Search found 890 matches

by fsrph
Sun Dec 03, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 2415

Re: Any websites to help find a great doctor?

There used to be a really useful site called ratemds.com You could get a list of any type of doctor in your area, sort by patient ratings, see patient reviews, etc. Then it was sold to an entity that ruined the interface and now it is worthless. What they were thinking to do that, I have no idea. A...
by fsrph
Sun Dec 03, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Target Gift Cards are 10% Off Today (Sunday 12/3/17)
Replies: 17
Views: 1910

Re: Target Gift Cards are 10% Off Today (Sunday 12/3/17)

Thanks. I went to Target and picked up a few. A little surprised no one mentioned it yet.

Francis
by fsrph
Fri Dec 01, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10185

Re: Price of haircut?

$12 plus $2 or $3 tip.
Old fashioned barbershop with four barber chairs.
LCOL area.

Francis
by fsrph
Thu Nov 30, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 36
Views: 4487

Are plasma TV's gone forever?

I own a Samsung plasma TV and really like it. I do not believe any major company still manufactures plasmas. You still see them on Amazon or Ebay at inflated prices. My Samsung plasma sells for 3x what I paid. The picture is great, it's not an electricity hog (as they were in the early days), and th...
by fsrph
Sun Nov 19, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 360k for an old man
Replies: 30
Views: 3080

Re: What to do with 360k for an old man

Whatever grandpa wants and makes him happy. :D Yup...... the family taking such an active interest in Grampa's stash seems a bit self serving FWIW, although about $325K in IT Tax-Ex would pay him about $700- $725 a month in tax free income and leave about $25K - $35K which could be in a 1.25% Ally ...
by fsrph
Fri Nov 17, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4411

Re: Replace TVs with Smart Tvs or not?

I also have a plasma TV and really like it. I added a Sony Blu-ray player to stream and it works great.

Francis
by fsrph
Thu Nov 09, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 159
Views: 18982

Re: Vanguard 403b Changes

So, has anything changed yet for anyone who logged in online? I do notice a new 403b section. Today I received an email confirmation from Vanguard about transactions I supposedly made yesterday. The transactions were for multiple 403b distributions. I did not submit any transactions. Since I'm trav...
by fsrph
Thu Nov 02, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 3010

Re: Do you Mow your own Lawn?

Yes I do. The yard isn't that large and I feel a sense of accomplishment that it's cut and trimmed properly.

Francis
by fsrph
Sun Oct 29, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Fuel treatments for small engines
Replies: 32
Views: 2155

Re: Fuel treatments for small engines

I've used Sta-Bil fuel stabilizer in the ethanol blended gasoline that is sold at gas stations for years. I have never encountered any problems until recently. I bought a 2017 John Deere lawn tractor with a 724cc (M44) Briggs and Stratton V twin engine. The owner's manual suggests using a fuel stab...
by fsrph
Sun Oct 29, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: PA Speeding Ticket?
Replies: 31
Views: 1628

Re: PA Speeding Ticket?

I'd show up at the hearing. Often they further reduce the charges just to quickly dispose of the case. You seem to not know what speed you were driving at. If you were just keeping up with traffic, and everyone was speeding, that is not a valid defense. The magistrate is not going to believe your gu...
by fsrph
Sat Oct 21, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Landscapers lack of a permit becomes my problem
Replies: 19
Views: 2529

Re: Landscapers lack of a permit becomes my problem

Note I don't know that much about landscaping, but if all he did was pull some small shrubs I cant imagine he did anything but shovel/chainsaw, backhoe perhaps. There wouldn't be much a point to spraying chemicals, if he used some weed killer there would be dead plants sitting there and it wouldn't...
by fsrph
Sat Oct 21, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Landscapers lack of a permit becomes my problem
Replies: 19
Views: 2529

Re: Landscapers lack of a permit becomes my problem

Can you get the permit form and fill it out based on what he tells you verbally with regards to what chemical/tools etc were used? If the area was small I'm sure it won't be an extensive list. Does the permit require a signature by the landscaper? In my city, this would be sufficient. That's a good...
by fsrph
Thu Oct 19, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Landscapers lack of a permit becomes my problem
Replies: 19
Views: 2529

