Search found 61 matches

by Magruder
Tue Sep 27, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3241

Re: Where to spend January-March in Winter??

Come on over and enjoy New Hampshire's White Mountains for the wintah! We have a dry cold compared to your Maine coast damp cold! Makes all the difference in the world! :D :D
by Magruder
Thu Sep 22, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Advice on Getting Deals for Tires
Replies: 10
Views: 987

Re: Advice on Getting Deals for Tires

Make sure the tires your replacing have lived up to the manufacturer's mileage warranty. I just had Michelin pay 60% of the price of four new tires because their 65,000 mile OEM tires wore out in about 24,000 miles on my Jeep Grand Cherokee!
by Magruder
Wed Sep 14, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Condo or ski house for summer / snowbird in winter
Replies: 4
Views: 793

Re: Condo or ski house for summer / snowbird in winter

Check out the White Mountains in NH. Maybe Lincoln. Lots of condos, close to 4 major ski areas! Great summer living in the heart of the White Mountains National Forest! Lots to do in the summer compared to Western Maine and the Sunday River area!
by Magruder
Mon Aug 01, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with excise tax on new cars?
Replies: 13
Views: 690

Re: Anyone familiar with excise tax on new cars?

Here in NH, vehicle excise tax is collected annually at the time of registration or re-registration. It is based on the vehicle's MSRP and age. The tax rate on a new car is 18 mils and then it drops 3 mils each year until it reaches 3 mils, and it then stays at that level forever. For example, the e...
by Magruder
Thu Jul 14, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 4192

Re: Do you have any retiree healthcare benefit from your employer?

Voluntarily retired at age 55 from Life Sciences biggie. Have HRA funded annually via Towers Watson (One Exchange). Spouse and I get a total subsidy of $3,300 per year to pay premiums on Medicare Part B, Part D, and/or Medigap policy. Any remaining balance can be used to reimburse out-of-pocket medi...
by Magruder
Thu Apr 07, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: Help with cleaning glass shower doors
Replies: 32
Views: 2790

Re: Help with cleaning glass shower doors

Use your mother's and grandmother's cleanser - Bon Ami! Made by the same folks as Barkeeper's Friend. Can be used on fiberglass tubs and shower stalls as well without scratching! No chlorine odor as in other cleansers like Comet.
by Magruder
Wed Feb 03, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 131
Views: 9462

Re: perfectly happy with cable

Happy here; HD tier with about 200 channels, Showtime, and basic 15 Mbps internet for $51 and change as a participant in a homeowner association bulk buy. 225 members; my monthly charge is included in association dues. Have to pay TW directly for set top box rental and any other upgrades.
by Magruder
Sun Dec 27, 2015 12:58 am
Forum: Personal Consumer Issues
Topic: First Time Travelling for Work- Looking for Tips/Advice/Suggestions
Replies: 39
Views: 2447

Re: First Time Travelling for Work- Looking for Tips/Advice/Suggestions

Never use your home address when checking in at hotels; use your office address instead!
by Magruder
Thu Oct 15, 2015 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: 50% pay increase to move from family, 5 years from retirment
Replies: 27
Views: 2821

Re: 50% pay increase to move from family, 5 years from retirment

We hesitated as well, until some friends said to us "Your kids and their kids will find you wherever you go!" We took heed, we did it, they continue to find us, and we've never looked back! By the way, living in tax-free New Hampshire's White Mountains is great! You all should have been he...
by Magruder
Fri Apr 24, 2015 6:29 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 4940

Re: Who still have Cable TV?

I have HD cable TV package including Showtime with basic internet and modem included from Time Warner for $51 per month. Group buy through homeowners association.
by Magruder
Sun Apr 19, 2015 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: [Who is Ameriprise? Got invitation from a financial advisor]
Replies: 32
Views: 3961

Re: Ameriprise

Not to steal the thread, but I've been trying to think of the name that the present Ameriprise operated under for many, many years. Anyone?
by Magruder
Tue Mar 31, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 41
Views: 4012

Re: Ad Blockers

Adblock, as opposed to Adblock Plus, on Chrome. No issues! Sweet! :happy
by Magruder
Mon Jan 12, 2015 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: For those under $20/month/$100k: What Insurance Comp?
Replies: 11
Views: 1923

Re: POLL: For those under $20/month/$100k: What Insurance Co

MMG Ins. Co. (Formerly Maine Mutual General Ins. Co.). I believe they only write policies in Maine & New Hampshire.
by Magruder
Mon Jan 12, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 5658

Re: POLL: Homeowners Ins cost $/month per $100k home value?

