Search found 1001 matches

by mrc
Tue Nov 21, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Uber hacked - identities of 57 million exposed
Replies: 0
Views: 237

Uber hacked - identities of 57 million exposed

If you have used or driven for Uber, you should read about the cyber hack.
by mrc
Mon Nov 20, 2017 5:46 am
Forum: Personal Finance (Not Investing)
Topic: HELOC to Maximize Retirement Contribution
Replies: 13
Views: 987

Re: HELOC to Maximize Retirement Contribution

Jane Bryant Quinn (and others) recommend funding your retirement before paying for child's college. I would not borrow against a house to pay for either. Kids can secure loans for school, but you can't really borrow for your retirement.
by mrc
Fri Nov 17, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 68
Views: 4196

Re: My dad's army jacket

I think wearing the jacket is a nice tribute to your dad's service if: it fits you and looks nice you know what the patches mean and can explain his service to others, especially veterans it's clear you are not suggesting his service and honors are your own you leave the pins in a safe place So, I s...
by mrc
Thu Nov 16, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12214

Re: Request for Promotion letter to Senior Management

Palatineman wrote:
Thu Nov 16, 2017 5:51 pm
<snip>
Maybe you could send your resume in and we can see if there is an open position for the skills and experience you have acquired over the years.
I've changed my mind about the letter from the OP. I think Palatineman should go ahead and send it, as is.
by mrc
Tue Nov 14, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 2053

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

For the type of cooking you are doing a "properly sized" externally vented hood would do a much better job of ventilating your kitchen. People in the trades have told me a microwave with a vent is marginal at best, regardless of how it is vented. We have a GE SpaceSaver with a built in vent. It's n...
by mrc
Tue Nov 14, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 55
Views: 6057

Re: How does a mere mortal navigate healthcare/insurance issues

What is the point of charging $2800 in the first place, if they will accept $180 in most cases? Do any other businesses/professions operate this way? This is the insurance game. Insurance bases many of their fees as a percentage of what is charged out. If the anesthesia group charges $180, insuranc...
by mrc
Mon Nov 13, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Buying a new smartphone as a surprise gift
Replies: 8
Views: 760

Re: Buying a new smartphone as a surprise gift

Are you sure she wants a smartphone? I know people that do not like them.
by mrc
Sun Nov 12, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 40
Views: 2772

Re: 2018 FEHB HDHP Recommendations

Many feds like checkbook.org (preorders for 2018 available now) for just this research. OPM and carrier plans are out there, but this site puts everything together. You can subscribe to a hard copy, online access (search/select), or both. Good to do the first time.
by mrc
Sun Nov 12, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Investing HOA reserve money?
Replies: 24
Views: 1080

Re: Investing HOA reserve money?

Unless this is for long term, it's not investing, it's savings you want. Ally online savings 1.3% is way better than passbook savings. And liquid in a day or two.

ETA: Just a thought. If you have so much, or will have it lying around for so long, maybe consider the HOA dues are too high?
by mrc
Sat Nov 11, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4005

Re: Septic tank - deal killer?

My understanding is that the pumping process removes material at the bottom that cannot/will not degrade. If it's not done there's a risk of solids getting into the drain field and causing serious problems. Problems you do NOT want to have. ... That is my understanding as well. If you let solids ac...
by mrc
Sat Nov 11, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6756

Re: Swedish Death Cleaning

I also don't take many photos when I travel. I find it more intriguing to experience the feel of the city and not spend time clicking around with a camera, accumulating more digital photos to figure out where to store. ... Me too! I see so many people with their smartphones in front of their faces ...
by mrc
Sat Nov 11, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6756

Re: Swedish Death Cleaning

I've deconstructed several households using a 6 pile system ... 1) Items to keep because they are used regularly 2) Items to store (with label & date; revisit every 5 years) because of irregular use or not ready to part with yet 3) Sell if item has value and it's worth the hassle 4) Donate if item h...
by mrc
Fri Nov 10, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9441

Re: Federal Retiree Health Care with/Medicare

Do you know when the next checkbook will be available? Your quotes are causing me to think of some questions I had not thought of. It's all such a crap shoot, but I would NEVER grumble...considering what others are facing these days. I fully agree with your sentiment. I am very thankful for my heal...
by mrc
Fri Nov 10, 2017 4:38 am
Forum: Investing - Theory, News & General
Topic: NY investigation of TIAA
Replies: 2
Views: 652

Re: NY investigation of TIAA

A horrifying read: Current and former employees who spoke with The Times said TIAA assigned its sales representatives outsize goals that were difficult to meet. Two of these people said TIAA had a saying about creating fear among clients to generate sales: “If they cry, they buy.” ... Another former...
by mrc
Tue Nov 07, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4322

Re: I Cut the Cord yesterday!

