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Re: Urgent Care Centers - When should they be used?

The problem with urgent care centers is that unless your condition is super obvious they do not want to take any malpractice risk and will send you to the er for further evaluation. Any condition that could possibly be serious will result in an uc bill and an ER bill. SO if you have chest pain, sho...
by fsrph
Sun Mar 22, 2015 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 3594

Re: What's a good digital antenna?

Here's advice from Consumer Reports: http://www.consumerreports.org/cro/news/2009/02/dtv-tips-choosing-and-using-an-antenna/index.htm We used the link in the article to see how close our home was to local stations Based on this information, I bought the cheapest rabbit ears antenna I could find ($9...
by fsrph
Tue Mar 17, 2015 7:37 pm
 
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 2084

Re: If I Knew Then What I Know Now

Thanks for posting this. Really enjoyed reading your thoughts.

Francis
by fsrph
Sun Mar 15, 2015 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 51
Views: 7287

Driveway frost heave

Think I have frost heave in my driveway between the curb and the sidewalk. Two large concrete blocks form the area from the sidewalk to the curb. These blocks were level with the sidewalk but now they are about 1 to 1 1/2 inches above the sidewalk. Here's the problem. When backing out with one of my...
by fsrph
Thu Mar 12, 2015 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Driveway frost heave
Replies: 2
Views: 481

Re: Will you buy an Apple Watch?

No. Really not interested at all.

Francis
by fsrph
Tue Mar 10, 2015 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 318
Views: 15878

Re: Thinking of buying electric shaver

Can't help with a specific model - that depends on what you want to spend. But the brand Braun has served me well over they years. My Braun is still going strong after 7 years.

Francis
by fsrph
Sun Mar 08, 2015 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of buying electric shaver
Replies: 29
Views: 1743

Re: Just cut my cable bill...

All the bragging about "cutting cable" doesn't impress me. I would be impressed if one is able to cut cable and internet, because most people are essentially replacing cable with high-speed internet. When I dropped Comcast I already had Internet with Verizon for my home computer. I then u...
by fsrph
Sun Mar 08, 2015 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5378

Re: When you put some credit cards in a drawer and not use t

stan1 wrote:I use the ones I want to keep open at least once per year. I have had accounts close due to non-usage.


That's what I do too. Use dormant cc once a year to keep it active.

Francis
by fsrph
Sat Mar 07, 2015 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1863

Re: How Many Credit Cards Do You Actually Use?

Use Penfed cc for everything. Have second cc I use once a year keep it active.

Francis
by fsrph
Sat Mar 07, 2015 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Actually Use?
Replies: 67
Views: 4445

Re: Is this ethical?

If the phones end up in a landfill, it does not help anyone. It's bad for the environment and it's just lost money. That would be the alternative. I don't think that is a good outcome. That is not the only alternative. Your company is basing the value of the phones based on what the first recycled ...
by fsrph
Sat Mar 07, 2015 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Is this ethical? [Selling company equipment to be disposed]
Replies: 41
Views: 1975

Re: Just cut my cable bill...

I ditched Comcast cable over a year ago. Don't regret it all. Have a setup similar to yours. Antenna for local channels, the HD is great. Use a Sony Blu-ray player for Netflix, You Tube and other apps. I have Comcast too. How much are you paying for your internet from them so that you can still hav...
by fsrph
Sat Mar 07, 2015 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5378

Re: Just cut my cable bill...

I ditched Comcast cable over a year ago. Don't regret it all. Have a setup similar to yours. Antenna for local channels, the HD is great. Use a Sony Blu-ray player for Netflix, You Tube and other apps. I miss some big live sporting events as they seen to be migrating to cable. For example college fo...
by fsrph
Sat Mar 07, 2015 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5378

ER - How did you know it was time?

How did you know it was time to retire early? I realize you need enough income sources for ER but let's assume that's taken care of. How do you decide when it's time to cut ties with your job? More info about myself. I'll be 56 in August and generally liked working. The last several years have been ...
by fsrph
Sat Mar 07, 2015 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: ER - How did you know it was time?
Replies: 6
Views: 646

Re: If you have $1 million...

Don't know if I can answer with the choices given. Having xmillion does not necessarily mean I want a new car. I buy cars new and keep them a long time. If I suddenly doubled my net worth I would not buy a new car. That's because I don't need one. I'm happy with what I have.

