Search found 2141 matches

by mouses
Tue Oct 17, 2017 5:35 am
Forum: Personal Consumer Issues
Topic: How to insulate a skylight?
Replies: 7
Views: 11420

Re: How to insulate a skylight?

I understand the reasons for skylights, but I would never have one in my house if I had a choice. They're basically holes in the roof. One of mine cracked, and it took forever to find a company to replace it. I'm just lucky it had not started leaking by then.
by mouses
Tue Oct 17, 2017 5:28 am
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 16
Views: 1991

Re: Roofer stopped showing up - what are my options?

I learned the hard way to put completion dates in contracts, and not to pay too much in advance. Besides the advice above, a complaint to the BBB. This has always worked for me except once, when the guy had disappeared. Even if it fails, there will be a black mark against him on their website, which...
by mouses
Tue Oct 17, 2017 5:25 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 2938

Re: Bonus pushed back - should I be annoyed?

Especially, nowadays, I have millennials all the time who leave to pursue trivial matters....follow a girlfriend to another city, go to Colorado w/o a future job, the reasons are endless. I'm by no stretch of the imagination a millennial, but I do not view these are trivial reasons. Is an employee ...
by mouses
Tue Oct 17, 2017 5:18 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 2938

Re: Bonus pushed back - should I be annoyed?

I would keep your annoyance to yourself at work. As an employer I would find it irritating that an employee was complaining about the timing of a "bonus." I don't like it when they get uppity, either. In fact, I think employees who complain should not be employed at all. If they want to remain empl...
by mouses
Tue Oct 17, 2017 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 186
Views: 20048

Re: Retirement Account Stolen by Identity theft

letsgobobby wrote:
Sat Oct 07, 2017 3:32 pm
I don't have an opinion about Transamerica's liability, but wouldn't it get annoying if they, or Vanguard, called every time you wanted to change an address, withdraw a 'large' sum, whatever? Maybe it's rare enough that it would be tolerable.
I would opt in to this if they had such a feature.
by mouses
Mon Oct 16, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1310

Re: Medicare Questions - Please Help

I am thinking we will need Medicare Advantage, since we need dental and vision. Regular Medicare and hence Medigap pay for vision stuff that is more complex than just getting a prescription. I'm not sure about optional things like lasik. But glaucoma, fuch's, etc. all that is considered "medical" n...
by mouses
Mon Oct 16, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: undiagnosed health (GI) issue
Replies: 2
Views: 369

Re: undiagnosed health (GI) issue

If this were me, I'd make an appointment at an excellent teaching hospital to get this diagnosed. If you have picked up some parasite, messing with diet seems unlikely to do any good, and I suspect the random GI doctor is not going to find it. The CDC website says: The American Society of Tropical M...
by mouses
Sun Oct 15, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5471

Re: Help me understand what happen with the new law and ACA subsidies

Actionable items: Get a job with group insurance Marry someone with group insurance Houston, we may have a problem. (1) I may be too old to get a job, but too young to be on Medicare. (2) I can't find someone with group insurance to marry. Unless one is ill, I think many under 65 will be able to fi...
by mouses
Sun Oct 15, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1732

Re: Earplugs that work on low frequency noise?

I haven't had time to read all the replies, but my suggestion is also to first politely ask them if the workers can do the work later. Be tactful. I use Bose QC25 and can sleep on my side with them. You just have to adjust the headband and pillow with one of your arms. It blocks all the noise from m...
by mouses
Sun Oct 15, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 89
Views: 4920

Re: What do you buy in Asian food stores?

AlohaJoe wrote:
Sat Oct 14, 2017 8:10 pm
For herbs...betel leaves.
I had a flashback to "South Pacific." There is some question about whether betel is harmful. Also it apparently stains the heck out of teeth.

http://www.cnn.com/2013/11/04/world/asi ... index.html
by mouses
Sat Oct 14, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Can someone help me find a mattress topper?
Replies: 5
Views: 456

Re: Can someone help me find a mattress topper?

These:

http://www.zwool.com/buy-wool-online/wo ... ress-pads/

They are wool, but covered so that there is zero scratchy feeling. They will custom make a size. They solved my too hard mattress painful back problem. The company has very nice customer service folks, also.
by mouses
Sat Oct 14, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1180

Re: Building additional garage - recommendations?