I was thinking more along the lines of contractors who could analyze your needs/desires and tell you to use some combination of inside or outside antennae, Hulu, Netflex, Sling, YouTube etc etc and then help in setting that up. I am probably the only one that finds this all confusing. May be about ...
by mrc
Tue Nov 07, 2017 4:41 am
Forum: Investing - Theory, News & General
Topic: "$1 Million is Closer Than You Think"
Replies: 54
Views: 9339

Re: "$1 Million is Closer Than You Think"

Jan 2007: $1,100,000 5 years => 95%+ What??? July 2008: $650,000 Oh. I like the pages for folks that don't think much about retirement planning. I know people that don't read BH books, don't lurk on this site, and think "investing" is hard. So they put it off. This could help some of them to at leas...
by mrc
Mon Nov 06, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3960

Re: Did I earn an extra hour of interest last night?

Any chance that we will eventually stop this silliness and stay with DST for year around? When told the reason for daylight saving time the old Indian said … ‘Only a white man would believe that you could cut a foot off the top of a blanket and sew it to the bottom of a blanket and have a longer bl...
by mrc
Sun Nov 05, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3960

Re: Did I earn an extra hour of interest last night?

... I spent my "extra" time doing laundry and reformulating a fish tank stand build since the first attempt resulted in split 2x4s. Now debating renting a framing nail gun to do the rebuild attempt after reading a few forums. Screws are superior to nails. Low quality lumber that splits when you dri...
by mrc
Sun Nov 05, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3960

Re: Did I earn an extra hour of interest last night?

The hospital had computer network downtime last night spanning the end of daylight savings. The worst part about the end of daylight savings is working an overnight shift during that time (no extra pay). I actually wonder if the hourly employees get paid an extra hour for working the end of dayligh...
by mrc
Sun Nov 05, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3960

Re: Did I earn an extra hour of interest last night?

The hospital had computer network downtime last night spanning the end of daylight savings. The worst part about the end of daylight savings is working an overnight shift during that time (no extra pay). I actually wonder if the hourly employees get paid an extra hour for working the end of dayligh...
by mrc
Sun Nov 05, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: How to Label Plastic Boxes
Replies: 15
Views: 938

Re: How to Label Plastic Boxes

I'm amazed. I have plastic storage boxes in the garage (which see direct sun at times), labeled with a Sharpie on junk mail paper, taped with PVC tape. They look like they did when new ~19 years ago. The paper has yellowed some, but nothing is falling off or fading.
by mrc
Sun Nov 05, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3960

Re: Did I earn an extra hour of interest last night?

Dealing with daylight time (or summer time in Europe) is an alternate form of the Y2K problem. A matter of convenience over precision. Early this morning, the time was: 1:59:58 EDT UTC+6 epoch=~1497160798 1:59:59 EDT UTC+6 epoch+1 1:00:00 EST UTC+5 epoch+2 1:00:01 EST UTC+5 epoch+3 These two times a...
by mrc
Sun Nov 05, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Did I earn an extra hour of interest last night?
Replies: 56
Views: 3960

Re: Did I earn an extra hour of interest last night?

Most well designed computer programs will store date/time events as UTC in the back end then convert to the user's time zone when displaying them. Not sure if there's any standard pattern used for pen/paper logs. I know of at least one financial institution that shuts down their mainframe for about...
by mrc
Fri Nov 03, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: What so scary about TSP loans?
Replies: 23
Views: 1775

Re: What so scary about TSP loans?

If you leave government service, don't you have to pay back the loan then? Buying the house becomes a current employer lock in.

Loss of earnings, and the earnings on the earnings (compounding loss).

Otherwise, it works out OK for some.
by mrc
Thu Nov 02, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6136

Re: Spam calls to cell phone...

