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Re: Indoor tankless water heater recommendations

I have considered changing to a tank less natural gas water heater but I just cannot make it work. At the present I have a NG 55 gal water heater that is mounted in my garage and it runs (when required) 24/7. This is a copy of my last months gas bill. 10.53 Therms Used. Customer Charge $10.00 Gas En...
by meebers
Fri Oct 10, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Indoor tankless water heater recommendations
Replies: 29
Views: 1919

Re: Air Purifier for Allergies

Similar problem with allergies. To "fix" the problem , I went to an allergist, got tested, found out what I was allergic to and the Doc mixed up a batch that was injected into my arm on a weekly basis. (Wife is medical and Sunday's she would do the deed) :wink: The "batch" became...
by meebers
Tue Sep 16, 2014 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 2019

Re: Revocable trust

I am finding out that each state has different laws governing the handling of revocable trusts. I am in Florida and the State legislature keeps changing the rules which means, to most lawyers, that these legal documents are out of date and need to be updated. :dollar So the main question is: What i...
by meebers
Mon Sep 15, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Revocable trust
Replies: 13
Views: 1103

Re: Revocable trust

I am finding out that each state has different laws governing the handling of revocable trusts. ,.....it was his opinion that a house in a trust does not protect it from probate. A local call in radio station aired a call from a homeowner that had his house in a trust and the homeowners insurance c...
by meebers
Mon Sep 15, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Revocable trust
Replies: 13
Views: 1103

Re: Hearing aids - for those that use them

I applied to the VA for hearing loss disability suffered while in the military. Mainly jet engine noise and big gun noise. At the same time I went to the local VA clinic for hearing loss appointment. The clinic was wonderful and performed a hearing test that indicated frequencies above 2500 dropped ...
by meebers
Mon Sep 15, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1835

Revocable trust

I am finding out that each state has different laws governing the handling of revocable trusts. I am in Florida and the State legislature keeps changing the rules which means, to most lawyers, that these legal documents are out of date and need to be updated. :dollar So the main question is: What it...
by meebers
Sat Sep 13, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: Revocable trust
Replies: 13
Views: 1103

Re: NFCU 1 year certificate (CD) 5% APY $5k max balance

I got a 5k cd and the wife got a 5 k cd. At the end of the year, I hope that both of us do not have to have a checking account and qualifying Direct Deposit to continue on with the 3% 1 yr cd? I will investigate 11 months from now. :happy Now that we joined yesterday (joint account), we each receive...
by meebers
Fri Sep 05, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3416

Re: NFCU 1 year certificate (CD) 5% APY $5k max balance

Retired AF, will double check tomorrow with checks in hand.

UpDATE: Went to local office today, not a problem getting 2 CD's.
by meebers
Wed Sep 03, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3416

Re: Google Voice Not Supported on OBi Devices After May 15 2

My phone still works on inbound, however a voice now says please press 2 followed by the phone number you want to call. Also, my dial tone makes 10 dial tone beeps before it becomes steady? It used to be steady immediately upon off hook. Do I need to make any changes in my set up since google said t...
by meebers
Tue Aug 19, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 102
Views: 11324

Re: Giving back, charity, and similar

I volunteer to 2 non profit organizations over the past 14 years. I think it is a win/win.
by meebers
Tue Aug 19, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Giving back, charity, and similar
Replies: 22
Views: 1566

Re: How important is my insurance agent?

My SF agent never seemed to be in the office, but was able to get service from his staff. As time went on, my sons/daughters got their insurance from the same guy. One of my son's had his truck "joy ridden" and was destroyed. Now the agent would not help us other than to direct us to the r...
by meebers
Mon Aug 11, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 2206

Re: Changing queen size to king size

If you don't care about the side rails or a bit of kludgery, consider this plan: Disassemble bed Attach headboard to wall behind bed Attach king-width 2x4 across width of headboard Lay down standard metal king bed frame (cheap) Attach head of frame to 2x4 Attach another 2x4 to foot of frame Attach ...
by meebers
Mon Aug 11, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Changing queen size to king size
Replies: 9
Views: 1255

Re: Telephone Calls! Help! [Telemarketing phone calls]

I have land line thru my cable co. It offers a call blocking service that I can add numbers thru their website. I use the caller id on either my answering machine or thru an app provided by the cable co to add #'s to the list.
by meebers
Sun Aug 10, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7634

Re: Poll - Do you use Quicken?

