Search found 2974 matches

by mouses
Wed Apr 25, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 61
Views: 4080

Re: Building a New Home (Talk me out of it!)

No, no, no, no, no. More nice neighborhoods than one can imagine have been ruined by people building out as close to the lot lines as possible. Build a normal sized house so you don't blight the neighborhood and ruin all your neighbors views by having them see a monster house out of proportion to ev...
by mouses
Wed Apr 25, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: how would you handle this--collecting life insurance
Replies: 13
Views: 989

Re: how would you handle this--collecting life insurance

I am sorry for your loss. What insurance company is this? Maybe someone here knows if they are reputable or not. I am sure you will need a death certificate. In fact you should get a bunch of them, maybe ten as a first guess, because you will need them for all sorts in financial institutions and pos...
by mouses
Wed Apr 25, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 34
Views: 2782

Re: Schwab Vs Fidelity Vs Vanguard

I agree that Vanguard has abysmal customer service compared to Schwab, not the least of which is not being available 24/7, but one thing I do like about Vanguard is the easy readability of their website. As I get older and as website designers apparently have twenty to thirty year old eyesight, I fi...
by mouses
Wed Apr 25, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Is there any app/software that neatly tells you daily gains/losses?
Replies: 14
Views: 1071

Re: Is there any app/software that neatly tells you daily gains/losses?

I would like to build a portfolio of various things some of which I own and some not, and track profit or loss since the beginning fake purchase date for each item. It is difficult to do this with Excel if one wants to reinvest dividends. Is there something out there that will let me do this on a we...
by mouses
Wed Apr 25, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 84
Views: 3994

Re: AAA? What to do in car emergencies?

OP, I got to thinking further, and if your hubby took care of other things that you don't have expertise in, such as house and yard repairs or car maintenance, what I find useful as a single female is to locate good dependable service people to handle those things. You may already know who they are,...
by mouses
Wed Apr 25, 2018 8:00 am
Forum: Personal Finance (Not Investing)
Topic: How long does a will last? [Time to settle the estate]
Replies: 43
Views: 3683

Re: How long does a will last? [Time to settle the estate]

... A revocable living trust would have avoided a lot of that mess. In most cases it won't make much difference. You still have to deal with the assets, debts, expenses, taxes, and often most important the people involved. In one case we're still litigating even though the decedent died about 7 yea...
by mouses
Wed Apr 25, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 63
Views: 3784

Re: [Vanguard account locked out due to deceased owner]

I haven't had time to read all the replies. I was my Mom's executor. It was standard for me to have to supply a death certificate and a copy of usually a subset of pages of her trust and or will showing me as the executor/trustee to get access to her accounts. As I recall, in another situation, Fide...
by mouses
Tue Apr 24, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: How long does a will last? [Time to settle the estate]
Replies: 43
Views: 3683

Re: How long does a will last?

The time needed to administer an estate can vary considerably from one estate to another. Doing is well is more important than doing it quickly. We had two that were open for about 20 years, though most were wound up shortly after the audit of the estate tax return was completed or the estate tax r...
by mouses
Tue Apr 24, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: How long does a will last? [Time to settle the estate]
Replies: 43
Views: 3683

Re: How long does a will last? [Time to settle the estate]

The sister has done nothing out of line. I think that a lifetime of animosity is interfering with reasonableness. I have been involved personally with half a dozen estates and in all of the cases there were no assets distributed before a year. Yes, in some cases, there could have been. But in all c...
by mouses
Tue Apr 24, 2018 6:20 am
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2096

Re: estate planning with animals

If your state allows it, you might consider a pet trust. We have one in Illinois. You can set up a trust to fund your animals' care with the residual going wherever you want. That way you know the money will not be spent on anything else. You still need some trusted person to administer the trust. ...
by mouses
Mon Apr 23, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 84
Views: 3994

Re: AAA? What to do in car emergencies?

I'm sorry for your loss. I have had AAA for decades. It is really peace of mind. Also they do state motor vehicle stuff in my state, saving a lot of time compared to the infinite seeming lines at the regular DMV offices. Occasionally when I get a prescription filled, I find the pharmacy has used AAA...
by mouses
Mon Apr 23, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: How long does a will last? [Time to settle the estate]
Replies: 43
Views: 3683

Re: How long does a will last?

