Search found 121 matches

Return to advanced search

Re: Is it a no-brainer to cont w/emp health ins vs medicare

mur44, Yes help is available at the county level and he contacted that organization last week. Unfortunately they told him they are only available to discuss Medicare explicitly. Therefore they were unable to help with the current versus previous employer issues. I will suggest he try back, perhaps ...
by HogsAndApples
Fri Oct 17, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1191

Re: Is it a no-brainer to cont w/emp health ins vs medicare

I could use some help figuring out the math on the choices ... The basic choice is to either stay with his current employer or go on Medicare with the stipends through his previous employer. The latter is the more expensive option for 6 years until his wife goes on Medicare. Any advice? Or is there ...
by HogsAndApples
Thu Oct 16, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1191

Re: Is it a no-brainer to cont w/emp health ins vs medicare

So the upshot appears to be there are 4 choices for my friend - my questions: 1) Am I missing anything - are there other details to consider? 2) Are there pluses to being on Medicare? 3) Is there some easy way to compare the cost of the plans over time? Or is it a no-brainer to simply take Option #1...
by HogsAndApples
Wed Oct 15, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1191

Re: Is it a no-brainer to cont w/emp health ins vs medicare

I very much appreciate all your replies. Your comments and thoughts speak to the details and issues one wants to have as they forge forth on issues of this kind. THANK YOU! Oddly, the current employer's benefits department appears to be particularly clueless about employees who qualify for medicare....
by HogsAndApples
Thu Oct 09, 2014 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1191

Is it a no-brainer to cont w/emp health ins vs medicare

I'm helping someone who will be 65 shortly navigate their medical choices. He is employed ( and has access to employer health care coverage. The big question appears to be whether it makes more sense to go with Medicare now or stay with the employee health insurance plan. His wife is on his medical ...
by HogsAndApples
Tue Oct 07, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1191

Re: Deadly airbag recall

Interesting article. Note the recalls have affected more vehicles than Toyota and Honda.
by HogsAndApples
Sat Oct 04, 2014 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Deadly airbag recall
Replies: 3
Views: 573

Re: Tree trimming cost

Tree trimming is an interesting topic for me. This year I was quoted from about $400 up to $550 to trim individual trees. It had been a few years and I thought they were "due" for a trimming. I had a variety of quotes. The firm I usually used simply gave the price, and based on the fact th...
by HogsAndApples
Fri Sep 26, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Tree trimming cost
Replies: 30
Views: 2680

questions about shop vac / house vac older hom

I live in a pre 1978 home. That means there might be lead paint on the walls, there may be asbestos tiles in basement. I've been told that purchasing a HEPA Vacuum (NOT a vacuum with a HEPA filter) is the way to go. These can be expensive. I've been thinking of purchasing a HEPA Vacuum shop vac with...
by HogsAndApples
Tue Aug 19, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: questions about shop vac / house vac older hom
Replies: 6
Views: 508

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Is it worth it to change all my passwords now? Or do I wait until after I know if the site has been fixed?
by HogsAndApples
Wed Aug 06, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7981

What do you think? Medical Coverage Cost / Coercion ?

The organization I work for is now insisting that everyone get a free blood test screening once year. The test they say is to prevent illnesses, etc. -- they make it sound like it is good for you. They share that there won't be any more tests available this year. (I'm not sure what this means) If an...
by HogsAndApples
Wed Aug 06, 2014 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you think? Medical Coverage Cost / Coercion ?
Replies: 38
Views: 1853

Re: Window Wells Filling / Contractor Question

Thank you all for your responses. Yeah! I hear you John94949 just accept it - let the water leak in. No kidding, I hear that - it is a solution. From my understanding the landscape company did check elevations, calculated flow, we installed instead of a french drain (which would drain more slowly) a...
by HogsAndApples
Tue Aug 05, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Window Wells Filling / Contractor Question
Replies: 12
Views: 888

Window Wells Filling / Contractor Question

I had the side of my house regraded as the window wells were filling on that side of the house during hard fast rains. The house sits low to the ground and I had a company regrade and create a swale along with a catch basin which connects to an underground drain. This work has now been paid for. The...
by HogsAndApples
Mon Aug 04, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Window Wells Filling / Contractor Question
Replies: 12
Views: 888

Re: Sidewalk - Fix whole? or Part?

Thank you all very much! The pavers are in good condition. I don't believe they've ever been sealed - I actually never thought about sealing them. We actually have extras. I really like the idea of saving a bit of money and doing the job myself. It's interesting to hear that it is possible to just t...
by HogsAndApples
Tue Jul 01, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Sidewalk - Fix whole? or Part?
Replies: 14
Views: 773

Sidewalk - Fix whole? or Part?

