Search found 3766 matches

by mouses
Fri Nov 16, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Why I plan on buying a life annuity - even if it is a stupid idea
Replies: 44
Views: 3134

Re: Why I plan on buying a life annuity - even if it is a stupid idea

A family member, a friend, or a neighbor is far more likely to discover an on-going scam than a single scam. Even if those people do not exist, the scammer has to be somewhat nicer to you and keep you alive to keep the scam going. Well, not really, every so often one reads of a person collecting So...
by mouses
Thu Nov 15, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6406

Re: Wait, do I need a prenup?

I suppose everybody's different. For the past 48 years, my wife and I have viewed marriage as a 100% partnership. Two partners, each giving 100%. I'm sincerely happy for you and your wife, spectec. Like probably many others here, I had thought that my wife and I viewed marriage as a 100% partnershi...
by mouses
Thu Nov 15, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 24
Views: 1227

Re: Mouse in the house

If you poison mice, you are also poisoning harks, owls, etc, through secondary poisoning.
by mouses
Thu Nov 15, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: High lumen outdoor LED bulbs
Replies: 6
Views: 490

Re: High lumen outdoor LED bulbs

In any case, in your personal experience, have you found a high lumen (150W - 250W equivalent with over 2,000-3,000 lumens) that works well outdoors in the conditions I've described? Thanks! 250 watts? Are you the people who live across the cove from me, who think they have to light up half the cov...
by mouses
Thu Nov 15, 2018 2:06 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4569

Re: How to deposit cash in online account with no local branch

Free donuts? What bank is this? I want to move my account there. :shock: My local cu has free coffee and cookies, and free lollipops at the tellers stations :-) My local CU offers some of the least rewarding rewards credit cards you can find anywhere, and pays laughable yields on savings products. ...
by mouses
Thu Nov 15, 2018 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6406

Re: Wait, do I need a prenup?

I suppose everybody's different. For the past 48 years, my wife and I have viewed marriage as a 100% partnership. Two partners, each giving 100%. I'm sincerely happy for you and your wife, spectec. Like probably many others here, I had thought that my wife and I viewed marriage as a 100% partnershi...
by mouses
Thu Nov 15, 2018 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6406

Re: Wait, do I need a prenup?

Wow. I was expecting you to say one of you has millions of dollars or a start-up business. With the assets you have, and a lifetime to build together, are you that focused on money that 50/50 and 70/30 is such a cause for concern for community property? I'm a finance person, who has been divorced, ...
by mouses
Wed Nov 14, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Dentists/Dental Professionals: Front Crowns?
Replies: 19
Views: 1303

Re: Dentists/Dental Professionals: Front Crowns?

I might get a second opinion, but it will be a cold day in hell that I have crowns put on basically healthy teeth. I've had a lot of dental work over decades and I have never heard of what he told you.

How is it even possible to wear the backs of the front teeth.
by mouses
Wed Nov 14, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4569

Re: How to deposit cash in online account with no local branch

And my B&M bank still has free donuts. Free donuts? What bank is this? I want to move my account there. :shock: My local cu has free coffee and cookies, and free lollipops at the tellers stations :-) My local CU offers some of the least rewarding rewards credit cards you can find anywhere, and pays...
by mouses
Wed Nov 14, 2018 1:06 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4569

Re: How to deposit cash in online account with no local branch

sport wrote:
Wed Nov 07, 2018 10:53 pm
radiowave wrote:
Wed Nov 07, 2018 9:38 pm
And my B&M bank still has free donuts.
Free donuts? What bank is this? I want to move my account there. :shock:
My local cu has free coffee and cookies, and free lollipops at the tellers stations :-)
by mouses
Tue Nov 13, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 108
Views: 7893

Re: Vanguard Customer Service

[Thread merged into here, see below. --admin LadyGeek] I've been a customer for nearly 40 years.There is no question that the quality of customer service has declined. I often say that the best proof against evolution is the transformation of Vanguard's leadership in the past 40 years. On Thursday ...
by mouses
Tue Nov 13, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 32
Views: 2564

Re: Any space heaters that automatically maintain a temperature in a room!

So I bought my roommate a space heater because I can’t sleep when the house heating is on. Only think is the space heater gets too hot at night so he turns it off. We keep the heating temp at 60, but it seems to always go offf in the middle of the night after he shuts it off I can't understand what...
by mouses
Tue Nov 13, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: new car [pay cash?]
Replies: 15
Views: 1210

Re: new car [pay cash?]

Do you really need a new car every 5 years? Seems like a waste of money to me.

