Search found 2943 matches

by mouses
Thu Apr 19, 2018 2:04 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 88
Views: 3038

Re: PC laptops

I have found that HP laptops are not good. The hinges tend to break over time. The customer service is terrible; you wind up on two hour hold to our friends in Bombay or wherever the heck they are, and when you finally reach them you might as well not have. I am really happy that I changed to Lenovo...
by mouses
Tue Apr 17, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 3851

Re: car at 80

We just bought a Buick, all of ours turn the light off automatically, and all have traction control which is really helpful when getting going on hard snow or ice. Many of the models we test drove had features like lane departure warning adaptive cruise These can be quite helpful, though we did not...
by mouses
Tue Apr 17, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 32
Views: 1852

Re: Medicare Questions

They will try come up with all kind of justifications. I have yet to find an anesthesiologist who makes < $500K. They find little sympathy from me. I have great admiration for the medical profession. Not so much for anesthesiologists. Other doctors have to deal with the same insane health care syst...
by mouses
Tue Apr 17, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 32
Views: 1852

Re: Medicare Questions

Also, there are actually three categories of Medicare billing from providers: Accept assignment: They agree to accept Medicare payment schedules including deductibles and co-payments/co-insurance. Plan G will pay everything Medicare doesn't pay except for the Part B deductible. Do not accept assign...
by mouses
Tue Apr 17, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Please suggest a file folder type
Replies: 21
Views: 1073

Re: Please suggest a file folder type

I would save them digitally, in two places, one offsite. Then no large use of space, no loss of data if there's a fire or flood, etc.
by mouses
Tue Apr 17, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 3851

Re: car at 80

I'm in my 70s. When I park the car at home, I park it in the garage and the headlights show up dramatically against the front wall. Not a help if he is forgetting when he parks it elsewhere. But I don't do a lot of driving at night. I was mumbling to my ortho doc about the difficulty getting in and ...
by mouses
Tue Apr 17, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: buying bonds
Replies: 8
Views: 605

Re: buying bonds

onourway wrote:
Tue Apr 17, 2018 8:16 am
Why do you wish to buy individual bonds rather than simply holding a bond fund?
My perhaps erroneous understanding is that the price of shares in a bond fund fluctuates and will go down if interest rates increase. By buying an individual bond(s) and holding them to maturity, I avoid that loss.
by mouses
Tue Apr 17, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Human Touch WholeBody 7.1 Massage Chair review
Replies: 9
Views: 1131

Re: Human Touch WholeBody 7.1 Massage Chair review

I tried one of these at a home show. If I had had $1800 to throw around, I would have bought it on the spot. I can't speak to how long they last, though.
by mouses
Tue Apr 17, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: buying bonds
Replies: 8
Views: 605

buying bonds

So I am a newbie at buying bonds and have been reading up and prowling the Vanguard website before I do anything. My plan is to buy and hold until maturity. I would prefer to buy new issue bonds so I don't have to crunch numbers on the offered prices to get the actual interest rate. So I go to the V...
by mouses
Mon Apr 16, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Structured Settlement versus cash
Replies: 10
Views: 892

Re: Structured Settlement versus cash

I am very sorry.

Are you sure any of this is taxable? That seems odd to me and google seems to say no.

I always trust myself handling money more than I trust some company handing it out over years.
by mouses
Mon Apr 16, 2018 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Can I *not* claim all the state tax in my itemized deduction?
Replies: 36
Views: 3282

Re: Can I *not* claim all the state tax in my itemized deduction?

OK, now let's assume that is illegal. Then that means if I use standard deduction, or don't itemize the full amount, I'll have strong incentive to pay the state only up to the actual state tax that will be assessed, and not a cent more, right? If I use standard deduction, for example, then how much...
by mouses
Sun Apr 15, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: 52 oz, the new orange juice size?
Replies: 21
Views: 1532

Re: 52 oz, the new orange juice size?

