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Re: If you have ACA health insurance, what is your experien

Another "pro" vote for ACA. When my full-time job was eliminated, I could stay part-time and purchase ACA insurance. I got most of my doctors in the new network for roughly the same price I was paying for premiums with group insurance through work. With a pre-existing condition (cancer), I...
by Curlyq
Tue Apr 22, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 169
Views: 7289

Re: Mr. Money Mustache: Hero or Foolish?

Everyone says we need to all be consumers to keep our economy going, but what if we could all just have less stuff, all work less, and all be happier, have more time with our families and strengthen our local communities. I think this would actually make people less happy, but that's another discus...
by Curlyq
Fri Apr 11, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 252
Views: 28077

Re: Mr. Money Mustache: Hero or Foolish?

I would like to hear from Mr. MM's fans, if some are still following this thread - and remember, I am one of his fans to a large degree. If prosperity changes your Mr. Money Mustache, will you still love him? I'm not quite sure why you seem to betting on MMM failing, but my thoughts are that he has...
by Curlyq
Wed Apr 09, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 252
Views: 28077

Re: Why Americans are Retiring Overseas

Is there a low-cost retirement place with abundant snow skiing? That's been my problem all along. My skin can't handle the beach- or rain forest-type weather and I'm a snow person.
by Curlyq
Tue Apr 08, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 9079

Re: Why pay off your house?

One less bill to worry about. Simplification feels good.
by Curlyq
Tue Apr 08, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 8620

Re: Mr. Money Mustache: Hero or Foolish?

Hero, for me. He offers an alternative to the accepted consumeristic life so common in the U.S. and it doesn't appear that he and his family are suffering for it. He also encourages a healthy lifestyle that is aligned with the financial independence viewpoint. I haven't seen any other blog or forum ...
by Curlyq
Tue Apr 08, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 252
Views: 28077

Re: Advice needed on behalf of MIL

How about some (or most) of the money into an SPIA? The "vultures" can then only bankrupt her each month, but not the whole "nut." There's only so much you can control, unless you put her on a budget and dole out the money directly to pay the bills.
by Curlyq
Thu Mar 20, 2014 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed on behalf of MIL
Replies: 26
Views: 1416

Re: "Re-selling" Online

eBay is not that bad. I use it all of the time for easily shipped items that have some decent value. As my purpose for selling on eBay is strictly to downsize, I usually start with a purchase price of $0.99 with no reserve and let the online marketplace determine the final value. I am usually pleasa...
by Curlyq
Thu Mar 13, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: "Re-selling" Online
Replies: 11
Views: 973

Re: House too small; what to do?

In addition to the addition :D, take everything out of your house. Then, only put half of the items back. Maybe build a shed in the backyard to hold less-frequently used items. If you already have a shed and it's full, take everything out of it and only put half of the items back and consider adding...
by Curlyq
Thu Mar 13, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: House too small; what to do?
Replies: 38
Views: 3063

Re: Selling my house to friends

I went through a similar situation last year around this time. My friends loved my house and we were in the same ballpark in regards to purchase price. I went to start the sales contract with my attorney and told the buyers that I needed "proof of funds." Well, you would have thought that ...
by Curlyq
Thu Mar 13, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling my house to friends
Replies: 12
Views: 1593

Re: Keurig vs normal coffeemaker?

Turns out that Keurig coffee costs between $35 and $120 a pound . You can get amazing, freshly roasted coffee beans on Amazon for ~$6 a pound. Not to mention that Keurig cups are not environmentally friendly. The resources to make all those plastic cups, which are then thrown away -- such as waste....
by Curlyq
Sat Feb 01, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 128
Views: 6282

Re: Keurig vs normal coffeemaker?

Turns out that Keurig coffee costs between $35 and $120 a pound . You can get amazing, freshly roasted coffee beans on Amazon for ~$6 a pound. Not to mention that Keurig cups are not environmentally friendly. The resources to make all those plastic cups, which are then thrown away -- such as waste.
by Curlyq
Sat Feb 01, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 128
Views: 6282

Re: Does anyone have a bat house?

