Search found 459 matches

by Small Law Survivor
Wed Jul 18, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3258

Re: 35 minute connection for flight, long enough?

Timely post, since I'm trying to book a trip out of Boston to Venice/Florence/Rome.

Costco has us transferring in London with one hour between flights. Seemed too close to comfort for me ....
by Small Law Survivor
Tue Jul 17, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 79
Views: 3811

Re: Have you ever purchased a pricy musical instrument?

Have bought and sold so many guitars (acoustic, electric) and amps over the years, I couldn't even begin to count them. Always thinking about getting more.

Thinking about a Gibson ES339 right now.

Just wish I'd never sold that Fender twin reverb I owned back in 1968. :oops:
by Small Law Survivor
Sat Jul 07, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3427

Re: Anyone Tried Costco Travel Packages?

Thank you for all this feedback - there is nothing negative here, and I am reassured :happy One question: I would not hesitate to use them again, especially if you are executive member with the credit card. I'm not very "Costco-aware", but I'm pretty sure I am an "executive member" (paid a higher pr...
by Small Law Survivor
Fri Jul 06, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3427

Anyone Tried Costco Travel Packages?

I was thinking of taking my wife to Italy this Fall, and lo and behold, I received an email promoting Costco Travel. Hadn't seen it before, but I checked it out and it has what appear to be some nice packages (13 nights, Rome/Florence/Italy). Checked out the hotels included in the packages on Tripad...
by Small Law Survivor
Sun Jul 01, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4027

Re: Any Reason to Keep My "Landline" Phone?

I use Ooma as VoIP landline, taxes and fees comes to ∼5 per month (cost includes E911). You can also look into Obihai 2xx devices to use along with Google Voice (no ongoing cost), however if you want E911 you need subscribe to something else with a nominal fee. Could someone briefly summarize Ooma,...
by Small Law Survivor
Sun Jul 01, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12871

Re: What are your property taxes?

Toons wrote:
Sat Jun 30, 2018 11:07 pm
Tn.
home 1500 sq ft
3/4 acre land.
675.00 a year.

:mrgreen:
Mass. (Boston suburb)
Home: ~3,000 sq. ft., 1 acre land
Zillow estimate: ~$800,000
Prop. taxes: ~$10,000 a year

Thinking of moving to TN 8-)
by Small Law Survivor
Sat Jun 30, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4027

Re: Any Reason to Keep My "Landline" Phone?

RickBoglehead wrote:
Fri Jun 29, 2018 4:56 pm
Move the number to Google Voice.

For E911 on the Verizon network, enable HD Voice and assign an address to the number.
Rick, what is HD Voice?
by Small Law Survivor
Fri Jun 29, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 3964

Re: Anyone Tried Youtube TV Yet?

How do you get rid of the FIOS router if the signal reaches the router/modem via cable???? I think the idea is that you buy your own router - Google wifi seems very popular among Bogleheads, and has been written about here quite a bit. Note that FIOS doesn't need a "modem" - at least not one you ca...
by Small Law Survivor
Thu Jun 28, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 3964

Re: Anyone Tried Youtube TV Yet?

I upgraded to Gigabit internet with Verizon and dropped all TV and phone services. My all in cost went from over $230 a month (before contract ran out) to $125. This is exactly what I'd like to do - drop Verizon TV and phone (use cell only), and use Youtube TV, along with Netflix and Amazon Prime s...
by Small Law Survivor
Thu Jun 28, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 3964

Anyone Tried Youtube TV Yet?

I've been reading about this service: https://tv.youtube.com/welcome/ If it works smoothly/well, I'd be open to giving it a try, with the hope that eventually I could get rid of Verizon's TV service. And, if I did that, I'd be free of the Verizon FIOS router that I need to access the channel guide o...
by Small Law Survivor
Thu Jun 28, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4027

Any Reason to Keep My "Landline" Phone?