Hi! I'm looking for your advice and wisdom. I have a curved sidewalk that is overall in good shape, however along the inside some of the pavers are lower than the plastic containing rim which has heaved up. The plastic container rim can be seen in its entirety in those areas. I've had two landscaper...
by HogsAndApples
Tue Jul 01, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: Sidewalk - Fix whole? or Part?
Replies: 14
Views: 773

Re: Gutter Strainer - Is this worth it?

Thank you everyone for your suggestions, comments and advice. This is very helpful. rkhusky seemed to be speaking about our dilemma when he wrote "We have a problematic gutter, whose downspout goes underground, so we don't want much to go down there, while at the same time, if the gutter overfl...
by HogsAndApples
Thu Jun 05, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Gutter Strainer - Is this worth it?
Replies: 14
Views: 1521

Gutter Strainer - Is this worth it?

I would appreciate you advice. In the spring, the Silver Maple tree I have clogs the gutters. Currently, I am using mesh gutter strainers and they get clogged with Maple Tree helicopters and debris repeatedly. I found this product on the internet and wondered if any of you have used it ... does it r...
by HogsAndApples
Wed Jun 04, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Gutter Strainer - Is this worth it?
Replies: 14
Views: 1521

Re: Starting a business question

I would not start a business in which I only had 20% stake or as a loan. Whether it is a stake or a loan, I would rethink the whole arrangement. I would definitely seek advice from a lawyer that specializes in the business area in which you want to start a business and has no connection with person ...
by HogsAndApples
Tue May 27, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting a business question
Replies: 36
Views: 1909

Pros and cons? re: Withdrawing from retirement account early

I was wondering about some general advice I recently read that stated it was better for people to start withdrawing at 59 1/2 from their retirement accounts rather than waiting until they had to take mandatory withdrawals at 70 1/2. Curt Whipple said that it was better to do this and pay the taxes n...
by HogsAndApples
Mon May 12, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Pros and cons? re: Withdrawing from retirement account early
Replies: 14
Views: 1589

Re: Healthy Eating/Lifestyle Forum(s)

A healthy eating/lifestyle forum that is of the same caliber as Bogleheads.org? We are primed everyday to believe this or that about diet and lifestyle. Educating ourselves is really important. My suggestion would be just like the Bogleheads to read a variety of books, to keep an open mind, to quest...
by HogsAndApples
Wed Apr 02, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Healthy Eating/Lifestyle Forum(s)
Replies: 16
Views: 2502

Re: EIN# or SS#?

Excuse me, I made an error. I did not understand why the 1040 was being brought up. My question is about whether or not a sole proprietor - freelancer must provide an SS # to a client if the sole proprietor has provided an EIN (Employer Identification) number instead of an SS number. I am being told...
by HogsAndApples
Mon Mar 10, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: EIN# or SS#?
Replies: 6
Views: 663

Re: EIN# or SS#?

I am asking whether or not one must give a potential client / business an SS# even though you have already provided an EIN number? If I give an EIN number, as a sole proprietor, I would use that on my 1040. Assume for the purposes of this question that I am starting a new business and haven't given ...
by HogsAndApples
Mon Mar 10, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: EIN# or SS#?
Replies: 6
Views: 663

EIN# or SS#?

As a sole proprietor I can use either an EIN or Social Security Number when freelancing. I've read and been told numerous times that I ought to use an EIN number, that way, I am not giving out my SS#. I like that idea. However, my CPA, on told me that EVEN if I have an EIN number, the company I do b...
by HogsAndApples
Mon Mar 10, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: EIN# or SS#?
Replies: 6
Views: 663

Ethics and Small Business / Microbusiness

I'm looking for ethics resources and have been unable to find exactly what I'm looking for. I've come across some interesting situations and I'd like to get some additional perspective related to the following questions: 1. When is it unethical to ask or use people you have business / personal relat...
by HogsAndApples
Sun Feb 23, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Ethics and Small Business / Microbusiness
Replies: 3
Views: 370

Re: Confused by Cell Phone Plans

With respect to DSInvestor's post and T-Mobile . . . I just heard from T-Mobile (in-store*) that I can purchase for $35/mo. unlimted talk and text for my iPhone. If you are not on contract, this can be a less expensive route as there are so many places to connect through wifi. So there are some mont...
by HogsAndApples
Wed Feb 05, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Confused by Cell Phone Plans
Replies: 19
Views: 1681

Re: Anyone feed the birds?

I don't feed the birds or any wildlife - I tend to think it is more helpful to them not to.

That said, on near the coldest day this winter AND there have been some cold ones, 15-20 robins visited a single bush in my backyard - magical to see.
by HogsAndApples
Wed Jan 29, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Anyone feed the birds?
Replies: 84
Views: 7062

Re: Does anyone have a bat house?