Make it easy to carry stuff like bags of groceries into the house. No steps up to the house, etc. If you don't care about this now, you will when you're older. Do not make your garage floor level with the living area. Leaking gasoline fumes (lawn mower, car, weedeater, etc,) can create a bomb like ...
by mouses
Fri Oct 13, 2017 1:54 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1180

Re: Building additional garage - recommendations?

Make it easy to carry stuff like bags of groceries into the house. No steps up to the house, etc. If you don't care about this now, you will when you're older.
by mouses
Thu Oct 12, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Tesla roof deposit: Anyone paid one?
Replies: 16
Views: 2057

Re: Tesla roof deposit: Anyone paid one?

I had no idea this existed:

https://www.tesla.com/solarroof

I'm not spending big in my house, since its days in hurricane territory/rising sea level territory are limited, but I'd certainly find out about that otherwise.

What are they quoting per square foot? I didn't see a calculator.
by mouses
Thu Oct 12, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Too old to invest at 70+ years?
Replies: 32
Views: 2401

Re: Too old to invest at 70+ years?

Did they take SS early, or wait until 70? 200K at 70 having delayed SS until 70 is much different than $200K at 70 having taken SS at 62. I know a lot of people who take SS as soon as possible, and pass up an excellent "longevity insurance" by just waiting to claim. I started SS as soon as possible...
by mouses
Thu Oct 12, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2537

Re: Social Security Card - Should I get a Replacement

motorcyclesarecool wrote:
Thu Oct 12, 2017 5:44 am
This can be a huge issue if you come from a small state. I wish I didn't have stories about people asking what state my state was in... Then receiving the dreaded handwritten "SSSS" on my boarding pass after explaining my state IS a state.
Coffee milk, Del's lemonade...
by mouses
Wed Oct 11, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 4356

Re: Which Streaming Service/Live TV?

BritBox is $6.99 a month, first month trial free. UK shows.
by mouses
Wed Oct 11, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2537

Re: Social Security Card - Should I get a Replacement

OnceARunner wrote:
Wed Oct 11, 2017 2:52 pm
A lot of employers just instinctively ask for license and social security card, because everybody has them, rather than a passport.
I haven't seen my Social Security card in decades.
by mouses
Wed Oct 11, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: frequent trading
Replies: 7
Views: 720

Re: frequent trading

No waiting. Different brokerages. I'm curious why you opened a Schwab account to hold a Vanguard fund. Was this a move to diversify institutions--risk mitigation? I was going to have everything at Vanguard, but they drove me crazy with the second set of transfers into Vanguard, which were in limbo ...
by mouses
Wed Oct 11, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 2775

Re: Boston area Relocation...major decision points

Many of your abbreviations are unknown to me.
by mouses
Wed Oct 11, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3632

Re: Pro and cons of the Prime offer by Amazon.......

I now look at jet.com first. The prices are competitive and unlike Amazon free shipping, which takes 3-4 weeks consistently, jet stuff is on my doorstep 2-3 days later.
by mouses
Wed Oct 11, 2017 6:28 am
Forum: Personal Consumer Issues
Topic: problem: Concast offers free wifi in fire areas but no one can figure out how to login
Replies: 1
Views: 301

problem: Concast offers free wifi in fire areas but no one can figure out how to login

According to various news reports, Comcast is offering free wifi access in the California wildfire areas. However, reports filtering out from friends, all tech savvy pretty much, say no one can figure out how to actually access it. Various directions are floating around and are either incomplete or ...
by mouses
Tue Oct 10, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: frequent trading
Replies: 7
Views: 720

Re: frequent trading

Thanks. Yikes :-)
by mouses
Tue Oct 10, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: frequent trading
Replies: 7
Views: 720

frequent trading

I have accounts at both Vanguard and Schwab. I had intended to have each account be about half Wellington and half Wellesley, so that's the way the Vanguard account is. The Schwab account, which I opened recently, has just money in it. But then I learned Wellington can't be bought outside Vanguard u...
by mouses
Tue Oct 10, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: anyone else with 403b account missing at Vanguard
Replies: 6
Views: 827

