Search found 838 matches

by mrc
Tue Jul 25, 2017 8:06 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 190
Views: 30608

Re: Improving the TSP [for current participants]

For others asking for the ability to do Roth conversions, do any 401ks actually allow this? I'm pretty sure my private 401k (at VG) did not. Obviously once you are no longer employed there you could separately withdraw so you could withdraw from traditional and convert to Roth IRA but I don't think...
by mrc
Fri Jul 21, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: AnnualCreditReport Equifax
Replies: 31
Views: 1690

Re: AnnualCreditReport Equifax

To use the annual credit report website, I have to unfreeze the reports. Too much trouble. No, you don't have to unfreeze in order to check your own credit report. I have done it several times since my credit was frozen. I'll have to try again then at some point. Shortly after I froze our reports, ...
by mrc
Fri Jul 21, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: AnnualCreditReport Equifax
Replies: 31
Views: 1690

Re: AnnualCreditReport Equifax

For a while I religiously checked one of the big three every 4 months. Started having trouble with Equifax. Then Experian. Both wouldn't show the online report and directed me to mail in a request, then wait to receive a report via snail mail. I always wondered whether I would even spot weirdness in...
by mrc
Wed Jul 19, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 68
Views: 9113

Re: Senior Lifetime National Parks Pass Fee Going Up

This post reminds me that SO applied for a Senior Lifetime NP Pass, but he can't remember if he has received it yet :oops: How long does it typically take for an application to get processsed and for one to receive the pass? I don't recall exactly but I think it is a couple of weeks. Thank you. Now...
by mrc
Tue Jul 18, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Dutch Elm Disease looming, maybe. Should I fight it?
Replies: 15
Views: 1493

Re: Dutch Elm Disease looming, maybe. Should I fight it?

First things first -- determine the species. This guide can help, leaves of elms and ashes are different enough. Of your trees, and the neighbors. Ash trees are dying out now.
by mrc
Sat Jul 15, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7376

Re: Switch to federal job?

Maybe someone can do the math, but I believe federal defined benefit pensions are based on the last three years income - so (it seems at least) there may be a bias/benefit of "retiring" from federal service with the higher pay for those last few years. It's based on "high 3" whi...
by mrc
Sat Jul 15, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7307

Re: how to destroy hard disk with personal info

"Alexa, destroy my hard drive." This is dangerous! Recall that when Jeff asked her to buy something from Costco Whole Foods , she has bought Costco Whole Foods . Victoria I wonder if that is how Amazon bought Whole Foods. "Alexa, buy Whole Foods". You are right, it was Whole Foo...
by mrc
Fri Jul 14, 2017 4:39 am
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6268

Re: Cheap eggs... how bad?

... ETA: the egg white is incomplete protein, and won't sustain life for bacteria that get through the egg's relatively permeable shell. The yolk, otoh, is perfect and complete protein. Lotsa calories and fat, granted, but complete protein and so very yummy :D Egg white contains all nine essential ...
by mrc
Thu Jul 13, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6268

Re: Cheap eggs... how bad?

Stores sell eggs, bananas, etc, real cheap as loss leaders.

It's possible they aren't the freshest I suppose, drop one in water. If it lies on its side at the bottom of the glass it's very fresh. If it floats it's older (not necessarily unsafe by any means).

The farm eggs we buy sink like rocks.
by mrc
Thu Jul 13, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Apple iMac problem?
Replies: 49
Views: 3003

Re: Apple iMac problem?

There are many articles about the spinning beach ball such as this one , which includes several troubleshooting idea. Boot in safe mode (to exclude extensions) (hold down the shift key while restarting). Run just one app and see if you experience the problem. I found a fitbit dongle was creating a p...
by mrc
Thu Jul 13, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 47
Views: 2163

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
Tue Jul 11, 2017 4:05 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7376

Re: Switch to federal job?

