Search found 3220 matches

by mouses
Mon Jun 18, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 48
Views: 4908

Re: Lost job. Take early SS or draw from accounts?

I would suggest that she immediately apply for SSDI, which isn't that easy to get, but something which may solve her problem. SSDI pays the claimant's PIA, even when received before FRA. I also don't understand why she isn't eligible for disability. I have heard that people often get turned down th...
by mouses
Mon Jun 18, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 53
Views: 3730

Re: how to make friends in new location?

I'm beginning to believe the world is becoming a lonelier place for a lot of people. I'm just not one of them. People come around me all the time, particularly when I don't want them to (like when I'm studying energizing, inspiring, and amazing stuff written by the smartest people in the room). The...
by mouses
Sun Jun 17, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 53
Views: 3730

Re: how to make friends in new location?

I suggested this in another thread, but volunteer for Meals in Wheels, People who are shut in often like to chat to the MOW folks as that may be their only human contact for the day.
by mouses
Sun Jun 17, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 53
Views: 3730

Re: how to make friends in new location?

I'm beginning to believe the world is becoming a lonelier place for a lot of people. I'm just not one of them. People come around me all the time, particularly when I don't want them to (like when I'm studying energizing, inspiring, and amazing stuff written by the smartest people in the room). The...
by mouses
Sun Jun 17, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Cosmetic Question about teeth
Replies: 9
Views: 1212

Re: Cosmetic Question about teeth

Both of my dentists are against whitening because of the nerve sensitivities it can cause.
by mouses
Sun Jun 17, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: wetlands permit for septic system replacement
Replies: 10
Views: 728

Re: wetlands permit for septic system replacement

With my system, it's the engineer who got the permits.

Why do you think you need a larger system?
by mouses
Sun Jun 17, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 112
Views: 4985

Re: Which Supermarket are you?

I definitely don't believe in Organic or non-GMO food. It doesn't make intellectual sense from a risk perspective... i.e. there is no, or at most a vanishingly small risk, to non-organic or GMO food. Until GMO farmers can keep their crops from contaminating organic farms even miles away, I don't bu...
by mouses
Sun Jun 17, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 112
Views: 4985

Re: Which Supermarket are you?

Dave's Market, which is a local Rhode Island chain with several locations. When I lived in California, I shopped at Whole Foods and occasionally Safeway for stuff Whole Foods did not carry. It was great that Safeway was open 24/7. Here the sidewalks roll up at 9pm or so. Whole Foods in California ha...
by mouses
Sun Jun 17, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Standard buyer's remorse or poorly timed enlightenment?
Replies: 40
Views: 3378

Re: Standard buyer's remorse or poorly timed enlightenment?

Honestly, I think this is more psychological to us than anything, but it just doesn't feel right, DH not working while we're still funding college (even though we have college funds set aside). I guess I'm worried about a financial disaster putting our youngest's education at risk. My issue, not yo...
by mouses
Sat Jun 16, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 148
Views: 14900

Re: Should I take possession of a certified mail?

toofache32 wrote:
Sat Jun 16, 2018 7:07 pm
I was hoping it was the Nigerian Prince sending money as promised. I’m still waiting on my check.
Hey, my ancestry DNA says I'm part Nigerian (surprise!). I'm still waiting for my Prince. He's a little late showing up :-)
by mouses
Sat Jun 16, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 57
Views: 4053

Re: What are your hobbies?

I did not want to derail the thread “Life in retirement-what did you do today?” So I started another to drill down on hobbies. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=251415&p=3975855&hilit=What+did+you+do+today#p3975855 I am happy I left my job for ER. However, I worked so much at my...
by mouses
Sat Jun 16, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 148
Views: 14900

Re: Should I take possession of a certified mail?

I can't believe i scrolled through this whole thread trying to find out what was in the letter.
by mouses
Sat Jun 16, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24154

Re: Concierge medicine Worth It????

Single payer is really the only way to go. Sure, it has its problems, but they are dwarfed by the enormous waste of money that winds up in the pockets of the insurance and pharmaceutical companies with the current system. Concierge vs. non-concierge is just trying to put a bandaid on a fracture.
by mouses
Sat Jun 16, 2018 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Thrivent?
Replies: 17
Views: 1701

Re: Thrivent?

