Search found 416 matches

by verbose
Sun Aug 21, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7243

Re: The True Cost of Owning a Dog

But I was tracking dog and cat expenses separately. Simply feeding our healthy Labrador retriever blew past the cat's medical expenses, not to mention the dog's preventive vet bills, boarding costs and grooming (about $40/month for the dog), training, and a succession of leash-like devices designed...
by verbose
Thu Aug 18, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7243

Re: The True Cost of Owning a Dog

My husband complained once about how expensive our diabetic cat was. The cat required us to have a supply of insulin ($30/yr), syringes ($10/yr), and quarterly vet visits for blood sugar testing ($160/yr, just for blood sugar tests). Other than that, all we needed for the cat was dry cat food and an...
by verbose
Fri Jul 29, 2016 5:03 pm
Forum: Investing - Theory, News & General
Topic: Covered call scam
Replies: 10
Views: 1700

Re: Covered call scam

I don't see any scam here, except that your FA has you in investment options that you don't understand. You haven't disclosed commissions and fees, so we don't know if those are out of line either. The OCC (Options Clearing Commission) handles assigning exercised shares for the entire options market...
by verbose
Wed Jul 06, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: When to proactively replace water heater
Replies: 39
Views: 2709

Re: When to proactively replace water heater

Thanks for the replies. Based on the advice above, I believe I should try to drain it first. It's in an unfinished part of the basement about one foot away from a floor drain. I'll need to buy a very short hose to drain it--all of mine are 50 foot garden hoses. There's a small chance it could damage...
by verbose
Tue Jul 05, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: When to proactively replace water heater
Replies: 39
Views: 2709

When to proactively replace water heater

I have a 2007 gas-powered tank-type water heater that was installed in a new-construction house. Since it was new construction, we became used to not doing any repairs because it was all new! Suddenly nine years have passed. (This must be part of "getting older"--not knowing where the time...
by verbose
Sat Jul 02, 2016 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage msg "insufficient balances or short positions that cannot be maintained" (Covered Call Assigned)
Replies: 5
Views: 534

Re: Brokerage msg "insufficient balances or short positions that cannot be maintained" (Covered Call Assigned)

This looks like a standard message that is not specific to covered calls. A covered call being assigned cannot result in a short position. That's pretty much the meaning of it being "covered." Other option scenarios can do that, however. As for the option buying power, options generally ca...
by verbose
Fri May 27, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 139
Views: 24992

Re: Experience with Honda airbag recall?

Until recently, I thought my cars were unaffected by this recall. But Honda recently added more model years to its recall. VIN search is not yet available for my 2008 Civic, but 2008-2011 Civic were added. Since it's a 2008 model in "area B" the recall (if not the fix) must be done this ye...
by verbose
Thu May 26, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Forced use of automatic ACH withdrawals?
Replies: 18
Views: 1709

Re: Forced use of automatic ACH withdrawals?

This is not unusual for day care and private schooling, however, it takes control away from you. Some schools allow checks for longer payment-in-advance intervals (quarterly or longer) while requiring ACH for shorter periods. If there are any "mistakes" in the ACH, treat it as fraud if the...
by verbose
Thu May 05, 2016 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Gift stock to charity. No cost base data.
Replies: 10
Views: 640

Re: Gift stock to charity. No cost base data.

From the instructions for 8283 (column g is labeled "Donor's cost or adjusted basis") Column (g). Do not complete this column for property held at least 12 months or publicly traded securities. Keep records on cost or other basis. You don't need to report the cost basis to the IRS for dona...
by verbose
Wed Apr 06, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Anything to look for when buying a fridge?
Replies: 38
Views: 3293

Re: Anything to look for when buying a fridge?