When you retire, you pay 100% of the FEHB cost. Oops, from the OPM website [with respect to non-Postal]: Q: Will my premiums increase once I retire? A: No, you will pay the same premium as you paid while you were an employee . ... Retirees receive the same government contribution as most Federal em...
by mrc
Mon Jul 10, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 4803

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

where do you live? my guess is breathing the air in some cities is much worse then eating a slice of lunchmeat. The air in rural agricultural areas is a significant risk factor as well, though. So much for fresh country air! In the 60s and 70s , I spent summers in rural Illinois town (pop ~700) sur...
by mrc
Sun Jul 09, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 4803

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Which of the following ingredients upsets you? "9-GRAIN WHEAT Whole wheat flour, enriched flour (wheat flour, niacin, iron, thiamine mononitrate, riboflavin, folic acid), yeast, sugar , wheat gluten, contains 2% or less of: calcium carbonate, soybean oil, salt, wheat, rye, yellow corn, oats, t...
by mrc
Sun Jul 09, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7376

Re: Switch to federal job?

Man, for a group that's so well-informed about investing, I'm constantly amazed at how mis-informed some commentators are when it comes to the largest single employer in the United States. Some of these posts are just silly ... ... I haven't had to look into the health benefits for retirees , but w...
by mrc
Sun Jul 09, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 4803

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Which of the following ingredients upsets you? "9-GRAIN WHEAT Whole wheat flour, enriched flour (wheat flour, niacin, iron, thiamine mononitrate, riboflavin, folic acid), yeast, sugar , wheat gluten, contains 2% or less of: calcium carbonate, soybean oil, salt, wheat, rye, yellow corn, oats, t...
by mrc
Sat Jul 08, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7376

Re: Switch to federal job?

... We'll elect part A (hospital, at no extra cost), but skip parts B & D which have stiffer premiums for higher AGI couples. ... Makes sense to me. That implies to me that you assume FEHB is as likely to remain as is, as much as Medicare B&D will. Correct? Yes. And if (when) there are (dra...
by mrc
Sat Jul 08, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7376

Re: Switch to federal job?

... Or, instead of Medicare (B/D) As in, decline to enroll in Medicare? That's risky, no? With FERS FEHB, no I don't think so. We'll elect part A (hospital, at no extra cost), but skip parts B & D which have stiffer premiums for higher AGI couples. We'll essentially keep the health insurance we...
by mrc
Sat Jul 08, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7376

Re: Switch to federal job?

Currently having excellent plans available to us, FEHB provides no extra benefit now. The added value is for her coverage between ages 62 and 65, and as supplemental insurance for both of us when on Medicare. Exactly: In retirement, most people cannot retain the insurance they had while working. Or...
by mrc
Sat Jul 08, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 1750

Re: Buying a house in FEMA flood zone X

A common misunderstanding exists that a 100-year flood is likely to occur only once in a 100-year period. In fact, there is approximately a 63.4% chance of one or more 100-year floods occurring in any 100-year period. Flood events greater than the 50-year flood occurred at intervals of 4 to 192 year...
by mrc
Sat Jul 08, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7376

Re: Switch to federal job?

I do not understand how this opportunity is viable based on the Trump-imposed federal hiring freeze. Make more money and give it a pass. The freeze was agency-specific, and purportedly lasted for 90 days . And has since been lifted . Moral: Things change a lot. I can retire with affordable healthca...
by mrc
Sat Jul 08, 2017 5:10 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7376

Re: Switch to federal job?

Read about FERS Benefits, and OPM eligibility, and decide. Salaries are notoriously lower than in the private sector, but the benefits are supposed to make up for some of that. Carrying health care throughout retirement, including a spouse, is a big plus.
by mrc
Fri Jul 07, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 156
Views: 9721

Re: Long term care insurance - is it worth it?

Read this horrifying story in the New York Times today: https://www.nytimes.com/2017/07/07/your-money/one-womans-slide-from-the-upper-middle-class-to-medicaid.html?mabReward=CTS2&recp=0&action=click&pgtype=Homepage&region=CColumn&module=Recommendation&src=rechp&WT.nav=Re...
by mrc
Fri Jul 07, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 3214

Re: What is this cable device?

Back before we got FiOS, Comcast installed one of these to deal with screen mosaic problems. I got the impression that depending on how many other subscribers there were in the neighborhood, signal strength varied on the coax. Too much or too little caused problems with either the modem, the TV, or ...
by mrc
Thu Jul 06, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 54
Views: 5464

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Uncle Pennybags wrote:How do you store the answers to the login questions on a password manager?