This has been happening on my land line for a couple months, where the area code and exchange matches, with a random last 4. For example, say I live in Iowa and my number is 712.322.1234. The call will come in 712.322.xxxx. Last week the same thing began happening on my cell. According to the call ...
by mrc
Thu Nov 02, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6136

Re: Spam calls to cell phone...

jasc15 wrote:
Thu Nov 02, 2017 10:39 am

My wife recently got a call from her exact number.
I suppose that's next. :annoyed

I already screen all calls, but I am surprised, despite being on nomorobo and donotcall.gov, how many I receive.
by mrc
Thu Nov 02, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6136

Re: Spam calls to cell phone...

This has been happening on my land line for a couple months, where the area code and exchange matches, with a random last 4. For example, say I live in Iowa and my number is 712.322.1234. The call will come in 712.322.xxxx. Last week the same thing began happening on my cell. According to the call ...
by mrc
Thu Nov 02, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6136

Re: Spam calls to cell phone...

This has been happening on my land line for a couple months, where the area code and exchange matches, with a random last 4. For example, say I live in Iowa and my number is 712.322.1234. The call will come in 712.322.xxxx. Last week the same thing began happening on my cell. According to the call r...
by mrc
Wed Nov 01, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Robot vacuum for pet hair and hardwood floor
Replies: 21
Views: 1287

Re: Robot vacuum for pet hair and hardwood floor

Just picked up the Roomba 665 about a week ago,set it to run daily, Superb performance in all features,cleaning,power,etc,,,would purchase again in a heartbeat Great Price Point. :happy https://www.samsclub.com/sams/roomba-665-vacuuming-robot/prod20190841.ip Looking forward to a 1 year review! Part...
by mrc
Tue Oct 31, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 84
Views: 5471

Re: New Car: Ever make sense to lease?

There are some rare scenarios where it makes sense, but usually only if you plan to buy a new car every 3-4 years anyway, which is not an economical or very Boglehead-ish way to do things. Most of the time, you pay more in the long run by leasing, as you have no equity are on a path to never ever p...
by mrc
Tue Oct 31, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9441

Re: Federal Retiree Health Care with/Medicare

re: "I'm under the impression that once Medicare becomes the primary provider, that in network and out of network does not matter. " That's a key point. My FEHB (Blue Cross/Blue Shield) is my secondary coverage, and has paid the full balance after medicare since I've only used "in network" provider...
by mrc
Tue Oct 31, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Robot vacuum for pet hair and hardwood floor
Replies: 21
Views: 1287

Re: Robot vacuum for pet hair and hardwood floor

I have a Roomba (don't remember the model but it's not Wi-Fi capable). While I don't have a pet, I do have a spouse who sheds mass amounts of hair. On hardwood floors, hair has less tendency to get stuck in the rollers (carpet it does more often). However the roller is very easy to clean. I just re...
by mrc
Tue Oct 31, 2017 9:14 am
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 200
Views: 163743

Re: Please Try Out Test Posts Here

Getting a list working ...
  1. Go to the shops
  2. Buy a new computer
  3. Swear at computer when it crashes
  1. Go to the shops
  2. Buy a new computer
  3. Swear at computer when it crashes
  1. Go to the shops
  2. Buy a new computer
  3. Swear at computer when it crashes
Finally!
by mrc
Tue Oct 31, 2017 3:32 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9441

Re: Federal Retiree Health Care with/Medicare

re: "I would love to hear from folks that have lived with Medicare + FEHB for a while to learn about what changes." I'm in my early 70s, I've been retired and on Medicare Part A and B for 7 years, and have continued my BCBS FEHB coverage. My wife is on Medicare A & B and my FEHB "member + 1" plan. ...
by mrc
Mon Oct 30, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12214

Re: Request for Promotion letter to Senior Management

I would not send that letter as drafted ... It's too difficult to determine what you want (which isn't said until half way through). It should be more tightly worded and organized. Phrases like "With that being said" and "I have had the opportunity to lead" and "I believe I have proven myself to hav...
by mrc
Sun Oct 29, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Start TSP disbursements and delay social security -- or the other way around?
Replies: 50
Views: 3832

Re: Start TSP disbursements and delay social security -- or the other way around?