$18.88 per month per $100,000. $312,000 value,10 year old house in the mountains of New Hampshire.
by Magruder
Mon Dec 29, 2014 9:06 pm
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 7822

Re: What did you enjoy spending money on this year?

My grandchildren's college tuition!
by Magruder
Tue Oct 21, 2014 8:13 am
Forum: Personal Consumer Issues
Topic: Medigap Plan F, Hi-D
Replies: 5
Views: 721

Re: Medigap Plan F, Hi-D

I have this plan with Anthem BC/BS in New Hampshire. Pleased with it, and have saved money (so far) as compared to Plan F. Charges are first sent to Medicare, then to Anthem where they just apply the amount that Medicare indicates is owed by the patient to their deductible. Once the plan's deductibl...
by Magruder
Mon Aug 04, 2014 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Sensible planning for MediGap choices given price dispersion
Replies: 18
Views: 1083

Re: Sensible planning for MediGap choices given price disper

I remember being told many years ago that "Most insurance is sold, rather than bought." Given all the glossy mailings I have gotten from health care insurers, that could be a factor here!
by Magruder
Tue Jul 22, 2014 9:40 am
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 40
Views: 3705

Re: How to track expenses to the penny?

Quicken here too, but only since 1/1/90 - it has actually become a perverted hobby! Drives me crazy that I have to categorize about $100 per year as "Unaccounted For!" That reminds me, I'll have to check for change under the sofa cushions again this year!
by Magruder
Wed Jun 11, 2014 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Poll on Retiree's Health Insurance Plan
Replies: 21
Views: 1688

Re: Poll on Retiree's Health Insurance Plan

In addition to having Medicare, my ex-employer funds a Health Retirement Account (HRA) for me with $1600 tax-free per year and another $1600 for my spouse. I then choose a plan, Medicare Advantage or Medigap, from several offered thru a private exchange, chosen by the employer. The premiums are paid...
by Magruder
Tue May 27, 2014 4:36 pm
Forum: Personal Consumer Issues
Topic: Best Large Purchase(s) Ever?
Replies: 45
Views: 3821

Re: Best Large Purchase(s) Ever?

Other than homes, an airplane! Bought it, finished up my flying lessons in it, got my license in it, flew it for 4 years, got flying out of my system, and then sold it for a 50% premium four years later, altho the operating costs over the four year period ate up that "profit." Thus, learni...
by Magruder
Fri May 02, 2014 4:55 pm
Forum: Personal Consumer Issues
Topic: A Short Survey for Retirees
Replies: 75
Views: 7394

Re: A Short Survey for Retirees

I occasionally find myself still at work and still stressed out in my dreams, or should I say, nightmares! It's a bummer!
by Magruder
Fri Apr 18, 2014 11:29 am
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 3325

Re: Quicken 2014 opinions wanted

Upgraded from Q2011. In spite of the dire warnings, I've had no issues or problems.
by Magruder
Wed Apr 09, 2014 8:47 am
Forum: Personal Consumer Issues
Topic: Front License Plates for new Subaru
Replies: 8
Views: 1430

Re: Front License Plates for new Subaru

Was this not an American built car assembled in Indiana?
by Magruder
Sun Apr 06, 2014 4:21 pm
Forum: Personal Consumer Issues
Topic: Propane and HOA Costs for Home
Replies: 7
Views: 696

Re: Propane and HOA Costs for Home

Propane and HOA's go together! Here in NH, our 225 home association negotiates a 12 month propane price every year. Have been paying $1.64 per gallon since last August, while local individuals have been paying over $3.00 per gallon. We also have negotiated very good rates for cable TV and internet; ...
by Magruder
Tue Apr 01, 2014 2:21 pm
Forum: Investing - Theory, News & General
Topic: Blog: Vanguard Personal Advisor Services
Replies: 35
Views: 13538

Re: Blog: Vanguard Personal Advisor Services

Surprised no one has chimed in with comments after "test flying" this new service. Anyone?
by Magruder
Mon Mar 24, 2014 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 5591

Re: Do you work part time in retirement?

