: 132
Views: 12710

Re: Anyone else see drastic increase in Zillow value today?

Mine went down 1.6% from last month.....
by rooms222
Sat Apr 03, 2021 10:10 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace 2003 Toyota Corolla
Replies: 67
Views: 5626

Re: Repair or Replace 2003 Toyota Corolla

We have in the family the almost identical 2005 Corolla. Those are all things that we have replaced with about 200,000 miles overall. Any mechanic would love to buy this car used and fix those things up, as they are common wear items over time. As the person in the family that has the car now is of ...
by rooms222
Tue Mar 30, 2021 8:57 pm
Forum: Personal Consumer Issues
Topic: Can I stop working? [New car discussion]
Replies: 63
Views: 3303

Re: Can I stop working? [New car discussion]

2005 really was a period of transition in car safety. As my family had a variety of Toyota made cars from that year, I can say that my Corolla did not even have anti-lock brakes, the new Scion tC only had anti-lock brakes, and the Scion Xb had both ABS and electronic stability control standard. If y...
by rooms222
Tue Mar 30, 2021 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Which State is counted for In State tuition?
Replies: 55
Views: 2869

Re: Which State is counted for In State tuition?

As a US Citizen, she would at worst be considered an out of state student, not an international student. One thing that could be considered is to have her live with family or close friends and attend the last year of US High School She could then take the SAT and ACT, and apply under a normal admiss...
by rooms222
Wed Mar 24, 2021 10:59 pm
Forum: Personal Consumer Issues
Topic: Bringing your own EZ-Pass into a rental car?
Replies: 21
Views: 1871

Re: Bringing your own EZ-Pass into a rental car?

Also, you can request the mounting strips from the service center, and use those to put the transponder in the correct location mounted on the windshield. When the rental is over take your transponder, and take off the strips. Or buy them on ebay for $2.39. https://www.ebay.com/itm/232802113339 or o...
by rooms222
Tue Mar 23, 2021 12:34 pm
Forum: Personal Consumer Issues
Topic: Anyone still buying Yahoo eMail Pro?
Replies: 17
Views: 1307

Re: Anyone still buying Yahoo eMail Pro?

I had to start paying again to have the forwarding to gmail. They had given this for free again for a little while, but have resumed charging for it on January 1, 2021.

https://www.zdnet.com/article/yahoo-mai ... ree-users/
by rooms222
Sun Mar 21, 2021 10:37 am
Forum: Personal Consumer Issues
Topic: Need Help Buying Car, part 2
Replies: 81
Views: 6317

Re: Need Help Buying Car, part 2

The concern about getting your order in quickly is that auto assembly plants usually suspend production to changeover to the new model year, usually sometime in June-September. With COVID-19 this may happen at an unusual time or be cancelled altogether. https://carbuzz.com/news/summer-vacation-cance...
by rooms222
Fri Mar 19, 2021 3:21 pm
Forum: Personal Consumer Issues
Topic: Need Help Buying Car, part 2
Replies: 81
Views: 6317

Re: Need Help Buying Car, part 2

I would get Ocean Blue exterior with the Rodeo Red seats inside. I think that is a rare combination.
by rooms222
Tue Mar 16, 2021 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Work from Home - Most Tax Friendly States (Not Cost of Living)
Replies: 76
Views: 5978

Re: Work from Home - Most Tax Friendly States (Not Cost of Living)

The District of Columbia posts an annual "Tax Rates and Tax Burdens: A Nationwide Comparison". The study from the Office of the Chief Financial Officer lags about a year. The latest 2018 study can be viewed at the link below: https://cfo.dc.gov/node/1470246 It compares tax rates & bur...
by rooms222
Mon Mar 15, 2021 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Servicing - MrCooper - Prepay full month to enroll in Biweekly Autopay
Replies: 13
Views: 539

Re: Mortgage Servicing - MrCooper - Prepay full month to enroll in Biweekly Autopay

Mr. Cooper was rebranded from Nationstar, who tried their best to steal my house in California. I was going through a refi and Nationstar bought my loan during escrow a few days before closing, then refused to provide a payoff amount (against the law), and turned me over to collections for non-paym...
by rooms222
Sat Mar 06, 2021 4:41 pm
Forum: Personal Investments
Topic: Vanguard Checks Written on Brokerage/Settlement Account Being Rejected or Returned To Merchants
Replies: 74
Views: 7099

Re: Vanguard Checks Written on Brokerage/Settlement Account Being Rejected or Returned To Merchants

