Search found 3835 matches

by mouses
Fri Jan 18, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: IRS and fed shutdown and balance due
Replies: 8
Views: 1340

Re: IRS and fed shutdown and balance due

Pay it to stop interest accumulating, and sort things out later, when there may be a partial refund. I was a replacement executor for a previous executor who, because of alcoholism, messed things up including not filing tax returns. The IRS charged interest but waived the penalties. I wonder if anyo...
by mouses
Sat Jan 12, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 25
Views: 2072

Re: Discounted Postage Stamps

I bought A LOT of stamps from the USPS via their ebay page, and after awhile I realized they were no longer adhering to the envelopes. I got some letters returned for no postage, etc. I took the remaining stamps into the local post office thinking I could get replacements or a refund, and was told t...
by mouses
Tue Dec 25, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Phone spam text messages
Replies: 7
Views: 799

Re: Phone spam text messages

RickBoglehead wrote:
Tue Dec 25, 2018 11:07 am
mouses wrote:
Tue Dec 25, 2018 10:53 am
I had the text feature taken off my phone. Anyone who wants to reach me can email or phone.
You might find that's a negative if you use 2FA on accounts...
No, I use email or the phone for those.
by mouses
Tue Dec 25, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Phone spam text messages
Replies: 7
Views: 799

Re: Phone spam text messages

I had the text feature taken off my phone. Anyone who wants to reach me can email or phone.
by mouses
Mon Dec 24, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Never filed 8606 and have rollover question
Replies: 9
Views: 1078

Re: Never filed 8606 and have rollover question

Didn't this stuff earn any interest, etc.?
by mouses
Mon Dec 24, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Buying house - Advice requested
Replies: 39
Views: 3960

Re: Buying house - Advice requested

Get a good home inspector (there are lousy ones out there) and make the buy contingent on your being okay with his or her report. Watch out for problems like noisy neighbors, ones who smoke and the smoke gets into your unit, being near a heavily trafficed road or train tracks, airport, future plans ...
by mouses
Mon Dec 24, 2018 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Sending check by FED EX to Vanguard
Replies: 16
Views: 1418

Re: Sending check by FED EX to Vanguard

Carol88888 wrote:
Mon Dec 24, 2018 2:45 am
I am really impressed with Vanguard. I opted to send in a check from NYC to Vanguard by regular mail on Wednesday, the 19th, (after mail had been picked up) and I see tonight, Sunday, that the check is already posted to my account. Hurray!
You should be thanking the postal service.
by mouses
Mon Dec 24, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: Burned Popcorn Smell - how to eliminate? products recommended?
Replies: 15
Views: 1682

Re: Burned Popcorn Smell - how to eliminate? products recommended?

Try Febreze, both the spray and the auto air freshener product, it was a product specifically designed to remove odors before they added the scent to it for better marketing. Ugh. Enterprise uses this in its cars in my area. The whole car reeks and so does the driver and his or her clothes and hair...
by mouses
Sun Dec 23, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Scissor recommendation
Replies: 11
Views: 1345

Re: Scissor recommendation

Fiskars or Gingher’s http://www.gingher.us/ My family has used the latter for a couple of generations.
by mouses
Sun Dec 23, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: End of Year IRA Withdrawal
Replies: 11
Views: 503

Re: End of Year IRA Withdrawl

Since the OP is taking money out of an IRA, there may be some additional paperwork.

OP, are you Required Minimum Distribution age? You know there are some penalties in some cases on taking money out of IRAs? Tax implications?
by mouses
Sat Dec 22, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Colleges - Investment Worth It
Replies: 67
Views: 2575

Re: Expensive Colleges - Investment Worth It

Why does the opinion of a teenager have much weight on going to an expensive school? There is something wrong in this society and is creating a generation of entitled spoiled brats. As much as I wouldn't take the opinion from a 6 year old to feed him oreos and ice cream for dinner, I wouldn't rely ...
by mouses
Sat Dec 22, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: online job
Replies: 9
Views: 935

Re: online job

Some insurance companies have 24/7 nurse lines for their customers. I don't know if the nurses work at a centralized location or if this can be done from home. I have used one, but I forget if it is AARP Medigap or AARP Plan D. I think there are other customer service things whose employees work fro...
by mouses
Sat Dec 22, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bank offered free interest rate reduction
Replies: 24
Views: 1793

Re: Bank offered free interest rate reduction

So I have a few mortgages, for rental property and my personal home. A few days ago I decided to start making some principal payments on my home. Since this must be done through the banks website (I normally just send a check), I decided to do a "test" principal only payment of $100, just to see ho...
by mouses
Sat Dec 22, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Colleges - Investment Worth It
Replies: 67
Views: 2575

Re: Expensive Colleges - Investment Worth It

Why does the opinion of a teenager have much weight on going to an expensive school? There is something wrong in this society and is creating a generation of entitled spoiled brats. As much as I wouldn't take the opinion from a 6 year old to feed him oreos and ice cream for dinner, I wouldn't rely ...
by mouses
Sat Dec 22, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Colleges - Investment Worth It
Replies: 67
Views: 2575

Re: Expensive Colleges - Investment Worth It

But "salary" isn't the only metric that matters. There are many of us (here on BH, here among our colleagues, in our community, etc.) who care far, far more about doing something we care about, which involved getting very special jobs, or perhaps, regular jobs at special places. We didn't go after ...
by mouses
Sat Dec 22, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Colleges - Investment Worth It
Replies: 67
Views: 2575

Re: Expensive Colleges - Investment Worth It

I think a top college is definitely worth it. It was in my long ago day when it gave me instant credibility, which I would not have otherwise had, as a female in a scientific field. However, I got scholarships so the enormous debt burden was not there. I would let her apply and see if she gets admit...
by mouses
Sat Dec 22, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Having minor panic about finances with second child, best way to budget?
Replies: 54
Views: 3046

Re: Having minor panic about finances with second child, best way to budget?

