Search found 742 matches

by mrc
Mon May 22, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 50
Views: 3430

Re: Risks of electronic access

If this concerns you and you have substantial assets, you can buy a chromebook ($300) or a macbook ($1000) and use it exclusively for accessing your accounts. Save all the websites as your bookmarks and only access them via bookmarks. (So you don't mistype and go to a different site.) I suggested c...
by mrc
Mon May 22, 2017 3:47 am
Forum: Personal Consumer Issues
Topic: blackout curtains
Replies: 15
Views: 1651

Re: blackout curtains

I use a sleep mask. Can't stand any light and the mask works even when spouse stays up reading. Which sleep mask do you recommend? Now, I am using the black paper temporary shades but then tend to stay on the whole Summer night/day time. And this makes me miss the wonderful water-views that I have ...
by mrc
Sun May 21, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: blackout curtains
Replies: 15
Views: 1651

Re: blackout curtains

I use a sleep mask. Can't stand any light and the mask works even when spouse stays up reading.
by mrc
Sun May 21, 2017 3:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Average age of a Boglehead
Replies: 18
Views: 1119

Re: Average age of a Boglehead

0) <20 When fire trucks pass by
1) 20-29
2) 30-39
3) 40-49
4) 50 -59 Median
5) 60-69
6) 70-79 After a weekend of yard work
7) 80-89
8) 90+
by mrc
Sun May 21, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Question
Replies: 21
Views: 1258

Re: Auto Insurance Question

Other than making more money for the insurance company, is there any statistical or actuarial or scientific basis justifying using a credit report for setting premiums? Anecdotally, I know a lot of folks with great credit who are terrible drivers and those with less than perfect credit who are good...
by mrc
Sun May 21, 2017 6:16 am
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 20
Views: 2794

Re: NJ Lemon Law 2017 Honda CRV

You are not alone:

http://www.crvownersclub.com/forums/14- ... -days.html

Doesn't seem to be confined to 2017 models:

https://forums.edmunds.com/discussion/1 ... ery-issues

Class action?
by mrc
Sun May 21, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3168

Re: Bad experience with 'rescuing' a lost dog

Police from 2 hours away do not have jurisdiction over you, right? I think maybe you grew up watching too much Dukes of Hazzard :) Your entire argument is "if you commit a crime in Place A but then run away to Place B, the police can't do anything about it". That's (obviously) not how the...
by mrc
Sat May 20, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 3168

Re: Bad experience with 'rescuing' a lost dog

Police from 2 hours away do not have jurisdiction over you, right? Invite them to come "arrest" you and when they arrive, surrender the dog to them to return to the owner. :-) Seriously, you all tried to do the right thing. Us responsible pet owners are forever grateful. I feel for the dog...
by mrc
Sat May 20, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: IRS asking me to pay the tax on full Traditional to Roth Conversion : 1099-R
Replies: 20
Views: 1661

Re: IRS asking me to pay the tax on full Traditional to Roth Conversion : 1099-R

I don't think you need an amendment. I think filing the appropriate Form 8606 will do and they will just bill you the tax for the extra $84. Or, maybe you'll need to amend since you probably need to pay the tax on $84. Apparently you did not know how to tell TT that you had done the back door. Here...
by mrc
Fri May 19, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 25
Views: 3067

Re: Opticians: is there any difference in quality of Costco glasses?

I had to get progressives for the first time last year. With the same prescription, I got a pair shipped from Zenni (maybe $70 all in) and a pair from Costco (maybe $185 including lens and frame). I really can't even wear the pair from Zenni, I don't think they even qualify as a backup pair. The Co...
by mrc
Fri May 19, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones vs Vanguard self managed
Replies: 29
Views: 1910

Re: Edward Jones vs Vanguard self managed

He also told me about the "new fiduciary rules" that take effect on June 9th will cause me to not to be able to move around my fund balances within Vanguard if I were to do all the work with Vanguard myself. Really? That is without conscience. And wrong. He's relying on your ignorance. Mo...
by mrc
Fri May 19, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 25
Views: 3067

Re: Opticians: is there any difference in quality of Costco glasses?

