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Re: Lowes Install Services- anyone use them for a new bathro

I've heard from neighbors that even though we live in a modest home, because we live in an affluent town, contractors routinely bump up prices when bidding on jobs in our town because they think they can get the job at inflated pricing. I have seen this. I live in a beautiful area, because granddad...
by frugaltype
Thu Mar 27, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Lowes Install Services- anyone use them for a new bathroom?
Replies: 22
Views: 2323

Re: Ancestry Tests

I've been researching my and my wife’s genealogy for the last few years. I had circumstantial but not conclusive evidence of her paternal lineage to her great x5 grandfather but I could not prove it. We had her uncle (the oldest living male) do a 37 marker dna test and got 4 perfect matches and sev...
by frugaltype
Thu Mar 27, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Ancestry Tests
Replies: 19
Views: 1994

Re: How much water do you drink every day?

I know medical advice is a no-no on this forum, but - all that extra water you drink does you zero good. You pee out all the extra water you drink. Your thirst is HIGHLY accurate unless you have kidney disease, and the amount of water you drink will depend both on activity/sweat as well as salt int...
by frugaltype
Thu Mar 27, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 3538

Re: How much water do you drink every day?

Zero, I used to drink tap water where I lived before, but here it tastes awful.
by frugaltype
Thu Mar 27, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 3538

Re: Portfolio help for 83 year old widow lady

Watty wrote:There are lots of pitfalls with a reverse mortage so I would not hurry into one, but it could be a fallback position.


http://dealbook.nytimes.com/2014/03/26/pitfalls-of-reverse-mortgages-may-pass-to-borrowers-heirs/
by frugaltype
Thu Mar 27, 2014 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1255

Re: Lawyer, Small Claims Court, or ?

Is a chain link fence not feasible? I know you said no fence, just wondering why?
by frugaltype
Thu Mar 27, 2014 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lawyer, Small Claims Court, or ?
Replies: 27
Views: 1393

Re: Thinking About a New Laptop

My thinkpads are very reliable. The HP laptops were not so much - the hinges and USB ports seemed to be weak points consistently from HP laptop to HP laptop.
by frugaltype
Thu Mar 27, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Thinking About a New Laptop
Replies: 45
Views: 3238

Re: Can't get brokerage tax documents from Vanguard

I am sure not many people have to transfer out of Vanguard and this is likely a result of that. They say the brokerage account should be viewable online (other accounts are, that one is not). I had several brokerage accounts (IRA, Roth IRA, Inherited IRA) and maybe they are just confused about whic...
by frugaltype
Thu Mar 27, 2014 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Can't get brokerage tax documents from Vanguard
Replies: 11
Views: 734

Re: Worried about the market

Hello, I've just opened my first IRA mutual fund with vanguard. I've invested in the lifestrategy growth fund (VASGX) However, I'm wondering if this is a bad time to jump in...it seems like the market is overvalued. With the feds pumping money into everything, I'm wondering if I made a mistake. Sho...
by frugaltype
Wed Mar 26, 2014 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worried about the market
Replies: 24
Views: 2443

Re: Sustainable wage increases over the long term?

Valuethinker wrote:TFR in the US has dropped sharply relatively recently? It was about 2.1 but my data may be old.


1.89 in 2011, I'm too lazy to look more. Below the replacement rate, for sure.
by frugaltype
Wed Mar 26, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sustainable wage increases over the long term?
Replies: 20
Views: 1898

Re: 62 years old - starting all over again

I think the OP is legit. Huge numbers of IT jobs were lost in SF when the dot com bubble burst. Things didn't get good again until recently, and then probably not for many 62 year olds. JW Been there, done that, at 57. I also think the OP is legit, although there seem to have been some questionable...
by frugaltype
Wed Mar 26, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 62 years old - starting all over again
Replies: 27
Views: 4585

Re: We Don't want to die with Money

Sorry if I'm no help, but I don't particularly *like* this topic. If I die in 20 or 30 years with a net worth of $1M, half of which is my principal residence, then I'm fine, just fine. I do not understand the mindset of folks who want to come as close to zero net worth as possible. Why not set up p...
by frugaltype
Wed Mar 26, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3967

Re: We Don't want to die with Money

technovelist wrote:Take all of your money and buy a single premium immediate life annuity.
Problem solved!