Francis
by fsrph
Thu Mar 05, 2015 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6236

Re: Taylor Larimore Honored

Congratulations Taylor! You are well deserving of your honors not only in your sailing ability but also in the investment community. Thanks for all you do for us Bogleheads.

Francis
by fsrph
Tue Mar 03, 2015 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 4874

Re: Father / Son Deep Sea Fishing Trip

Well if you like deep sea fishing and beer why not Key West? Or maybe Islamorada in the Florida Keys? Key West is more built up than Isloramada with lots of bars and lots of fishing charters. Prices are much higher in winter so perhaps a good time to go is spring or fall. http://www.fla-keys.com/lis...
by fsrph
Thu Feb 26, 2015 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 1394

Re: Subaru and Consumer Reports ratings

I bought a leftover 2010 Forester with the premium trim. Only option was All weather package. Couldn't be happier. It is absolutely great in the snow. I have the manual transmission with the large sunroof. If you're into a big sunroof this is the vehicle for you. Only oil changes and wiper blades fo...
by fsrph
Wed Feb 25, 2015 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 8933

Re: Tobyhanna (Valor)-did they change conditions of 7 year C

What would concern me more is the possibility of a new and improved "redemption fee" upon maturity. I've become accustomed to the (relatively) modest fees credit unions and banks charge to transfer your CD funds elsewhere upon maturity (usually in the neighborhood of $25). But what if the...
by fsrph
Mon Feb 16, 2015 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: Tobyhanna (Valor)-did they change conditions of 7 year CD?
Replies: 11
Views: 1011

Re: Tobyhanna (Valor)-did they change conditions of 7 year C

john94549 wrote:I suspect you have read this, but, if not:

https://www.depositaccounts.com/blog/20 ... e-cds.html


Yes I have. I alerted Ken at Depositaccounts.com and he took it from there. He wrote a great article.

Francis
by fsrph
Mon Feb 16, 2015 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: Tobyhanna (Valor)-did they change conditions of 7 year CD?
Replies: 11
Views: 1011

Tobyhanna (Valor)-did they change conditions of 7 year CD?

I, and others here, invested in the Tobyhanna 7 year 3% CD. It was unique in that you can make additional deposits anytime during the term. That was an appealing option to me. In the mail, I received a new fee schedule which starts on 3/17/15 that states "Certificate Deposits - fee assessed on ...
by fsrph
Sun Feb 15, 2015 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Tobyhanna (Valor)-did they change conditions of 7 year CD?
Replies: 11
Views: 1011

Re: How to interact with medical establishment

I haven't spoken with the Dr. Who performed the surgery. I don't have a follow up appointment with him. He is a specialist located far away; the plan was that I would do follow up in my home town. I called my primary care physician. I wanted to discuss what was going on and find out what he thought...
by fsrph
Sat Feb 14, 2015 6:03 am
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2894

Re: Purchasing Tickets For US Open

If you want to really experience the US Open, I would go during the first weekend. There are many matches going on. You get to see many good players (not the top ones) playing on the outside courts. I personally don't even like going into the main stadium. It is way to big. My favorite day to go is...
by fsrph
Tue Feb 10, 2015 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing Tickets For US Open
Replies: 7
Views: 433

Re: Bank Deposit - Receipt

My bank always gives a deposit receipt. If your bank doesn't routinely give one can't you simply request one? Especially for large deposits. I can't image them saying no.

Francis
by fsrph
Mon Feb 09, 2015 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Deposit - Receipt
Replies: 21
Views: 1438

Re: AAA Car Batteries

If their batteries are only lasting 3 years or less, then they are not very good batteries. However, you are paying the price for a good battery. Jeff I agree. Three years is on the short end of the life of a car battery. I have been wondering if I should just replace a car battery after six years ...
by fsrph
Sat Feb 07, 2015 10:57 pm
 
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 12
Views: 1178

Turbo Tax - schedule D now no extra cost

[Thread merged into here, see below. --admin LadyGeek] Received this email from Turbo Tax today. Seems like they reversed course and are now making available Schedule D and others at no extra cost. Dear xxxxx, We recently tried to explain the changes made to our TurboTax desktop software and apolog...
by fsrph
Thu Feb 05, 2015 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 31119

Re: Vanguard Wellesley Fund

I own Wellesley and and very happy with it. Consistent long term performance. Sometimes I think of putting a great amount of my portfolio in Wellesley and let it ride.