The CBO budget infographic (for 2016) makes a distinction between Mandatory and Discretionary spending, with a sliver of interest payments. I found the pie chart enlightening. Mandatory spending consists primarily of benefit programs for which laws set eligibility rules and benefit formulas, and inc...
by mrc
Sun Oct 29, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 5138

Re: What is going on with the home insurance rates?

That is a terrible idea. It maybe for some but not so for others. I didn't invest in bitcoin when it was in low 100s but today it's in high 6000s. Thought it wasn't worth the risk and is same with home insurance. In-fact, in my opinion, more than 80% of home owners don't make any claims just like A...
by mrc
Sat Oct 28, 2017 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Paying for babie's future college
Replies: 23
Views: 1973

Re: Paying for babie's future college

Lots of good intro information on 529 plans in general, and T Rowe's MD 529 plan in particular at T. Rowe's College Savings Plans site.

I wish Babie well!
by mrc
Sat Oct 28, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 5138

Re: What is going on with the home insurance rates?

I live in an area with no hurricane, no wildfire, no flood, (no close-by tornado or earthquake yet), in a middle sized city of U.S. So why do you have home insurance? Don't just blindly follow the herd. Can you go without insurance and instead invest and grow that money? For you to decide. That is ...
by mrc
Sat Oct 28, 2017 6:11 am
Forum: Personal Consumer Issues
Topic: Need a good cover crop recommendation for home garden
Replies: 20
Views: 1528

Re: Need a good cover crop recommendation for home garden

Celia is onto something. Any natural crop requires attention. Nothing growing will be weed-free maintenance-free and patiently wait for you to attend. Cover the area with thick black plastic and weigh down with block/boards neatly spaced out. It will look OK and be there when you have the time to re...
by mrc
Sat Oct 28, 2017 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 7648

Re: Can I retire today?

Looks like financially you are good to go. Congrats! One question: If you did not have to deal with your boss, would you want to keep working? I was planning to retire July 1, 2018, no matter what. This "last straw" simply moved that up a few months. DW has the "three bad days" mantra in her head n...
by mrc
Fri Oct 27, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Investing Inheritance Late in Cycle
Replies: 27
Views: 3031

Re: Investing Inheritance Late in Cycle

Larry Swedroe's recent article Better To Face Correction explains why staying out until the right time isn't a good idea. The entire article is worth a read. It then focused on a comparison over a three-year period, a length of time beyond which they felt an investor was unlikely to wait for the hop...
by mrc
Tue Oct 24, 2017 4:37 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9441

Re: Federal Retiree Health Care with/Medicare

From what I've read, it's this: "When you are age 65 or over and do not have Medicare - Under the FEHB law, we must limit our payments for inpatient hospital care and physician care to those payments you would be entitled to if you had Medicare. Your physician and hospital must follow Medicare rule...
by mrc
Mon Oct 23, 2017 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9441

Re: Federal Retiree Health Care with/Medicare

We have BCBS Basic, and there are many feds in our area. I'm still wondering what happens if we elect Part B: Must we choose providers that participate in Medicare? In other words, is there a difference in provider choices between having BCBS+Part B and having ONLY Medicare? That will likely be our ...
by mrc
Sun Oct 22, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 7103

Re: How does/can Walmart offer such inexpensive prescriptions?

I am tired of having elderly patients trying to decide if they should pay for heating oil or their meds. I began buying drugs for my financially challenged patients a few years ago. I take no profit and give the meds at cost, or free. You are a very good person. However, be careful. That is technic...
by mrc
Sun Oct 22, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 1300

Re: Shedding Trees

Your best bet might be to petition the HOA to declare those cottonwood trees a nuisance because they deprive you of your peaceable enjoyment of your property. If they are not healthy and robust, you can go for a hazard as well. You could ask for their removal, and settle for their maintenance (the c...
by mrc
Sun Oct 22, 2017 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9441

Re: Federal Retiree Health Care with/Medicare

Well, that's worth looking at. :happy Indeed it is. But I have a question about providers ... If we keep BCBS, and decline Part B, we continue to function as we do now. Same rules, same providers, payments, etc. But if we elect Part B, and Medicare becomes primary, are we then not subject to comple...
by mrc
Fri Oct 20, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 164
Views: 14915

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Nope. As they say often on this site: Once you learn enough to choose a good FA, you really don't need one. Applies to most folks.