A relative of mine has a bat house, located fairly high up on a tree near the swimming pool. Bats inhabited the bat house fairly quickly after it was installed. Each night, the bats exit the bat house and eat all of the mosquitoes, making sitting by the pool in the evenings a much more pleasant expe...
by Curlyq
Wed Jan 29, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 1832

Re: Most Efficient Way to Heat a Home

How about a solar furnace? Once built, you have free heat whenever the sun shines. builditsolar.com is a good resource. This is assuming that you have done everything you can to caulk, weather seal, improve insulation, and lower your heating temps (wear sweaters, use heating pad on floor at home off...
by Curlyq
Mon Jan 27, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Most Efficient Way to Heat a Home
Replies: 86
Views: 5242

Re: buying latex mattress online

Over the past few years, I've purchased two mattresses, some pillows, and a topper from foambymail.com. The prices were the cheapest I could find and the quality is very good. Shipping was quick and customer service was excellent. No issues at all. I love sleeping on latex.
by Curlyq
Mon Jan 27, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: buying latex mattress online
Replies: 14
Views: 866

Re: "150 Portfolios Better Than Yours"

Emergdoc, I hope that your book is very successful and that you are well-rewarded for writing it. Your blog has helped some of my high-earning friends and relatives very much. They were not interested in the Bogleheads book nor the Bogleheads website (not sure why, arrogance, ignorance, or silliness...
by Curlyq
Sat Jan 25, 2014 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: "150 Portfolios Better Than Yours"
Replies: 52
Views: 4448

Re: Dating - Best Way of Meeting People

On the guy's side of dating, here is an interesting case where a woman posted a fake profile written to make her appear as a horrible person, but with beautiful pictures of a model. She got numerous messages each day despite the nasty personality: http://abcnews.go.com/Lifestyle/pretty-woman-worst-...
by Curlyq
Thu Jan 23, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Dating - Best Way of Meeting People
Replies: 70
Views: 3760

Re: Dating - Best Way of Meeting People

On the guy's side of dating, here is an interesting case where a woman posted a fake profile written to make her appear as a horrible person, but with beautiful pictures of a model. She got numerous messages each day despite the nasty personality: http://abcnews.go.com/Lifestyle/pretty-woman-worst-o...
by Curlyq
Thu Jan 23, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Dating - Best Way of Meeting People
Replies: 70
Views: 3760

Re: Letting go: Classic textbooks

Take your most precious books and use them as decorations. I particularly like the three books used as relief artwork in the bathroom in the seventh picture in this online article:

http://www.houzz.com/decorating-with-books

The rest, say goodbye, and recycle them.
by Curlyq
Fri Jan 17, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Letting go: Classic textbooks
Replies: 54
Views: 3624

Re: Free Online Concerts

David Bowie's concerts on Youtube. My favs are his Live at the BBC concert in 2000 and his 2002 Berlin concert. In my opinion, Bowie is a musical genius. He turned 67 yesterday (Jan. 8). I saw him live in the Berkeley Theatre two months before he had his heart attack and retired.
by Curlyq
Thu Jan 09, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Free Online Concerts
Replies: 8
Views: 811

Re: Time for a new dentist?

I had one dentist who wanted to whiten my teeth and told me that I needed veneers. I declined both treatments. Then, he told me that I had 14 cavities. I declined treatment and got a new dentist. That was 30 years ago. I've never had a cavity in that time and my current dentist is quite happy with m...
by Curlyq
Thu Jan 09, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Time for a new dentist?
Replies: 8
Views: 883

Re: Save those $1 Bills

I put my loose change, $1s, and $5s into a jar. Each year, this "stash" pays for a big chunk of my vacation!
by Curlyq
Fri Dec 27, 2013 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Save those $1 Bills
Replies: 22
Views: 3857

Re: My company won't support my HMO/HSA from ACA

However, if one's HSA contributions do not come out of one's paycheck, then you will be paying FICA/medicare taxes before you contribute just like someone who was unemployed and used this health plan. It's not the end of the world though. And congrats on going part-time! That should give you lots m...
by Curlyq
Thu Dec 26, 2013 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: My company won't support my HMO/HSA from ACA
Replies: 4
Views: 325

My company won't support my HMO/HSA from ACA

My employment status is changing from full-time to part-time on January 6th and my medical insurance is going away. I got the letter on December 19 and had to scramble to purchase an ACA insurance plan by December 23rd to have insurance start January 1. I decided to go with an HMO/HSA Bronze plan of...
by Curlyq
Thu Dec 26, 2013 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: My company won't support my HMO/HSA from ACA
Replies: 4
Views: 325

Re: oriental rugs

Craigslist is your friend. I've seen many very nice Oriental rugs selling on Craigslist for pennies on the dollar.
by Curlyq
Thu Nov 21, 2013 9:49 pm
 
Forum: Personal Consumer Issues
Topic: oriental rugs
Replies: 17
Views: 925

Re: Journal of my bike tour from Missoula, MT to Jasper, AB

Raybo, have you ever considered a Bike Friday (and the checkable suitcase/trailer) as a bike touring option?
by Curlyq
Wed Nov 13, 2013 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Journal of my bike tour from Missoula, MT to Jasper, AB
Replies: 19
Views: 1137