I use 1Password. There are user-defined fields for things like security questions. They don't self-fill, but I wouldn't do that anyway.
by mrc
Thu Jul 06, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4619

Re: Better hurry if you want a gas-engine Volvo

People are making this a much bigger deal than it is. Hybrids are already everywhere and already offered in their new models (the new T8 motor). The end user doesn't see any difference between the hybrid and a plain internal combustion engine other than a bit better fuel economy and better low-end ...
by mrc
Thu Jul 06, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 156
Views: 9721

Re: Long term care insurance - is it worth it?

There is a big misconception in the post quoted below and several others in this thread. LTC policies do not cover tail risk. They just don't. It is not part of their design anymore and hasn't been for a very long time. I agree. If your policy covers $300,000 in benefits, that's about 3 years ( at ...
by mrc
Thu Jul 06, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 156
Views: 9721

Re: Long term care insurance - is it worth it?

Each situation is different, I would compare LTC insurance to owning life insurance. If you want to leave assets to heirs it would be a practical option. For a single person with no concern for leaving an inheritance it makes no sense to own LTC. When we were younger, I always thought of my LTC ins...
by mrc
Wed Jul 05, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: John Deere series 100 lawn tractors
Replies: 28
Views: 2243

Re: John Deere series 100 lawn tractors

John Deere will not sell you a tractor - they only license them now. I would not do business with a company that doesn't believe I have the right to repair my own equipment. https://www.theguardian.com/environment/2017/mar/06/nebraska-farmers-right-to-repair-john-deere-apple Don't think what this a...
by mrc
Wed Jul 05, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: John Deere series 100 lawn tractors
Replies: 28
Views: 2243

Re: John Deere series 100 lawn tractors

Here's another alternative - these are walk-behind (no riding) and will also cut rough brush, high grass, saplings, etc. They also take optional attachments (except for the "entry level" model) such as wood chippers, snow blades, snow throwers and a 42" finish mower for regular lawns...
by mrc
Tue Jul 04, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: John Deere series 100 lawn tractors
Replies: 28
Views: 2243

Re: John Deere series 100 lawn tractors

I tend to separate power equipment into "big box store" versions and "dealer" versions. While the dealer versions are more expensive, they're easily serviced, have replacement parts available and simply last longer. This applies not only to tractors but chain saws, leaf blowers,...
by mrc
Mon Jul 03, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Best tool/technique for grill cleaning?
Replies: 24
Views: 2041

Re: Best tool/technique for grill cleaning?

I still use a wire brush, with twisted bristles (like a pipe cleaner, not a toothbrush). I think the risk driving home from the market with the steak is higher than swallowing a wire bristle.
by mrc
Sun Jul 02, 2017 12:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 7
Views: 1081

Re: Roll Call for the Retirement Class of 2018!

NCPE wrote:I will miss the people but not the work…..


Congratulations! Funny thing, I miss the work but not the people. Class of '17
by mrc
Sun Jul 02, 2017 6:07 am
Forum: Personal Consumer Issues
Topic: Advice on Desktop PC
Replies: 87
Views: 4116

Re: Advice on Desktop PC

I'm fairly sure that I need to stick with Windows because I connect to work from home and my employer's software isn't Mac-compatible. FWIW: I used to connect to a Windoze work environment via VPN. Just got a big window on my Mac that was my work desktop. Life in Mac land is a lot easier that fussi...
by mrc
Sat Jul 01, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card maximum and interest charge
Replies: 2
Views: 274

Re: Credit card maximum and interest charge

That is a game of chicken I wouldn't want to play. Discover says this, about one card, on one web page: Over-the-limit Fees An over-the-limit fee may be charged if you make a purchase that exceeds your credit limit . You must authorize your credit card to allow you to go over your limit or your issu...
by mrc
Fri Jun 30, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 58
Views: 5679

Re: Robocalls! -- current best call blocker?

I'm on the do not call list and have nomorobo. Lately I've had a rash of calls from my own area code and exchange. Seem to be a random last 4 digits so blocking by number is whack-a-mole. Caller ID is my state. The call triggers a 2-3 second empty voice mail. There must be a special place in hell fo...
by mrc
Thu Jun 29, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 5111

Re: Negotiating a House Using Seller's Agent (opinions wanted)

athan wrote:... but my wife really wants the house at this point.


That changes things, eh?
by mrc
Tue Jun 27, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: where to go to learn about investing?
Replies: 20
Views: 1547

Re: where to go to learn about investing?