Re: Landscapers lack of a permit becomes my problem

Please list the city so I know to never move somewhere where a permit (AKA money grab) is required to remove an invasive species. Marco Island, Fl. In my opinion the city is unreasonable in dealing with code violations for absentee owners. I received one notice, contracted to have the plant removed...
by fsrph
Thu Oct 19, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Landscapers lack of a permit becomes my problem
Replies: 19
Views: 2529

Re: Landscapers lack of a permit becomes my problem

Can you get the permit form and fill it out based on what he tells you verbally with regards to what chemical/tools etc were used? If the area was small I'm sure it won't be an extensive list. Does the permit require a signature by the landscaper? In my city, this would be sufficient. That's a good...
by fsrph
Thu Oct 19, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Landscapers lack of a permit becomes my problem
Replies: 19
Views: 2529

Re: Landscapers lack of a permit becomes my problem

I wasn't clear. The exotic plants needed to be removed as per the city. It is a daily fine. It doesn't end but it hasn't started yet. I can't get a permit myself the landscaper has to fill out their section. I don't think anyone complained but this land is right next to a city owned baseball field ...
by fsrph
Thu Oct 19, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Landscapers lack of a permit becomes my problem
Replies: 19
Views: 2529

Re: Landscapers lack of a permit becomes my problem

By the way the fine, if implemented, will be $250 per day.

Francis
by fsrph
Thu Oct 19, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Landscapers lack of a permit becomes my problem
Replies: 19
Views: 2529

Re: Landscapers lack of a permit becomes my problem

Received a notice from an out of state city where I own some land. They are going to fine me a per day fee for a code violation. A few months ago a landscaper did some removal of exotic plants on this land.The city requires landscaper to get a permit before removal. So I call the landscaper and he ...
by fsrph
Thu Oct 19, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Landscapers lack of a permit becomes my problem
Replies: 19
Views: 2529

Re: Landscapers lack of a permit becomes my problem

Received a notice from an out of state city where I own some land. They are going to fine me a per day fee for a code violation. A few months ago a landscaper did some removal of exotic plants on this land.The city requires landscaper to get a permit before removal. So I call the landscaper and he ...
by fsrph
Thu Oct 19, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Landscapers lack of a permit becomes my problem
Replies: 19
Views: 2529

Landscapers lack of a permit becomes my problem

Received a notice from an out of state city where I own some land. They are going to fine me a per day fee for a code violation. A few months ago a landscaper did some removal of exotic plants on this land.The city requires landscaper to get a permit before removal. So I call the landscaper and he s...
by fsrph
Fri Oct 13, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 5369

Re: Outback Vs Forester Vs CR-V ??

All three are good choices. I went with the Forester because I wanted a manual transmission with the large sunroof. The Forester seemed to have more head and hip room. Also the Forester was less expensive than the Outback. Had the Forester for 7 years with no complaints. Service has just been mainte...
by fsrph
Fri Oct 06, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 2066

Paper checks, how safe are they?

I saw another thread https://www.bogleheads.org/forum/viewtopic.php?f=2&t=228799 about a retirement account being stolen by identity theft and one response (below) said not to use checks. "DO NOT use personal checks, if you can help it. Checks contain your bank account number, your address, and your...
by fsrph
Tue Oct 03, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4485

Re: Waxing my car!

Thanks for the tips on using the clay bar. I think I'll give it a try next time I wax the car.

Francis
by fsrph
Tue Oct 03, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4485

Re: Waxing my car!

A few posts recommended using a clay bar before waxing. I hear the results are good. I've never used one because I thought it was a slow, tedious process with a lot of rubbing. How do you use a clay bar? Can you use it more than once? Does it take a long time to clay bar an average car?

Francis
by fsrph
Sun Oct 01, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7944

Re: What will happen if I refuse to pay a medical bill?

Maybe I'm in the minority but I think the doctors office is at fault. When a patient calls and asks if you accept their insurance,and they respond yes, to me, that means I'm covered. If it's hard for providers to answer that question due to all the sub types of plans (Blue Cross hmo, ppo, gold, etc)...
by fsrph
Sat Sep 30, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4485

Re: Waxing my car!

I use Meguires cleaner wax
https://www.walmart.com/ip/Meguiar-s-Cl ... uid/871743

Plus Collinite sealant
https://www.amazon.com/Collinite-Liquid ... linite+wax

Awesome combo.