Francis
by fsrph
Wed Feb 04, 2015 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Fund
Replies: 19
Views: 4202

Re: Retire middle of year - How to sign up for ACA?

Watty wrote:Remember to factor in your deductibles in deciding to go with Cobra or ACA.

If you start with a new ACA policy in the middle of the year you will have to start your 2015 deductible with the new policy all over again.


Good point, thanks. Lots of variables to consider.

Francis
by fsrph
Tue Feb 03, 2015 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1008

Re: Retire middle of year - How to sign up for ACA?

They will be looking at 2015 MAGI, Yes and No. Your tax credit will be based on your 2015 income. When you enroll they may use your reported 2014 income - since that is what they have - and grant or not grant an advance premium assistance based on that. I'm retired and expect to have a qualifying i...
by fsrph
Tue Feb 03, 2015 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1008

Re: Retire middle of year - How to sign up for ACA?

OP, You may not want to game things to this degree but one could rely on the 60 day grace period for COBRA before obtaining ACA coverage. There is exemption from the ACA penalty for short periods of being uninsured. Thanks, I didn't know that. I posted at the same time below that COBRA from my empl...
by fsrph
Tue Feb 03, 2015 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1008

Re: Retire middle of year - How to sign up for ACA?

while it is technically correct that if you sign up by April 20 you are eligible for coverage May 1st, I would strongly encourage you to sign up early in the month that you will loose coverage, particularly before the 15th of the month. There have been problems with people signing up at the end of ...
by fsrph
Tue Feb 03, 2015 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1008

Re: Retire middle of year - How to sign up for ACA?

One other warning - IRS looks at annual income(MAGI) when calculating how much subsidy you receive. Yes I know about MAGI. They will be looking at 2015 MAGI, am I correct? If I only work 4 or 5 months and max out my 401k and do a deductible ira there isn't much income to report. That's why I think ...
by fsrph
Tue Feb 03, 2015 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1008

Re: Retire middle of year - How to sign up for ACA?

Once you know the termination date of your existing coverage you can sign up for an ACA plan. One of the application questions asks if you are losing coverage in the next 60 days. The policy will become effective the first of the month after the date the application was submitted (ex: group coverag...
by fsrph
Tue Feb 03, 2015 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1008

Retire middle of year - How to sign up for ACA?

Thinking about retiring in the middle of this year but have to continue health insurance. I could use COBRA but the cost is much more than ACA. I did some research on the aca site and I would qualify for a small subsidy. Let's say I want to begin ACA coverage on May 1st. I'll have my insurance from ...
by fsrph
Tue Feb 03, 2015 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1008

Re: POLL: How Will You Complete Your 2014 Taxes?

Reluctantly Turbo Tax, due to the changes in pricing. Have used TT in previous years. I planned to check out the other popular software but it's important that previous years returns are recognized. Just easier to use TT again.

Francis
by fsrph
Sat Jan 31, 2015 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 4896

Re: What mutual fund companies do you use?

Vanguard
401k at work must be at Principal. When I retire that will be moved to Vanguard as well.

Francis
by fsrph
Wed Jan 28, 2015 10:43 pm
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 3250

Re: Amazon Prime - good deal or calculated conditioning

I'm sure some people buy more because of Prime and some don't. You save significant shipping costs with Prime on big items such as a lawnmower. But is that the best way to buy a lawnmower? To me it isn't. Prime is a tool. If you use Prime for items you would otherwise buy that's great. But control y...
by fsrph
Wed Jan 28, 2015 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 2958

Re: "When you've won the game, stop playing"

Thanks for posting this Taylor. It sort of backs up how I've been thinking. I have more than my age in bonds. I consider CD's as part of my bond allocation. All CD's are 3%, thank you Penfed. I don't need to take on a more aggressive portfolio.

Francis
by fsrph
Tue Jan 20, 2015 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8700

Re: Suze Orman: $100 into $860k, and cfiresim

This concept could be applied to many aspects of your life. How much would you save if you has a short commute to work your whole working life? The common thread is to control spending.