I work part-time loading a lift and checking tickets at a ski area. Mostly weekends, when it is too crowded to enjoy skiing anyway. Earn ski privileges for me and the grand-kids as a bonus!
by Magruder
Mon Mar 10, 2014 2:05 pm
Forum: Personal Consumer Issues
Topic: RightSource--Mail Order Drugs
Replies: 10
Views: 1350

Re: RightSource--Mail Order Drugs

I feel your pain, but my experience so far with Humana & RightSource has been excellent. We switched to them this year under their $12.60 per month plan, submitted my wife's and my prescriptions for several generics by mail right after the first of the year, and they were shipped and received wi...
by Magruder
Sun Mar 02, 2014 6:13 pm
Forum: Personal Consumer Issues
Topic: AMEX rewards on Kroger error
Replies: 15
Views: 2173

Re: AMEX rewards on Kroger error

Not to hijack this thread, but I have a similar issue with Discover's Oct - Dec 5% cash back offer on all on-line purchases up to $1,500. Did not get 5% credit for four appliance purchases made at Home Depot and Lowes on line. Followed up with customer service after the Dec statement and again after...
by Magruder
Thu Feb 20, 2014 9:16 am
Forum: Personal Consumer Issues
Topic: VZW Customers Check Out New Plans
Replies: 24
Views: 3051

Re: VZW Customers Check Out New Plans

I looked at the Verizon site but it didn't offer me anything less. Can anybody advise me if I am missing something? I just have one phone - a Blackberry. I have unlimited voice and text and was able to get a plan with only 300 Meg of data per month. My data use is always about 25 or 30 meg as I onl...
by Magruder
Sat Feb 15, 2014 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Smart Home Purchase?
Replies: 21
Views: 2672

Re: Smart Home Purchase?

In the limited time you plan to own the condo, an un-forseen assessment could show up!
by Magruder
Tue Jan 07, 2014 8:20 pm
Forum: Personal Consumer Issues
Topic: toaster oven
Replies: 7
Views: 786

Re: toaster oven

I got a free one for meeting a sales quota a few years ago; or maybe it was for opening a checking account!
by Magruder
Fri Nov 22, 2013 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Lockheed Martin Retiree Medical Cost
Replies: 12
Views: 3676

Re: Lockheed Martin Retiree Medical Cost

I'm a retiree of yet another large company. Company recently dropped us from their employee health care programs, but gave us a cash subsidy (tax free) to buy health care through a private exchange known as Extend Health. Subsidy ranges up to $1,800 per person depending on age at retirement and year...
by Magruder
Tue Nov 12, 2013 5:39 pm
Forum: Personal Consumer Issues
Topic: Amazon Sunday Delivery
Replies: 11
Views: 1269

Re: Amazon Sunday Delivery

mlipps; its Amazon's shipping company, UPS for the most part, that isn't delivering seven days a week. UPS delivers five days a week; and Saturday delivery consists of next day air packages only. (After working 10-14 hours per day for five days, my son appreciates Sat and Sun off!)
by Magruder
Wed Oct 30, 2013 3:23 pm
Forum: Personal Consumer Issues
Topic: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan
Replies: 34
Views: 6868

Re: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan

We also have had no problems with Silverscript this past year. Got our renewal packages including notice of the $4 premium increase - they kindly indicated that we wouldn't have to lift a finger to continue with their plan for 2014. However, we have lifted a finger! We switched to Humana's Walmart p...
by Magruder
Wed Sep 18, 2013 7:26 pm
Forum: Personal Consumer Issues
Topic: Washing Clothes with Dishwashing Soap?
Replies: 12
Views: 29903

Re: Washing Clothes with Dishwashing Soap?

Don't forget, that laundry detergents contain a significant quantity of optical brightener, a synthetic dye that keeps your whites looking white! (Think the bright, fluorescent white you see on white clothes when you're hanging out in a club with so-called black lights!) This brightener replenishes ...
by Magruder
Wed Sep 18, 2013 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Extend Health [NOT a medical post!] [Medicare Exchange]
Replies: 12
Views: 1854

Re: Extend Health [NOT a medical post!] [Medicare Exchange]

My company, a large Pharma company , also moved retirees to Extend Health's exchange last year. Given the subsidy we were given, it it a much better arrangement than the company plans we were able to choose from the year before, which were geared to active employees. I didn't feel that the Extend He...
by Magruder
Wed Sep 11, 2013 6:02 pm
Forum: Personal Consumer Issues
Topic: Wife: Surprise, we now have a cat.
Replies: 89
Views: 10657

Re: Wife: Surprise, we now have a cat.