We (the collective "we," not you and I specifically) are the cause of all this downsizing. It's what consumers often prefer (versus price increases) when voting with their dollars. That's not clear to me. I prefer buying things that last, but in many cases all there is is made in China junk. I woul...
by mouses
Sun Apr 15, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 3449

Re: Unaffordable prescription drug

Do they ever confiscate at customs? This is a daily injection, so traveling home with 180 vials and needles might seem suspicious. Are the needles expensive? If not, you might buy those in the U.S. Although I once had a mess of a time buying insulin needles for my cat in the U.S. from some nutcase ...
by mouses
Sun Apr 15, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 3449

Re: Unaffordable prescription drug

Inhalers are even cheaper here in Europe. Are they really $400 in the US? That's crazy. If I buy them with no prescription, I pay US$4.50. $4.50, I think I'm going to puke. A two month asthma inhaler costs me $400 in the US, $100 bought through a reputable Canadian pharmacy. Cross fingers, the feds...
by mouses
Sat Apr 14, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 goes into the ether. what now?
Replies: 21
Views: 1605

Re: 1040 goes into the ether. what now?

The delivered notice showed up. Oh, me of little faith :-)
by mouses
Sat Apr 14, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: HELP..not sure what to do at 55 YOA
Replies: 21
Views: 2743

Re: HELP..not sure what to do at 55 YOA

I haven't read all the replies. BurnedBefore, At the very least, you should look at CDs at federally insured banks and credit unions. You cannot lose money on these unless you take the money out early, in which case you will have to pay an early withdrawal penalty, which is usually six months to a y...
by mouses
Sat Apr 14, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 5489

Re: vanguard notice - retiring our old investment platform

I might not be up to date, but the last I knew you could not schedule "automatic" exchanges from say, Prime MM to a muni fund or auto exchanges to a bank account on/in the brokerage platform. I don't do either now, but it would be handy if I depart earlier than my wife. No internet where you're goi...
by mouses
Sat Apr 14, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: 1040 goes into the ether. what now?
Replies: 21
Views: 1605

Re: 1040 goes into the ether. what now?

The poor Post Office. It has to handle this big flood of mail, and meanwhile it is choked by (I'll delete this political comment to save the mods some time.) The IRS is in similar tough straits. I don't think it's fair to say "the poor Post Office." Alternatively the Post Office complains about hav...
by mouses
Sat Apr 14, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 126
Views: 16615

Re: Tipping for restaurants where you order at the counter

Your nearby cafe where the owner takes all the tips, for himself. That is an afront to me. That is unethical, unreasonable, and wrong in so many ways. I would not eat there if I knew is for a fact. I would tell them that also. So wrong. I agree that it is unethical. When I eat there I either leave ...
by mouses
Sat Apr 14, 2018 6:04 am
Forum: Personal Finance (Not Investing)
Topic: HELP - IRS says I owe close to $12,000 for 2016 taxes
Replies: 26
Views: 4281

Re: HELP - IRS says I owe close to $12,000 for 2016 taxes

First off, I would send the IRS a letter with this form, explaining what happened and saying she is finding the cost basis but that that may take some time. My experience has been, from taking over as executor of an estate the previous executor had made a paperwork mess of, that the IRS is decent ab...
by mouses
Sat Apr 14, 2018 5:47 am
Forum: Personal Finance (Not Investing)
Topic: 1040 goes into the ether. what now?
Replies: 21
Views: 1605

Re: 1040 goes into the ether. what now?

I am due a slight refund, so I'm not worried about a penalty. I do have evidence of mailing. I am going with Samsoes' stand down advice. If the IRS doesn't have it in a month or so, I will remail it FedEx with a cover letter. Thanks everyone. The poor Post Office. It has to handle this big flood of ...
by mouses
Fri Apr 13, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 goes into the ether. what now?
Replies: 21
Views: 1605

1040 goes into the ether. what now?

I do my taxes by hand and then mail them in with tracking. For the first time in like 50 years, the post office has apparently sent the return into the ether. It left Salt Lake on its way to the IRS at Ogden, and then the tracking number says delayed, every day for numerous days. Looking on the web ...
by mouses
Fri Apr 13, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Employee IPO windfall - mid 7 figures
Replies: 30
Views: 3369

Re: Employee IPO windfall - mid 7 figures

If you sell it all at once, will that impact the stock price? Otherwise, I'm of the sell asap philosophy.
by mouses
Fri Apr 13, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: Persian Rug Passed Down From Grandmother
Replies: 28
Views: 2031

Re: Persian Rug Passed Down From Grandmother

I will speak up for "old brown furniture." It's the only kind worth having, in my opinion.
by mouses
Thu Apr 12, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Emergency Guardianship
Replies: 4
Views: 365

Re: Help with Emergency Guardianship

Is your grandmom able to live at home? If not, selling the house would generate money for her care.