I have used quicken for many many years. Diverted to Money for a couple of years and then back to quicken. I also use excel for analysis and what if's. Only buy it every 3 years.
by meebers
Sun Aug 10, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 85
Views: 5429

Changing queen size to king size

We have Kincaid furniture, big 4 post queen size bed. This bed has wooden side rails. Has anybody been successful in converting a queen size bed frame like this to king size. Modifications would be changing the width from 60x80 to 76x80. Buying a king size frame would be first. Wife does no want to ...
by meebers
Sun Aug 10, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Changing queen size to king size
Replies: 9
Views: 1255

Re: Sources for Discovering Dishwasher Quality

We have a builders grade Maytag DW that was installed in 2000. It acted up once, pulled it out and looked at it, seen nothing, put it back in and is still working. :D
by meebers
Sun Aug 10, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Sources for Discovering Dishwasher Quality
Replies: 36
Views: 1990

Re: Another water heater query - hybrid water heaters

I cannot justify anything but a standard natural gas water heater. I have a 50 gal unit in the garage. With the exception of the gas fireplace that is used in the winter, my gas bill is about $30 a month for hot water. The actual gas that is used is about $12-15 while the remaining part of the charg...
by meebers
Mon Jun 09, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Another water heater query - hybrid water heaters
Replies: 36
Views: 3552

Re: Where to Put Emergency Fund?

I am with Sallie Mae Bank MM account. Have been with them for 4 yrs. Currently 0.90 % www.salliemae.com/banking/
by meebers
Tue Jun 03, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to Put Emergency Fund?
Replies: 18
Views: 1975

Re: Garden 2014

My corn is about 5ft now, some showing 3 silks, but something is eating the leaves. What is commonly used to stop these critters?
by meebers
Tue Jun 03, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 4708

Re: What is the best brand of 3 ton air conditioner & furnac

"You get the same warranty." Are you sure about that? I have been looking at mini split systems for the purpose of making my garage/shop usable more of the year, and I've found that they usually requires that a dealer handle the entire installation for the warranty to be valid. There are a...
by meebers
Fri May 16, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 2838

Re: What is the best brand of 3 ton air conditioner & furnac

You can buy perfectly good new air conditioner units and furnaces online (even eBay) and have them shipped for a fraction of the cost of buying through a contractor or even Home Depot. I have a friend who recently put a complete unit in a rental house for $1,200. total cost. He got the condensing u...
by meebers
Fri May 16, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 2838

Re: What is the best brand of 3 ton air conditioner & furnac

Costco currently has a promotion going on for Lennox HVAC units that include a $1000 - $1500 Costco cash card rebate incentive. As I understand it this would be in addition to any utility company or factory rebate if any. Not only Costco but other big box stores offer HVAC installs and I wonder, wo...
by meebers
Fri May 16, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 2838

Re: payWave cards

Ok on the Utube video, wonder why he did not just drill a hole. :mrgreen: Tx.
by meebers
Sat Apr 19, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: payWave cards
Replies: 15
Views: 1001

Re: Where to put RMDs in budget?

I "transfer" my RMD to a taxable investment account with the same organization (VG). They will set it up automatically for you each year at the time(s) you want. In quicken then, XFR to the gaining account. If you need more detail, the withholding goes to a tax account, expense it out when...
by meebers
Sat Apr 19, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put RMDs in budget?
Replies: 16
Views: 1111

Re: POLL: If Eligible For Social Security .....

When I did mine age 62, (I retired at 55) I ran a simple spread sheet starting with ~75% of my total benefits and ran it till I was about 90. In other columns I ran the same thing for age 65.5 & 70 starting on my birth month. In my analysis, even though I drew less than if I waited till another ...
by meebers
Sat Apr 19, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: If Eligible For Social Security .....
Replies: 71
Views: 4785

payWave cards

My credit union has issued me new cards after 2 incidents of possible fraudulent activity (Target etc) My latest card has a "feature" called payWave. Swipe it and be on your way so states the marketing brochure. I just don't feel comfortable with this new card, don't want to walk around wi...
by meebers
Sat Apr 19, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: payWave cards
Replies: 15
Views: 1001

Re: How to account for an annuity ?