I'm adding to this thread instead of starting a new one. We have a 2007 Maytag French-door that is failing to cool intermittently. An independent technician whose expertise we trust has diagnosed it as a failure in the "sealed system." The cost to repair is at least $900, but he didn't giv...
by verbose
Thu Mar 17, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Tub Cleaning Issue - Soap Scum
Replies: 23
Views: 3038

Re: Tub Cleaning Issue - Soap Scum

Is this tub porcelain-coated cast iron, fiberglass or another material? That's very important. Some of the suggested cleaning methods, including Comet, can damage certain finishes. If you fill the tub with water, the Comet on the bottom will rinse out easily. Therefore what's in the bottom is not Co...
by verbose
Mon Mar 07, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: Honda Care Extended Warranty experience?
Replies: 26
Views: 2873

Re: Honda Care Extended Warranty experience?

Honda also does a good job of retroactively covering "stuff that shouldn't break." My 2008 Civic with 100k miles has had exactly two problems (so far) that were not expected maintenance, accident damage or damage caused by incompetent mechanics. First, the sun visor split. Honda covered it...
by verbose
Mon Feb 29, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: 501c3 letter- need to obtain one on behalf of an organization.
Replies: 23
Views: 1119

Re: 501c3 letter- need to obtain one on behalf of an organization.

Let's just say that when I agreed to accept this board position last summer, there were certain representations made to me regarding what my duties would be, what the time commitment would be, what other people would be doing, and the general state of the paperwork organization. When I actually got...
by verbose
Mon Feb 29, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: 501c3 letter- need to obtain one on behalf of an organization.
Replies: 23
Views: 1119

Re: 501c3 letter- need to obtain one on behalf of an organization.

Since you can't even find the 501c3 letter, I assume no one has been filing the 990-N e-postcard annually? For most non-profits (I think churches are exempted), the IRS will revoke the organization's non-profit recognition. This doesn't mean your organization is a for-profit, but it does mean you ne...
by verbose
Fri Sep 11, 2015 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance Claim : do I take it?
Replies: 24
Views: 2078

Re: Car Insurance Claim : do I take it?

Many people assume that collision covers damage you cause to your car by your own fault. That's not entirely true. Collision covers property damage that is anyone's fault. I discovered that the hard way when my van was damaged by a school bus and the bus company stonewalled my attempts to claim. My ...
by verbose
Wed Sep 09, 2015 6:51 pm
Forum: Personal Consumer Issues
Topic: Renter Security Deposit - Damage Cost Documentation
Replies: 22
Views: 1632

Re: Renter Security Deposit - Damage Cost Documentation

Our glass shower door broke like this. The door slid off its track while I was in the shower. I couldn't get either door to move so I could get out of the shower. In retrospect, panic wasn't warranted, but I did panic a little bit. I tried to force the door open and it shattered completely. Shower d...
by verbose
Wed Sep 09, 2015 6:37 pm
Forum: Personal Consumer Issues
Topic: How much is reasonable to pay for medical tests
Replies: 30
Views: 2328

How much is reasonable to pay for medical tests

Since medical questions are prohibited, I will not describe the actual condition or recommended tests. My concern is primarily financial. I've been having a condition for about a decade and after courses of various medications with various degrees of success, my primary care physician apparently was...
by verbose
Wed Sep 09, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: Replacing tires. Should I also replace Tire Pressure Sensors? (2008 model year Honda)
Replies: 25
Views: 5054

Re: Replacing tires. Should I also replace Tire Pressure Sensors? (2008 model year Honda)

I don't buy it. I'm guessing the Costco tire salespeople have practiced this pitch in team meetings. You are a person who is so scrupulous about maintenance that you replace tires with sufficient tread due to age (which is not wrong, but it's different than the person who is there because she had a ...
by verbose
Wed Jul 29, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 8230

Re: wife got in wreck with Honda CRV - no collison coverage

Two people have described rear-ending other cars in unexpected scenarios (a yellow light and a roundabout). I wonder if stopping distance is the entire issue here. There's a cognitive delay involved in which the unexpected stoppage has to be brought to conscious attention. I call it "autopilot ...
by verbose
Thu Jul 23, 2015 7:54 am
Forum: Personal Consumer Issues
Topic: Problem w/ vehicle, dealership shrugs shoulders
Replies: 24
Views: 2631