Re: anyone else with 403b account missing at Vanguard

Does Schwab do this? I ask because I have both a Schwab and a Vanguard account, out of paranoia about having all my non-CD stuff in one place, but I hear enough of this Vanguard losing accounts stuff that I think maybe I should just move everything to Schwab.
by mouses
Tue Oct 10, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 1964

Re: Moving Stroke Victim Out of State

I would never voluntarily get rid of a landline, because it is often the only electronic form of communication working in disasters. I wonder if most landlines in modern homes are VOIP these days. If so you are SOL like the rest of us when the power goes out. I mean copper landlines. But Verizon ha...
by mouses
Tue Oct 10, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Does anybody read the Medicare and You booklet?
Replies: 16
Views: 889

Re: Does anybody read the Medicare and You booklet?

I think I read it the first year. Not since. The only change I recollect was in the laws around the ACA but maybe not part of it, they started closing the donut hole, and i learned that from news reports. I did see on the first page or front this year that we are getting new cards. My old card is to...
by mouses
Tue Oct 10, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 1964

Re: Moving Stroke Victim Out of State

I would never voluntarily get rid of a landline, because it is often the only electronic form of communication working in disasters. However, you can have the number ported to your cell phone or use call forwarding. In my area there is a very reputable person who can be hired to keep an eye on house...
by mouses
Tue Oct 10, 2017 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 5539

Re: Made a career mistake- advice/next steps

Don't believe anything from your previous employer. Several months is not enough time to find out if this is a bad fit. Work with your new employer to see what plans they have for you and show them they are getting value for you by correcting the dysfunction. Give it at least 6 months, and before y...
by mouses
Tue Oct 10, 2017 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 5539

Re: Made a career mistake- advice/next steps

I would certainly start looking for another job. It is not unusual in a career to make a mistake about a job, or I suppose in this case it is more accurate to say be deceived. I would be careful about the idea of approaching your old company.
by mouses
Mon Oct 09, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6277

Re: Asking for discounts

But, every now and then, the doctor will order a test which isn't covered. I've been to my doctor and have them tell me a test isn't covered by insurance, and how much it costs. Then, I can make up my mind to go thru with it or not. Unfortunately, you don't always get that advance notice, and you e...
by mouses
Mon Oct 09, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2285

cash and landlines in disasters

These topics have come up before, but just to emphasize: I've been following the California fire situation and one town I have friends in has no power and the local newspaper said as a result things can only be bought with cash - no credit cards, no debit cards. Also in the area one friend is in, on...
by mouses
Mon Oct 09, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1348

Re: what if I forget my security questions?

I have verbal security words for phoning in. Those I just remember. I have security questions at various places, but I can't remember ever being asked for them except by the USPS. If you lose that with USPS, you can never again get into the account and it will ruin things like package notifications,...
by mouses
Mon Oct 09, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3390

Re: Daughter's auto repair shop problems, what should we do now?

I would pay the $800 and never go back. If she can't get the car started now, I would call AAA and have it towed to her home while she decides what to do, a scrap place, or a trustworthy garage. I can tell you from experience that auto repair shops rip off young women. She needs to find a reputable ...
by mouses
Mon Oct 09, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2292

Re: What to do with unused paint?

This will make some people angry, but I make sure the lids are on properly then put it in thick contractor-style black trash bags and put it in the trash can for pickup. Where I live, the trash folks will take anything as long as they can't see what it is. Yes, it does make some people angry. Do yo...
by mouses
Sun Oct 08, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: So my mechanic said....
Replies: 31
Views: 5664

Re: So my mechanic said....

I have a 1992 Buick LeSabre; it's my daily driver. Without going out to the garage to look, I think it has like 160,000 miles on it. I have never done the weird stuff that was suggested to the OP.
by mouses
Sun Oct 08, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8563

Re: VG wants everyone to transfer to a brokerage account?

I had a Vanguard Roth account lying around with a zero balance for years. In July I started doing Roth to Roth transfers into it. I only hold Vanguard mutual funds in it.

How do I know if it's a brokerage account or not?
by mouses
Sun Oct 08, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2270

Re: Change for a $20 requires ID!!