And for household money matters (beyond investing per se), Jane Bryant Quinn's books are honest, thorough, and really helped us.
by mrc
Tue Jun 27, 2017 6:02 am
Forum: Personal Consumer Issues
Topic: Etiquette question regarding access easement usage
Replies: 28
Views: 3024

Re: Etiquette question regarding access easement usage

Put yourself in the other guy's position: He likes his privacy. He knows you have an easement. He's been waiting for you in a sense. Think about what you would like to see from a new neighbor that will begin using the easement. Then do that.
by mrc
Mon Jun 26, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Won an ATV in a raffle...now what?
Replies: 39
Views: 3310

Re: Won an ATV in a raffle...now what?

This may be obvious, but is there language about unclaimed prizes becoming the property of the school? Can you affirmatively not claim the prize?
by mrc
Mon Jun 26, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Santader bank refusing to pay
Replies: 8
Views: 901

Re: Santader bank refusing to pay

Like I mentioned, I'm extremely careful in clicking the right links, putting in the proper code, reading all the little terms and conditions, etc etc... I have done this many times with other banks also. I don't have any "proof" though. I guess I could've taken a screenshot but then again...
by mrc
Mon Jun 26, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?
Replies: 55
Views: 3729

Re: Help, realtors disagree. Take out bookshelves, hidden bed combo before listing?

Extrapolating from the the realtor's preferences, there a 50-50 chance a buyer will love/hate it. Is it a strong selling point? A major disincentive (e.g., an in ground pool that you don't want)? Leave it and see how the showings go. Unless it's an eyesore, and needs removing for the house to show. ...
by mrc
Mon Jun 26, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 8409

Re: Where to find a financially like-minded significant other?

bluebolt wrote:I think there's an opportunity for a Bogleheads dating site/forum. :happy


SM strict indexer seeking SF soul mate. EFTs and pets OK. Advisors and smoking a deal breaker. Ideal date nite: Tax Loss Harvesting 3-Year Plan over home made fettuccine alfredo and nice Costco white. :oops:
by mrc
Mon Jun 26, 2017 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 51
Views: 3357

Re: Federal Retiree Health Care with/Medicare

If both my husband and I pay Medicare Part B premiums, this is a lot of money. It just seems ridiculous that we would be required to pay the same premium post retirement that I am paying now. As one writer noted, FEHB health policies are not that cheap anymore. I pay about the same as I paid in pri...
by mrc
Sun Jun 25, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Leave a good boss for career advancement?
Replies: 12
Views: 1316

Re: Leave a good boss for career advancement?

Yes I've been there. Take the new job. Both great and awful work situations don't last forever. Current boss could move away from the position tomorrow. Maybe you'll meet again. You have an ally in the company. Good luck.
by mrc
Sat Jun 24, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: emerald ash borer disaster
Replies: 35
Views: 2098

Re: emerald ash borer disaster

Of the three trees mentioned (which appear to be chosen by an HOA and not an urban arborist) I would choose the lilac (Syringa reticulata). I would not choose the pear (Pyrus calleryana), they split and are dirty. You'll be paying to take them out after ~20 years. The plane tree (Platanus × acerifol...
by mrc
Fri Jun 23, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Got rear-ended: any reason not to go through my ins?
Replies: 30
Views: 2784

Re: Got rear-ended: any reason not to go through my ins?

Contact your carrier. They will look for indemnification from the other driver's insurance company. This shouldn't affect your rates at all.
by mrc
Thu Jun 22, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1513

Re: LG washer and dryer "NFC tag on" feature

Earl Lemongrab wrote:It might be useful if the wash/dryer can alert you when the cycle is finished.


Perhaps. But the buzzer was free. So is looking at the darn thing.
by mrc
Wed Jun 21, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3496

Re: Fermenting Vegetables

I ferment hot pepers. I use them sliced or to create hot sauces. A lot of the commercial hot sauces are made with fermented peppers. I know some hot sauces are fermented but I don't know how it's done. How long do you typically let them "mature". Is a standard pickling liquid involved or ...
by mrc
Tue Jun 20, 2017 5:05 am
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 3903

Re: Need to find Loaded Index Funds

All I had to do was a) set up duplicate confirms, and b) obtain prior approval before a sale/purchase of my own company's stock. I can't see why you must buy only the high cost house funds. Use your credentials and experience to find a position elsewhere — do you really want to remain a part of a fi...

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