Re: Problem w/ vehicle, dealership shrugs shoulders

I had a 2004 Ford Freestar minivan. The check engine light came on when I drove it over 65 mph for at least 15 minutes. However, there was no code registered. Apparently internal transmission issues can cause the light to come on without registering a code. If Ford hasn't changed this, then this cou...
by verbose
Wed Jul 15, 2015 7:02 am
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 21617

Re: What 2008/09 has done to me

Every personal item I keep at work fits in one shopping bag and that shopping bag is also at work. No plants, no pictures, no books. If I have to walk out in a moment's notice, I won't have the indignity of packing up a cardboard box and staggering out the door loaded with my possessions. My employe...
by verbose
Tue Jul 07, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: If you wouldn't buy it, then you should sell it
Replies: 35
Views: 4340

Re: If you wouldn't buy it, then you should sell it

There's a place for this philosophy, but it's more emotional than financial. Some people end up surrounded by possessions that inspire negative emotions, especially regret. They are overwhelmed by the stuff they own, unable to store it, organize it, or even use it (that top that doesn't match anythi...
by verbose
Tue Jun 09, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 15848

Re: Car dealer wants me to compensate for underpayment

This sounds familiar to me. I've only bought a brand-new car once, I and have a vague memory of the dealer calling me back asking for more money because they forgot some fee. I think I paid it because when it comes to car buying, I apparently have SUCKER written on my forehead in ink that only car s...
by verbose
Fri May 22, 2015 1:08 pm
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 79
Views: 16168

Re: Let's hear your Dave Ramsey success stories

Apparently, even people of above-average intelligence sometimes need to be told how to manage money. It's not so much that we haven't heard it, but that the message didn't sink in the first thousand times we heard it. In our society, temperance is not encouraged and has to be embraced and internaliz...
by verbose
Wed May 20, 2015 3:42 pm
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 4095

Re: How should drivers react to bicycle riders on one lane roads?

There are several roads in my local area that are two-lane roads with medians (and tall concrete curbs) and my area is very popular with cyclists because it's a flat flood-plain near scenic rivers and country roads. A broken-down car can completely block the lane (sometimes it can be passed but it's...
by verbose
Tue May 19, 2015 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads (in general) plan to finance their healthcare for later life?
Replies: 34
Views: 4424

Re: How do Bogleheads (in general) plan to finance their healthcare for later life?

HSAs IIRC are not available if you are covered by any non HDHP health insurance or medicare. I keep hearing about the HSA on this board. But apparently I can't have one. My small employer offers a single health insurance choice, which is not HDHP. Since the employer pays 80% of family premium and t...
by verbose
Fri May 15, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: My Home: Renovate or get out?
Replies: 13
Views: 1922

Re: My Home: Renovate or get out?

1. Fix-as-it-breaks and leave everything alone. If you are not moving in and continue to rent it, then this. 2. Spend the money and do the repairs+upgrades (Doing everything, its close to 100k. Doing only repairs + minor upgrades: ~30k) If you are going to move in by yourself. But don't underestima...
by verbose
Wed May 13, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 5309

Re: Brand Loyalty

There seem to be different levels of brand loyalty. In some cases, brand loyalty is so high that a consumer won't even look at a competitor's product. In that category, I have Apple and Vanguard. There are probably more than that, but they're not coming to mind. Then there are brands that I will buy...
by verbose
Wed May 13, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 5228

Re: Credit Cards are Good

Several years ago I cancelled all my credit cards, which were all in good standing and not carrying balances. I will admit that Dave Ramsey was a major influence here, though I don't follow all of his advice. I had been attempting to budget around the credit cards, but found it nearly impossible. On...
by verbose
Wed May 13, 2015 8:27 am
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 12389

Re: I Hate Vacations

I agree with OP, and it's all about the limited vacation time from the employer. Anyone who has more than 3 weeks vacation time (or no limit) probably cannot understand what this is like. I get 10 days per year, two of which I'm expected to use to because my client has more holidays than my employer...
by verbose
Mon May 11, 2015 1:28 pm
Forum: Personal Consumer Issues
Topic: Bought a brand new house - what next?
Replies: 17
Views: 2529

Re: Bought a brand new house - what next?