The primary reason eyeglasses cost so much in the U.S. is because one company dominates the entire industry. https://en.wikipedia.org/wiki/Luxottica Yep. Posts like this are why I wish there were a like button. :-) After I got a pair of progressives at Lens Crafters for $500 AFTER insurance, and I ...
by mrc
Fri May 19, 2017 5:17 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 44
Views: 1603

Re: Refinishing roughed in stairs - removing carpet

I talked it over with my wife and we think this is the best option for us because we already have this flooring on our main level and I also won't need to cut off the 2x bullnose, this would wrap right over it. More money then we wanted to spend but in the grand scheme have to go with the best opti...
by mrc
Thu May 18, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: What is a HELCO??? [HELOC - Home Equity Line of Credit]
Replies: 7
Views: 919

Re: WHAT is a HELCO???

The place I worked a while back.
by mrc
Thu May 18, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 44
Views: 1603

Re: Refinishing roughed in stairs - removing carpet

This is very helpful, thank you. Where did you screw them down? I'm not sure what on the tread ends means. I don't see any screws in your picture though. And just curious why do you call it rough 2x stairs? What does 2x mean? I ran a screw in about 1-1/4" back from the front bull nose edge, an...
by mrc
Thu May 18, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 44
Views: 1603

Re: Refinishing roughed in stairs - removing carpet

The treads were around 3/8" thick, and absent the carpet and pad ended up about the same height. The top step (to the landing) remained well within the code allowed difference among steps. I was going to point out that residential code is no more than 3/8" difference between the rises. OS...
by mrc
Thu May 18, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 44
Views: 1603

Re: Refinishing roughed in stairs - removing carpet

Really nice!! So you removed the existing rough tread or did you put the new tread on top of the old one? I'm not sure what you mean by cut the bullnose off. I left the rough 2x stairs in place, just like yours look in the picture now. But the tread did project past the riser a little. Like yours d...
by mrc
Thu May 18, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 44
Views: 1603

Re: Refinishing roughed in stairs - removing carpet

That looks a lot like my results. Here's an in progress image. The risers are primed, the treads are finished. I'm test fitting the parts. The railing is gone -- to be replaced later. You can just see a raw step at the top. I recall now I used a Sawsall to remove the 2X bull nose that was under the ...
by mrc
Thu May 18, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 44
Views: 1603

Re: Refinishing roughed in stairs - removing carpet

I did the exact same thing on my foyer stairs. The bottom side of mine are a finished ceiling (for access to the basement). And the finished (painted) were in very good shape. Ripping out the whole thing was too much. So, after removing the carpet, I installed new poplar risers and Brazilian cherry ...
by mrc
Tue May 16, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 3944

Re: Best argument you've heard against passive/for active?

Strongest argument against passive, for active? One of them is T. Rowe Price's Approach to Active Management page Key Points: * 16 of our 18 diversified active U.S. equity mutual funds had positive hit rates over rolling five-year periods. * A notable 89% of funds generated positive excess returns o...
by mrc
Tue May 16, 2017 4:30 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 100
Views: 11605

Re: Roll Call for the Retirement Class of 2017!

I'm in, graduation day is February 8th. Great to have so many classmates! . . . Bogleheads have been essential for me. Yes, Bogleheads have been essential for many of us 8-) Did any Bogleheads help you plant your 440 trees? :mrgreen: We planted the trees years ago. But we were junior Bogleheads eve...
by mrc
Tue May 16, 2017 4:24 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 4507

Re: Doctor wants Social Security number

I refuse to provide an SSN for myself or my mom. Unless working with SSA or Medicare directly. Doctor's offices that take Medicare use my mom's Medicare #, which is different from her SSN. In the office: Leave it blank. If there is any push back, ask the front desk why they need it. Most of the time...
by mrc
Mon May 15, 2017 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Setting a periodic transfer / Dealing with a fiscal beggar
Replies: 26
Views: 2476

Re: Setting a periodic transfer / Dealing with a fiscal beggar

If they refuse to open an account, then I refuse to help. Sorry, but conceding to the demands of someone who is begging makes no sense to me. Worse, someone who is dodging unpaid taxes. The situation sucks, but family situations often suck. Note Bluebird looked attractive, but so many places don't ...
by mrc
Mon May 15, 2017 4:44 am
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6400

Re: The recent WannaCry ransomware

NPR reporting that the many unlicensed (pirated) copies of Windows in circulation, many in China, cannot be patched. Interesting question for Microsoft corporate: Could substandard security (where pirated software isn't patchable) be purposeful?
by mrc
Sun May 14, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 27
Views: 2243

Re: Replace floor BEFORE or AFTER New Cabinets?