...now you see why your girlfriend's sister got nasty when she was asked about where the money is. Perhaps my eyes are failing but it's not at all obvious why any nastiness was justified. Of course, there may be more to the story, but...? Perhaps nastiness on both sides. We don't know if the execut...
by mouses
Mon Apr 23, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: How long does a will last? [Time to settle the estate]
Replies: 43
Views: 3683

Re: How long does a will last?

Her sister probably doesn't need the money right know because she was in charge of selling the house and everything in it. The grandfather had gold, cash, guns and other things that the sister probably sold. Are you implying the sister kept the proceeds for herself when they were due also to the ot...
by mouses
Sun Apr 22, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2096

Re: estate planning with animals

Good for your mother's friend. I would have looked in the animal shelters, but I suspect the guy didn't even go to that trouble, just drove the cat somewhere and dumped it.

If I had my way, anyone who harmed an animal would be teleported into the sun, and that's probably too good for them.
by mouses
Sun Apr 22, 2018 6:53 am
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2096

Re: estate planning with animals

Just as you can set up a trust to care for a dependent adult child after your passing, you can also set up a trust for the benefit of your animals after your passing. The trust would specify when/how the animals are to be rehomed, or which relative receives the property due to agreeing to care for ...
by mouses
Sun Apr 22, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 34
Views: 1868

Re: Medical alert "button"

I recommend taking a look at VTech phones. https://www.vtechphones.com/products/careline-senior-phones We have regular handsets along with a programmable pendant and two programmable picture phones; I'd check with the company but I'm sure you can purchase additional pendants. That doesn't seem to c...
by mouses
Sun Apr 22, 2018 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Interesting vs higher paying job
Replies: 40
Views: 2904

Re: Interesting vs higher paying job

The one time I went with the money instead of interesting work, I subsequently regretted it. Life is short, enjoy it. Besides, Silicon Valley culture has become toxic, from what I hear. Every worst aspect of the 1% from people so young that they have no empathy for others or care for the planet what...
by mouses
Sat Apr 21, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 34
Views: 1868

Re: Medical alert "button"

I recommend taking a look at VTech phones. https://www.vtechphones.com/products/careline-senior-phones We have regular handsets along with a programmable pendant and two programmable picture phones; I'd check with the company but I'm sure you can purchase additional pendants. That doesn't seem to c...
by mouses
Sat Apr 21, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2096

Re: estate planning with animals

I've left a significant amount of money in my will for the care of any pets I have at the time if my death, since I know what medical care cost of one who had a chronic illness, very expensive, and the executor gets to pick who gets that and the pets. However, I have three people lined up and the ex...
by mouses
Sat Apr 21, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Bose quiet comfort noise cancelling headphones
Replies: 10
Views: 1484

Re: Bose quiet comfort noise cancelling headphones

When you say "working poorly", what exactly do you mean? Are noises not being cancelled? Is there background static or popping noises? A better description of the problem can lead to more help with troubleshooting the issue. It's the noise cancellation that is not working well. For example, they us...
by mouses
Sat Apr 21, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 34
Views: 1868

Re: Medical alert "button"

I'm starting to get some flack from my younger brother that I should have one of these. My concern is that somehow it would go off and the emergency people would break into the house, and my cat would get out and get lost. I even imagine it going off and sending them to my house when I'm in a neighb...
by mouses
Sat Apr 21, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: So many problems I can't even figure out how to prioritize them
Replies: 27
Views: 2654

Re: So many problems I can't even figure out how to prioritize them

Inside Water main valve : It is down under the house, very inaccessible. Water pressure regulator : Needed, apparently. From our home inspection before purchase, our water pressure is too high. The above are structural integrity issues. Door weather stripping : Front door's weather stripping is mis...
by mouses
Sat Apr 21, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 85
Views: 9204

Re: Pension Freeze - What did you do?

.... For many years, and even just a month ago, the CEO stood up and reported in person to the employees that we are excellent workers, our customers love us, and we have a bright future. Apparently they were always lying. Not really a surprise, but what was the point of the deception? And I am sur...
by mouses
Fri Apr 20, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Bose quiet comfort noise cancelling headphones
Replies: 10
Views: 1484

Re: Bose quiet comfort noise cancelling headphones

Thanks, I suspect it is the foam surround of the earpads and I need to try replacing that. I do not look forward to messing with a $300 device :-)
by mouses
Fri Apr 20, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Bose quiet comfort noise cancelling headphones
Replies: 10
Views: 1484