I think Vanguard or its processor is rejecting these "checks" when they are converted to echecks. I remember GE Interest Plus which used similar payment instruments sending a flyer, and perhaps even printing on the face "do not process electronically." Unfortunately, that will of...
by rooms222
Wed Mar 03, 2021 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a home in 6 months: Have NO credit
Replies: 63
Views: 3964

Re: Purchasing a home in 6 months: Have NO credit

I would go back to your old mortgage lender and work to get it reported on your credit report.

https://www.experian.com/blogs/ask-expe ... it-report/
by rooms222
Wed Mar 03, 2021 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Lender Requiring Excessive Homeowners Insurance
Replies: 6
Views: 627

Re: Mortgage Lender Requiring Excessive Homeowners Insurance

Here is a seminar in Florida, where insurance agents appear to have fought over this issue. http://www.independentagent.com/Education/Webinars/SiteAssets/Pages/live-webinars/Lenders%20Gone%20Wild%20Documents.pdf There is also a 2015 compliance discussion citing the same Florida statute and administr...
by rooms222
Sun Feb 28, 2021 7:17 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 103
Views: 11067

Re: Should I buy a new rice cooker from Zojirushi?

Love my Zoji Grill and my thermos from them. Don't like that they put non-stick on everything. Have been using the stainless-only Aroma mentioned above as my rice cooker for over a year now. You can get it from Amazon Warehouse for less than $25 much of the time......
by rooms222
Sun Feb 28, 2021 9:50 am
Forum: Personal Consumer Issues
Topic: Used minivan - suggestions
Replies: 36
Views: 2049

Re: Used minivan - suggestions

Looking at Enterprise Car Sales, they are starting to get some of the Voyager, which is the less expensive Pacifica. In fact, it really is a rebadging of the lower trim levels of the Pacifica. https://www.caranddriver.com/news/a28207234/2020-chrysler-voyager-photos-info/ There are a lot fewer Pacifi...
by rooms222
Sat Feb 27, 2021 1:59 pm
Forum: Personal Consumer Issues
Topic: Looking for an electric pan to cook pancakes that is safe and not aluminum or not stick
Replies: 15
Views: 1093

Re: Looking for an electric pan to cook pancakes that is safe and not aluminum or not stick

If you want to go new, I believe this Aroma has no non stick coating https://www.amazon.com/Aroma-Housewares-AFP-1600S-Stainless-Electric/dp/B0044V6DV6/ref=sr_1_7?dchild=1&keywords=farberware%2Belectric%2Bskillet&qid=1614451928&sr=8-7&th=1 My mother was concerned about this even 40 y...
by rooms222
Fri Feb 26, 2021 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Old (supposed) debt now with collector
Replies: 18
Views: 1752

Re: Old (supposed) debt now with collector

Here is the ambulance fee in the DC Code. https://code.dccouncil.us/dc/council/co ... 5-416.html#

It appears that DC may take the position there is no statute of limitation on debt owed to DC. https://www.fox5dc.com/news/dmv-forces- ... old-ticket
by rooms222
Fri Feb 26, 2021 2:31 pm
Forum: Personal Consumer Issues
Topic: Car suggestion for 70+ year-old mom
Replies: 160
Views: 8967

Re: Car suggestion for 70+ year-old mom

The Chevy Malibu with the Driver Confidence I and II package appears to have all the safety features. It appears that many of GM's middle priced SUVs lack the automatic braking, even with all safety packages added. This feature also appears to no be there on the very well-priced and safety featured ...
by rooms222
Fri Feb 26, 2021 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Old (supposed) debt now with collector
Replies: 18
Views: 1752

Re: Old (supposed) debt now with collector

Did you find this page from the DC government? It explains a lot, and gives contact information directly to the source of the debt. If you can show you were a DC resident at that time, they appear to limit the expense to your copay or $100. They also appear to offer payment plans. https://fems.dc.go...
by rooms222
Tue Feb 23, 2021 4:45 pm
Forum: Personal Consumer Issues
Topic: Making car payments with online payment center
Replies: 17
Views: 712

Re: Making car payments with online payment center

Also note for future reference, that the bill payment vendors that many banks use may have limits on the electronic payment depending on whether or not the recipient of the funds allows for electronic clawbacks for mistakes or insufficient funds. The most relevant example I had was Toyota Motor Cred...
by rooms222
Thu Feb 18, 2021 5:49 pm
Forum: Personal Consumer Issues
Topic: Airfare Question. Does this work
Replies: 14
Views: 1382