I would lay flooring wall-to-wall if I could. I would only consider AFTER if the cabs didn't need replacing and wouldn't be removed. I would remove the old tile while the base cabs were out. You may decide to replace sub floor if the tiles don't come up nicely, or add a layer if the sub is too thin.
by mrc
Thu May 11, 2017 4:29 am
Forum: Personal Finance (Not Investing)
Topic: Bank account with advanced features
Replies: 9
Views: 1064

Re: Bank account with advanced features

For a long time, wife has DD paycheck into her savings account, and auto transferred a smaller amount (approx ordinary expenses) to her checking account. As a result, checking doesn't tend to go above X. Once a quarter, or semi-annually if things are going well, we'll manually transfer excess as a c...
by mrc
Tue May 09, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 4208

Re: What newspaper or magazine do you pay for?

New York Times (M-F print + digital), Washington Post (digital), Los Angeles Times (Su + digital), The New Yorker, The Atlantic, London Review of Books, Los Angeles Review of Books, Talking Points Memo plus contributions to my local PBS and (two) NPR stations. Altogether, the cost is about $700 per...
by mrc
Sun May 07, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Buying plants online
Replies: 16
Views: 1387

Re: Buying plants online

badbreath wrote:One caution do not use White Flower Farm. If you order something from them and they do not have it they will substitute with something that is in that family of plants.


Not if you ask them not to substitute.
by mrc
Sun May 07, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Buying plants online
Replies: 16
Views: 1387

Re: Buying plants online

Over the years we have used mail order for some very specific plants including roses, yucca, rhododendrons, and trees (both conifers and hardwoods). For all but the trees, we were looking for a particular variety and the local nurseries didn't stock them. For the trees, we planted about 440 individu...
by mrc
Sat May 06, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 3528

Re: Vexing electrical problem in the house

This is probably not worth paying for an Angie's List subscription, but there are other online review places that are free to look at. Angie's List is free to join now. A good place to start a search IMHO. In my neck of the woods there are specials on Angie's List for a new Cutler Hammer 42 circuit...
by mrc
Fri May 05, 2017 10:23 am
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Expense Ratio Reductions
Replies: 2
Views: 421

Re: Updated Vanguard Expense Ratio Reductions

And for institutional shares, if you have access, the ERs are even lower. For example VITSX is 0.035%, lower than the TSP's 0.038%.
by mrc
Wed May 03, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Genworth Long Term Care
Replies: 11
Views: 1014

Re: Genworth Long Term Care

IowaFarmBoy nails it for us too. My spouse and I bought policies with Genworth in 2003 (ages 43/52). Coverage is very good from what I understand — much better than can be found now. In Maryland, LTC premium increases are capped at 15%. Our premiums didn't change for 12 years. Then, in 2015, 2016, a...
by mrc
Tue May 02, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 3858

Re: Buying first home with old hvac

The unit might last another 10 years. A newer unit will likely be more energy efficient. If replacing right away puts you over the edge financially, are you buying too much house? We bought in a seller's market and would have never even mentioned it (so long as it was currently in working condition).
by mrc
Tue May 02, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 3072

Re: Great knife for slicing limes and raw potatoes

There are only two knives you really need - a 10" Chefs Knife or Santoku (user preference), and a 3" paring knife; 99% all kitchen tasks (including the two mentioned by the OP) can be accomplished efficiently between the two them. The difference between a $40 Chefs Knife and a $200 one is...
by mrc
Mon May 01, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 51
Views: 6906

Re: Senior Lifetime National Parks Pass Fee Going Up

saladdin wrote:
Incendiary wrote:Why get one per spouse if they always go together? Asking for my parents...

People have a tendency to die.


Statistically, the female buys the single pass then :-). We did that. But only 'cause I'm not old enough yet.
by mrc
Sun Apr 30, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 21
Views: 1325

Re: Federal Retiree Health Care with/Medicare

In addition BCBS does not reduce its premium when you take Medicare. We would end up paying slightly more than what we were paying for BCBS for coverage that only saved me from paying the deductible. I decided to pass on part B Yes, that is a frequent decision of such retirees, although I have spok...
by mrc
Sun Apr 30, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Getting cash back (at register, not reward) on credit card at grocery store
Replies: 10
Views: 1078

Re: Getting cash back (at register, not reward) on credit card at grocery store

Local Wegman's cashier asked me if I wanted cash back. Never done that before, so I said sure. Cashier hit a few buttons, then said, "Is that a credit or debit card?" I said "Credit." Cashier: "Oh, you can't do that." I'm surprised anyone can get cash back on a CC, let ...
by mrc
Sun Apr 30, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 21
Views: 1325