Everyone in my family has a cell phone, and we have done our best to give our cell numbers to everyone that might need them - friends, family, doctors ..... However, we still have a Verizon landline that costs $30/month, or $360/year. The only people that seem to call it these days are calls we don'...
by Small Law Survivor
Fri Jun 22, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2463

Re: Need new Cable Modem + Router - Please recommend

RetiredAL wrote:
Thu Jun 21, 2018 9:37 pm
So Small Law, I've been doing this and work and home for years and year. Read and learn, its not all that hard to do with today's appliance type hardware.
I would love to do all these things, but at age 67 I'm not sure I have enough years left :(
by Small Law Survivor
Thu Jun 21, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 4827

Re: "distilled" water for wife's CPAP machine

My wife has a CPAP that she's used for many years. I just showed her this thread, and she said her CPAP has a water reservoir but that she doesn't fill it, and has never used it.

?? Is this OK ??
by Small Law Survivor
Thu Jun 21, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Outdoor Wooden Steps Repair?
Replies: 19
Views: 1215

Re: Outdoor Wooden Steps Repair?

Most wood fillers won't stand up to repeated loading due to foot traffic and thermal cycling. I'm not experienced enough to recommend a good one, but if you try it, go with a durable one like epoxy - you are going to paint over it so no need to worry about color matching. "Wood filler" often means ...
by Small Law Survivor
Thu Jun 21, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2463

Re: Need new Cable Modem + Router - Please recommend

Where did all of you go to learn networking/WiFi technology to this extent? I don't think the "average" person knows all this stuff.
by Small Law Survivor
Thu Jun 21, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2463

Re: Need new Cable Modem + Router - Please recommend

Dumb question, sorry: if you have a router, why do you need a modem?

I have Verizon FIOS. I have a router, that I can see, more around turn on/off. If I have a modem I'm not aware of where that is in my system. Is it possible its in the Optical Network terminal, the "ONT"?
by Small Law Survivor
Thu Jun 21, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Outdoor Wooden Steps Repair?
Replies: 19
Views: 1215

Re: Outdoor Wooden Steps Repair?

F150HD wrote:
Thu Jun 21, 2018 5:32 pm
picture?
How should I do that, technically? Upload the pic to (?) and put a link here? I can't upload to BH directly, can I?
by Small Law Survivor
Thu Jun 21, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Outdoor Wooden Steps Repair?
Replies: 19
Views: 1215

Re: Outdoor Wooden Steps Repair?

If you are going to live there long term, I would seriously consider replacing the whole deck with Trex composite decking . Lived here 25 years, so not gong to go to Trex at this point. The biggest issue you'll likely have is getting stain to match. If you fill in a gouged out, damaged area with wo...
by Small Law Survivor
Thu Jun 21, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Outdoor Wooden Steps Repair?
Replies: 19
Views: 1215

Outdoor Wooden Steps Repair?

The front entrance to our home has a square, deck-like area of wood with a solid-color deck stain (you can't see the wood grain at all). There are about 20 planks, each about 6.5 feet long by 3.5 inches wide by 1" deep. Not certain, but pretty sure its pine. This last winter some ice must have gotte...
by Small Law Survivor
Mon Jun 18, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5410

Re: What are your hobbies?

I retired almost two years ago, although I have to put a "semi-" in front of that - I go into the office (law firm) one afternoon a week. And - February - April - teach an online copyright course (CopyrightX) Write some blog post on copyright Handle some arbitrations Work out - have always loved thi...
by Small Law Survivor
Sun Jun 17, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 22
Views: 1699

Re: Has Anyone Tried Youtube TV?

Just looking at this again, after my post - if I were Verizon/Comcast ...etc., I'd be worried. The set-top box may soon be a thing of the past.
by Small Law Survivor
Sun Jun 17, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 22
Views: 1699

Has Anyone Tried Youtube TV?

This looks like an attractive alternative to Verizon FIOS TV, which is what we have now. $40/month, good range of stations, cloud-based DVR .... I have realized that the only thing we watch on Verzon TV these days is CNN and MSNBC (Rachel Maddow).

https://tv.youtube.com/welcome/
by Small Law Survivor
Wed Jun 13, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11675

Re: Are you including SS in your planning model? Are the benefits really that high?