Re: Airfare Question. Does this work

Some airlines have protection on separate tickets on the same carrier and some do not. Some airlines will allow checking through on two tickets of their own, and some will not. Icelandair generally offers free stopovers, or at least they did a few years ago. Phone reps can often offer things that th...
by rooms222
Thu Feb 18, 2021 1:19 pm
Forum: Personal Consumer Issues
Topic: Airfare Question. Does this work
Replies: 14
Views: 1382

Re: Airfare Question. Does this work

This should work and not run afowl of any rules. I would post this on flyertalk.com where many people who no all the ins and outs reside.
by rooms222
Fri Feb 12, 2021 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with USAA Checking Account
Replies: 5
Views: 928

Re: Problem with USAA Checking Account

Also, remember that USAA, although not a credit union, is a member restricted institution. Not everyone can access their banking services anymore. Although you can pick beneficiaries that are not eligible for membership, this is a reason for access to this change not to be totally available online, ...
by rooms222
Fri Feb 12, 2021 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement and ACA
Replies: 2
Views: 587

Re: Early retirement and ACA

I think if you went to the marketplace, your daughter would be placed in the CHIP program. https://www.benefits.gov/benefit/1283
by rooms222
Thu Feb 11, 2021 3:41 pm
Forum: Personal Consumer Issues
Topic: HOA Dispute Tree Root Damage
Replies: 15
Views: 1842

Re: HOA Dispute Tree Root Damage

Trees—A Unique Branch of Law https://nyemaster.com/documents/cms/docs/Law-Kathleen/Trees__A_Unique_Branch_of_Law_DCB966502AA23--SECOND-LINK.pdf Very interesting read. It also reiterates that these legal and/or insurance related questions are very state specific, and it is useful to give the state i...
by rooms222
Thu Feb 11, 2021 3:33 pm
Forum: Personal Consumer Issues
Topic: Is "Amazon Day" delivery less reliable?
Replies: 23
Views: 1825

Re: Is "Amazon Day" delivery less reliable?

Unrelated, but every time I get something from anyone other than Amazon I'm impressed by how good Amazon has gotten at packaging--and at the utter abysmal failure of everyone else--particularly but not limited to Walmart.com. I won't say Amazon is "green." But Amazon these days is very re...
by rooms222
Thu Feb 11, 2021 1:41 pm
Forum: Personal Consumer Issues
Topic: Is "Amazon Day" delivery less reliable?
Replies: 23
Views: 1825

Re: Is "Amazon Day" delivery less reliable?

In my area, I have noticed that heavier combined boxes often get sent by UPS and sometimes USPS final delivery rather than FBA/Amazon.
by rooms222
Thu Feb 11, 2021 11:57 am
Forum: Personal Consumer Issues
Topic: Walgreens has insurance info I didn't give them
Replies: 17
Views: 1068

Re: Walgreens has insurance info I didn't give them

Under HIPAA, this would likely fall under the billing, treatment, and operations exception to all information sharing about patients between covered entities, where individual consent would not be required.
by rooms222
Thu Feb 11, 2021 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Taxable wages paid in two states (moved) rounded to quarter?
Replies: 18
Views: 767

Re: Taxable wages paid in two states (moved) rounded to quarter?

Since state tax reporting and withholding rules are based on the rules of each state, you would need to let us know the states involved,
by rooms222
Tue Feb 09, 2021 5:24 pm
Forum: Personal Consumer Issues
Topic: STEM summer camp for high-school student?
Replies: 7
Views: 577

Re: STEM summer camp for high-school student?

Michigan Tech's Summer Youth Program is a great program. https://www.mtu.edu/syp/
by rooms222
Sat Feb 06, 2021 1:36 pm
Forum: Personal Investments
Topic: Moving to 0% income state tax.
Replies: 44
Views: 3599

Re: Moving to 0% income state tax.

Also, part of the affadavit you sing in South Dakota is that you do not have a homestead or fixed place of abode in another state.
by rooms222
Thu Jan 28, 2021 1:39 pm
Forum: Personal Consumer Issues
Topic: Careers - Flagship State vs Top Tier Private
Replies: 162
Views: 8310

Re: Careers - Flagship State vs Top Tier Private

If the dream is working at Goldman Sachs (or somewhere else in "high" finance), however, then whether it's fair or not, majoring in East Greenland Women's Studies at an Ivy League school is actually better than majoring in accounting/finance at all but the very top small handful of public...
by rooms222
Sun Jan 24, 2021 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Complicated legal question regarding real estate
Replies: 7
Views: 824

Re: Complicated legal question regarding real estate

This intersection is a Michigan Left where the side street has much less traffic than the main street, but perhaps a lot of people turning left off of it. The people coming from the side street must turn right and then do a U-turn, like in a Michigan left. Also, this presentation indicates that if a...
by rooms222
Thu Jan 21, 2021 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Green card but no social number, how to get stimulus checks?
Replies: 8
Views: 1451

Re: Green card but no social number, how to get stimulus checks?