I treated my annuities as an asset in Quicken. My yearly payout is deducted from the total amount. The year end FMV is then added back in.
by meebers
Sun Apr 06, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 2928

Re: Windows XP to Linux Question with existing HW

In the past, I have tried various versions of Linux and basically gave up on it. Last week, I tried Linux Mint 14 on my old XP machine. It self installed without a hitch, configured itself and is very user friendly. This one also, writes an iso to a dvd and you can start up your system with just the...
by meebers
Sun Apr 06, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 3350

Re: best tips for passwords?

How many hackers are trying to defeat lastpass? What makes a symbol "/" harder for a computer to find than an "A"?
by meebers
Fri Mar 07, 2014 6:50 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 11314

Re: Hit a milestone today. Thanks Bogleheads!

Just finished my taxes for this year. Shocked, made the most money ever in my life. Been retired 15 yrs, no w2's, just good (lucky??) investments on my own.
by meebers
Fri Mar 07, 2014 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: Hit a milestone today. Thanks Bogleheads!
Replies: 31
Views: 5034

Re: I'm feeling old today

I remember before tv. When we finally got one, sylvania halo light, we would turn on the Tv @ 4pm and stare at the test pattern until 5pm when programming started. 11pm national anthem then snow. :?
by meebers
Sun Feb 16, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 7271

Re: Reasons why you're choosing your tax software this year

Been using TA for as long as I can remember. I usually get an online offer from them for $9.95. I have used different on line free versions as a comparison and the end result is the same.
by meebers
Sat Feb 15, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Reasons why you're choosing your tax software this year
Replies: 39
Views: 2030

Re: If Not TurboTax, What?

I have been using $9.95 Tax Act for years. Last year did a "test" file on line with TT and compared the results. Exactly the same.
by meebers
Sun Dec 08, 2013 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: If Not TurboTax, What?
Replies: 143
Views: 13151

Re: Poor PenFed Reviews

Took out a car loan with them (0.49%). There were questions on when the first payment would be taken out. I opted for automatic withdraw from my MM. They told me that I had to make the very first payment, which I did. They also took out the first payment from the MM. Now I have prepaid a month but s...
by meebers
Sun Dec 08, 2013 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 8183

Re: Transfer money Ally to Penfed - easiest way

1. Open up a money market fund at Ally. You can do this online and there is no minimum investment. 2. Transfer the $ from the Ally CD into the Ally money market account--I think you can do this online. If not, give them a call. 3. When you open the Penfed CD (also online) click the box for funding ...
by meebers
Wed Dec 04, 2013 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Transfer money Ally to Penfed - easiest way
Replies: 4
Views: 811

Re: Heat Pump Replacement Advice Please

If you have not already, have a look over here http://hvac-talk.com You post a question, several HVAC pro's answer, no body else is allowed to comment. And again here: http://forum.doityourself.com/heat-pumps-electric-home-heating-125/ A lot of great information at both sites when you are in the &qu...
by meebers
Wed Dec 04, 2013 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Heat Pump Replacement Advice Please
Replies: 20
Views: 1781

Re: trend following

Seven sample stock "factors", whats working and whats not. (sorry noob on posting pics) [image link fixed by admin LadyGeek] THANK YOU!
Image
by meebers
Wed Dec 04, 2013 7:12 pm
 
Forum: Investing - Theory, News & General
Topic: trend following
Replies: 72
Views: 3718

Re: Buying lunch [for others, anonymously]

So glad that this thread has got this response. It may sound "corny" but what goes around comes around. i.e. The wife and I were in line to a convention show, tickets were $10 each. A young lady approached us and asked if we were going into the show? Yes I said, she handed us 2 free ticket...
by meebers
Tue Nov 12, 2013 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Buying lunch [for others, anonymously]
Replies: 31
Views: 3361

Re: Buying lunch [for others, anonymously]

The problem with buying lunch for the folks behind you in the drive-thru is . . . what do you pay? Doubt I'd leave a credit card open, for whatever they might order. I suspect much of this is , as they say, urban legend. Usually the order is already placed and therefore the total is known. You are ...
by meebers
Tue Nov 12, 2013 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Buying lunch [for others, anonymously]
Replies: 31
Views: 3361

Buying lunch [for others, anonymously]

How many of you, if any, sit in a restaurant and look at other people, mostly couples, and pay their bill anonymously. The wife and I have great fun in doing this, although not often. Its sort of like people buy the car's "lunch" behind them at a drive thru.
by meebers
Fri Nov 08, 2013 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Buying lunch [for others, anonymously]
Replies: 31
Views: 3361

Re: iGoogle alternatives?