Bose quiet comfort noise cancelling headphones

I have Bose Quiet Comfort 25 headphones which I bought a couple of years ago and use solely for noise cancelling. I haven't used them for a few months and when I put them on this morning, the noise cancelling is working poorly. I put in a new battery and checked to make sure the green On light is on...
by mouses
Fri Apr 20, 2018 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Brokered CD Interest Compounding
Replies: 13
Views: 1429

Re: Brokered CD Interest Compounding

Yes, I am aware of that. I just wanted to make sure that you understood that quoted yields from brokers make the assumption that you are able to reinvest your coupons in some sort of investment vehicle that pays the same rate. This is often not the case, so your actual yield may be less (or more if...
by mouses
Fri Apr 20, 2018 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Tax day come and gone.....
Replies: 29
Views: 2934

Re: Tax day come and gone.....

Paid real estate tax before Dec 31 for which I had a bill with last date of payment of Jan 31. Please do the following as a favor to your fellow desi BH. Make a copy your tax return file. Modify it to change your RE tax bill by half in the software. Compare your tax liability. I suspect you will be...
by mouses
Fri Apr 20, 2018 2:22 am
Forum: Personal Finance (Not Investing)
Topic: How risky to have savings more than $250k FDIC limit?
Replies: 42
Views: 7577

Re: How risky to have savings more than $250k FDIC limit?

Why take this risk? I have had brokerage CDs in banks that bellied up, but fortunately were insured.
by mouses
Thu Apr 19, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 16261

Re: anyone else not liking the new cars?

munemaker wrote:
Thu Apr 19, 2018 3:42 pm
steelerfan wrote:
Wed Apr 18, 2018 1:01 pm

Also, the new rear end on Honda Civics ... is just awful.
I like the back end of this Civic! Beauty is in the eye of the beholder.

Image
It looks like some unfortunate species cross bred :-)
by mouses
Thu Apr 19, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 16261

Re: anyone else not liking the new cars?

the darn center console often keeps me from turning my right foot outwards enough. On some cars, the left foot is angled inwards. ... There is way too much emphasis on rear seats. They compromised the front ones. I really don't care about the rear seats. They are just for grocery bags for me. ... A...
by mouses
Thu Apr 19, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3481

Re: Good Dad, Bad Dad

However, you should be hesitant about encouraging him to get a job just to pay for or help pay for a car when he should be putting his time and effort into school. +1 This is why I only had a job summers when I was in college. It would have impacted my grades adversely if I had taken time away from...
by mouses
Thu Apr 19, 2018 2:04 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4317

Re: PC laptops

I have found that HP laptops are not good. The hinges tend to break over time. The customer service is terrible; you wind up on two hour hold to our friends in Bombay or wherever the heck they are, and when you finally reach them you might as well not have. I am really happy that I changed to Lenovo...
by mouses
Tue Apr 17, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4204

Re: car at 80

We just bought a Buick, all of ours turn the light off automatically, and all have traction control which is really helpful when getting going on hard snow or ice. Many of the models we test drove had features like lane departure warning adaptive cruise These can be quite helpful, though we did not...
by mouses
Tue Apr 17, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3060

Re: Medicare Questions

They will try come up with all kind of justifications. I have yet to find an anesthesiologist who makes < $500K. They find little sympathy from me. I have great admiration for the medical profession. Not so much for anesthesiologists. Other doctors have to deal with the same insane health care syst...
by mouses
Tue Apr 17, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3060

Re: Medicare Questions

Also, there are actually three categories of Medicare billing from providers: Accept assignment: They agree to accept Medicare payment schedules including deductibles and co-payments/co-insurance. Plan G will pay everything Medicare doesn't pay except for the Part B deductible. Do not accept assign...
by mouses
Tue Apr 17, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Please suggest a file folder type
Replies: 21
Views: 1155

Re: Please suggest a file folder type

I would save them digitally, in two places, one offsite. Then no large use of space, no loss of data if there's a fire or flood, etc.
by mouses
Tue Apr 17, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4204

Re: car at 80

I'm in my 70s. When I park the car at home, I park it in the garage and the headlights show up dramatically against the front wall. Not a help if he is forgetting when he parks it elsewhere. But I don't do a lot of driving at night. I was mumbling to my ortho doc about the difficulty getting in and ...
by mouses
Tue Apr 17, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: buying bonds
Replies: 8
Views: 664