Your brand-new house probably came with the builder's warranty. Our home had a 2-year warranty that covered everything that broke within 2 years. We regularly had the builder's warranty team out to fix things during those years. Do not immediately finish the basement (if it has one). Ideally, during...
by verbose
Mon May 11, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Selling condo should I replace carpeting?
Replies: 15
Views: 2087

Re: Selling condo should I replace carpeting?

We had to replace pet-stained carpet before selling one of our homes. Those of us with pets don't notice the odor as much. There is definitely an odor. Dogs leave an odor even if they haven't excreted on the carpet. With cats, if there was ever excrement on the carpet, it will always smell. If your ...
by verbose
Mon May 11, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: escrow increase...
Replies: 28
Views: 2371

Re: escrow increase...

It sounds like the escrow is working correctly. Escrow uses last year's insurance and property taxes as forecasts. Escrow requires a 2-month minimum balance. Escrow generally is required for loans with under 20% equity, especially if you are also paying PMI. I'm not sure if they will change the esti...
by verbose
Fri May 08, 2015 9:20 am
Forum: Personal Consumer Issues
Topic: What to use to clean car
Replies: 45
Views: 5230

Re: What to use to clean car

mak1277 wrote:Exterior - rain
Interior - nothing


I like this method but I supplement it by taking the car to a full-service wash about every 6 months. I leave a good tip because the young people are scrubbing down the inside for quite a while.
by verbose
Thu May 07, 2015 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Where should I keep my EF? [Emergency Fund]
Replies: 11
Views: 1373

Re: Where should I keep my EF?

You may get different answers to these questions here--there isn't a consensus on these. But here's something to start with: 1) Figure out how much you want in your e-fund. I suggest at least $1000. Most people prefer to have at least three months of expenses (which is hopefully less than your take-...
by verbose
Wed May 06, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Testamentary Trust Beneficiary Designation
Replies: 8
Views: 840

Re: Testamentary Trust Beneficiary Designation

I have a testamentary trust designation for contingent, but I'm not sure if it will be effective. My attorney specified a five-line "name" for the trust, and it doesn't fit. All of the contingent designations (life insurance, 401k, IRAs) are incorrect because I can't get anything like the ...
by verbose
Fri May 01, 2015 9:13 am
Forum: Personal Finance (Not Investing)
Topic: The Engineer's Guide to Investing
Replies: 32
Views: 3881

Re: The Engineer's Guide to Investing

The thing that I see over and over and over is that small consulting engineering firms have the most craptacular employer-provided retirement plans possible. The owners of these firms simply love the MorganStanley, JPMorgan, UBS, MerrillLynch, EdwardJones, Prudential, Nationwide, and other 401(k) p...
by verbose
Fri May 01, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Value of personal time
Replies: 24
Views: 2584

Re: Value of personal time

As a working parent, my time isn't so much "valuable" as "not there." I buy gas at the most conveniently located gas station and I don't look at the price. Given that I'm in the Midwest and I get from 25-30 mpg, any difference is in the noise. It doesn't matter whether I attempt ...
by verbose
Thu Apr 23, 2015 11:00 am
Forum: Personal Consumer Issues
Topic: Mac computer people (or others) need your thoughts
Replies: 15
Views: 1815

Re: Mac computer people (or others) need your thoughts

The program you downloaded is known as a "Trojan Horse." It's malware, but it's not a virus. All computers are vulnerable to Trojan Horses and always have been. A Trojan Horse is a malicious program that is deliberately installed by the user because he thinks it's something else, just as t...
by verbose
Thu Apr 23, 2015 10:44 am
Forum: Personal Finance (Not Investing)
Topic: City Tax Question
Replies: 3
Views: 528