Be careful about how you deal with a large sum of money falling into your lap. It would be easy to spend it away without paying attention. At our age, a bit of caution for the future is appropriate.
by mouses
Mon Nov 12, 2018 1:51 am
Forum: Personal Consumer Issues
Topic: Trying to move out.
Replies: 25
Views: 1949

Re: Trying to move out.

You don't even know if the dogs will have a problem with each other.

Never give up a pet for a human. If need be, you can make one or more of the separation arrangements you're thinking about.
by mouses
Sun Nov 11, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3285

Re: Seeking Advice - Emergency Preparedness

Call_Me_Op wrote:
Sun Nov 11, 2018 7:31 am

Hi mouses,

Which Generac model do you own - the Guardian? Are you concerned about the noise from your standpoint or more with respect to neighbors?
Both. The model number is G0070371. The label with info and perhaps the model name con only be seen if I take off the front panel...
by mouses
Sun Nov 11, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Help Me Buy A New Front Door
Replies: 16
Views: 1187

Re: Help Me Buy A New Front Door

I can't speak about Home Depot, but Lowe's was a mess when I ordered a storm door. It turns out their employees do not do the installation, they hire apparently random people to do it, and if you call Lowe's and ask for the manager, you can get any one of maybe five people since they have multiple m...
by mouses
Sun Nov 11, 2018 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4800

Re: Doing taxes by hand

What Luddite wou,d do taxes by hand? To save $70. Meanwhile spendiing $70 worth of time and effort with their pencil. Plus the cost and hassle of finding and printing the approximate forms. I save money elsewhere in life to the extent that the $70 is not significant when compared to that saving. Le...
by mouses
Sun Nov 11, 2018 1:12 am
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3285

Re: Seeking Advice - Emergency Preparedness

What is the probability that this may happen? How long have you lived there and has it ever happened before? Cold can be there without the snow. Surelyi inyour time there you have had cold that your system survived? Be realistic in your concerns. In my area we have had multiday power failures about...
by mouses
Sat Nov 10, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Seeking Advice - Emergency Preparedness
Replies: 56
Views: 3285

Re: Seeking Advice - Emergency Preparedness

How far north are you? We get nor’easters here around Boston but the winds don’t reach hurricane strength... maybe 50mph or so gusts in a bad one, but I’ve never seen anything close to actual sustained hurricane (75mph) wind. Temps reaching zero happen, but rarely. Sounds like you are way up there ...
by mouses
Sat Nov 10, 2018 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4800

Re: Doing taxes by hand

The Free Fillable Forms allow you to file electronically and most importantly do basic math calculations and validations. It makes absolutely no sense to take the unnecessary risk of filing completely manually. Do you think you will go to jail if you make a small arithmetic mistake? No, the IRS cat...
by mouses
Sat Nov 10, 2018 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4800

Re: Doing taxes by hand

I am attracted to the idea of doing my taxes by hand with no software. Just the forms, a pencil, and calculator. Especially since TurboTax is like $70 now. Software under $20 (FreeTaxUSA etc.) is still much easier than doing it by hand, especially when you make changes. Oops, another 1099 came in. ...
by mouses
Sat Nov 10, 2018 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 4800

Re: Doing taxes by hand

For folks doing paper. Do you print all forms and instructions at home? Or order them somehow? Last year I was gonna try by hand as well. our library didn’t have the forms. I already had TurboTax, and was too cheap to want to also print everything I would have needed to do by hand. I used to order ...
by mouses
Thu Nov 08, 2018 11:34 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9696

Re: Favorite "free stuff"?

Libraries are not free to get books, you're paying for them with your property taxes. I moved to an unincorporated area where the library is not a line item on the property tax bill. To get access to the local library they would require an annual payment equal to what that tax would be, and in my c...
by mouses
Thu Nov 08, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4024

Re: tipping for grocery delivery

I tip $5. I'm sure these delivery people are paid dirt, and they work hard. I buy 10 pound bags of kitty litter, 12 can packs of Coca Cola, etc. and it's about fifty feet from their truck to my door. If they earned decent salaries, I would not tip. The fact is, almost anyone working low on the food ...
by mouses
Thu Nov 08, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4658

Re: Think I have found my new commuter car - 2019 Honda Insight

I was all convinced that I was going to buy an Insight from web info then I went in to a Honda dealership today. The first thing is, I leaned forward and hit my head on the sun visor. I am tall, but not that tall, and adjusting the seat did not help. Then I realized my body was twisted to the right....
by mouses
Thu Nov 08, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6099

Re: Do I need more than Original Medicare?

