Search found 3354 matches

by mouses
Mon Jul 16, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 47
Views: 2919

Re: Bears!!!

It’s probably the same bear. For now. Are you certain it is illegal to shoot a nuisance animal? Not even with a crossbow or bow & arrow? Bear / human interactions are terrible for the bear, who could teach her offspring to emulate. Having zero legal lethal recourse would be terrible wildlife manage...
by mouses
Mon Jul 16, 2018 4:33 am
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 28
Views: 1520

Re: How much furniture spending is ok?

Whatever will make your wife happy, within reason. Some day I will read bogleheads, and not see any posts that assume women's happiness depends on their husbands spending money on stuff. Every time I see one of these posts, I have a mental picture of a husband breadwinner and a trophy, grasping wif...
by mouses
Sun Jul 15, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 47
Views: 2919

Re: Bears!!!

Do NOT move the garbage can closer to the house.
by mouses
Sun Jul 15, 2018 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Property tax + deductions
Replies: 6
Views: 865

Re: Property tax + deductions

there is a limit of $10k for state and local taxes + property taxes deduction This limit is from the new tax bill, the one that's supposed to save people money. :twisted: Some places have a provision to reduce taxes for seniors, long time residents, etc. In my area it does not amount to much for me...
by mouses
Sat Jul 14, 2018 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Inlaws need $50k loan for new home, hard time finding lenders
Replies: 17
Views: 2268

Re: Inlaws need $50k loan for new home, hard time finding lenders

Credit unions. I was looking into a $30K loan since a large expense came along and otherwise I would have had to go into my IRAs plus tax consequences. (The interest rates were 3% and 3.something% at the two I looked into.)
by mouses
Sat Jul 14, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8244

Re: Amazon won't sell this book to me.

the library workers are paid enough so that they don't have to use food stamps. How much are your library workers paid? Do you know? The Amazon workers involved in e-books are probably paid the same or more as library workers doing the same tasks. If you are comparing your library workers to Amazon...
by mouses
Sat Jul 14, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Moving Tip and Ideas?
Replies: 23
Views: 1320

Re: Moving Tip and Ideas?

The primary mistake I made was not moving some items because I thought it would be cheaper to buy them at the destination, such as a small vacuum cleaner, only to find that the new ones are cheesy compared to the older ones I discarded.
by mouses
Fri Jul 13, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8244

Re: Amazon won't sell this book to me.

Seriously. Amazon has revolutionized retail and driven down prices and you don't think they have created real value? People tend to forget that before Amazon, if you wanted a book you had to go to the library or bookstore to even see what was available on the topic. Searching was clumsy at the libr...
by mouses
Fri Jul 13, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8244

Re: Amazon won't sell this book to me.

Amazon's delivery has been a problem with my last two orders. I am sure delivery quality differs from area to area, but the question would be who was the carrier in your area and if a different carrier would be used by another internet retailer. It's unclear which carrier was involved. In both case...
by mouses
Fri Jul 13, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2421

Re: Logging out 20 acre lot?

That's a lot of wildlife habitat that you'd be destroying by logging. Think of the poor animals.
by mouses
Thu Jul 12, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: Bounced check
Replies: 27
Views: 2675

Re: Bounced check

student wrote:
Thu Jul 12, 2018 9:08 pm
So the check bounced. I found out via an email from the bank today.
If the bank were nice, it would have let you dump money into your checking account to cover the check. In my experience, only credit unions are nice.
by mouses
Thu Jul 12, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 85
Views: 3283

Re: Advice on IT Certification program

but its hard to get past HR/initial resume screenings with self taught skills alone audioaxes, Don't go through the HR. KlangFool But if you are trying to break into a field in which you have minimal contacts, you’ll need to deal with HR. HR is useless. I don't know anyone who has gotten a job by s...
by mouses
Thu Jul 12, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Why is capital one's 18 month CD paying less than their 12 month CD and so on?
Replies: 6
Views: 1170

Re: Why is capital one's 18 month CD paying less than their 12 month CD and so on?

