Search found 3595 matches

by mouses
Sun Sep 23, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 61
Views: 3193

Re: Emotional Investor - I'm a mess and need help!

I’m not exactly sure what to tell you, if you had been saving 300k a year in a simple 3 fund over the past decade you would already have 6-7 million. Now you said you won’t do this, so maybe others would be able to offer better psychological support or advice. I also am not sure what is going on. A...
by mouses
Sun Sep 23, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: squeaky lock and hard to turn key
Replies: 12
Views: 610

Re: squeaky lock and hard to turn key

I had tried the rubbing the key with a pencil trick and it hadn't made much difference. But when I tried it again later, so far it seems to now work normally.

Thanks everyone.
by mouses
Sun Sep 23, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: squeaky lock and hard to turn key
Replies: 12
Views: 610

Re: squeaky lock and hard to turn key

The lock just needs lubricating. Do not use oil or WD40. These oils with eventually pick up dust and become a thick grease that will gum up the lock. There are special graphite based lubricants made especially for locks. A trip to the hardware store and a few dollars should solve the problem. I rec...
by mouses
Sun Sep 23, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: squeaky lock and hard to turn key
Replies: 12
Views: 610

squeaky lock and hard to turn key

Painters just finished working on my house and (Thank God) are gone forever. One of the fun items they did yesterday was wash with a hose a wall that they had gotten debris on when they power washed the deck shortly after painting the house (gak.) They neglected to realize that the storm door glass ...
by mouses
Sun Sep 23, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3309

Re: How to get rid of rabbits

If you're going to trap them, why release them? Just eat 'em. Would you trap a chicken and relocate it? https://www.thedailymeal.com/healthy-eating/rabbit-good-you-here-are-9-best-ways-cook-it They are cute and fluffy. So are moose. I eat those too. Bullwinkle? :shock: I figure that unless you're a...
by mouses
Sun Sep 23, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3309

Re: How to get rid of rabbits

I would shoot them but not with lead bullets. I have a squirrel problem and use a pellet gun to control the population. I switched to copper pellets after I read that birds of prey often die from lead poisoning. I would definitely eat them (but I leave the squirrels in the yard and they are always ...
by mouses
Sat Sep 22, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3309

Re: How to get rid of rabbits

Trapping works very well. Trap and relocate. Relocating wildlife is illegal in my area. It's cruel as well. Most animals are territorial, and dumping an animal in the middle of another's territory is going to lead to fights generally to the death. I have rabbits in my yard. They have no noticeable ...
by mouses
Sat Sep 22, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's Estate: Can you help please?
Replies: 44
Views: 1925

Re: Mom's Estate: Can you help please?

I am sorry about your Dad. I would not put your Mom's $1.3 million in the stock market. You can build a CD ladder at credit unions, staying under the federal insurance limit in each. In my area credit unions are offering 3% for 2 year CDs. That's $39,000 more a year. Early withdrawal penalties (veri...
by mouses
Sat Sep 22, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 130
Views: 7069

Re: Physical Banking - Any benefits anymore?

Well, leseeee 1. They have free lollipops at the counter. 2. If you ask, they will give me a free ball point pen, no need to steal it. 3. If I tire while out for a walk on a hot day I can go inside the lobby and sit in the A/C. 4. Not as good as the mall, but can sit on the bench outside and people...
by mouses
Sat Sep 22, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 8618

Re: What to wear for job interview - skip the tie?

I am not in this field, and call me "old school", but why would anyone ever hold it against an interviewee for taking the time and effort for "dressing up", showing that they take a job seriously enough to dress well? It signals cluelessness about the culture. No one wears a suit and tie at 3am try...
by mouses
Sat Sep 22, 2018 6:22 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 8618

Re: What to wear for job interview - skip the tie?

Smaller company or a start-up? Gets more complicated. I'll offer the dissenting view that it is possible to overdress for an interview and create a concern that you won't fit into the company culture. I don't know what would have happened at any of the (software engineering) places I worked over de...
by mouses
Fri Sep 21, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone — Please Critique This Plan
Replies: 96
Views: 4111

Re: My Very First Smartphone — Please Critique This Plan

I had Consumer Cellular several years ago but gave up on it. They only support actual AT&T cell towers for data. Some parts of the US have partners that AT&T roams to but with CC, you get only voice coverage, not data. I have Consumer Cellular based on AT&T (they have Tmobile as an option.) I use m...
by mouses
Thu Sep 20, 2018 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Kid's school brought in Wells Fargo to teach them financial literacy today.
Replies: 26
Views: 1956

Re: Kid's school brought in Wells Fargo to teach them financial literacy today.