I am not yet Medicare age but am concerned about what kind of plan I may soon sign up for. My experience with regular health insurance makes me very concerned that Medicare Advantage plans may have exclusions or in-network vs out-of-network issues similar to the issues I had with regular employer p...
by mouses
Thu Nov 08, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6099

Re: Do I need more than Original Medicare?

I am turning 65 in December 2018. Im have signed up for Medicare and I got my card. I am on the fence about signing up for a Medicare Supplement or a Medicare Advantage plan immediately. I can afford, and do not mind paying, Part A and Part B deductibles. I do not need Part D because my drugs costs...
by mouses
Thu Nov 08, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Honda Insight, MSRP vs. actual price
Replies: 1
Views: 240

Honda Insight, MSRP vs. actual price

deleted no longer relevant
by mouses
Wed Nov 07, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: How much to donate to local police and fire department?
Replies: 23
Views: 1768

Re: How much to donate to local police and fire department?

My first part of due diligence would be to call both the fire dept and police dept and ask them about the organizations soliciting my money. I have done that. In 26 years of living in my house and years of solicitations, not once has one of these places been legitimate. Same with the phone calls. T...
by mouses
Mon Nov 05, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4105

Re: Mice

I concur with the cat. Back in the mid 1980's my mother had a terrible problem with mice. I told her, "get a cat." So she did (it was a female as another poster recommended). The cat only caught one mouse that I can recall. The others all sensed there was a predator in the house and left of their o...
by mouses
Mon Nov 05, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: organizations that help sea animals
Replies: 11
Views: 752

organizations that help sea animals

I'm looking at charities to include in my will. I'm particularly looking for organizations that help sea animals. I spoke to Ocean Conservancy, and they seem to mostly do policy work. That is important, but I also want hands on the ground so to speak. Charity Navigator gives them the highest rating ...
by mouses
Sat Nov 03, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Which Prius or something else?
Replies: 25
Views: 1600

Re: Which Prius or something else?

I'm not sure if this is complete, but I found a $7500 federal tax credit for a Tesla up until the end of the year. That would do me almost no good as my federal tax bill last year was about $400 and will be about $1000 more this year due to the tax law changes. My state appears to have zip.
by mouses
Sat Nov 03, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Which Prius or something else?
Replies: 25
Views: 1600

Re: Which Prius or something else?

Hmm... what about a Corolla? That should alleviate most of what's been mentioned in the thread. It's still very good MPG so check out the data (if available) on production effect of both of these on the environment. They might come up close is my guess. I looked at the Prius today and the front com...
by mouses
Sat Nov 03, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Do You Backup Your Phone Locally? How?
Replies: 17
Views: 851

Re: IT Help Needed: Best Way to Backup a Phone?

I believe my Nook HD+ is an Android underneath. When I plug it into my Windows laptop's USB port, it looks like an external drive and I can drag files in both directions.
by mouses
Sat Nov 03, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Softest Fabric or Brand for a Lady's Nightgown?
Replies: 10
Views: 997

Re: Softest Fabric or Brand for a Lady's Nightgown?

Lanz flannel nightgowns, a classic. Very comfortable. Never scratchy assuming she cuts the tag out at the neck.

This is real flannel, not one of those wretched knits.
'
https://www.vermontcountrystore.com/lan ... duct/45638
by mouses
Sat Nov 03, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2366

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

I get news and also interesting articles from the BBC free. There is enough other news free around the Internet to the degree I care about it. I am not aware of any major US "newspaper" that is without bias.
by mouses
Sat Nov 03, 2018 2:53 am
Forum: Personal Consumer Issues
Topic: Which Prius or something else?
Replies: 25
Views: 1600

Re: Which Prius or something else?

Camry or accord hybrid. they get about the same mileage as prius and in general they are better cars. Realistically you didnt say anything you want in a car sobit is hard to give any specifics. Mainly just a lot of complaints about modern design which is largely driven by safety standards😁 Unfortun...
by mouses
Sat Nov 03, 2018 2:43 am
Forum: Personal Consumer Issues
Topic: Which Prius or something else?
Replies: 25
Views: 1600

Re: Which Prius or something else?

A pure EV does not have a long enough range. why not? The technology is not there yet, I suppose. Presumably things will get better, but until recharging stations are more common, including on freeways, range is a limiting factor in deciding what to buy. About once a month I have a 200 mile trip.
by mouses
Fri Nov 02, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Which Prius or something else?
Replies: 25
Views: 1600

Which Prius or something else?