Like a credit union, a fraternal has to have a common bond. It was Lutheran, now it is Christian. The by-laws still read "Thrivent Financial for Lutherans" and you have to be Lutheran to serve on the board but that is about it. So, not very Lutheran. They discounted the lutefisk Christmas dinners y...
by mouses
Sat Jun 16, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 43
Views: 3449

Re: Contractor - Threatening Lien/Lawsuit

Scam. Ignore him and move on. The issue with that is the problem isn't solved and other people will continue to be ripped off. Hence the need to post reviews, including at the BBB. I have used the BBB in the past. Once they got a refund for me and once all they could do was tell me the person ignor...
by mouses
Fri Jun 15, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 43
Views: 3449

Re: Contractor - Threatening Lien/Lawsuit

Don't forget to post bad reviews.
by mouses
Fri Jun 15, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 103
Views: 8113

Re: I was rear ended and the other guy wants a payout!

As I read OP’s description, and then looking at it from the other driver’s view, I think he has a point. You pulled out and went slow enough that he had to brake to avoid you. File your claim with your insurance, and let it play out. Consider yourself fortunate you were not cited. Drivers are suppo...
by mouses
Fri Jun 15, 2018 4:28 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3522

Re: Non-alcoholic drinks for wedding

daheld wrote:
Thu Jun 14, 2018 10:05 am
If you're going to serve soda (what in the world is pop?! :) )
Pop is tonic :-)
by mouses
Fri Jun 15, 2018 4:21 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Charles Schwab account
Replies: 19
Views: 1748

Re: Vanguard or Charles Schwab account

I have an account at each. I was in the process of moving assets to the Vanguard account, when their customer service drove me crazy with a transfer hung up for weeks, so I took the remaining assets to the local Schwab office. No question, Schwab's customer service is much much better than Vanguard'...
by mouses
Thu Jun 14, 2018 12:06 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 179
Views: 14994

Re: Life in retirement - what did you do today?

Most days I go to McDonalds and get a Diet coke, coffee and a yogurt parfait. I had some minor surgery so am supposed to take it easy but it is day 11 - and I wanted to fix my garden. The guy on the lawn service motorized lawn mower totally destroys my lawn. Last year I had a new driveway installed...
by mouses
Wed Jun 13, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: Why market drop when Fed announced rate increase?
Replies: 19
Views: 2486

Re: Why market drop when Fed announced rate increase?

bligh wrote:
Wed Jun 13, 2018 5:06 pm
The Fed also removed their statement that they expected interest rates to remain below longer run levels for some time. Which increases the probability that they expect interest rates to return to longer run levels.
What's a longer run level?
by mouses
Wed Jun 13, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA Experts Needed: Newborn Coverage
Replies: 11
Views: 924

Re: COBRA Experts Needed: Newborn Coverage

Health coverage should be separated from employment status. It would go a long way towards promoting "the general Welfare" of the "People of the United States" as the Constitution so eloquently states. If I could go back in time, I'd ask my granddad, Why did you emigrate from Denmark to the U.S.? W...
by mouses
Wed Jun 13, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Any problem opening fund "Investor", then building to "Admiral"?
Replies: 25
Views: 1561

Re: Any problem opening fund "Investor", then building to "Admiral"?

swimfin wrote:
Wed Jun 13, 2018 2:53 pm
https://investor.vanguard.com/investing/account-fees

Read link above. Synopsis: $20 fee annually for each fund, unless you sign up for e delivery.
Only if the account balance is less than $10,000.
by mouses
Wed Jun 13, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA Experts Needed: Newborn Coverage
Replies: 11
Views: 924

Re: COBRA Experts Needed: Newborn Coverage

I will be leaving my current job at the end of the month. Health insurance at my new employer begins on the 31st day of employment. I've never had a job where health insurance didn't start immediately... What is this nonsense? All their new employees and their families are supposed to be uninsured ...
by mouses
Wed Jun 13, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Thrivent?
Replies: 17
Views: 1701

Re: Thrivent?