That is pretty shocking. But considering the state of financial literacy among adults in general I guess we shouldn’t be surprised. Unless they had credit card sign ups for the kids right after the talk, what is the issue people have? Was any of the info remotely controversial? Or is this just a sh...
by mouses
Thu Sep 20, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7467

Re: Hubby soon to be laid off

travelnut11 wrote:
Thu Sep 20, 2018 10:30 pm
Why haven't you been renting out the second unit? $1600/mo would make a huge difference in your situation.
Privacy and procrastination, I suspect, OP be very, very careful who you rent to. A bad tenant can be a financial nightmare and very difficult to get evicted.
by mouses
Thu Sep 20, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3262

Re: Dental work and hypertension issue

Local anesthesia may contain substances that raise your heart rate and blood pressure (epinephrine?) and if you're already above a threshold BP limit, it may put you at risk of a heart attack. Sometimes, beginners (students) may have to inject local anesthesia a few times to get it right -- it isn'...
by mouses
Thu Sep 20, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Puerto Rico as legal tax Haven?
Replies: 20
Views: 3504

Re: Puerto Rico as legal tax Haven?

I thought Roths got taxed nowhere...
by mouses
Thu Sep 20, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3262

Re: Dental work and hypertension issue

Local anesthesia may contain substances that raise your heart rate and blood pressure (epinephrine?) and if you're already above a threshold BP limit, it may put you at risk of a heart attack. Sometimes, beginners (students) may have to inject local anesthesia a few times to get it right -- it isn'...
by mouses
Thu Sep 20, 2018 5:49 am
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 34
Views: 2958

Re: Anyone hire an interior designer?

DW is a designer and I was a builder so it works out great for our own homes. However, I've done countless projects over the decades where owners did not use an interior designer, architect, or consultant. The difference in end result between those with "no taste" and no outside advice, and those w...
by mouses
Thu Sep 20, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3262

Re: Dental work and hypertension issue

I already paid for the initial screening and x-rays. I wonder if I can get possession of the x-rays? I always get a copy of any x-rays and test results. That avoids the hassle of waiting for one office to send them to another or even losing them. The imaging stuff used to come on CDs, now it is usu...
by mouses
Thu Sep 20, 2018 5:36 am
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3262

Re: Dental work and hypertension issue

If they expect 120/80 in the clinic, they will have either an empty clinic or young people in great shape. Tim +1 I was thinking that the average age of their patients must be 11 ! I've never had my blood pressure taken in a regular dentist's office but it is taken every visit at a dental school fa...
by mouses
Wed Sep 19, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 20
Views: 2054

Re: Home away from home

I'm thinking maybe get an apartment if the company would fork out for that? 1/4 of his life is a lot of time to spend in a hotel. Or he might make an arrangement with the extended stay hotel to leave some clothes, etc., there, have them cleaned, to minimize what he has to carry back and forth. (Alre...
by mouses
Wed Sep 19, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Dad Died - Handling Mom's Finances
Replies: 17
Views: 2307

Re: Dad Died - Handling Mom's Finances

I am sorry about your Dad. My sympathies to you and your Mom.
by mouses
Tue Sep 18, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 5797

Re: Chase Bank is the Devil

If you want to be treated nicely, "bank" with a local credit union, preferably a small one. (All the ones I have accounts at belong to a network of cus so that you can use ATMs nationwide and do transactions at branches of other cus in that network.)
by mouses
Tue Sep 18, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 58
Views: 5404

Re: I see now why Rollovers can take FOREVER ....

I was trying to help my cousin roll over a CD IRA from Wells Fargo about 4 years ago. I have some IRA CDs in credit unions. Are you saying that getting these money back to Vanguard would be a problem? Victoria Possibly. I had some IRA CDs at a small credit union and initiated a trustee to trustee t...
by mouses
Tue Sep 18, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5123

Re: 38% pay cut for dream job?