Re: Federal Retiree Health Care with/Medicare

DW is a fed, still working, and medicare eligible. I am a dependent on her FEHB plan now (I stopped working earlier this year and am well under medicare eligibility age). DW elected part A only for now (because she is still working, she can postpone B). However, we'll continue on FEHB and neither of...
by mrc
Fri Apr 28, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: A Morbid Subject
Replies: 20
Views: 2572

Re: A Morbid Subject

Different views from different folks. Some failing elderly view being able to do less as a huge burden, while others seem happy that they can do anything. There is a 98 (or perhaps 99 now) old woman we know who still drives, is active in her church and goes to "Senior" exercise class thre...
by mrc
Fri Apr 28, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: A Morbid Subject
Replies: 20
Views: 2572

Re: A Morbid Subject

I have witnessed several slow death processes, among relatives and friends. I have seen both sides: Those of sound mind and failing bodies, and those of sound body with failing minds. These were chronic conditions, not acute ones. Early on, those with failing bodies were by far more miserable and aw...
by mrc
Thu Apr 27, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Credit monitoring: Credit Karma vs. ProtectMyID vs. ?
Replies: 5
Views: 329

Re: Credit monitoring: Credit Karma vs. ProtectMyID vs. ?

I found it easier to sleep by freezing all three credit reports. Monitoring only sound an alarm after the horse is out of the barn.
by mrc
Wed Apr 26, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 6936

Re: My Doctor says I am "unusual" (declining some blood tests)

I've asked my Dentist to only do x-rays once per year as opposed to the twice a year he wishes to do. He usually just tells me that he won't charge for it. If for no other reason, why wouldn't it make sense to minimize exposure to radiation from X-ray machines? I am a little less worried about this...
by mrc
Tue Apr 25, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good long term care policy?
Replies: 11
Views: 696

Re: Is this a good long term care policy?

I would keep it too. We bought in 2003 (ages 44/52): Unlimited benefits, 100 day elimination period, 5% compounded, premium wavier, couples discount ... $2200 and $2300 a year for each of us (mine is a tad higher). 2020 benefits will be $10,464/month. 2040 annual will rise to $333K. Carrier is Genwo...
by mrc
Tue Apr 25, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 223
Views: 10884

Re: Will cars be autonomous in three years?

Will most cars become autonomous drivers over the next three years? No way. Not even close. 30 years? Maybe. Not in three years, but I don't think it will take 30 either. 30 years ago: * Disposable Contact Lenses became available for commercial distribution * Clive Sinclair launches the Z88 Portabl...
by mrc
Sun Apr 23, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Encyclopedia, World Book, Complete Set, 1960 Ed.
Replies: 43
Views: 3916

Re: Encyclopedia, World Book, Complete Set, 1960 Ed.

... Years later I bought the Britannica on CD-ROM for about $49. Then a few years later version skew took its toll and its clunky Java-based app quit working... but by then I was not only using, but making occasional edits in, Wikipedia. A close call indeed. That sums up the evolution of the printe...
by mrc
Sat Apr 22, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 6936

Re: My Doctor says I am "unusual" (declining some blood tests)

As a physician, I find the doctor's comment that you are "unusual" to be totally inappropriate. Kudos for you for being on top of it. Mark But it is unusual for a patient to stay on top of things like this. The doctor's observation that dm200 is unusual is quite correct and appropriate! I...
by mrc
Fri Apr 21, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 96
Views: 10938

Re: Single most important investing advice?

For my young nieces: bogleheads.org
by mrc
Fri Apr 21, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2648

Re: Building your own fence

I would and have done several fences DIY. It's not rocket science, but it can be hard work digging the post holes. And you'll need some tools.

If you DIY, be sure to call 811 prior to mark any underground utilities. And if you contract out, be sure the contractor does.
by mrc
Thu Apr 20, 2017 4:45 am
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 54
Views: 6085

Re: Are people aware that Verizon email is being terminated?

I'm planning to use pop rather than imap. Step 4 of the instructions on AOL at https://help.aol.com/articles/verizon-move-to-aol-mail-updating-your-third-party-email-program-or-mobile-device-with-your-new-account-information-pop3 imply that you should continue to use pop.verizon.net for the incomin...
by mrc
Wed Apr 19, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 55
Views: 5179

Re: Bill received after Estate is closed

Was the bill itemized? If so, perhaps the $2K is legit. Pay it. But if it's just a bottom line $2K bill, remind them the estate is closed, ask for an itemization (so you can split 3-ways), and ask for a discount for the delay.

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