Unless the insurance company goes bankrupt.
by frugaltype
Wed Mar 26, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3967

Re: We Don't want to die with Money

birdy wrote: receiving around $50/year income from rental of farm property.


Are there some zeroes missing in there?
by frugaltype
Wed Mar 26, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 3967

Re: "Spinning Off" my 20 Year Old Son

This all started when on his 18th birthday, instead of having his party, I called for a room cleaning party, and mom and me helped him clean the pig pen. I had ask him repeatedly over 2 weeks to clean his room up. (fire hazard) That's why he moved out. Good luck to all you loving, caring parents. I...
by frugaltype
Wed Mar 26, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Spinning Off" my 20 Year Old Son
Replies: 71
Views: 6511

Re: "Spinning Off" my 20 Year Old Son

I am the OP. Just for the record, my situation does not derive from that situation. My kid IS a kid...and he does have teenager attitude often, but overall he's a good kid doing what we expect him to do. This isn't about punishing him. It's just about making him a bit more independent a bit earlier...
by frugaltype
Wed Mar 26, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Spinning Off" my 20 Year Old Son
Replies: 71
Views: 6511

Re: Do you work part time in retirement?

Wildebeest wrote:With people who fell on hard time and retired and have to go back to work to call it, but can not or do not have to work full time semi- retired.


I call someone who could be retired but chooses to work some of the time, semi-retired. It says nothing about their financial status to me.
by frugaltype
Wed Mar 26, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 4402

Re: Sustainable wage increases over the long term?

US is different from Europe in that labour force growth long run has been higher: US population rises by c. 1% pa due to higher immigration and a higher natural birth rate (I think in Europe only France gets close to US birth rate; maybe also Sweden). The U.S. birth rate is below the replacement ra...
by frugaltype
Wed Mar 26, 2014 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Sustainable wage increases over the long term?
Replies: 20
Views: 1898

Re: Sustainable wage increases over the long term?

Over the long-run, wages in the US have increased at the rate of inflation plus about 1/2 of 1% annually. To assume inflation + 2% is wishful thinking. I had been about to say the same thing, but according to the BLS-data-based chart above, real wages in the U.S. did double from 1945 to 1975, so 2%...
by frugaltype
Wed Mar 26, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Sustainable wage increases over the long term?
Replies: 20
Views: 1898

Re: Buying first home in SF - gut check

A lot of what is attractive about San Francisco is disappearing, as diversity, artists, etc. get driven out by tech people with astronomical salaries. I would not buy a house there now, since I value what's being destroyed. Also, there apparently have been attacks on the google buses and so forth. [...
by frugaltype
Wed Mar 26, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying first home in SF - gut check
Replies: 93
Views: 10238

Re: Should I take this new job?

Being young, and no attachements to your current area take the gamble, go to Chicago and experience it. Oh...and buy a good winter coat. Might I add - goose down gloves to keep your hands nice and toasty and a rabbit fur or beaver hat - you will need it with the lake effect and wind. Or synthetic a...
by frugaltype
Wed Mar 26, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I take this new job?
Replies: 15
Views: 1352

Re: homeowner's insurance up 20+%

Have people continued to insure for replacement of home or would you switch to insuring for a set $X and just walk when disaster strikes and the home is destroyed? I've continued to insure for replacement value. I'm attached to this house as it is the long time family home. Also, compared to the pr...
by frugaltype
Wed Mar 26, 2014 6:43 am
 
Forum: Personal Finance (Not Investing)
Topic: homeowner's insurance up 20+%
Replies: 11
Views: 1052

Re: Should I take this new job?

Is it normal nowadays to not get an increase in pay when changing jobs? That would be very odd in my working lifetime years ago.

A year and a half is not long in terms of a promotion, unless you really excel.

I would find out more about the smaller company before deciding.
by frugaltype
Wed Mar 26, 2014 6:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I take this new job?
Replies: 15
Views: 1352

Re: homeowner's insurance up 20+%

The country can't have disaster after disaster without insurance rates going up.

I don't have Amica for homeowners because they no longer write new policies for houses close to the water, but my homeowners went up 15% last year.
by frugaltype
Tue Mar 25, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: homeowner's insurance up 20+%
Replies: 11
Views: 1052

Re: Car buying experience. Do I have a case to sue the deal

Glad this worked out for you. By the way, buying a new car is no guarantee. Years ago I bought a new car, my first after college, and it kept going into neutral randomly. I must have taken it back to the dealer three or four times, each time they said they'd fixed it and they hadn't. One time it was...
by frugaltype
Tue Mar 25, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Car buying experience. Do I have a case to sue the dealer?
Replies: 40
Views: 4683

$8.03! I'm rich!