OP, leap on this job. I never regretted taking taking a more interesting job for less money.
by mouses
Tue Sep 18, 2018 6:11 am
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2528

Re: How can I buy ALIBABA and TENCENT stock?

Note that Alibaba sells shark fins. These are cut off the sharks while they are alive and then the animals are thrown back into the water.
by mouses
Tue Sep 18, 2018 3:01 am
Forum: Personal Finance (Not Investing)
Topic: Insurance asking to repay for services not provided
Replies: 20
Views: 2228

Re: Insurance asking to repay for services not provided

I am not a lawyer nor a dentist, but I would not pay the insurance company. I would write a detailed letter to the insurance company, ccing it to the dentist and the state dental board (the latter will likely not do any good, since I can tell you from experience that state medical boards do not get ...
by mouses
Mon Sep 17, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2441

Re: Solar Install w/ SolarCity

Interesting analysis. As others have mentioned, that is too long of a break-even to interest me. Here in Arizona, solar sounds great, but there is quite a penalty from the electric company (fees) for going with solar. We looked into it, but our relatively low use of AC would make the payoff even lo...
by mouses
Sun Sep 16, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: How to start a website?
Replies: 12
Views: 1243

Re: How to start a website?

It's been years, but I registered one at GoDaddy and my hazy recollection is they hosted it. A word about creating the website. A lot of websites nowadays seem to be designed for smartphones and look wretched on laptops or pcs. They also have pale small type. (This why chrome has a builtin darkening...
by mouses
Sun Sep 16, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1309

Re: Embarking on a large-scale home update

I'll have to come back later and read the whole thread, but this sounds great. I am a little nervous about your not having a known good general contractor. At least one bathtub. Many people including me would not buy a house without a bathtub. I am in the middle of a "small" project and I am going c...
by mouses
Sun Sep 16, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 151
Views: 10794

Re: Considering Quitting Job - Seeking Advice. Would you do it?

OP, it is not being a quiter to not let a company take advantage of you. It is, sorry to be blunt, foolish to let the company do so.
by mouses
Sat Sep 15, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 151
Views: 10794

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I had a job like that for a year. Our manager was always promising to hire more staff and never did. I looked, found a better job, and happily left. The only reason I stayed for a year instead of six months is the company had paid major bucks for my moving expenses, temp housing, and I would have ha...
by mouses
Sat Sep 15, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4168

Re: I need a chainsaw to trim branches and limbs!!

Electric chain saws do not have the power as a gas chain saw. Are good for up to 5 inches dia branches. Then when I tried to use my 2 cycle gas chain saw 2 years ago the carburetor was all gummed up (gas and oil mixture), and a new carburetor would have cost as much as a new chain saw. Whenever you...
by mouses
Sat Sep 15, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 2865

Re: HOA Donation in Remembrance of Deceased Owner

I would suggest they send a nice card.

My first impression was, heck, flowers, do it, but I can see "charities" I would not want my money going to support.

I don't think board members should be treated differently from other members.
by mouses
Sat Sep 15, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Mom has retired and I need to help
Replies: 12
Views: 2105

Re: Mom has retired and I need to help

Just as a side comment, depending on you Mom's income tax bracket, she might look at doing conversions from her Traditional IRA to Roths a bit each year, not enough to raise her taxes significantly. That didn't dawn on me until I wasted a few years when I could have done conversions for low tax hits.
by mouses
Sat Sep 15, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 173
Views: 9027

Re: How real is cyber risk?

Also, Vanguard offers Voice Verification for transacting business over the phone. I would encourage everyone to go through the process of establishing the voice print. Why? Because if you don't someone else pretending to be you could. If the impostor has the correct answers to any questions the Van...
by mouses
Sat Sep 15, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6484

Re: Hurricane Florence - survival guide

I just thought I'd be a downer here, and post that apparently the major problem with Florence is the giant amount of rain, almost unbelievable, like 2 feet in places, due to the warmer atmosphere holding more water until it doesn't. I remember reading that one of the southwest(?) storms, was it Harv...
by mouses
Sat Sep 15, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Critical Account
Replies: 20
Views: 2438

Re: Critical Account

I would leave it in the credit union account so that she has immediate access to it without any hassle. The minor amount of additional money it would earn in the Vanguard fund is not worth the stress on her when she is also dealing with your passing. I would also make it $10,000, as you are consider...
by mouses
Fri Sep 14, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: New Light bulbs
Replies: 19
Views: 1754

Re: New Light bulbs

Another vote for 2700.