Francis
by fsrph
Mon Jan 19, 2015 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5261

Re: Florida in the summer

It's hard to generalize about Florida summer heat. We need to know what specific area you are interested in, especially if the area is near the ocean or Gulf. I have been visiting South Florida, both East and west coast for years. Let's take coastal SW FL. It's hot in the summer, generally between 9...
by fsrph
Sun Jan 18, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5635

Re: Larry's New Book On Sale

Thanks - always like reading Larry's writings.

Francis
by fsrph
Sat Jan 17, 2015 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Larry's New Book On Sale
Replies: 10
Views: 1815

Re: Getting deposed -- do I need to hire my own lawyer?

If you need your own lawyer, who knows? Depends on the complexity of the case and what the opposition thinks you know. Your previous company offered a lawyer. Instead I'd ask them to foot the bill for a lawyer of your choice. One that represents solely your interests.

Francis
by fsrph
Sat Jan 17, 2015 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4602

Re: Taxact ultimate version $6

mikep wrote:I noticed $6 is removed from the linked page. Is the deal dead now? My account is still showing the $6 price.


I tried and the $6 deal is not on the linked page either. It is charging me $17.99.

Francis
by fsrph
Thu Jan 15, 2015 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 3054

Re: Taxact ultimate version $6

iWantToLearn wrote:
What a deal! Hopefully it's an easy switch and transition from TT.


I'm interested in this too. Is it easy to use TaxAct if I've previously used TT? I'd switch in a heartbeat if it is.

Francis
by fsrph
Thu Jan 15, 2015 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 3054

Re: Dazed, Confused and Upset

I would call up Vanguard Concierge services (with EJ statement/account info in hand) and have them initiate the transfer. I would do this also. Vanguard has always been great when I transfered funds to them. In fact, when I did a rollover they did all the work. I wouldn't worry what the sales rep f...
by fsrph
Tue Jan 13, 2015 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6391

Re: Poll: Do you own I Bonds?

Yes I own them. I was fortunate to buy them many years ago when they had a great fixed rate. I did not buy more as fixed rates declined.

Francis
by fsrph
Fri Jan 09, 2015 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5583

Re: Emergency Road Service..........

I have AAA. Was debating renewing this year because I haven't had to use them in years. I decided to renew. Wouldn't you know it, Jan 3rd I had to call them. The service was great as it has been in the past. Another post mentioned geico road service. I have geico car insurance maybe I'll check out t...
by fsrph
Fri Jan 09, 2015 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Emergency Road Service..........
Replies: 36
Views: 2930

Re: Florida West Coast vacation with small kids

I'd recommend the Marco Island Marriott. Great place for kids. The Gulf water usually has gentle waves too. This hotel is right on the beach and has lots of kids activities. It's not cheap during the high season. If you're interested I'd recommend booking well in advance, it sells out often. http://...
by fsrph
Fri Jan 09, 2015 10:09 am
 
Forum: Personal Consumer Issues
Topic: Florida West Coast vacation with small kids
Replies: 24
Views: 2678

Re: Selling mineral rights to land?

I'm not a land man, but $5K with no royalties is a suckers offer - don't take it. My guess is your 11 acres is sitting right smack dab in the midst of the Marcellus shale which is loaded with gas and depending on what part of the shale possibly could have high value liquids as well. Do you need $5K...
by fsrph
Thu Jan 08, 2015 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling mineral rights to land?
Replies: 55
Views: 7002

Re: Best family friendly east coast resorts

It's not much North of the Keys but the Marco Island Marriott is great. Lots of kids activities. Not cheap in the high season tho.
http://www.marriott.com/hotels/travel/m ... b-and-spa/

Francis
by fsrph
Thu Jan 08, 2015 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Best family friendly east coast resorts
Replies: 8
Views: 1070

What's in your car emergency kit?

With winter weather here was wondering what do you keep in your car emergency kit (if you have one). I keep a flashlight, fix a flat spray, oil, small tool kit and jumper cables. I was thinking of adding a small air compressor or possibly an air compressor/power jumper combo. Is this overkill? What ...
by fsrph
Thu Jan 08, 2015 3:06 pm
 
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 4117
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