I get an email from Amazon that they have credited my account with $8.03, due to some e-book lawsuit settlement. But if I don't spend it in a year, I lose it. Of course, I'll probably spend it tomorrow, but I am curious, is there any reason for this limitation other than for either amazon or the def...
by frugaltype
Tue Mar 25, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: $8.03! I'm rich!
Replies: 3
Views: 1321

Re: Advice on Parent Entering Assisted Living

Without becoming political it would seem that our country needs to take a more active role in ensuring that seniors check out with some modicum of dignity. Medicare is basically worthless in these situations as it pays for so little. I'm sorry you have to handle this. But Medicare is very upfront e...
by frugaltype
Tue Mar 25, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Parent Entering Assisted Living
Replies: 25
Views: 2564

Re: Letting go: Classic textbooks

I understand. I gave up most of my business and accounting books years ago after debating for many years. Once I realized the tax code and financial accounting rules changed just about every year and that the textbooks were out of date I moved on. My bookshelf is much lighter. I donated to our loca...
by frugaltype
Tue Mar 25, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: Letting go: Classic textbooks
Replies: 54
Views: 4190

Re: Do you work part time in retirement?

I retired 10 years ago due to company closure.I've been working P/T at my local public library for the last 8 years.I enjoy working with the public and It's been the only thing I look forward to doing. I would love to do this, and the local library really needs my IT knowledge, but it is not even p...
by frugaltype
Tue Mar 25, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 4402

Re: Filing a Social Security Restricted Application

Given this thread, I don't want to hear any more whining about the marriage penalty on income tax! :D
by frugaltype
Tue Mar 25, 2014 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Filing a Social Security Restricted Application
Replies: 10
Views: 973

Re: Surrender life insurance?

[OT comment removed by admin LadyGeek]
by frugaltype
Tue Mar 25, 2014 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Surrender life insurance?
Replies: 4
Views: 520

Re: Tough college choice

URI, which has a close relationship with RISD.

http://www.uri.edu/hss/tmd/grads.html
by frugaltype
Mon Mar 24, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 72
Views: 16981

Re: Tough college choice

self deleted.
by frugaltype
Mon Mar 24, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 72
Views: 16981

Re: Convince me to get a credit card

I no longer use cash, except for a few $5 and $1 bills I keep in my car for tips or to chip in with co-workers for food brought into the office. My car was trapped in a parking area where the automated machine to process ticket payments had stopped reading any credit cards. I guess it would still b...
by frugaltype
Mon Mar 24, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 101
Views: 50541

Re: Car buying experience. Do I have a case to sue the deal

I'm not a lawyer but I can't see you having much of a case against the dealer if they are willing to fix the issues and you refuse. Your chances of having a court forcing them to buy back the car, beyond anything you negotiate with them directly are probably slim to none. Under the UCC language you...
by frugaltype
Mon Mar 24, 2014 7:30 am
 
Forum: Personal Consumer Issues
Topic: Car buying experience. Do I have a case to sue the dealer?
Replies: 40
Views: 4683

Re: Amazon Prime Increase

mhc wrote:
frugaltype wrote:And stuff that's crucial and the world will end if I lose it, I generally have more than one of. Not refrigerators, of course, but I suspect you aren't ordering those via Prime.


Could you forward me your calendar for when things will break or be lost by a child?


See original remark.
by frugaltype
Sun Mar 23, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 9539

Re: IRS Refund Fraud

I don't know about you but most of the taxpayers whose returns I prepare don't make a lot of money and need the refund to pay expenses. Why should they wait an extra week for the return of their own money which under IRS rules makes them overpay their withholding. Way to fix the problem is to reduc...
by frugaltype
Sun Mar 23, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Refund Fraud
Replies: 41
Views: 3861

Re: IRS Refund Fraud

BrandonBogle wrote:I would recommend putting at least fraud alerts on your wife's credit reports. We put freezes on my mom's since the lady tried to open cards and called into some of my mom's credit card companies saying she lost her card and needed a new one at an alternate address.


female.
by frugaltype
Sun Mar 23, 2014 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Refund Fraud
Replies: 41
Views: 3861

Re: Installing Win8.1 on an old PC - one successful data poi

johng wrote:I decided not to buy a new PC mainly because my existing desktop PC was built to be extremely quiet. To get another super-quiet PC was not going to be cheap.