There has been discussion of this issue on visajourney.com. Emergency in-person appointments have been available at Social Security in some areas. Getting a first SSN is a priority for issuance of such an appointment. Also, many offices are allowing mailing in the green card with the application. Al...
by rooms222
Tue Jan 19, 2021 8:28 pm
Forum: Personal Consumer Issues
Topic: Buying a car out of state
Replies: 10
Views: 863

Re: Buying a car out of state

If you don't have any other homestead, South Dakota allows you to become a resident by affadavit. You must spend at least one night there. No state income tax, and only a 4 per cent sales tax on cars. Many of those roaming the US without a fixed home get residency there, and register their RV or car...
by rooms222
Mon Jan 18, 2021 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: PIP on Auto Ins - Necessary?
Replies: 15
Views: 1096

Re: PIP on Auto Ins - Necessary?

Yes, I was speaking only about the recent changes in Michigan.
by rooms222
Mon Jan 18, 2021 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: PIP on Auto Ins - Necessary?
Replies: 15
Views: 1096

Re: PIP on Auto Ins - Necessary?

This blog post makes the best argument about why you should keep it in Michigan. The post above about the potential death spiral of rates is very informative as well, that that could happen. Even if you decide to not get maximum medical coverage, this article is very convincing that you should raise...
by rooms222
Mon Jan 18, 2021 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Renting Single family home to run Assisted Living Facility
Replies: 28
Views: 2614

Re: Renting Single family home to run Assisted Living Facility

An attorney is very necessary. On a state by state basis, there is often a body of both court cases and law that allows group living facilities to supersede both zoning and homeowners associations. Having a lawyer that knows how this applies specifically in your state is critical to comply with thos...
by rooms222
Wed Jan 13, 2021 8:59 pm
Forum: Personal Consumer Issues
Topic: eBay Listing Low Shipping Cost
Replies: 13
Views: 1119

Re: eBay Listing Low Shipping Cost

I have noticed that some items by ebay sellers appear to be shipped from the office mailroom of their day job, so they are not paying for the shipping themselves. This is wrong, but there is no way to tell until you get the item.
by rooms222
Fri Jan 08, 2021 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Tell our auto insurer that we retired?
Replies: 17
Views: 1732

Re: Tell our auto insurer that we retired?

Insurers use occupation as a rate factor to give a discount to white-collar workers. This discount is controversial, and many advocacy groups want to make it illegal. It is already illegal in five states. Do you know which five states?? https://www.thezebra.com/resources/research/car-insurance-rati...
by rooms222
Tue Jan 05, 2021 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Question About WFH & State Income Tax Withholding
Replies: 7
Views: 380

Re: Question About WFH & State Income Tax Withholding

Knowing the specific states would get you a better answer. The fact that the office is closing permanently is an interesting twist that may also effect the outcome.
by rooms222
Tue Dec 29, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Olive Oil
Replies: 23
Views: 2913

Re: Olive Oil

Giant discussion a few days ago......

viewtopic.php?f=11&t=331279
by rooms222
Sun Dec 27, 2020 1:23 pm
Forum: Personal Consumer Issues
Topic: Used car buying (quick question)
Replies: 30
Views: 2536

Re: Used car buying (quick question)

If you are set on an Odyssey, I think you will be looking at a 2018 lease return. The good thing is that, because of COVID, it looks like there are many with very few miles on them.
by rooms222
Sat Dec 26, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Continental Tires
Replies: 24
Views: 1845

Re: Continental Tires

For replacement tires, I have had good luck with the General tires, a brand owned and designed/manufactured by Continental.
by rooms222
Mon Dec 21, 2020 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to break nexus with PA for a future trust if we live in PA & want an out-of-state trust?
Replies: 7
Views: 596

Re: How to break nexus with PA for a future trust if we live in PA & want an out-of-state trust?

Also, I found the information in this article interesting that after the McNeil case, Pennsylvania doubled down on the filing (disclosure) obligation for all trusts when a beneficiary is a PA resident. https://kulzerdipadova.com/news/interesting-developments-concerning-income-taxation-of-resident-an...