I am getting use to Yahoo set up "like" igoogle...will let it run for a while. They want permission from me to use google email on the page..thats not happening! I miss the email gadget box for google, but like the portfolio gadget much better. News gadgets are about the same.
by meebers
Mon Nov 04, 2013 10:49 pm
 
Forum: Personal Consumer Issues
Topic: iGoogle alternatives?
Replies: 21
Views: 2446

Re: Florida homeowners and Citizens Insurance

This is intended not to be political. I was with the company that the last governor would not allow premium increases. He invited them to leave the state. New governor allowed them to raise their prices x2 with existing customers. We quit, shopped and ended up with AAA, one of those companies that w...
by meebers
Mon Nov 04, 2013 10:39 pm
 
Forum: Personal Consumer Issues
Topic: Florida homeowners and Citizens Insurance
Replies: 17
Views: 1539

Re: wi fi range, extenders, Powerline, etc

I "rent" my cable modem from BHN. $3.50 monthly. I also live in the lightning capital of the world, the modem is first in line. I also subscribe to their telephone service. As much as I would like to use my own modem and then have to get a emta for the telephone, the dollars invested would...
by meebers
Mon Nov 04, 2013 10:03 pm
 
Forum: Personal Consumer Issues
Topic: wi fi range, extenders, Powerline, etc
Replies: 64
Views: 4001

Re: Are you an Iphone or Android guy?

3 android phones, 2 tablets. Never drank the mac juice.
by meebers
Sat Nov 02, 2013 7:58 pm
 
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 7438

Re: Target's Brightspot from T-Mobile.

The wife and I both have smart phones. We are on the pay as you go (golden plan) from T-mobile. There is nothing of urgency that warrants a text/data plan for us. We have home wifi and multiple free wifi spots in our area to get the job done. We can browse, text, email etc thru wifi
by meebers
Sat Nov 02, 2013 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Brightspot OR $30/unlimited web/text/100 min. from T-Mobile.
Replies: 26
Views: 3726

Re: The ACA and VA Health Care

Do you have a family that you also want coverage for (not covered by VA)? The VA charges me $50 every time I go to the VA +$ for medications. If I use medicare and Tricare it is close to 0. I am retired military, the VA covers some things that medicare/tricare do not.
by meebers
Sat Nov 02, 2013 7:37 pm
 
Forum: Personal Consumer Issues
Topic: The ACA and VA Health Care
Replies: 3
Views: 345

Re: Stay, switch or combine

Here is what Quicken and my Vanguard account page says: For 100K invested, $166 gain (LT) and $177 gain (ST) Total $344. You're making a mistake somehow. Using the Morningstar graphing tool on VWENX from 10/7/2011 to present shows a growth of $10,000 back then to $13,596 today, including reinvested...
by meebers
Tue Oct 08, 2013 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay, switch or combine
Replies: 17
Views: 1329

Re: Stay, switch or combine

Phineas J. Whoopee wrote:Should I sell the remaining value on my Ventra card to buy a Ford F-150?

PJW


That's easy...NO!
by meebers
Mon Oct 07, 2013 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay, switch or combine
Replies: 17
Views: 1329

Re: Stay, switch or combine

Here is what Quicken and my Vanguard account page says: For 100K invested, $166 gain (LT) and $177 gain (ST) Total $344.[/quote] You're making a mistake somehow. Using the Morningstar graphing tool on VWENX from 10/7/2011 to present shows a growth of $10,000 back then to $13,596 today, including rei...
by meebers
Mon Oct 07, 2013 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay, switch or combine
Replies: 17
Views: 1329

Re: Stay, switch or combine

BTW, you have VWIAX and VWENX reversed. As others have already said, the answer depends a lot on what you haven't told us, but I think it boils down to three things: ⋅ Are you happy with actively managed funds that lean heavily towards large value stocks as opposed to more broadly diversi...
by meebers
Mon Oct 07, 2013 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay, switch or combine
Replies: 17
Views: 1329
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