Search found 909 matches

by fsrph
Sat Feb 17, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 34
Views: 2339

Re: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)

Thanks for all your replies. I have cancelled Bar Harbor based on many recommendations. Instead I have booked a hotel on the beach in Ogunquit for 3 nights. We may do a day trip to Portland from there. We will do a separate week long trip to Bar Harbor/ Acadia national park at a later date. I also ...
by fsrph
Fri Feb 16, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 34
Views: 2339

Re: Vacation in May. Boston, Martha's Vineyard, Bar Harbor

I can't address the Boston portion of your trip but here's some thoughts for the other days. I'd very much recommend Bar Harbor. It's a quaint town with Acadia National Park in its backyard. It your looking for walking/hiking trails with beautiful scenery Acadia is the place. Can easily spend 3 or 4...
by fsrph
Mon Feb 12, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3774

Re: Home buying: how to send postcards to neighborhood we want to live in?

Sometimes I receive a phone message from someone who wants to buy my out of state investment land. I never reply. But, if I did I guarantee I'd ask for a premium price for the land. That being said it wouldn't hurt to implement your idea with the hope maybe someone will sell at or below market value...
by fsrph
Sat Feb 10, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 54
Views: 6327

Re: Financially secure, horrible workplace but just can't FIRE

Sorry about your situation. But if your finances are good why not just quit. You can get another job at lower or the same pay if you want it. There is just no reason to stay at a place you hate. There are not enough good qualified workers in the health fields so I am sure you can get another job. S...
by fsrph
Sat Feb 10, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 54
Views: 6327

Re: Financially secure, horrible workplace but just can't FIRE

I'm having a hard time retiring and trying to figure out what's holding me back. I have thought about this a lot. I've heard it's better to retire to something rather than away from something. But what if your job is so bad you have to get out? My job was fine for decades. I work in healthcare and ...
by fsrph
Sat Feb 10, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 54
Views: 6327

Re: Financially secure, horrible workplace but just can't FIRE

I think we get sold a bill of goods when everyone says that you have to retire *to* something. You're retiring *to* not having to show up at that stinking place anymore. You can figure out what you want to do next anytime you want. If you decide to do something and it doesn't work out, you can deci...
by fsrph
Sat Feb 10, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 54
Views: 6327

Re: Financially secure, horrible workplace but just can't FIRE

I've heard it's better to retire to something rather than away from something. This! What are you looking forward to in retirement? It sounds like you haven't made any plans, a bucket list, or know what your days will be like. Many of us who are retired are busier than when we were working. The onl...
by fsrph
Sat Feb 10, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 54
Views: 6327

Re: Financially secure, horrible workplace but just can't FIRE

You're delaying the inevitable. You'll eventually retire and have to find something to fill you time. Why not do that tomorrow? Alternatively can you cut back on hours, I think the mad fientists wife works in healthcare and was able to go part time. I'm at megacorp, and its all or nothing with resp...
by fsrph
Sat Feb 10, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 54
Views: 6327

Re: Financially secure, horrible workplace but just can't FIRE

Sometimes I feel like I should just try and last a few more years When you feel that way, what is/are the reason(s) you feel you should stay? You want more money? Fear of having nothing to do? Fear of the unknown? Something else? I would like to thank everyone for reading and/or responding to my po...
by fsrph
Fri Feb 09, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 54
Views: 6327

Financially secure, horrible workplace but just can't FIRE

I'm having a hard time retiring and trying to figure out what's holding me back. I have thought about this a lot. I've heard it's better to retire to something rather than away from something. But what if your job is so bad you have to get out? My job was fine for decades. I work in healthcare and 7...
by fsrph
Fri Jan 26, 2018 6:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4129

Re: Happy Birthday, Taylor!

Very Happy Birthday Taylor. Thanks for all your wise and sensible advice over the years. You helped many more people than you'll ever know. Also, a great big thanks for the years you spent serving our country.

Francis
by fsrph
Sat Jan 13, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 3512

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

Hmm. According to this article: http://www.mymoneyblog.com/cobra-and-retroactive-health-insurance-coverage.html "You have 60 days after you lose your benefits to elect to pay for COBRA coverage. However, even if you enroll on Day 60, your coverage is retroactive to Day 1. Of course, you’ll have to ...
by fsrph
Sat Jan 13, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 3512

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

If I slip / fall on the ice and show up in the emergency room 2/15, I suspect the very first thing the hospital will do is confirm my health insurance is in effect. I strongly suspect that if I haven't paid for coverage, no coverage exists. Providing care on 2/15 and then billing the insurance comp...
by fsrph
Sun Jan 07, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4101

Re: Oil filled space heaters

I wonder how much difference there is in the brand you buy. I have a Pelonis oil heater and it works great in a small room. Use it all night in a bedroom and it gives quiet, even heat. But put it in a larger room and its mostly ineffective. I wonder if I bought a more expensive brand would if functi...
by fsrph
Sun Jan 07, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 23
Views: 2696

Re: Teeth Whitening

Rupert wrote:
Sun Jan 07, 2018 10:50 am
My dentist told me that Crest Whitestrips work as well or better than any whitening procedure they do in her office.
I second this. Crest Whitestrips work great. I've tried "generic" store brands of Whitestrips and they did not work well.

Francis
by fsrph
Tue Jan 02, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 68
Views: 4995

Re: State Farm vs Geico

I can only speak about the car insurance part. Had State Farm for decades. Finally decided it was time to look around. Geico gave me a price significantly lower and that was for better coverage. So I let my State Farm agent see the Geico quote and she said they were unable to match or beat it. So I ...
by fsrph
Sat Dec 30, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6807

Re: manual car for new teen driver

From about 1984 all of my cars had a manual transmission. For the OP 's needs I'd recommend a Forester from around 2010. Look for one with the Premium package and get a huge sunroof. I own one and it's a great all weather vehicle.

Francis
by fsrph
Fri Dec 22, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 58
Views: 6871

Re: Early retirement pros and cons:

I think it really depends on how much you like your job. If you love your work, then I suppose there is less incentive to stop. If you don't like your job and a person can financially pull the trigger, then I don't see too much of a problem with it. As an option, that person could also find another...
by fsrph
Tue Dec 12, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 63
Views: 6664

Re: State Farm Insurance, Time to Leave

A few years ago I had the same situation as you. Long time State Farm customer and the yearly rate increases really added up over time. After looking at my options I went with Geico. Very happy with my choice. Received higher amounts of insurance for significantly less money. Geico also has a discou...
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: 2683

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: 2068

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: 11340

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: 4756

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: 3328

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: 4788

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: 171
Views: 22150

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: 3503

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: 2376

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: 1823

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: 2667

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: 2667

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: 2667

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: 2667

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: 2667

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: 2667

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: 2667

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: 2667

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: 2667

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: 6061

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: 2249

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: 4760

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: 4760

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: 8483

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: 4760

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: 9422

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: 7691

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: 7691

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: 7230

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: 7220

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: 5631

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