My thinkpads are silent. I have to hold the one I'm using about one inch away from my ear to hear anything.
by frugaltype
Sun Mar 23, 2014 8:29 am
 
Forum: Personal Consumer Issues
Topic: Installing Win8.1 on an old PC - one successful data point
Replies: 24
Views: 1874

Re: 8% ROI needed

80000/500 = 160 months. How old is the mom?

By the way, if you find a safe investment returning 8%, let me know. Heck, 4% let me know.
by frugaltype
Sun Mar 23, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 8% ROI needed
Replies: 28
Views: 4034

Re: Amazon Prime Increase

I often have the opposite experience. Last thing I bought at Lowes was seeds. It was quite easy, even including driving time to peruse them all and select the ones I wanted. I think to buy off Amazon you'd have to look up each individual packet. That would take forever. There are nice seed/garden s...
by frugaltype
Sun Mar 23, 2014 8:21 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 9539

Re: Amazon Prime Increase

Here are some examples of things that fall in in between immediate and 1 week: 1. Leaving on a trip in 4 days, need some items, and too busy to go to the store (working long hours to finish a project at work before leaving for vacation) 2. On vacation at a hotel or relatives house for a few days an...
by frugaltype
Sun Mar 23, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 9539

Re: Any experience pricing yourself out of a neighborhood?

I just hope you don't turn yours into a monster house out of size scale with the other houses in the neighborhood. The last neighborhood I lived in had that happen. I thought my present neighborhood had escaped this, but there's a completely out of scale house like a blight on the landscape a couple...
by frugaltype
Sun Mar 23, 2014 4:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Any experience pricing yourself out of a neighborhood?
Replies: 15
Views: 2704

Re: Healthcare & HSA Math Assistance

wanderlust wrote:I recently learned my family is entitled to free health care for life, so am looking at dropping my employer plan.


Are you sure this is going to be there for the entirety of your family's life?
by frugaltype
Sat Mar 22, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Healthcare & HSA Math Assistance
Replies: 3
Views: 269

Re: Options for the medical grad but no residency

Does she qualify to be an RN with no or little additional training?
by frugaltype
Sat Mar 22, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 9300

Re: Cheap UPC scanner to inventory home library / DVD collec

TimeRunner wrote:Another approach: Sorted out the books so that only a few remain - the rest went to the local library (for accessioning) or library friends group (for fundraising).


+1 I have been taking grocery bag after grocery bag of paper books to the library these recent weeks, more to go.
by frugaltype
Sat Mar 22, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Cheap UPC scanner to inventory home library / DVD collection
Replies: 7
Views: 945

Re:

LynnC wrote:The other side of this coin, are the telemarketers just trying to make a living and pay their bills.

LynnC


Maybe those nice telemarketers should take up burglary. :oops:
by frugaltype
Sat Mar 22, 2014 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Telephone Harassment
Replies: 36
Views: 5279

Re: Charity sent wrong amount, taxes already filed

A charity that i give to miscalculated my giving by $2000. They just sent me an update. (Yes I should have noticed.) I always use the number from my own records when I do my taxes. I do check, of course, that checks, credit card payments, have been processed. This is just my paranoia. But I did not...
by frugaltype
Sat Mar 22, 2014 6:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Charity sent wrong amount, taxes already filed
Replies: 7
Views: 619

Re: POLL: Do you have a financial advisor?

My portfolio at one time was 2 figures - that's right, $20! If anything, those who have less, start with less should use these polls as a motivating factor to save more, invest more, earn more. Don't be discouraged, we all were crawling before we walked, we were walking before we ran. Things take t...
by frugaltype
Fri Mar 21, 2014 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you have a financial advisor?
Replies: 37
Views: 2183

Re: Would you buy this immediate annuity at age 80?

You are in the land of subjective decisions. I almost died in 2010 (age 58) and had a 4% chance of dying before 2011. If I live to be your age I will be grateful. I was given six months to live in 2007. Modern medicine has a lot in common with voodoo. I would not base my plans on it except in rare ...
by frugaltype
Fri Mar 21, 2014 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you buy this immediate annuity at age 80?
Replies: 14
Views: 1625
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