What an interesting question! I don't have a bat house. I know bats are important ecologically. I would tend not to want a bat house near my house because, I believe, they can carry rabies. I'll be interested to read more.

Why do you want a bat house?
by HogsAndApples
Wed Jan 29, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 1999

2 Factor Authentication: Yea? Nea?

I opened a gmail account. I started with a nice strong password to begin with ... and I received notification from google that someone had attempted to gain access to my account and they indicated the person had the password but had been denied access. They suggested I enter a new password and offer...
by HogsAndApples
Thu Dec 26, 2013 8:37 pm
 
Forum: Personal Consumer Issues
Topic: 2 Factor Authentication: Yea? Nea?
Replies: 15
Views: 1242

Investment Policy Statement - the value of and a thank you

A while back I worked up an IPS - been a couple of years. Frankly, getting myself up to speed took about 6 mos or so. I am so glad I took the time and grateful the Bogleheads forum existed to help me learn. So if anyone is reading this post and perusing the Bogleheads forum to get advice and/or to b...
by HogsAndApples
Tue Dec 24, 2013 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment Policy Statement - the value of and a thank you
Replies: 1
Views: 271

Re: Web based email vs. email client (Mac Mail, etc.)

As usual, the wisdom and suggestions here is great! Thank you. Several have mentioned Google Apps for Business which is now product one must pay for. Google itself allows me to do what I need to do ... in the moment ... reply to email from various domain addresses. How is google apps different from ...
by HogsAndApples
Tue Dec 24, 2013 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Web based email vs. email client (Mac Mail, etc.)
Replies: 29
Views: 1805

Web based email vs. email client (Mac Mail, etc.)

I'm in the process of choosing an new email provider and asked for suggestions here: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=128055 I received lots of suggestions and I have just one more basic question about the pros and cons between web based and client based email (Thunderbird, M...
by HogsAndApples
Mon Dec 23, 2013 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Web based email vs. email client (Mac Mail, etc.)
Replies: 29
Views: 1805

Re: New email service provider needed

One last thing ... if anyone else is thinking of changing email addresses you might find the info here helpful:

http://lifehacker.com/how-to-change-you ... 1481486947
by HogsAndApples
Wed Dec 18, 2013 10:29 am
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4420

Re: New email service provider needed

This thread was full of some interesting information ... just what I was after. A couple of points ... ... assumptions about an OP based on a couple of questions can be grossly wrong ... ... I was amazed to read that 1/2 a billion people world wide use gmail ... contrary to what it looked like, if I...
by HogsAndApples
Tue Dec 17, 2013 8:09 pm
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4420

Re: New email service provider needed

Thank you everyone! Really interesting and this conversation has filled me in on some misunderstandings I have about how email works. I've actually had several people suggest I get a domain and either buy email or forward it through gmail or another service. I didn't really understand why this was u...
by HogsAndApples
Tue Dec 10, 2013 7:59 pm
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4420

Re: New email service provider needed

Thanks! So Gmail is considered secure and private other than ads and the like. I have a Mac, will I be able to actually get my email on Mac under Mail or will have to use the web based email service? My iMac cannot be upgraded - at this point - to use iCloud, though I hope to invest in a new compute...
by HogsAndApples
Tue Dec 10, 2013 3:54 pm
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4420

New email service provider needed

My new internet service provider does not provide email service. What email service would you suggest that is reliable, secure and cost effective? Also, I would -- if possible -- like to have the service able to be accessed on my computer and smartphone as well as web-based. Any suggestions or thoug...
by HogsAndApples
Tue Dec 10, 2013 2:22 pm
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4420

iPods and Radio?

I was thinking of getting an ipod for my partner. He loves music and, in particular, like to run and listen to sports live via the radio ... am and fm. Last time I checked into this it wasn't feasible. Will an iPod do the trick?

If not an iPod are there other devices that might work?
by HogsAndApples
Wed Dec 04, 2013 2:21 pm
 
Forum: Personal Consumer Issues
Topic: iPods and Radio?
Replies: 10
Views: 813

Re: Water line, sewer line, in-house plumbing insurance

We can insure ourselves for everything these days. Sometimes it makes sense to, other times not. For me, an emergency fund makes much more sense than paying insurance. Yes, occasionally there might be a rather large bill. By the way the two homes I have owned have been older than 25 years. If it was...
by HogsAndApples
Wed Nov 20, 2013 11:26 am
 
Forum: Personal Consumer Issues
Topic: Water line, sewer line, in-house plumbing insurance
Replies: 11
Views: 1139

Re: 401K and Security?

Thank you both. I will pass this information on to him - maybe this rang a red flag for him (and me) that is unnecessary. Obviously it is important to get the matching contribution from his employer!
by HogsAndApples
Thu Nov 14, 2013 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: 401K and Security?
Replies: 3
Views: 470

401K and Security?