Re: City Tax Question

I haven't lived in Ohio for several decades, but I remember the city income taxes (and I don't miss them!). I lived in one city with an income tax and worked in a different city with an income tax. In my case, the city where I worked withheld taxes as a straight 1% of earnings. I didn't need to file...
by verbose
Fri Apr 17, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Help with ideas to buy a home in a hot market
Replies: 14
Views: 1905

Re: Help with ideas to buy a home in a hot market

Don't discount #1. We did a double move with (just one) 5-year-old when we built our house. I would do it again becuase it actually simplified the process. Our house had languished on the market and we were having difficulty showing it with our work schedule and our poor old dog who wasn't used to b...
by verbose
Fri Apr 17, 2015 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Incorrect 1099-MISC - Options?
Replies: 3
Views: 476

Re: Incorrect 1099-MISC - Options?

You noticed there is no fillable 1099-MISC. This form is actually a carbon copy that has to be ordered from the IRS, unless you own business tax software that generates and electronically transmits the forms. Small businesses can buy special software at office supply stores and hand-enter the data. ...
by verbose
Wed Apr 15, 2015 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Last minute tax question about deductions - need help!
Replies: 11
Views: 687

Re: Last minute tax question about deductions - need help!

On your related question, if you pay the doctor's bill in 2015 for services in 2014, you deduct it in 2015 (if you are still over the 10% cap).
by verbose
Wed Apr 15, 2015 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Last minute tax question about deductions - need help!
Replies: 11
Views: 687

Re: Last minute tax question about deductions - need help!

Medical Expenses Publication: http://www.irs.gov/pub/irs-pdf/p502.pdf Relevant quote: "You can include only the medical and dental expenses you paid this year, regardless of when the services were provided. " Scanning the document, it appears that the deduction is only based on the year th...
by verbose
Tue Apr 14, 2015 4:16 pm
Forum: Personal Consumer Issues
Topic: Experience with Apple Pay?
Replies: 32
Views: 3160

Re: Experience with Apple Pay?

I've used it a few times, mostly at McDonald's. It's available in the drive-thru, but the cashier has to pick up the credit card machine and dangle it outside the window. The cashiers aren't cheerful when they do that... I'm a single-card person, and sometimes my single card has been left in the poc...
by verbose
Tue Apr 14, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: Cloud-based home/asset inventory program
Replies: 4
Views: 862

Re: Cloud-based home/asset inventory program

Many of these programs work in tandem with your home computer, which you didn't identify.

I used a Mac program called Home Inventory that has companion iPhone/iPad scanner and cloud backup apps.
by verbose
Tue Apr 07, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Battery or Gas Lawn Mower
Replies: 33
Views: 3688

Re: Battery or Gas Lawn Mower

I have a B&D 36V battery-powered mower that I purchased last year. Before that, I'd been using a corded electric mower. I live in a community with small yards that prohibits homeowners from using gas-powered lawn equipment. I'm very happy with the battery-powered mower. With the corded mower, th...
by verbose
Thu Mar 19, 2015 1:31 pm
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 4632

Re: Children's Swingset

We recently got rid of our swingset after years of non-use. There were a few things that contributed to the non-use, which I will list, but the number one intractable problem was WASPS. We continually knocked down the wasp nests, but we couldn't keep the wasps from hovering about the playset. First,...
by verbose
Sat Mar 14, 2015 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: W-2 Box 12 questions
Replies: 4
Views: 1126

Re: W-2 Box 12 questions

Are you sure you aren't looking at Box 14? http://taxhelpwhenyouneedit.blogspot.com/2013/02/w-2-box-14-codes-for-defense-finance.html Code K is Non-taxable dental and vision deductions Code V is Non-taxable health benefits Since those are non-taxable, you probably don't need to do anything with thos...
by verbose
Thu Mar 12, 2015 10:52 am
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 5907

Re: If you could send an investment message 10 years in the

Looking back at me in 2005, money advice would not have been very helpful. Given the emotional turmoil I experienced, I probably would have found a way to waste a pile of money or sabotage the strategy. I would send myself: - The name of the doctor who correctly diagnosed and definitively fixed a me...

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