So after a lot of waffling it looks like I am going to buy a new car. Both my cars are decades old, so all I know about new cars comes from renting them and that several family members in distant states have and like Prius(es?) From renting, I know I don't want a Ford Fusion because from the driver'...
by mouses
Fri Nov 02, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Damage caused by roofer, what are my options?
Replies: 12
Views: 1971

Re: Damage caused by roofer, what are my options?

BBB A+ rating. That's hilarious. (to eliminate complaints, all a company has to do is contact BBB and tell them that the problem is resolved and the case can be closed. No contact is made to the complainant. The BBB is only interested in the business side of the story.) This hasn't been my experien...
by mouses
Fri Nov 02, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: Damage caused by roofer, what are my options?
Replies: 12
Views: 1971

Re: Damage caused by roofer, what are my options?

As you probably know by now, your problem is not going to get resolved with the roofing company. Get in touch with your insurance agent and explain this situation. Let them know you need to have the repairs done ($1500), because my guess is you are going to have bigger problems if you don't. They s...
by mouses
Wed Oct 31, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: Temporary Credit Freeze Lift and non-required PINs - no security
Replies: 19
Views: 2274

Re: Temporary Credit Freeze Lift and non-required PINs - no security

Trism wrote:
Thu Oct 25, 2018 12:49 pm
I have to use a PIN with my debit card at an ATM, but I can go inside the bank and withdraw cash without the PIN!

O

M

G

This seems to be happening everywhere.
At least two of my credit unions have a photo of the customer on their display, so they know if you're legit.
by mouses
Wed Oct 31, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Diagnosed Non-curable Cancer -- what now?
Replies: 54
Views: 10316

Re: Spouse Diagnosed Non-curable Cancer -- what now?

I am sorry to hear this. You have done a remarkable job of planning already. I think very few people could have done this. My thought is that you are right to not tell the kids until your husband becomes symptomatic. Let them have an untroubled childhood as long as possible. Perhaps in ten years sig...
by mouses
Wed Oct 31, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3234

Re: USPS - Informed delivery - complain on missing items?

Despite all the complaints here, I am happy with the post office in my area. I am not happy with UPS and FedEx, which seem to respectively think leaving a package at the street, where I can't see it from the house since the garage is in the way, or leaving a heavy package against my outward opening ...
by mouses
Wed Oct 31, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3234

Re: USPS - Informed delivery - complain on missing items?

By the way, I noticed in recent weeks that occasionally the same item gets included in the email on two consecutive days (only one physical letter gets delivered). Anyone else seen that? Yes. I just assume something in the mysterious process doesn't get it into the delivery chain the first time. I ...
by mouses
Wed Oct 31, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3534

Re: The most you ever paid for a prescription

Keep in mind almost all of these prices are big ripoffs. I used to believe the stuff about BigPharma needing these prices to cover research, then I saw the prices of old meds go through the stratosphere when people like PharmaBro bought the rights to them, and the nytimes ran an article on med price...
by mouses
Wed Oct 31, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 3534

Re: The most you ever paid for a prescription

$387 per month for Voriconazole for my dog!! Yes, my dog! I carried this on for a few months until I realized Costco could be cheaper and it was. It varied from $60-$120 a month from Costco. My cat is on an asthma med that costs $400 in the US and $100 from Canada, for two months. I have two meds m...
by mouses
Tue Oct 30, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Donut Hole is "Closing" in 2019
Replies: 11
Views: 2326

Re: Medicare Donut Hole is "Closing" in 2019

That link is making my head hurt. I thought one would go from initial to catastrophic. Is it saying the donut hole will still exist, but be somewhat less expensive than it is now, but still more expensive than catastrophic coverage?
by mouses
Tue Oct 30, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3422

Re: Struggling with Medicare Plan G vs Plan N

My last decision is whether to go with AARP Plan G which is community rated or an issue-age rated company. There is one of each sold in my state-- AARP UnitedHealthcare is priced at $124.00 and Transamerica which is Issue age rated at $151.00. Thanks for helping me work through this. RB I am also d...
by mouses
Tue Oct 30, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Supporting dying father and preparing to support his wife?
Replies: 22
Views: 2435

Re: Supporting dying father and preparing to support his wife?

I am sorry about your Dad's health. I haven't read all the replies, but several things occurred to me: I think you need to find out more about your Dad's health. Exactly what is wrong and what might help. Don't overlook the possibility that one or more of his medications might be hampering him. He n...