Sometimes I see one of the local credit unions in my area have some sort of special where an apparently random term CD has an unusually high interest rate for awhile. I have no idea why this is.
by mouses
Thu Jul 12, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Buying CDs from Vanguard
Replies: 20
Views: 2465

Re: Buying CDs from Vanguard

I noticed this and it is a bit odd to sometimes wait several days, but you can tell that from the info for the CD. I am not sure why this process is followed? I am also not sure why one cares that the funds in the settlement account are not tied up, if I understand what you are saying, as they are ...
by mouses
Thu Jul 12, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Buying CDs from Vanguard
Replies: 20
Views: 2465

Re: Buying CDs from Vanguard

I used to buy CD's by phone and got an execution within a few hours. I bought on line and now it takes sometimes a few days. I called and checked into this and they said it depends on the issue date, so not to worry. And they are executing over a few days as they said. Just not used to this method....
by mouses
Wed Jul 11, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Thoroughly cleaning grimy tile
Replies: 19
Views: 2041

Re: Thoroughly cleaning grimy tile

Get a stack of Magic Eraser cleaners from Costco. They usually sell them in bulk. They are.....magic. ^^^This REALLY works! Who knew? I do now (just used them to easily and completely clean a couple of ceramic tiles in the bathroom). It's off to Costco (or Walmart) tomorrow to get a gross of them. ...
by mouses
Wed Jul 11, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3122

Re: Masterbath Remodel - Tub or No Tub ?

I don't think I would have a mirror in a tub or shower. Broken glass if one falls into it. I do have a full length mirror in the bathroom, as that's a good time to check all over for anything wrong. In either a shower or a tub, I use a non-slip large size rubbery mat. I hang it up after use on the t...
by mouses
Wed Jul 11, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2042

Re: Neighbor’s Contractor Damaged Adjoining Property

A few years ago the people who once or twice a year mow a vacant lot I own drove several feet into the neighbor's lawn and created ruts. The neighbor came to see me. I said, So sorry! Tell me how to get in contact with your lawn guys and I will have them fix this at my expense. I left several messag...
by mouses
Wed Jul 11, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3122

Re: Masterbath Remodel - Tub or No Tub ?

kaudrey wrote:
Tue Jul 10, 2018 12:59 pm
Wow, I'm the only Boglehead who likes to take baths? :shock:
No. I wouldn't buy a house that didn't have a nice big bathtub.
by mouses
Wed Jul 11, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8244

Re: Amazon won't sell this book to me.

\New data from the Consumer Intelligence Research shows that customers who spend $99 for an annual Prime membership go on to spend an average of $1,300 per year with the retailer, nearly double the amount spent by non-member customers. https://amp.businessinsider.com/images/595ff647f5018457018b4da6...
by mouses
Wed Jul 11, 2018 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Dad asked for my help on pension decision that I do not understand
Replies: 43
Views: 3253

Re: Dad asked for my help on pension decision that I do not understand

Annuities make me nervous, because they depend on the insurance company staying in business, Or is that wrong? Is there some other guarantee?
by mouses
Tue Jul 10, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 56
Views: 3515

Re: Flooring for New House

Is there no picture of what the OP is considering? A spec sheet is not all that useful, to me, anyway.

As an older person, I would never have tile installed. See, hip, skull, teeth, etc.
by mouses
Tue Jul 10, 2018 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3359

Re: Car totaled by uninsured driver

'Scot Free?' (note it is Scot and not Scott. Derives from not having to pay taxes as a Scotsman). False etymology. That particular "scot" in "scot-free" is from a Scandinavian word referring to taxes, not the Latin word referring to the people. https://blog.oxforddictionaries.com/2015/04/15/scot-fr...
by mouses
Mon Jul 09, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8244

Re: Amazon won't sell this book to me.

I think I have a few times hit No Soup for you! non-prime member.
by mouses
Mon Jul 09, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2807

Re: Rodents ate my car, and my insurance is ripping me off!

- Instead of a replacement fuel tank and evap line, they reimburse for a salvage fuel tank and line - They reimburse at 1/3 the dealer labor rate, or about 1/2 an independent shop rate. How do they justify the fractional labor rate payments? I don't know about the salvaged stuff, the policy may spe...
by mouses
Mon Jul 09, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3255

Re: What do you pay for home services?

I rent, clean my apartment myself, and don't have any landscaping. I wonder why these $500 monthly non-deductible costs are never mentioned in Bogleheads comparisons of renting with buying. Victoria Because they are a want not a need. Until you're older. Then try dragging a self-propelled(sic) mowe...
by mouses
Mon Jul 09, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3255

Re: What do you pay for home services?