I cashed someone's Bank of America check at a B of A branch years ago, and they required my fingerprints. My mental reflexes weren't fast enough to say F you, unfortunately.
by mouses
Sun Oct 08, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2249

Re: Spouse gets blowouts?

If it's affordable, forget it.

I probably spend that much on ebooks. Other people eat out a lot in restaurants, or go to a lot of movies, or attend sporting events.

Do you spend that much on something non-essential that interests you?

(I thought you were going to ask about tire trouble...)
by mouses
Sun Oct 08, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 3958

Re: Too much house? (nervous 1st time buyer)

Why to buy: There is no landlord hassling you about your dog. Plus maybe your dog gets out and gets lost because the landlord inspects the house when you aren't home and leaves a door open while he is doing that. There is no landlord walking through the house inspecting it without the advance notice...
by mouses
Sat Oct 07, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2173

Re: Medigap Policies--So Much Conflicting Information

You should know that some of the very high quality Medical Centers where you might want to go should you have a serious illness like cancer do not accept Medicare assignment. Mass General, Brigham & Women's, and Mass Eye and Ear all accept Medicare. I would be very surprised if there were any signi...
by mouses
Sat Oct 07, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7400

Re: Do you want your receipt?

I always demand a receipt and check them against the monthly statement. How else can you check for fraud accurately? Exactly! I'm shocked anyone would say no. I guess they just pay whatever the cc statement says or the minimum. No. I know the places I normally shop. Perhaps people who spend a lot c...
by mouses
Sat Oct 07, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7400

Re: Do you want your receipt?

I like the fact that receipts are not printed now at some places unless the customer asks for them. I think of this as saving a tiny twig each time. Places that locally do that in my area are 7/11 at the gas pumps, the local supermarket chain, and Trader Joe's. Instead of a printed receipt, the supe...
by mouses
Sat Oct 07, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5700

Re: Roof shingles do not match - Neighbor sent notice

OP, it sounds like you actually fixed something that she might have been obligated to partly pay for. However, what I would do now is what has been suggested higher up in the thread, see if the shingles can be painted. I would also explain to the neighbor why they are a different color and how you a...
by mouses
Sat Oct 07, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 15
Views: 1843

Re: Bed Pillows

Misenplace wrote:
Mon Oct 02, 2017 1:14 pm
The coop pillow contains shredded memory foam. (I wonder where is is sourced and why it is shredded?)
Maybe the foam used is a byproduct of some other process.
by mouses
Sat Oct 07, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1235

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

It happens to me a couple of times a year. It's just their fraud detection algorithm that flags anything unusual. It's more likely to happen with online purchases. While annoying it's actually a good thing. be aware that even if you confirm it, you will likely have to reinitiate the transaction. My...
by mouses
Sat Oct 07, 2017 2:59 am
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 71
Views: 5424

Re: Pension Freeze - What did you do?

The other cut that really hurts is that severance was just slashed from max of one year's salary to a max of 20 weeks. I've survived multiple rounds of layoffs, but assume my turn will come, and I was counting on that year's pay to be my transition to retirement. Just when you think the company can...
by mouses
Sat Oct 07, 2017 2:44 am
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 9997

Re: Third time in my 32 year career I have been laid off

4. Should I file for unemployment today? Should I wait for Monday's meeting? Did you get a severance? Depending on how it is structured, and if you signed an agreement, you may or may not be able to get unemployment while on severance. I'd make sure to understand its terms, and understand its impac...
by mouses
Sat Oct 07, 2017 1:45 am
Forum: Personal Finance (Not Investing)
Topic: time to transfer money to Vanguard, grumble, grumble
Replies: 28
Views: 3692

Re: time to transfer money to Vanguard, grumble, grumble

Unfortunately the Schwab office is 45 minutes away in a city with parking problems. Call that office - it's likely they validate parking or will cover your parking fee. They did that for me. Thanks, but I'm not worried about the parking fee. I'm worried about hobbling blocks with a cane. Call Schwa...
by mouses
Fri Oct 06, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: time to transfer money to Vanguard, grumble, grumble
Replies: 28
Views: 3692

Re: time to transfer money to Vanguard, grumble, grumble

I got a check from Small Credit Union and hand carried it to Schwab. Wow, do they have a lot of security in their building. Since 9/11, they said.