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Re: Would you invest $2500 or ?

I appreciate all your thoughts and suggestions. Many reflect some of my own thoughts. Yup, that's right - tools are easy to sell. Money is easy to spend and he has been and is graced with many lives. Money can also buy a bender. He's been helped many times and by many people. Money isn't the answer....
by HogsAndApples
Wed Dec 17, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Would you invest $2500 or ?
Replies: 21
Views: 1429

Would you invest $2500 or ?

The investment I'm talking about is a sibling of mine who out of the blue called and asked for $2500 to get back on his feet. He has a long history of drug and alcohol issues (heavy duty stuff here) for decades. Supposedly he is in a psych ward and tried to commit suicide, is homeless, and wants to ...
by HogsAndApples
Tue Dec 16, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Would you invest $2500 or ?
Replies: 21
Views: 1429

Re: Dealer Regular Sched. Maintenance Question

Regarding the Owner's Manual for Maintenance vs. the Dealers Maintenance Schedule. For the sake of others who may have made the same mistake as I -- I rather assumed the schedule I was given by the dealer, their little booklet, was the required maintenance schedule. I didn't realize it existed in th...
by HogsAndApples
Mon Dec 15, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Dealer Regular Sched. Maintenance Question
Replies: 15
Views: 784

Re: Dealer Regular Sched. Maintenance Question

Snip/snap - done. I cancelled the appointment I had made with the dealer, went with an independent and with a much less expensive cost.

Thank you all for your suggestions and help. I've learned a lot.
by HogsAndApples
Mon Dec 15, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Dealer Regular Sched. Maintenance Question
Replies: 15
Views: 784

Re: Dealer Regular Sched. Maintenance Question

So I called the dealer to request a quote for the owner's manual service. The service man said that we would lose the free oil change if we went with the owner's manual. Further he said, he imagined it would be the same cost. When I pointed out that the oil changes are not required for 7500 miles or...
by HogsAndApples
Mon Dec 15, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Dealer Regular Sched. Maintenance Question
Replies: 15
Views: 784

Dealer Regular Sched. Maintenance Question

I have my vehicles serviced regularly. I've always followed the maintenance book I received with the car. After reading another Boglehead Thread, I realized I was following the dealer maintenance schedule and not the maintenance schedule in the owner's manual paying more for possibly more maintenanc...
by HogsAndApples
Mon Dec 15, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Dealer Regular Sched. Maintenance Question
Replies: 15
Views: 784

Re: Selecting Charities for Donation

A few years back, I read an article about donating to one organization per year. The idea was - if I remember correctly - that whether you donate to one or many organizations in a year - it all works out in the end. I may be vastly misrepresenting the article. In any case my family liked the idea. W...
by HogsAndApples
Fri Nov 21, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 59
Views: 4279

Re: Medicare Part B - timing question

Thank you drawpoker this was helpful information!
by HogsAndApples
Wed Nov 19, 2014 8:54 am
 
Forum: Personal Consumer Issues
Topic: Medicare Part B - timing question
Replies: 3
Views: 735

Medicare Part B - timing question

As I have written before, I am helping a friend navigate his Medicare Choices. For anyone else out there reading this. It is very helpful if you begin 12 months to 9 months prior to becoming Medicare eligible to learn about Medicare and to get a handle around what you want to do. ESPECIALLY importan...
by HogsAndApples
Mon Nov 17, 2014 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Medicare Part B - timing question
Replies: 3
Views: 735

Re: Historical Medigap/Advantage Health Care % increases?

Thanks for your thoughts drawpoker! What I wanted to do was determine a reasonable amount of premium increase for the MA or Medigap out into the future. 15% is way out of line - or at least let us hope so for annual increases to MA or Medigap. The resource you provided is interesting and helpful as ...
by HogsAndApples
Wed Nov 05, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Historical Medigap/Advantage Health Care % increases?
Replies: 3
Views: 410

Historical Medigap/Advantage Health Care % increases?