I did my yard work up to this year, I simply can't now, due to physical restrictions. (I'm not 101 yet, but ask me tomorrow... :( ) I also clean when I can, again, physical restrictions are partof my life, I would love to have a cleaner once, maybe twice a month. I wish I could find a househusband....
by mouses
Mon Jul 09, 2018 5:54 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3255

Re: What do you pay for home services?

I rent, clean my apartment myself, and don't have any landscaping. I wonder why these $500 monthly non-deductible costs are never mentioned in Bogleheads comparisons of renting with buying. Victoria Because they are a want not a need. Until you're older. Then try dragging a self-propelled(sic) mowe...
by mouses
Sun Jul 08, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Mailbox at UPS Store as Primary Address?
Replies: 12
Views: 1382

Re: Mailbox at UPS Store as Primary Address?

I am a fan of the post office, but they are bad at forwarding mail. Some goes into the ether or takes months to arrive.

We used to have a "mail" store locally, but he closed the business and some people were unable to retrieve their mail. I don't know if that got sorted out eventually,
by mouses
Sun Jul 08, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3255

Re: What do you pay for home services?

$40 a week for mowing, edging. They do an excellent job, cut the grass high as I like. I don't have them use blowers due to noise and pollution. I don't have the lawn fertilized as I'm at the water; I overseed with nitrogen-fixing clover, which seems to work fine.
by mouses
Sun Jul 08, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3941

Re: Tipping in a hotel room/cruise ship room

Being a hotel maid is unskilled labor. In a LCOL to MCOL area, $22k/year seems more than reasonable compensation for that type of work. It is fascinating how smart people of good will can have such different views. Since this figure is an average, many maids likely make less than that. Andy. 13 sta...
by mouses
Sun Jul 08, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3941

Re: Tipping in a hotel room/cruise ship room

I don't tip hotel rooms. I've only been on one cruise and at the end I tipped the waitstaff $80 cash and this was because we felt a lot of pressure to tip, but it made me feel bad. It wasn't mandated but we received psychological pressure to tip. I don't want to do that again. It's probably just me...
by mouses
Sun Jul 08, 2018 6:00 am
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 1621

Re: Checkbook balancing software?

I don't understand why this is considered difficult or in need of software for the OP who has normal vision. Reading this thread is like reading a thread by someone who doesn't know how to read an analog clock. I keep a log with entries of: check written and amount and resultant balance. The entry i...
by mouses
Sat Jul 07, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it
Replies: 20
Views: 1979

Re: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it

At risk of kicking a hornet's nest here, but I'd just go the 25 days without health insurance. You won't incur the ACA tax unless you 90+ days without coverage (if I recall correctly). And the odds of something terrible happening in a given 25 day period are virtually zero - just don't do anything ...
by mouses
Sat Jul 07, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2499

Re: Having first child - Life Insurance question

Don’t buy whole. It’s a ripoff. Buy term to get you through the mortgage and raising kids. Don’t buy through any of the big companies (State Farm, All State, etc). Buy using a broker from SelectQuote or Term4Sale. I was in your exact same situation at the same age and bought my wife and I each 20-y...
by mouses
Fri Jul 06, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5286

Re: Rodents ate my car!

mouses wrote:
Fri Jul 06, 2018 12:38 pm
LadyGeek wrote:
Wed Jul 04, 2018 12:52 pm
The mouse nest was also filled with cloth from various rags left in the garage.
They really are kind of inventive with nest material. A lot of work goes into building one of those nests.
I forgot, they nibbled off a finger from a pair of mittens I had left in the car :-)
by mouses
Fri Jul 06, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5286

Re: Rodents ate my car!

LadyGeek wrote:
Wed Jul 04, 2018 12:52 pm
The mouse nest was also filled with cloth from various rags left in the garage.
They really are kind of inventive with nest material. A lot of work goes into building one of those nests.
by mouses
Fri Jul 06, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Cane Toad Hell: Any Remedies?
Replies: 21
Views: 1770

Re: Cane Toad Hell: Any Remedies?

How good are you with a bb gun? Seriously. I have been considering this (Final) solution, but I would also have to get night vision goggles. Even then, I'm not sure where the heck the toad is. There is a lot of bush in and around my neighbor's house. Do you have a suggestion for a proper bb gun or ...
by mouses
Fri Jul 06, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Multi-unit garbage woes..
Replies: 20
Views: 1478

Re: Multi-unit garbage woes..