Just caught two students lying

Just a quick vent. I just caught two students lying. They were both absent from class last week, giving different reasons. Today, I receive two more different reasons why they were missing class, only to find out that they were standing next to each other when making the calls. I don't know what the...
by Curlyq
Mon Jun 24, 2013 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Just caught two students lying
Replies: 1
Views: 950

Re: Spanked on Retirement, Gen X Still Doesn't Get It

I'm a Boomer/Gen X cusper. My parents were "Matures" and taught me lessons from living through the depression. X'ers are a generation away from this knowledge. This might be one difference, although I've met plenty of Boomer's who were "drunk on credit" just like everyone else an...
by Curlyq
Mon Jun 24, 2013 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: Spanked on Retirement, Gen X Still Doesn't Get It
Replies: 60
Views: 11328

Re: Unnerving Phone Call Late Last Night

I know a couple that have blocked their numbers. I don't answer blocked calls and sometimes my friends ask why I don't answer their calls. I've told them that they'll need to unblock their calls to me before I will answer. It turns out that they have a lot of bill collectors calling them. It's their...
by Curlyq
Sun Jun 23, 2013 11:21 am
 
Forum: Personal Consumer Issues
Topic: Unnerving Phone Call Late Last Night
Replies: 47
Views: 5898

Re: Planning to leave an inheritance

stemikger wrote:Thanks everyone, I appreciate the advice.


My 86-year old dad's portfolio is 40/60, which he chose as a blend between his preferred asset allocation and his offspring's.
by Curlyq
Thu Jun 20, 2013 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Planning to leave an inheritance
Replies: 11
Views: 1383

Re: Observations with Amazon Prime

Amazon is know for adjusting prices etc based on purchase habits. Out of curiosity, do you have any examples of this? I've never heard of that. I found a calculator on amazon for four bucks. I've bought calculators from them in the past. I emailed the link to my sister, and the price said $5.99. Sa...
by Curlyq
Tue Jun 18, 2013 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Observations with Amazon Prime
Replies: 47
Views: 4753

Re: Vespa 150 vs Genuine Buddy 170

I bought a Piaggio MP3 400 ie about 1 1/2 years ago. It's been great. I have yet to put $10.00 of gas into it, even when driving on fumes to get to the gas station. Piaggio is Vespa's parent company. I would recommend the Vespa for durability and availability of parts. I would suggest a larger, more...
by Curlyq
Tue Jun 18, 2013 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Vespa 150 vs Genuine Buddy 170
Replies: 12
Views: 1253

Guy who lived in van while in grad school...

This is an interesting article about a guy who accumulated a large amount of debt getting his undergrad degree, paid if off by working in Alaska, and then lived in his van during graduate school. I have some affinity for this fellow because I lived in a van for over a year while traveling around Eur...
by Curlyq
Sat Jun 15, 2013 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Guy who lived in van while in grad school...
Replies: 13
Views: 2354

Re: Cutco Knives

I'm also happy with the Victorinox knives. I have a Wusthof as well that I like. I just bought a set of Victorinox steak knives that feel sort of flimsy but they work beautifully. If you have to choose I would buy fewer knives of high quality....you really don't need many. First choice would be a l...
by Curlyq
Wed Jun 12, 2013 1:38 am
 
Forum: Personal Consumer Issues
Topic: Cutco Knives
Replies: 17
Views: 2599

Re: Guaranteed to Need Repair in 3-5 Years

The service tech told me to keep my refrigerator as long as possible because all she fixes are newer models. Clearly a case of survivorship bias. All the fridges of your vintage that were going to break have already broken. You just don't hear about them anymore. Good point, but I'm still really ha...
by Curlyq
Tue Jun 11, 2013 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Guaranteed to Need Repair in 3-5 Years
Replies: 31
Views: 2897

Re: Cutco Knives

I've never liked the Cutco knives. My mother bought some and some friends used to sell them, so I've had plenty of opportunity to use them. They don't stay sharp. Many of them are serrated and therefore impossible to hone/sharpen. They are more expensive than a couple quality knives and you often e...
by Curlyq
Tue Jun 11, 2013 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Cutco Knives
Replies: 17
Views: 2599

Re: Dry, breathable, lightweight, reasonably priced rain she

I'm finding that I am grabbing my bicycling rain jacket more and more. It fits most of the criteria that you mentioned. I think any brand will do. Mine looks pretty good because, in general, cycling gear is somewhat form-fitting. Cycling jackets are also longer, especially in the back and they have ...
by Curlyq
Tue Jun 11, 2013 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Dry, breathable, lightweight, reasonably priced rain shell
Replies: 59
Views: 2924