I don't understand why some people think SS payout is too little to be concerned with. We will get $60k at age 70 for the two of us. I would need $1.5 MM to have a 4% withdrawal rate of $60k. If I were to buy a SPIA it would cost somewhat less to generate a $60k income stream. Even with a large por...
by Small Law Survivor
Wed Jun 13, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Is "Tank-Guard" home heating oil warranty worth it?
Replies: 11
Views: 945

Re: Is "Tank-Guard" home heating oil warranty worth it?

If your tank leaks into the ground and contaminates the soil, the required environmental remediation could cost a whole lot more than $2,000. I would consider proactive replacement or even better converting to gas if available. Nope, no gas lines where I live. How would I know when to replace an oi...
by Small Law Survivor
Tue Jun 12, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Is "Tank-Guard" home heating oil warranty worth it?
Replies: 11
Views: 945

Re: Is "Tank-Guard" home heating oil warranty worth it?

eddot98 wrote:
Mon Jun 11, 2018 11:11 pm
My fuel company only charges me $29.95 per year to add Tank Guard. I thought that was too much for a quart or so of some secret additive.
Does this include a $2,000 tank replacement warranty? ....
by Small Law Survivor
Mon Jun 11, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Is "Tank-Guard" home heating oil warranty worth it?
Replies: 11
Views: 945

Is "Tank-Guard" home heating oil warranty worth it?

Our oil company charges us $75/year for a treatment of "Tank-Guard" plus warranty worth $2,000 for a replacement tank. Link to their product here: http://tank-guard.com/ Here is the description of their product/service: TANK-GUARD® is a unique oil tank protection program for aboveground fuel oil tan...
by Small Law Survivor
Mon Jun 11, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: How to Repair Leak in Ceiling Below 2nd Floor Bath?
Replies: 6
Views: 519

How to Repair Leak in Ceiling Below 2nd Floor Bath?

We just celebrated our 25th anniversary of owning a house outside Boston. In that time we've had almost no surprise maintenance problems. But, no good fortune lasts forever - yesterday I noticed that the paint on the ceiling below a bathroom on the second floor was peeling, and discovered that the p...
by Small Law Survivor
Sun Jun 10, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Do you think I need FIOS Quantum Gateway router with 940Mbps speed?
Replies: 29
Views: 1809

Re: Do you think I need FIOS Quantum Gateway router with 940Mbps speed?

4) You can try an app called WiFi Sweet Spots. It continually tests just the internal Wi-Fi speed. This can help you see the affect of your adjustments and troubleshoot problems. 5) After steps 1-4, you may be happy with your service. You can then keep renting or buy your own modem/router. If you a...
by Small Law Survivor
Sat Jun 09, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11675

Re: Are you including SS in your planning model? Are the benefits really that high?

I am 67. My wife is 18 months younger than me. According to my social security statement, our total benefit when I turn 70 (my benefit plus spousal benefit) will be just shy of $60,000/year. I do find this a bit difficult to believe, but this is what SS tells me. I retired at 65, and I'm trying to h...
by Small Law Survivor
Thu Jun 07, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Do you think I need FIOS Quantum Gateway router with 940Mbps speed?
Replies: 29
Views: 1809

Re: Do you think I need FIOS Quantum Gateway router with 940Mbps speed?

You have many options to improve the Wi-Fi speed to the 2 or so rooms that have poor coverage Pancakes - this is too much. I'm not a power user, and I need to keep it simple! Wirecutter says: After spending more than 50 hours researching Wi-Fi extenders and testing 13, we think the TP-Link AC750 Wi...
by Small Law Survivor
Tue Jun 05, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Might one take social security before 70 because you would hit total family benefits earlier?
Replies: 32
Views: 2313

Re: Might one take social security before 70 because you would hit total family benefits earlier?