I'm involved with a historic cemetery and people dump trash in general but often landscaping debris, then it costs the cemetery to remove it. There is no electrical source near the entryway to run a camera and no money to build a gate that could be locked at night across the wide entryway. We don't ...
by mouses
Fri Jul 06, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Cane Toad Hell: Any Remedies?
Replies: 21
Views: 1770

Re: Cane Toad Hell: Any Remedies?

How loud is this? Do they do it all night? I think I could get used to this, thinking of it as sharing the planet. It's not like they're driving up and down the road squashing humans. If it's a mating call, the season is probably brief.

https://www.youtube.com/watch?v=Lw6pn7Bhv-M
by mouses
Fri Jul 06, 2018 1:06 am
Forum: Personal Consumer Issues
Topic: What to add to the baby registry?
Replies: 20
Views: 1213

Re: What to add to the baby registry?

mega317 wrote:
Wed Jul 04, 2018 12:01 pm
Don't get a high chair with any fabric on it. All plastic are easy to clean.
Avoid plastic where possible. Start the kid out right early in terms of helping the environment. Or as they say, plastic is the new fur.
by mouses
Fri Jul 06, 2018 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Revocable Living Trusts-Homeowners-Umbrella Insurance
Replies: 10
Views: 1680

Re: Revocable Living Trusts-Homeowners-Umbrella Insurance

Can someone explain this topic? Homeowner owns a home that is placed in a revocable living trust. What is the requested modification to the homeowners policy? Why? Umbrella policyholder has a revocable living trust. What is the requested modification to the umbrella policy? Why? Sorry. It’s just no...
by mouses
Thu Jul 05, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Revocable Living Trusts-Homeowners-Umbrella Insurance
Replies: 10
Views: 1680

Re: Revocable Living Trusts-Homeowners-Umbrella Insurance

I contacted Amica about something else today and asked them again about the umbrella policy. They assured me it protects the trust. I saved the chat transcript.

I am still sweating that all these years I should have had the trust on the homeowners, auto, and possibly flood and did not.
by mouses
Thu Jul 05, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4024

Re: Is there a current car without a console between the front seats?

After 5 minutes of riding in the car, if you leave them alone, they go to sleep anyways. You have never met my cat or previous cats. They live in terror in the car. One used to pant like she couldn't breathe. Can't you put the stuff in the trunk? (1) Throw stuff in the passenger's seat, 3-5 seconds...
by mouses
Thu Jul 05, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4024

Re: Is there a current car without a console between the front seats?

barnaclebob wrote:
Thu Jul 05, 2018 10:31 am
How often does this cat have to go to the vet? Is it really that big of an issue to put it in the passenger seat using the passenger door and then walk around to the driver door?
It's not just the cat. I am always putting stuff in the passenger's seat
by mouses
Thu Jul 05, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4024

Re: Is there a current car without a console between the front seats?

I despise the new cars I've ridden in. In particular the giant consoles between the front seats and which seem nonremovable since they seem to provide function. I don’t like the everything jammed in feeling of that area either as opposed to the roomy feeling of my current ancient car, but I guess I...
by mouses
Thu Jul 05, 2018 6:25 am
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 6492

Re: Walking Coast-to-Coast

Very interesting. Did you get to see interesting places, or was it about the walking? What did you do about shoes?
by mouses
Thu Jul 05, 2018 6:16 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4024

Re: Is there a current car without a console between the front seats?

I suppose there may be some with separate seats and no console, but I'm having a hard time picturing how that would work (depending on what you consider a console). I have a second car with bucket seats and no console. It actually works quite well, as nothing is obstructing in the center. Both of t...
by mouses
Thu Jul 05, 2018 6:12 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4024

Re: Is there a current car without a console between the front seats?

I see a few but they are all SUV's/trucks. Will it be more burdensome physically to open the front passenger door and place the carrier there and to go then seat yourself? It's probably less difficult then getting on your knees to scoop up cat litter and I assume you do that. Space is tight in the ...
by mouses
Thu Jul 05, 2018 2:02 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4024

Is there a current car without a console between the front seats?

Despite my reluctance to do so, I'm about to shop for a new car. I don't want an SUV or anything like that, just a car for me, grocery shopping and errands in general, driving several hundred miles a month including one 150 mile trip, taking the cat to the vet, etc. I prefer a hybrid, but that's not...