Francis
by fsrph
Sun Sep 24, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8907

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

There is no one surefire answer. One thing to consider if you ask your family physician for a recommendation is are they a member of a large physician group practice.?They tend to refer within their group. A good, but not foolproof way, is to ask an employee of a hospital. For surgeons ask an or nur...
by fsrph
Sun Sep 17, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 7356

Re: Psychological effects of Early Retirement in peak earning years.

Thanks for all the replies. The post title was changed to Psychological effects, sorry about that. I agree with the posts that say it's important to retire "to" something rather than "away" from your job. I work for a hospital (for over 30 years) and the problems there is not just normal work stress...
by fsrph
Sat Sep 16, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 7356

Psychological effects of Early Retirement in peak earning years.

I have a decent job and thru utilizing Boglehead principles I'm in a position financially to retire. Just generally have about 65x expenses, SS, estimate 3k per month at 70 plus pension of 22K at 65. Live in LCOL area. No debt, just monthly CC that I pay in full. I'm 58 and still working full time. ...
by fsrph
Wed Aug 30, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: How do you reverse a lifetime of frugality and learn to spend some money?
Replies: 59
Views: 6758

Re: How do you reverse a lifetime of frugality and learn to spend some money?

You've lived decades of your life reinforcing habits of saving and frugality. Here's a good article with reasons to spend more.
http://www.marketwatch.com/story/how-yo ... 2017-05-09

Francis
by fsrph
Tue Aug 29, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6859

Re: When to give resignation notice

Silverado wrote:
Tue Aug 29, 2017 5:20 pm
Just give the three months in a month. Simple.
This is what I would recommend as well.

Francis
by fsrph
Sat Aug 26, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is Geico a bait and switcher?
Replies: 32
Views: 4660

Re: Is Geico a bait and switcher?

I switched from State Farm to Geico a few years ago. Geico did raise my rates slightly but I wouldn't call them a bait and switcher. Being a long term SF customer meant nothing to them and they took it for granted that I'd always stay with them. The change to Geico was a very good move for me. Francis
by fsrph
Fri Aug 25, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Subaru - One tire bad replace all four?
Replies: 31
Views: 2084

Re: Subaru - One tire bad replace all four?

Doug E. Dee wrote:
Fri Aug 25, 2017 12:04 pm
Agreed at 7 years old to replace all 4.

How many miles on them? How does the tread depth look?
31k miles. They said the tread was still good and are wearing evenly.

Francis
by fsrph
Fri Aug 25, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Subaru - One tire bad replace all four?
Replies: 31
Views: 2084

Subaru - One tire bad replace all four?

Just has state car inspection on the Forester. One tire didn't pass inspection but they strongly recommended I purchase four new tires. Said Subaru's AWD needs four equivalently worn tires. The tires in question are almost 7 years old and said the one had dry rot. I should add that I like this indep...
by fsrph
Tue Aug 22, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2398

Re: Can you recommend a good mouse trap?

Victor snap trap with small amount of peanut butter as bait.

Francis
by fsrph
Fri Aug 18, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 262
Views: 34788

Re: What is Bitcoin?

If it wasn't mentioned previously, Netflix had a documentary on Bitcoin.

https://www.netflixreleases.com/banking ... coin-2017/

Francis
by fsrph
Tue Aug 15, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 66
Views: 7784

Re: Retired Boglehead obsession with money- devil's advocate

I don't know if I'd call it an obsession it's more like a habit. Save and save for decades, invest prudently and hopefully watch your investments grow and grow. This is behavior that you followed for decades and it's not easy turning the switch from saving to spending. Here's an article that may be ...
by fsrph
Thu Aug 10, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 10401

Re: Has the "bond bubble" caused you to change your allocation?

I moved about 50% of my bond allocation to CDs over several years. One requirement to change was the cd should pay 2.75 to 3%. I found this rate at Penfed, Valor, Northwest and NASA. So, my bond allocation changed but investments in fixed income remained about the same.

Francis
by fsrph
Sat Jul 15, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 21
Views: 3156

Re: Teeth Whitening

Try Crest Whitestrips Professional Effects. Around $35 on Amazon. Works great. I'd try this before any whitening treatment at the dentists office. https://www.amazon.com/Crest-Profession ... B00336EUTK

Francis
by fsrph
Tue Jul 04, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 18
Views: 2550

Re: Bogleheads - how about an outdoor chair recommendation!