Thrivent was Aid Association for Lutherans. I've never found their savings products competitive. They do donate a lot to at least Lutheran causes.
by mouses
Wed Jun 13, 2018 2:55 am
Forum: Personal Finance (Not Investing)
Topic: COBRA Experts Needed: Newborn Coverage
Replies: 11
Views: 924

Re: COBRA Experts Needed: Newborn Coverage

I will be leaving my current job at the end of the month. Health insurance at my new employer begins on the 31st day of employment. I've never had a job where health insurance didn't start immediately... What is this nonsense? All their new employees and their families are supposed to be uninsured ...
by mouses
Wed Jun 13, 2018 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Car Lease for parents
Replies: 37
Views: 2514

Re: Car Lease for parents

Alexa9 wrote:
Sat Jun 09, 2018 4:40 pm
Your parents are at about the too old to drive age honestly. I'd be looking at nursing homes, not a new car.
Boo. Ageism. You have no idea what kind of driver the Mom is, nor even if she needs to go into a nursing home.
by mouses
Wed Jun 13, 2018 2:39 am
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2189

Re: House that was in trust is actually in estate

I think I know why your Mom moved it out of the trust for financing. As I talk about in another thread, I'm in the process of applying for a loan rather than take money out of my IRAs, and the credit union has its knickers in a twist because my house is in a trust. They apparently aren't familiar wi...
by mouses
Tue Jun 12, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 148
Views: 14900

Re: Should I take possession of a certified mail?

He's a nut. I would read the letter; if I drank, I would take a stiff drink first :-) But I would try to cut off all contact with him, other than maybe you need a lawyer depending on the contents of the letter. In my town, you can get a no contact order just by asking the police for one, if it comes...
by mouses
Tue Jun 12, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2189

Re: House that was in trust is actually in estate

Determined wrote:
Tue Jun 12, 2018 5:09 pm
If it is in the estate, her will says it has to go to trust. Aghh!
Well, then, it is in the trust. Show the will to the title company. My will has a provision like this, anything I own that is not in the trust when I die, goes into the trust.

You do not have a problem.
by mouses
Sun Jun 10, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Charity giving how much? How much do other retirees give?
Replies: 7
Views: 496

Re: Charity giving how much? How much do other retirees give?

I try to give each organization at least what I gave the year before and sometimes a bit more. These are small local groups, so it is hard on them if there is a drop in donations.
by mouses
Sun Jun 10, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3491

Re: The effect of a difficult last name on employment prospects...

I think if I were sending out resumes, I would put after my name (pronounced whatever.) That tells people how to refer to you, and clues them in that you won't be offended if they mispronounce it. I probably would have an off the record conversation with someone higher up in the food chain where you...
by mouses
Sun Jun 10, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: ignorant question about fixed rate home equity loans
Replies: 18
Views: 1206

Re: ignorant question about fixed rate home equity loans

I do expect to spend all of it in the next couple of months, as the project will take that long. Once it gets started, that is. I'm waiting on the contractor telling me his schedule. He is highly recommended by multiple people and spent a lot of time out here with one of his subs before he sent me a...
by mouses
Sun Jun 10, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Best HEPA air purifier for cat allergy sufferer?
Replies: 13
Views: 753

Re: Best HEPA air purifier for cat allergy sufferer?

Besides the air purifier, make sure your vacuum cleaner has a HEPA filter.

I got good results just using HEPA bags in a regular vacuum cleaner, without buying one of those expensive vacuum cleaners.
by mouses
Sun Jun 10, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 26
Views: 2055

Re: College: extraneous expenses

Our meal plan had wretched stuff, and was expensive, but it was mandatory. After some experience with yours, you may want to get out of it if you can. Also you may be eating elsewhere quite a bit of the time just because of the distances on campus. If possible, buy used textbooks and sell them when ...
by mouses
Sun Jun 10, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Investing some of mom's money,
Replies: 31
Views: 2001

Re: Investing some of mom's money,

I'm worried that your parents' taxes might be a mess, if your Mom does not even know where all her accounts are.
by mouses
Sun Jun 10, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2546

Re: Foreign language immersion daycare

mrsbetsy wrote:
Sat Jun 09, 2018 8:12 pm

A significant part of my life is spent with gifted students and not one standardized test gives a hoot about another language. However, the vocabulary, idioms, similes, and inferred language is a *huge* component.
My experience with standardized tests is that they suck eggs.
by mouses
Sun Jun 10, 2018 6:18 am
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2546

Re: Foreign language immersion daycare

By the time your unborn child is an adult, the only use of speaking foreign languages will be to impress the opposite sex. Technology is already very close to making the skill obsolete. We do VCs with live translation from time to time where the software takes care of it. My team member with 5 flue...
by mouses
Sun Jun 10, 2018 5:24 am
Forum: Personal Finance (Not Investing)
Topic: ignorant question about fixed rate home equity loans
Replies: 18
Views: 1206