In other words, nope, the family maximum is not the reason for the suggestion. Without knowing the rest of the inputs, I can't say exactly what the reason is other than broadly "that's what results in the highest NPV" -- which is of course not super useful. I'll update this thread with my inputs to...
by Small Law Survivor
Tue Jun 05, 2018 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Might one take social security before 70 because you would hit total family benefits earlier?
Replies: 32
Views: 2313

Re: Might one take social security before 70 because you would hit total family benefits earlier?

fishandgolf wrote:
Mon Jun 04, 2018 6:47 pm
OP.........just a quick note, the person that you mention in your OP......I believe his name is Mike Piper....also known as the ("ObliviousInvestor")......not Mark Piper. Just in case someone wants to do further research.
Sorry, fixed.
by Small Law Survivor
Mon Jun 04, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: HSA as retirement vehicle
Replies: 33
Views: 3195

Re: HSA as retirement vehicle

But I'm wondering if I wouldn't be better off paying the medical costs through my regular cash flow (which I can probably do) and using the HSA as a savings vehicle. Yup, this is what I've done for the last 8 years. We too hit our deductible ($3,000) in the first two months of the year. Deduction +...
by Small Law Survivor
Mon Jun 04, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Might one take social security before 70 because you would hit total family benefits earlier?
Replies: 32
Views: 2313

Might one take social security before 70 because you would hit total family benefits earlier?

I was testing Mike [corrected] Piper's new social security calculator (see below), and it recommended that I take SS six months before I reach 70. I was wondering about why this might be the case, and looking at my SS statement I noticed that there is a "family benefits" cap of $4,774/month. It occu...
by Small Law Survivor
Mon Jun 04, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Do you think I need FIOS Quantum Gateway router with 940Mbps speed?
Replies: 29
Views: 1809

Re: Do you think I need FIOS Quantum Gateway router with 940Mbps speed?

123 wrote:
Mon Jun 04, 2018 11:01 am
A "Quantum Gateway" sounds awesome. I bet you could beam someone to another planet with one of those.
Oh, I forgot to mention that feature 8-)
by Small Law Survivor
Mon Jun 04, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Do you think I need FIOS Quantum Gateway router with 940Mbps speed?
Replies: 29
Views: 1809

Do you think I need FIOS Quantum Gateway router with 940Mbps speed?

We had FIOS installed in our house around 10 years ago. I've ignored it since, but family members are experiencing slow speeds in various rooms distant from the router. I know I can use extenders to solve this problem, but I thought I'd call Verizon and ask for their advice. The Verizon rep told me ...
by Small Law Survivor
Mon May 28, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Risky To Keep Genworth Term Life Policy?
Replies: 4
Views: 567

Re: Risky To Keep Genworth Term Life Policy?

I am an insurance professional. I feel pretty confident about Genworth being good for the death benefits on a term life policy. Even though Genworth is having some issues with its LTC business, the term life block is fundamentally strong. In the unlikely event that Genworth enters receivership in t...
by Small Law Survivor
Sun May 27, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Google WiFi and Verizon FIOS
Replies: 10
Views: 1119

Re: Google WiFi and Verizon FIOS

I am the OP. Here is a comment on the Amazon page for Google wifi: "Not compatible with Verizon or Frontier FIOS IF you also have their TV Service. Google Wi-Fi insists on being the router and FIOS TV only works correctly if their router is the primary router. Huge conflicts occur is both are used t...
by Small Law Survivor
Sun May 27, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Google WiFi and Verizon FIOS
Replies: 10
Views: 1119

Google WiFi and Verizon FIOS

I was thinking of moving to Google wifi after reading this thread .... https://www.bogleheads.org/forum/viewtopic.php?t=213195 "Google Wifi is Awesome" But, a tech savvy neighbor that I discussed this with advised me that I'd have to call Verizon FIOS support and find out if they can change the inte...
by Small Law Survivor
Sat May 19, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2848

Re: Any experience with Blue Apron?