I finally figured out that a cat does not like a scratching post that is not stable. Linky No. 1 and Linky No. 2 both loved a scratching board I made with just a 3/4" x 8" wide board about 18" long. I covered it with a couple layers of upholstery fabric samples that I got at a local f...
by Magruder
Fri Aug 09, 2013 9:45 am
Forum: Investing - Theory, News & General
Topic: 1987 stlye crash on the way?
Replies: 55
Views: 6641

Re: 1987 stlye crash on the way?

As others have mentioned, they would merely rebalance. How quickly does a fund like Wellington or Wellesley Income rebalance in these situations>
by Magruder
Thu Jul 18, 2013 3:37 pm
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 19402

Re: [Sad news - Pat Larimore]

Taylor,
I am so sorry to hear about your loss.
John
by Magruder
Fri Jun 28, 2013 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Wellesley shares quarterly or take dividends?
Replies: 2
Views: 704

Sell Wellesley shares quarterly or take dividends?

I take monthly withdrawals from Wellesley Income which I hold in my traditional IRA. These withdrawals are roughly equivalent to the dividends. Is there any advantage to taking the dividends as cash versus my periodic selling of shares?
by Magruder
Wed Jun 19, 2013 3:37 pm
Forum: Personal Consumer Issues
Topic: Installing lightning rods - who, how much?
Replies: 19
Views: 1616

Re: Installing lightning rods - who, how much?

Traveling around New England, I've seen many old farm houses with lightning rod systems. I never noticed very many systems installed on newer buildings. I think there must have been some very good lightning rod salesmen on commission that roamed all of New England in the late 1800's and early part o...
by Magruder
Mon May 13, 2013 8:19 am
Forum: Personal Finance (Not Investing)
Topic: tax friendly states for retirees
Replies: 96
Views: 8535

Re: tax friendly states for retirees

Not a single mention of Tax-Free New Hampshire! No sales tax; no income tax. Hurry though, former Massachusetts residents are filling up our remaining space fast!
by Magruder
Thu Mar 21, 2013 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: When to drop term insurance
Replies: 21
Views: 2262

Re: When to drop term insurance

I'm thinking I should drop it, but maybe I should ask the kids if they'd like to roll the dice and pick up the premiums from here on out! After all, if I was to expire, the insurance proceeds would funnel into their inheritance. (I do realize this scenario is somewhat creepy!)
by Magruder
Thu Mar 21, 2013 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: When to drop term insurance
Replies: 21
Views: 2262

When to drop term insurance

When I retired at age 55, I elected to take the full monthly benefit of my corporate pension, as opposed to taking a reduced amount entitling my spouse to receive a pension after my demise. As an alternative, I purchased a 20 year, fixed premium $500,000 term life policy for a premium of just over $...
by Magruder
Sat Feb 23, 2013 6:57 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 535
Views: 117095

Re: What's your favorite frugal thing(s) to do?

Harvest cash back rewards from credit cards. Makes a great hobby!
by Magruder
Thu Feb 07, 2013 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Peeking at investments...how often?
Replies: 59
Views: 3959

Re: Peeking at investments...how often?

Every day with two mouse clicks in Quicken 2011.
by Magruder
Tue Jan 01, 2013 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Trouble with using Vanguard website
Replies: 14
Views: 1683

Re: Trouble with using Vanguard website

Not meaning to hijack this thread, but does anyone know how I can find my 529 accounts on the updated website?
by Magruder
Mon Dec 24, 2012 1:52 pm
Forum: Personal Consumer Issues
Topic: Tooth Crown
Replies: 48
Views: 3008

Re: Tooth Crown

Just got a porcelain crown for $1,050 including the earlier diagnostic appointment. Made on the spot on a CEREC machine.
by Magruder
Mon Jun 11, 2012 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing: Positives & Negatives
Replies: 53
Views: 5905

Re: Downsizing: Positives & Negatives

We downsized a few years ago from our custom built home on 5 acres. Moved back to our hometown in a resort area and a newer, smaller home that should be almost maintenance free. Kids took most of our excess stuff. With respect to the custom built home - "Never fall in love with anything that ca...
by Magruder
Fri Sep 30, 2011 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do you bank online
Replies: 60
Views: 5478

Only thing I do inside my brick & mortar regional bank branch is cash a check once in a while and cash in my rolled coins a couple times a year. Free checking, free billpay, free foreign atm use and 1.55% interest as long as I do 15 electronic transactions per month. Northway Bank in New Hampshi...

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