How much do Medigap and Advantage Care Plans historically increase each year? I'm trying to compare premium costs with what might be saved should my friend receive a stipend towards Medigap or Medicare Advantage premiums rather than taking the stipend and going with his current employer's medical co...
by HogsAndApples
Tue Nov 04, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Historical Medigap/Advantage Health Care % increases?
Replies: 3
Views: 410

Re: Enrolling in Medicare - Question

Folks, I fully realize that what I am receiving on this forum are opinions. I value them, they help me notice this or that or give me a tip on a resource or an ideas that have been helpful. Thank you all for sharing your experiences. It's really been very helpful! GerryL - Thank you for your suggest...
by HogsAndApples
Sat Nov 01, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enrolling in Medicare - Question
Replies: 14
Views: 1335

Re: Enrolling in Medicare - Question

Thank you all for your suggestions, comments and resources. My friend and I talked to his local SHIP program and attended a local Medicare 101 class, and I have read the recent and many past threads on Medicare that have been posted. I appreciate your sharing them here - as it is surprising what you...
by HogsAndApples
Fri Oct 31, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enrolling in Medicare - Question
Replies: 14
Views: 1335

Enrolling in Medicare - Question

Helping a friend wind his way through his Medicare options . . . two questions: Question #1: On October 1 he began to seek advice on Medicare and his particular situation. It's a bit complicated, but he's made progress. He's a month into it and still has some questions he needs answers to prior to e...
by HogsAndApples
Thu Oct 30, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enrolling in Medicare - Question
Replies: 14
Views: 1335

Re: Bogleheads.org equivalents for other areas of life?

Best forum and source for healthy food from a respected source:

https://www.drmcdougall.com/forums/
by HogsAndApples
Tue Oct 28, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 7833

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 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1290

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 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1290

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 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1290

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 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1290

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 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1290

Re: Deadly airbag recall

Interesting article. Note the recalls have affected more vehicles than Toyota and Honda.
by HogsAndApples
Sat Oct 04, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Deadly airbag recall
Replies: 3
Views: 653

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 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Tree trimming cost
Replies: 30
Views: 2849

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 11:09 am
 
Forum: Personal Consumer Issues
Topic: questions about shop vac / house vac older hom
Replies: 6
Views: 562

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 12:45 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8422

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 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you think? Medical Coverage Cost / Coercion ?
Replies: 38
Views: 1917

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 9:23 am
 
Forum: Personal Consumer Issues
Topic: Window Wells Filling / Contractor Question
Replies: 12
Views: 988

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 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Window Wells Filling / Contractor Question
Replies: 12
Views: 988

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 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Sidewalk - Fix whole? or Part?
Replies: 14
Views: 792

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 6:35 am
 
Forum: Personal Consumer Issues
Topic: Sidewalk - Fix whole? or Part?
Replies: 14
Views: 792

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 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Gutter Strainer - Is this worth it?
Replies: 14
Views: 1581

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 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Gutter Strainer - Is this worth it?
Replies: 14
Views: 1581

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 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting a business question
Replies: 36
Views: 1957

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 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Pros and cons? re: Withdrawing from retirement account early
Replies: 14
Views: 1623

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 11:57 am
 
Forum: Personal Consumer Issues
Topic: Healthy Eating/Lifestyle Forum(s)
Replies: 16
Views: 2609

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 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: EIN# or SS#?
Replies: 6
Views: 682

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 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: EIN# or SS#?
Replies: 6
Views: 682

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 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: EIN# or SS#?
Replies: 6
Views: 682

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 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Ethics and Small Business / Microbusiness
Replies: 3
Views: 374

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 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Confused by Cell Phone Plans
Replies: 19
Views: 1692

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 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Anyone feed the birds?
Replies: 84
Views: 7321

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 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 2036

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 7:37 pm
 
Forum: Personal Consumer Issues
Topic: 2 Factor Authentication: Yea? Nea?
Replies: 15
Views: 1261

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 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment Policy Statement - the value of and a thank you
Replies: 1
Views: 274

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 11:38 am
 
Forum: Personal Consumer Issues
Topic: Web based email vs. email client (Mac Mail, etc.)
Replies: 29
Views: 1860

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 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Web based email vs. email client (Mac Mail, etc.)
Replies: 29
Views: 1860

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 9:29 am
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4563

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 7:09 pm
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4563

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 6:59 pm
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4563

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 2:54 pm
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4563

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 1:22 pm
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4563
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