Does the attorney know about things like Medicaid, etc.; if not maybe the nursing homes or hospital have a social worker who would be a source of information. Her doctor's office may know of someone.
by mouses
Thu Apr 12, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 9637

Re: Mid-40s in tech - how to pass off as acceptably young

You've narrowed in on your age as an issue, but are you sure that's it? How are you keeping your skills up-to-date? Have you been going to relevant professional society meetings or social gatherings to network with people in your area of specialization and to stay up-to-date? Can you talk with pass...
by mouses
Thu Apr 12, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4575

Re: realtor wants to show house to buyer, no listing agent for me

I'll just add that the OP has to learn to tell people to take a hike. If a realtor were hounding me, that's what I'd do.
by mouses
Wed Apr 11, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Prescription drug costs
Replies: 22
Views: 1194

Re: Prescription drug costs

gasdoc wrote:
Tue Apr 10, 2018 11:11 am
I've also used Canadian companies for asthma inhalers.

gasdoc
An asthma inhaler for two months: $400 in the US, $100 via Canada.
by mouses
Tue Apr 10, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: help with pension lump sum offer
Replies: 13
Views: 1028

Re: help with pension lump sum offer

Would that $1,157 be adjusted as time goes on for inflation?
by mouses
Tue Apr 10, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 56
Views: 4319

Re: Structuring Newlywed Finances for Fairness and Less Arguments

Dbr and TwstdSista, thank you for your responses. And, Independent2 – sorry if I highjacked your question! Like TwstdSista, I can see both sides of this which is why I am asking. However, I agree completely with dbr. We should look at this together as part of our joint budget. We will work it out –...
by mouses
Tue Apr 10, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: How can I get a passport?
Replies: 47
Views: 3726

Re: How can I get a passport?

I don't know why the OP is dissing the post office. It was a piece of cake dealing with them to get my passport. Perhaps he just went to one that was overworked, and he should try another one. FedEx and UPS in my area make the post office look like it is run by angels. The post office does not heave...
by mouses
Tue Apr 10, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: 0% credit card to pay off student loan?
Replies: 25
Views: 1475

Re: 0% credit card to pay off student loan?

If you crunch the numbers and are sure you are including all the fees like transfer fees, and it is beneficial, I would do it. I know no one here likes debt, but it seems foolish to throw away hundreds of dollars that you could save if you are disciplined enough to handle this,
by mouses
Mon Apr 09, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4346

Re: Handling ageism in tech

I always heard this but now that I’ve been in tech for several years now I have found it to be total bs. The folks who have been in the industry for years are the only ones with a clue. They have seen the same thing over and over again. Maybe using different technologies but bottom line it’s the sa...
by mouses
Mon Apr 09, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4346

Re: Handling ageism in tech

Tech generally pays well. Given that, the solution to this problem is to aim for and achieve FI ASAP so that you don't have to worry about ageism later in your career. This. However, it still sucks to not have the opportunity to work in one's field just because of age. And if you think it's bad for...
by mouses
Mon Apr 09, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: No will. What happens to my accounts if I die?
Replies: 34
Views: 2730

Re: No will. What happens to my accounts if I die?

Home safe - it is easier for me to keep copies of important documents in a safe deposit box, plus they are offsite in case the house burns down or whatever. I had a revocable living trust, will, power of attorney for healthcare (includes provisions of a living will) and power of attorney for finance...
by mouses
Sat Apr 07, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 2622

Re: !Please Advise on sensible housing for guy going through divorce!

Gardener wrote:
Sat Apr 07, 2018 7:51 am
She is a pharmacist and would have to get licensed in her former state and find employment (which should not be too difficult).
I thought job opportunities for pharmacists were scarce nowadays. I also agree that she probably can't move the kid across the country without your agreement.
by mouses
Tue Mar 20, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond to internship offer?
Replies: 16
Views: 1337

Re: How to respond to internship offer?

I like mouse's letter aside from starting a sentence with the word "But". :greedy As well as ending a sentence with "that". (Not that it is wrong, just informal given the letter's subject) Oh, Royal Highness, I bow before you. It grieves my humble person to refuse your offer. With extreme regret, A...
by mouses
Tue Mar 20, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond to internship offer?
Replies: 16
Views: 1337

Re: How to respond to internship offer?