I avoid Phillips ever since I bought some incandescents and every one broke at the base when they burned out and I removed them.

I am not a fan of LEDs.

I most recently bought CFL Sylvanias from lightbulbs.com.
by mouses
Fri Sep 14, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Andrews Fed Credit Union CD opened 2/17 for 3% for 7yrs
Replies: 4
Views: 511

Re: Andrews Fed Credit Union CD opened 2/17 for 3% for 7yrs

Why would you guarantee yourself a lower rate for the next 2 years. I am not understanding what you are doing.
by mouses
Fri Sep 14, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Any options after house fire?
Replies: 4
Views: 454

Re: Any options after house fire?

Are you asking if you are required to rebuild the house? You aren't required to do that, but your insurance settlement will likely be less than if you did rebuild. In other words, under most insurance policies, the insurance company is only required to pay you the full replacement cost of the house...
by mouses
Thu Sep 13, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 140
Views: 17936

Re: Vanguard - You'll need to sign up for security codes soon

I don't have a phone (recently retired with no cell or landline nor any intention of obtaining one anytime soon). The majority of my investments are with Vanguard. I have an iPad I use to text and email, but apparently Vanguard is insisting upon a telephone number. Am I going to have to quit Vangua...
by mouses
Thu Sep 13, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4168

Re: I need a chainsaw to trim branches and limbs!!

Also, if you're just trimming branches and limbs, a chainsaw is probably overkill. Especially if it involves climbing and being on a ladder and all... don't do that as an amateur. A pruning saw is probably all you need.... and quite a bit safer. Agreed. I think a battery powered reciprocating saw (...
by mouses
Thu Sep 13, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Pet insurance
Replies: 31
Views: 2738

Re: Pet insurance

I've spent into the five figures for two pets with chronic problems. I do not have pet insurance. There is not the million dollar risk that human medical conditions can involve, and it's bad enough struggling with insurance companies about my own care, delays of procedures waiting for approvals, etc...
by mouses
Thu Sep 13, 2018 2:20 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2491

Re: Anyone into Essential Oils?

I wouldn't recommend them at all. Since you're asking about more affordable, buy some Febreeze air freshener instead. If she has allergies, Febreze could be a major irritant. It feels like it makes my entire head seize up. If she like essential oils, why not buy them. Unless $55 a month is going to...
by mouses
Thu Sep 13, 2018 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Laid Off, Considering Multiple Options - Which Would You Recommend?
Replies: 39
Views: 5348

Re: Laid Off, Considering Multiple Options - Which Would You Recommend?

One of my brothers does extremely well as an independent consultant. A friend laid of by a Megacorp now makes more money as a contractor working for them, even including having to pay for benefits they previously paid, than she did working for them directly. I was not expecting this situation to las...
by mouses
Wed Sep 12, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6484

Re: Hurricane Florence - survival guide

I do need power to survive in the depths of summer. I would not last long with no AC with temps in the nineties. Perhaps that is age dependent. In winter one could burn wood or etc., if you don't have asthma, which both the cat and I do, although I have the idea there are wood or whatever burning st...
by mouses
Wed Sep 12, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6484

Re: Hurricane Florence - survival guide

FWIW - after hurricane Sandy much of the natural gas lines were either down or tainted with water for a week or more. We can run dual fuel but typically stay with gasoline as it is within our control and easily planned. Ugh. And here I was thinking I had power loss covered. The problem with gasolin...
by mouses
Tue Sep 11, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9642

Re: [New Vanguard website layout starting Saturday, August 11]

I miss the red type on yellow background. That used to be really easy to read.

Every day it seems another website gets wrecked,
by mouses
Tue Sep 11, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6484

Re: Hurricane Florence - survival guide

They then proceeded to start their generator and attempted to turn on every appliance in the house destroying their generator. What? How is this possible? I am forking out for a Generac natural gas automatic generator scheduled to be installed in a couple of months, due to the queue. My understandi...