We've been using Blue Apron for a couple of months, after trying (and getting tired of) Green Chef. Generally speaking, we enjoy Blue Apron, and prefer it over Green Chef. It's fun seeing the recipes and making the meals. No complaints here ....
by Small Law Survivor
Wed May 16, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Please Advise on My/My Spouse’s Social Security Claiming Strategy
Replies: 10
Views: 1318

Re: Please Advise on My/My Spouse’s Social Security Claiming Strategy

Here is what a financial advisor said about my question: Regardless of whether the wife is enrolled in Medicare, husband can still have a family HSA-qualified plan and make family-level contributions to the account, up to $7,900 for 2018. This will include only his own catch-up contribution, of cour...
by Small Law Survivor
Tue May 15, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Audiobooks and the Overdrive App
Replies: 19
Views: 1770

Re: Audiobooks and the Overdrive App

If I have Libby, do I need Overdrive as well? Or would that be redundant? Still a bit confused about all of this, and the fact that different library systems have different libraries (didn't realize that until I read this thread). Overdrive, Libby, Hoopla - seems like a lot of possible redundancy he...
by Small Law Survivor
Mon May 14, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Audiobooks and the Overdrive App
Replies: 19
Views: 1770

Re: Audiobooks and the Overdrive App

+1 It really is a great time to use libraries for audiobooks; not like the old days when you drove to the library to pick through their measly collection of books on tape, some of which were abridged (!) :sharebeer Just checked Hoopla and was pleased to see they have audiobook of Keith Richards' "L...
by Small Law Survivor
Sun May 13, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Audiobooks and the Overdrive App
Replies: 19
Views: 1770

Re: Audiobooks and the Overdrive App

Hmmmm ... I've subscribed to Audible for years - the range of books there is fantastic, and I cherish my subscription. It's well worth $15/m. for one credit (one book a month). And, Audible has daily specials in the $3-4 range, and I usually buy one of these a month, on average. I wouldn't give up m...
by Small Law Survivor
Fri May 11, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Please Advise on My/My Spouse’s Social Security Claiming Strategy
Replies: 10
Views: 1318

Re: Please Advise on My/My Spouse’s Social Security Claiming Strategy

OP: To me, it looks like you are so focused on the HSA tree that you are ignoring the forest that is your total healthcare costs. I'll respond to this in more detail later. But, this thread demonstrates that I need some hands-on guidance on this issue. For me, this is not do-it-yourself territory. ...
by Small Law Survivor
Fri May 11, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Please Advise on My/My Spouse’s Social Security Claiming Strategy
Replies: 10
Views: 1318

Re: Please Advise on My/My Spouse’s Social Security Claiming Strategy

I'm not an expert in this area, but I would consider whether your wife would automatically be enrolled in medicare when she started SS. That would presumably limit your HSA deduction to the individual limit (roughly half). I suspect it still makes the most sense for her to claim at FRA, even if the...
by Small Law Survivor
Fri May 11, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Please Advise on My/My Spouse’s Social Security Claiming Strategy
Replies: 10
Views: 1318

Re: Please Advise on My/My Spouse’s Social Security Claiming Strategy

A question. Have you considered your option to file a restricted spousal claim after your wife files allowing you to earn one half of your spouse's PIA from that time until age 70 and how those earnings may compare to your projected HSA accumulation? Thank you - I haven't run the numbers, but I fai...
by Small Law Survivor
Thu May 10, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Please Advise on My/My Spouse’s Social Security Claiming Strategy
Replies: 10
Views: 1318

Please Advise on My/My Spouse’s Social Security Claiming Strategy

I am 67 years old this month (May 2018). I was born in May 1951. I’m still employed part-time, and my company allows me to contribute to its health savings account. We do not spend this money - it is invested. So, I am able to deduct and invest close to $8,000/year. I’ll be able to withdraw this mon...
by Small Law Survivor
Thu May 03, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: A Clamp, My Kingdom for a Clamp
Replies: 6
Views: 887

Re: A Clamp, My Kingdom for a Clamp

So how big of a kingdom did Globalviewer58 get? :sharebeer
I'm waiting for her to arrive outside my castle ... wait!, I think I hear the coconuts now ...
by Small Law Survivor
Thu May 03, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: A Clamp, My Kingdom for a Clamp
Replies: 6
Views: 887

Re: A Clamp, My Kingdom for a Clamp

Menard's offers a Suspensulator to support pipes. https://www.menards.com/main/pipe-supports/pipe-hangers-accessories/cts-suspensulator-trade/558-e2pk2/p-1444442673668-c-9424.htm?tid=-1337907579724513502&ipos=2 You could use this under the deck on a couple of joists to support the pipe. This looks ...