Re: buying bonds

onourway wrote:
Tue Apr 17, 2018 8:16 am
Why do you wish to buy individual bonds rather than simply holding a bond fund?
My perhaps erroneous understanding is that the price of shares in a bond fund fluctuates and will go down if interest rates increase. By buying an individual bond(s) and holding them to maturity, I avoid that loss.
by mouses
Tue Apr 17, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Human Touch WholeBody 7.1 Massage Chair review
Replies: 9
Views: 1169

Re: Human Touch WholeBody 7.1 Massage Chair review

I tried one of these at a home show. If I had had $1800 to throw around, I would have bought it on the spot. I can't speak to how long they last, though.
by mouses
Tue Apr 17, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: buying bonds
Replies: 8
Views: 664

buying bonds

So I am a newbie at buying bonds and have been reading up and prowling the Vanguard website before I do anything. My plan is to buy and hold until maturity. I would prefer to buy new issue bonds so I don't have to crunch numbers on the offered prices to get the actual interest rate. So I go to the V...
by mouses
Mon Apr 16, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Structured Settlement versus cash
Replies: 10
Views: 951

Re: Structured Settlement versus cash

I am very sorry.

Are you sure any of this is taxable? That seems odd to me and google seems to say no.

I always trust myself handling money more than I trust some company handing it out over years.
by mouses
Mon Apr 16, 2018 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Can I *not* claim all the state tax in my itemized deduction?
Replies: 39
Views: 4076

Re: Can I *not* claim all the state tax in my itemized deduction?

OK, now let's assume that is illegal. Then that means if I use standard deduction, or don't itemize the full amount, I'll have strong incentive to pay the state only up to the actual state tax that will be assessed, and not a cent more, right? If I use standard deduction, for example, then how much...
by mouses
Sun Apr 15, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: 52 oz, the new orange juice size?
Replies: 21
Views: 1569

Re: 52 oz, the new orange juice size?

We (the collective "we," not you and I specifically) are the cause of all this downsizing. It's what consumers often prefer (versus price increases) when voting with their dollars. That's not clear to me. I prefer buying things that last, but in many cases all there is is made in China junk. I woul...
by mouses
Sun Apr 15, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 3504

Re: Unaffordable prescription drug

Do they ever confiscate at customs? This is a daily injection, so traveling home with 180 vials and needles might seem suspicious. Are the needles expensive? If not, you might buy those in the U.S. Although I once had a mess of a time buying insulin needles for my cat in the U.S. from some nutcase ...
by mouses
Sun Apr 15, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 3504

Re: Unaffordable prescription drug

Inhalers are even cheaper here in Europe. Are they really $400 in the US? That's crazy. If I buy them with no prescription, I pay US$4.50. $4.50, I think I'm going to puke. A two month asthma inhaler costs me $400 in the US, $100 bought through a reputable Canadian pharmacy. Cross fingers, the feds...
by mouses
Sat Apr 14, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 goes into the ether. what now?
Replies: 21
Views: 1638

Re: 1040 goes into the ether. what now?

The delivered notice showed up. Oh, me of little faith :-)
by mouses
Sat Apr 14, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: HELP..not sure what to do at 55 YOA
Replies: 21
Views: 2780

Re: HELP..not sure what to do at 55 YOA

I haven't read all the replies. BurnedBefore, At the very least, you should look at CDs at federally insured banks and credit unions. You cannot lose money on these unless you take the money out early, in which case you will have to pay an early withdrawal penalty, which is usually six months to a y...
by mouses
Sat Apr 14, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 6176

Re: vanguard notice - retiring our old investment platform

I might not be up to date, but the last I knew you could not schedule "automatic" exchanges from say, Prime MM to a muni fund or auto exchanges to a bank account on/in the brokerage platform. I don't do either now, but it would be handy if I depart earlier than my wife. No internet where you're goi...
by mouses
Sat Apr 14, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: 1040 goes into the ether. what now?
Replies: 21
Views: 1638

Re: 1040 goes into the ether. what now?

The poor Post Office. It has to handle this big flood of mail, and meanwhile it is choked by (I'll delete this political comment to save the mods some time.) The IRS is in similar tough straits. I don't think it's fair to say "the poor Post Office." Alternatively the Post Office complains about hav...
by mouses
Sat Apr 14, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 126
Views: 16787

Re: Tipping for restaurants where you order at the counter

Your nearby cafe where the owner takes all the tips, for himself. That is an afront to me. That is unethical, unreasonable, and wrong in so many ways. I would not eat there if I knew is for a fact. I would tell them that also. So wrong. I agree that it is unethical. When I eat there I either leave ...