My uncle started a new job a month or so ago and asked me the other day an interesting question. Apparently his employer works with a firm that handles their 401K's - Let's call it Firm X. Unbelievably Firm X allows the user to use an SS# AND they can create a user id with numbers, letters and speci...
by HogsAndApples
Wed Nov 13, 2013 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K and Security?
Replies: 3
Views: 470

Re: iphone options?

Thank you to everyone for their suggestions! I look forward to looking into them.
by HogsAndApples
Sun Oct 27, 2013 7:46 pm
 
Forum: Personal Consumer Issues
Topic: iphone options?
Replies: 17
Views: 1677

iphone options?

I've decided to invest in my first iphone. I much prefer not to have a contract and to be able to use the phone overseas (though this will be occasional). Is my only option to purchase an unlocked iPhone for full price and then choose a carrier. It seems terribly expensive. Anyone have any suggestio...
by HogsAndApples
Fri Oct 25, 2013 2:17 pm
 
Forum: Personal Consumer Issues
Topic: iphone options?
Replies: 17
Views: 1677

Re: Need advice on choosing a plan.

A couple of years ago, I decided I needed to be better informed, have a plan. It took about six - nine months to work it through and become comfortable with a plan. The above poster is correct, "The enemy of a good plan is the search for a perfect plan." However, give yourself some time to...
by HogsAndApples
Wed Oct 23, 2013 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on choosing a plan.
Replies: 4
Views: 362

Re: Drainage issue - Requesting Your Thoughts

You've all been most helpful: I'd like to post an image, but it appears I can't. This issue is on the west side of the house. The north side (front side of house) faces the street. We've tried window well covers and they do little if anything. This issue occurs only rarely. Water fills the window we...
by HogsAndApples
Sun Sep 15, 2013 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Drainage issue - Requesting Your Thoughts
Replies: 14
Views: 1880

Re: Contractors, References & Angie's List

Thank you everyone! Your perspectives have been very helpful! There is a lot of great wisdom here!
by HogsAndApples
Sun Sep 15, 2013 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Contractors, References & Angie's List
Replies: 19
Views: 2097

Re: Contractors, References & Angie's List

Thank you everyone! Lots of great suggestions and advice and wageoghe, I hadn't thought about a foundation contractor! Certainly, it is true, that references given will probably be good. I have called references before and it is surprising sometimes the things I have found out. Many thanks for all y...
by HogsAndApples
Thu Sep 12, 2013 7:53 pm
 
Forum: Personal Consumer Issues
Topic: Contractors, References & Angie's List
Replies: 19
Views: 2097

Contractors, References & Angie's List

So I've been working on having a plumbing or landscaping contractor come in and put in a new underground drain pipe with a french or yard drain. It's been difficult to find people. Out of the 4 firms I considered I narrowed it down to two. This firm - a plumbing firm - now tells me they don't provid...
by HogsAndApples
Wed Sep 11, 2013 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Contractors, References & Angie's List
Replies: 19
Views: 2097

Re: Seeking secure way of sending personal data email / fax?

All your responses were very helpful - thank you! Balancing the practical with whatever "conventional wisdom" says as well as your own knowledge can be interesting. Several people mentioned that my daughter might be labeled "X" if she didn't simply comply to whatever was asked of...
by HogsAndApples
Sat Sep 07, 2013 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Seeking secure way of sending personal data email / fax?
Replies: 23
Views: 1804

Seeking secure way of sending personal data email / fax?

Hi! My daughter was offered and accepted a new job with a major corporation in the US. They have asked her to send them either a cc of a passport or Driver’s License and Social Security card or a valid passport - the kicker is that they want this info emailed or faxed. She is hesitant to do this and...
by HogsAndApples
Thu Sep 05, 2013 11:18 am
 
Forum: Personal Consumer Issues
Topic: Seeking secure way of sending personal data email / fax?
Replies: 23
Views: 1804

Re: Drainage issue - Requesting Your Thoughts

Yes, the window wells fill up with water and then the water seeps through into the basement through the windows. We do not have a humidity problem in the basement. On the east side of the house the ground does slope away slightly from the attached garage. Ideally the house should sit higher on the p...
by HogsAndApples
Thu Aug 22, 2013 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Drainage issue - Requesting Your Thoughts
Replies: 14
Views: 1880

Re: Drainage issue - Requesting Your Thoughts

Thank you for your questions Mingus. The front of the house faces north. There is a neighboring property and there is about 15 feet between from the foundation of the side of the house to the neighboring property. There is a question if the underground drainage line is somewhat clogged - HOWEVER - e...
by HogsAndApples
Thu Aug 22, 2013 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Drainage issue - Requesting Your Thoughts
Replies: 14
Views: 1880
Next

Return to advanced search