Re: ignorant question about fixed rate home equity loans

spammagnet wrote:
Sun Jun 10, 2018 12:50 am
cherijoh wrote:
Sat Jun 09, 2018 10:07 am
Are you qualified to join this other CU?
Not the OP but credit unions in my area require only that you have a pulse and $5.
That's about it :-)
by mouses
Sat Jun 09, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: ignorant question about fixed rate home equity loans
Replies: 18
Views: 1206

Re: ignorant question about fixed rate home equity loans

It is a fixed rate lump sum home equity loan. If I get it, $30,000 magically appears in my account at the credit union, to which I already belong, and then I can pay the contractor as needed. The contract is for somewhat more than that amount and I have already shelled out for the engineering plans....
by mouses
Sat Jun 09, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: ignorant question about fixed rate home equity loans
Replies: 18
Views: 1206

Re: ignorant question about fixed rate home equity loans

I think I am going to punt on the 3% and just hope the 3.74% works out. I do use Schedule A and last year it totaled about $26,000 with a bit over $10K in taxes as part of it, so if I can put this additional interest on it, that would be good. I am going to write the IRS a letter and see if the proj...
by mouses
Sat Jun 09, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: ignorant question about fixed rate home equity loans
Replies: 18
Views: 1206

Re: ignorant question about fixed rate home equity loans

depends on how much/often you plan to dip into the line, and for how much. $10k * .74 = $740 interest per year. x 5 years? You said "humongous" expense coming up. $50k? OTOH, if the HELOC is just for an emergency, in that you hope to not use it, then the cheapest admin/start up fees that you can ge...
by mouses
Sat Jun 09, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: ignorant question about fixed rate home equity loans
Replies: 18
Views: 1206

Re: ignorant question about fixed rate home equity loans

I understand what you're saying. I hate to throw away money :-) but the difference between 3.74% and 3% is perhaps not worth the hassle.

Most of my "banking" is with credit unions, because they generally, at least in this area, offer better rates on CDs.
by mouses
Sat Jun 09, 2018 7:18 am
Forum: Personal Finance (Not Investing)
Topic: ignorant question about fixed rate home equity loans
Replies: 18
Views: 1206

ignorant question about fixed rate home equity loans

I have a humongous house expense coming up, beyond my emergency fund. I crunched some numbers, and it appears better to get a fixed rate home equity loan than break into my IRAs. The loan interest rate is not enormous, and going into the IRAs not only results in taxes for that, but ups my tax rate. ...
by mouses
Sat Jun 09, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24011

Re: Anyone Deleting Facebook?

I have no information on facebook that I consider private. I use it a lot, as the younger generation in my family posts news and photos, and it is a great way to get updates from organizations I am interested in and to participate in old house, crafts, etc. groups. If the Russians or Monsanto want t...
by mouses
Fri Jun 08, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Paper tax return filed at deadline - still no refund 7 weeks later
Replies: 12
Views: 1035

Re: Paper tax return filed at deadline - still no refund 7 weeks later

jacoavlu wrote:
Thu Jun 07, 2018 9:52 pm
I’m pretty sure my wife and I both signed the return.
I scan my paper return and keep a copy in my electronic files. You don't?
by mouses
Fri Jun 08, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3758

Re: Death - Prediction

You point the finger at pharmaceuticals, just remember though, those same companies are the ones actually taking the risks to discover these molecules that save your life, the others, well they are just "fluff". I used to believe that stuff about the staggering price increases being needed to cover...
by mouses
Fri Jun 08, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3758

Re: Death - Prediction

My dad smoked a pack of cigarettes a day for about 45 years and ended up dying of Liver Cancer (even though he probably only drank 5 beers a year) at the age of 63. I'm much more well off than my parents were and I've never smoked, so I'm hoping to get to 85. I'm 33 now. Smoking damages the liver a...
by mouses
Fri Jun 08, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3758

Re: Death - Prediction

I think the expensive end of life treatment to keep terminally ill people alive in their 90's is somewhat of a burden on the healthcare system. I can think of much greater burdens on the health care system, like pharmaceutical companies charging thousands of times the research and production costs ...
by mouses
Fri Jun 08, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3758

Re: Death - Prediction

I dunno.... It's about quality of life for me - and I suspect most people. I hope to live no longer than I'm aware of my own life with a reasonable quality as I can imagine some grim scenarios that I know are far from uncommon. I would be fine in the 70 something's I guess. Thus writes a young pers...