I like mouse's letter aside from starting a sentence with the word "But". :greedy https://blog.oxforddictionaries.com/2012/01/05/can-i-start-a-sentence-with-a-conjunction/ "For many of us, our English lessons at school were marked by the stern admonition: ‘Never begin a sentence with a conjunction!...
by mouses
Tue Mar 20, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond to internship offer?
Replies: 16
Views: 1337

Re: How to respond to internship offer?

Dear Professor Framis: Thank you very much for the offer of an internship in X department/reporting to Professor Y/whatever. I am honored to have been considered for this internship. But I have decided that the internship from Company Foo best fits my current professional interests at this time, and...
by mouses
Tue Mar 20, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on Credit Card for $3K Car
Replies: 43
Views: 2490

Re: Cash Advance on Credit Car for $3K Car

There are plenty of cards out there that will give you 12+ months of 0% interest on purchases and/or balance transfers. You do NOT want a rewards card for this as their interest rates will be higher if you do need to go beyond the promo period. My Chase card has a promotion of 0% interest for about...
by mouses
Tue Mar 20, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Supporting a High Withdrawal Rate for Medical Care
Replies: 12
Views: 1021

Re: Supporting a High Withdrawal Rate for Medical Care

What will the remaining spouse live on after these funds are potentially seriously depleted? Spousal Social Security and his pension would remain the same after he’s gone. That total is small but covers basic living expenses. The tough thing would be her future medical. She already has some issues....
by mouses
Tue Mar 20, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 16403

Re: Bought house six months ago - now feeling like we're treading water and can't save money

dm200 wrote:
Sat Mar 17, 2018 4:18 pm
Happy wife, happy life.
:happy
My least favorite expression on these boards. Rewrite it as keep the self centered, not too smart little woman happy, or she'll make your life miserable. How does that sound?
by mouses
Sat Mar 17, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 16403

Re: Bought house six months ago - now feeling like we're treading water and can't save money

You are saving a respectable amount. The 401k and roth count as savings. Is it that you worry about an adequate emergency fund? I didn't see what you have in savings, maybe I missed that. I would dump the personal trainer. There is no reason why your wife can't exercise on her own. She already knows...
by mouses
Sat Mar 17, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 56
Views: 3691

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

This will probably get deleted as political, but I was reading in the nytimes a day or so ago that the Russians have infiltrated US power plants etc, to the point that they can disable them. Not a word in the article about the feds doing anything to root them out or take protective measures. Just in...
by mouses
Sat Mar 17, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 56
Views: 3691

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

Yes, I'm queued up for a natural gas generator. As you can imagine, there is now a long waiting list. Meanwhile I am taking these interim measures. No kids, one pet, and we were huddled around a no venting required small propane heater in the last power outage. Really sucked, so cold. In the summer,...
by mouses
Sat Mar 17, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Terminal illness with small kids
Replies: 63
Views: 10147

Re: Terminal illness with small kids

An awful situation. Besides the babysitting pool, also the meal providing. I would send them a check and not get involved in a big thing of fundraising that might drain her energy. I think if she knows people are going to be there to help with the children and meals, and a significant amount of mone...
by mouses
Sat Mar 17, 2018 1:27 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 56
Views: 3691

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

I'd like to be sure I understand what is dangerous about these units, since I've started stocking up on power backups due to the increasing frequency of multi-day power outages in my area. The kind of device that has no batteries in it until you put them in (I have one that uses several AA or maybe ...
by mouses
Fri Mar 16, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 56
Views: 3691

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

What about Rayovac units? I just forked out for two. Did I waste my money?
by mouses
Fri Mar 16, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 114
Views: 5146

Re: Need for Medicare supplemental plan?

I haven't read all the replies, but I have had regular Medicare and Medigap Plan F for years. Plan F has saved me a bundle. Of course, I have a lot of health stuff that is chronic, so your mileage may differ.
by mouses
Fri Mar 16, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: How does everyone here earn so much?
Replies: 131
Views: 7024

Re: How does everyone here earn so much?

Self selection. People who are likely to be interested in investing and finance are more likely than average to have good incomes. How many years do you have in the workforce? +1. If you are poor and use every penny, there is nothing to invest. :) If you are middle income, like me, you need to accu...