Harbor Freight sells a folding director-style chair with a side table and pockets that would probably meet your needs. https://www.harborfreight.com/foldable-aluminum-sports-chair-62314.html This is the chair I was going to recommend. I own two of them, and they're the best chairs I've ever owned. ...
by fsrph
Thu Jun 29, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett's PBS interview
Replies: 2
Views: 854

Warren Buffett's PBS interview

From a few days ago. Gives his thoughts on investing and current issues.


http://www.pbs.org/newshour/bb/america- ... n-buffett/

http://www.pbs.org/newshour/bb/part-2-b ... lief-rich/

Francis
by fsrph
Sun Jun 25, 2017 12:26 am
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 3270

Re: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

If you're going from the lower Keys to Tampa it's going to be more than a six hour trip. Nevertheless, if you're using Rt. 41 to cross the state Shark Valley (part of Everglades National Park) is a good stop if you're into nature. Take the tram. http://www.sharkvalleytramtours.com. If you just want ...
by fsrph
Fri Jun 23, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 18
Views: 2550

Re: Bogleheads - how about an outdoor chair recommendation!

I'm looking for a chair you take along to sporting events (to sit on the grass), concerts or other outdoor activities. Not looking for the most expensive chair but would pay more for one that is comfortable and lasts. I'm a little over 200 lbs so need a sturdy one too. Any suggestions? Thanks. Fran...
by fsrph
Fri Jun 23, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Bogleheads - how about an outdoor chair recommendation!
Replies: 18
Views: 2550

Bogleheads - how about an outdoor chair recommendation!

I'm looking for a chair you take along to sporting events, concerts or other outdoor activities. A chair with legs. Not looking for the most expensive chair but would pay more for one that is comfortable and lasts. I'm a little over 200 lbs so need a sturdy one too. Any suggestions? Thanks.

Francis
by fsrph
Sun Jun 18, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 2361

Re: Change Auto & Umbrella Insurance after 52 years?

I switched to Geico after being with State Farm for 35 years. SF raised rates slowly but surely till they were not competitive with other companies. I believe SF thought I'd never leave after being a customer for so long. No complaints with Geico so far. If your coverages are equal with the new Geic...
by fsrph
Tue Jun 13, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 2148

Re: Any advice on buying headstone for a grave?

Hi, this is my business so I think I can be of help. Which gray granite are they using? Elberton (Georgia Gray) or Barre Gray? Both are fine quality btw, the difference being Elberton Gray should be cheaper. I assume the imported is China gray and when it's polished it actually resembles Barre Gray...
by fsrph
Mon Jun 12, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 7367

Re: Have you canceled cable?

I dropped cable TV a few years ago. Use an antenna for local channels and a Sony Blu-Ray to stream. I don't miss cable altho once in a while I miss something I want to watch. It's especially difficult to view live sports except what's on the networks. It was easier for me to drop cable because I had...
by fsrph
Fri Jun 02, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 55
Views: 6173

Re: How does a mere mortal navigate healthcare/insurance issues

This issue of being directly billed for non network providers (that you had no choice in selecting) in an in network facility is a problem that needs to be addressed. This practice is unfair to consumers. This thread deals with anesthesiologists but also routinely occurs with er physicians and those...
by fsrph
Thu Jun 01, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 214267

Re: TV show recommendations?

Season 5 of House of Cards just recently added to Netflix.

Francis
by fsrph
Wed May 24, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 15116

Re: i am my own "guy," but not sure I should advertise that

I will talk about investing if the other party initiates the conversation. I've helped several coworkers set up 403b transfers and they were grateful. Of course I mention Vanguard but it's not a hard sell. If someone said an agent recommened an annuity I'll just say did you check what the fees are? ...
by fsrph
Sun May 14, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Looking for "old style" dot matrix forms 8.5" x 3.50"
Replies: 7
Views: 700

Re: Looking for "old style" dot matrix forms 8.5" x 3.50"

I need a very specific plain paper form - exactly 3.50 inches by 8.50 inches wide. Understandably, such dot matrix forms are disappearing. Any ideas or suggestions? That doesn't seem to be a standard paper size, it only has specialty uses, such as for card racks, door hangers, and buck slips. Are y...