Re: Buying a house with my SO, but one of us has bad credit

I would appreciate it if you wrote in a less vulgar fashion. The admins keep having to edit your responses. The people on this board are trying to help you and your vulgarity is off-putting.
by Curlyq
Mon Jun 10, 2013 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house with my SO, but one of us has bad credit
Replies: 56
Views: 2644

Re: Guaranteed to Need Repair in 3-5 Years

I just had my 13-year old Kenmore refrigerator serviced. My ex boyfriend had removed the ice maker for some reason that I can no longer remember and I wanted it re-installed property and checked out. The service tech told me to keep my refrigerator as long as possible because all she fixes are newer...
by Curlyq
Mon Jun 10, 2013 11:48 am
 
Forum: Personal Consumer Issues
Topic: Guaranteed to Need Repair in 3-5 Years
Replies: 31
Views: 2897

Re: Why buy expensive cars

So many of the expensive cars are leased today that driving one is no longer a marker of true wealth, but more a marker of someone who likes expensive cars. These cars are nice, but I'm not particularly impressed. There's a waiter at a local restaurant near me who has a fancy "bling" watch...
by Curlyq
Mon Jun 10, 2013 1:49 am
 
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 25756

Re: Renting Tires

When I was poor, I would buy one tire at a time from a used tire store. They would try to roughly match the tread and wear. I usually had four different brands of tires on my car at any given time. Sometimes, I would get a ride from a friend and bring in my rim with the bad tire on it, get it switch...
by Curlyq
Sun Jun 09, 2013 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Renting Tires
Replies: 19
Views: 1914

Re: Cutco Knives

I'm one of the posters about Cutco. You can buy the knives from any source and you'll get the free lifetime sharpening and replacement (when worn out). I purchased my petite Santoku from eBay and the 4" paring knife from Cutco's website. I'd suggest the following knives: - One chef knife (your ...
by Curlyq
Sun Jun 09, 2013 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Cutco Knives
Replies: 17
Views: 2599

Re: Premium Products That Are Worth It To You

I buy Cutco kitchen knives. Many moons ago, I tried selling Cutco door-to-door and kept my demo set. After over 30 years of use, I finally sent the knives and kitchen shears to Cutco to be factory-sharpened. Cutco replaced the paring knife and the kitchen shears with new models and sharpened the res...
by Curlyq
Sat Jun 08, 2013 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 36211

Re: Dog keeps me awake

My dog, a 90-pound long-haired retriever mix, was pretty fidgety at night sometimes. After I had her clipped (short all over, including ears, legs, and tail), she seems to be more comfortable in the warm temps. She doesn't pant as much and doesn't move around as much at night.
by Curlyq
Sat Jun 08, 2013 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Dog keeps me awake
Replies: 21
Views: 2868

Re: Free Cars for Life [POLL]

Years ago, we had a minister who used something like the Ramsey method. His enhancement was to disconnect the speedometer cable when he got the car to keep the odometer reading low. I suspect it also helps when negotiating purchases and sales to wear your clerical collar. So much for honest clergy!...
by Curlyq
Fri Jun 07, 2013 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Free Cars for Life [POLL]
Replies: 77
Views: 4077

Re: Dog keeps me awake

It sounds as though. in addition to dog "dementia," your dog might have kidney disease/failure. Have you had this checked out? Or it might be a thyroid problem. I'm saying this because I've had two cats that exhibited these symptoms and that's what was wrong with them. I had one cat radiat...
by Curlyq
Fri Jun 07, 2013 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Dog keeps me awake
Replies: 21
Views: 2868

Re: Free Cars for Life [POLL]

I buy a two or three-year old car, usually a Subaru as I need AWD or 4WD, and drive it for at least 10-12 years. I currently have a 2003 that I bought in 2005. At the rate I'm going, I figure that I'll buy a 2016 Subaru in 2018.
by Curlyq
Fri Jun 07, 2013 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Free Cars for Life [POLL]
Replies: 77
Views: 4077

Re: How much to spend on a new washer & dryer

OP, I work with the Energy Efficiency folks at an electric utility and they offered this advice: Go for a front-loading washer and don't worry too much about the dryer. The front-loader will not only use less hot water (saving energy on water heating) but it will also run a much faster spin cycle t...
by Curlyq
Thu Jun 06, 2013 7:50 pm
 
Forum: Personal Consumer Issues
Topic: How much to spend on a new washer & dryer
Replies: 66
Views: 7724

Re: Selling older car vs. keeping it for low level use

In my opinion a seven year old car is not "older". It is in the middle of it's useful life. I was thinking the same thing. I have a 10-year old car with 125,000 miles on it and it's not old at all. I intend to keep driving it until it's no longer reliable. It's a Subaru, so that may be ye...
by Curlyq
Thu Jun 06, 2013 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling older car vs. keeping it for low level use
Replies: 27
Views: 2273
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