Keep in mind that the value of the ESPP can go to zero at any time.

Take a look at religious preschools, even if you are of a slightly different religion.
by mouses
Sat Dec 22, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on Chase Credit Card -- Chase unresponsive
Replies: 19
Views: 3530

Re: Fraudulent charges on Chase Credit Card -- Chase unresponsive

I don't want to jinx things, but CapitalOne has always deal with fraud promptly on my personal credit card. The only problem I had recently was I bought something via amazon from a third party that arrived broken and it took weeks to get a refund. It was like pulling teeth to get amazon to do anythi...
by mouses
Sat Dec 22, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9763

Re: When did the musicians on the titanic realize their fate?

I try to sound calm. My portfolio is 50/50 and s down. I am a bit scared as I justretired. However, Ifeel that selling or big alterations are a bad idea. Gritting my teeth, hoping to stay the course. My spending will be carefully evaluated in the future. Yes, it's not like I'm out buying jewelry et...
by mouses
Fri Dec 21, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9763

Re: When did the musicians on the titanic realize their fate?

ofcmetz wrote:
Fri Dec 21, 2018 6:08 pm
I think the musicians on the Titanic knew their fate long before they drowned. They went down doing what they loved, and did they really have any other option? It’s more fun to go down with some music and a drink anyway. :sharebeer
+1
by mouses
Fri Dec 21, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Involuntary retirement - stories and strategies?
Replies: 32
Views: 3599

Re: Involuntary retirement - stories and strategies?

I got laid off in my fifties. It's all well and good to talk about staying current, but in general in my field you won't even get an interview after a certain age. Save a bunch if money, and find something useful to do with the rest of your life, whether you get paid for it or not. Finding something...
by mouses
Fri Dec 21, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: brick-and-mortar vs online bank
Replies: 50
Views: 2631

Re: brick-and-mortar vs online bank

Hi folks, I've used a big national bank for decades for checking and savings. I also have an online bank, where I keep CDs. To avoid fees, I have to keep $10k in brick bank savings account for a measly .03% interest return. The online bank savings account has 2% yield. So, essentially, I'm losing $...
by mouses
Thu Dec 20, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff planning
Replies: 11
Views: 1883

Re: Layoff planning

gotester2000 wrote:
Thu Dec 20, 2018 12:14 pm
What is the purpose of the second residence? If you sell it, will it clear all your debts and provide for college? 2.4M and a paid off house is a comfortable position then.
+1 You have a lot of debt. I would reduce it this way.
by mouses
Thu Dec 20, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: USAA apology letter?
Replies: 42
Views: 6084

Re: USAA apology letter?

On all the disclosures and questions before you get down to business, you can thank the federal and state governments for that pleasure. The feds and each individual state have their own requirements that change all the time. There are people in the financial and insurance industries that their onl...
by mouses
Wed Dec 19, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Plan G vs. Plan F
Replies: 5
Views: 698

Re: Plan G vs. Plan F

So I talked to AARP, whose plan F I have now, and they said to switch to Plan G I would have to go through medical underwriting. So, not so simple.
by mouses
Wed Dec 19, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Plan G vs. Plan F
Replies: 5
Views: 698

Plan G vs. Plan F

I have been vaguely aware of the Medigap Plan G vs. Plan F question, but not paid much attention to it.

I am wondering if I am overlooking something. Is there any reason why I would NOT want to switch? Switching looks like a no-brainer, but I wonder if there is a catch somewhere?

Thank you.
by mouses
Wed Dec 19, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 55
Views: 10882

Re: My son was scammed on Craigslist- how to get money back

One thing to always remember, if its too good to be true, it probably is. Doesn't always hold up. In OP's case, they could have been charging a fair amount for rent, which makes it look slightly more legit. Either way, my guess is it was less than $2k...so not the end of the world. And like others ...
by mouses
Wed Dec 19, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Kitchen refresh/remodel ideas
Replies: 36
Views: 2449

Re: Kitchen refresh/remodel ideas

Clean thoroughly, reorganize and get rid of useless stuff, paint the walls. I do not understand this "dated" stuff causing people to spend money that is better saved or spent on something that is really needed. A house is not a fashion item. Keeping up with the Jones is, well, silly and a waste of m...
by mouses
Wed Dec 19, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 2689

Re: Tips for a cold bedroom above a garage?

The garage ceiling serves as a fire break and to keep various garage fumes (e.g. CO, gasoline) out of the bedroom. I would be inclined to make sure it is dry walled and any holes fully sealed with a proper mudded patch. I may not sand the patches. Yah, I have read twice, I think, of people in a hou...
by mouses
Wed Dec 19, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: 2018 form 1040 released
Replies: 26
Views: 3494

Re: 2018 form 1040 released

Does anyone know why the IRS took the 2017 Form 1040 and chopped it up into a shorter Form 1040 and six Schedules for 2018? Was there something in the 2017 tax bill that mandated the revised forms? Or is the IRS just trying to make things more complicated, especially for tax software providers and ...
by mouses
Wed Dec 19, 2018 2:11 am
Forum: Personal Consumer Issues
Topic: Buyer's Remorse on purchasing a Mercedes
Replies: 82
Views: 6817

Re: Buyer's Remorse on purchasing a Mercedes

If your parents themselves subjectively perceive that they are struggling financially, and getting rid of the car would take the boot off their neck and that's how they would view it, then get rid of the car. But if your dad feels good about fixing you up with a Mercedes and he's fine with the arra...
by mouses
Wed Dec 19, 2018 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Small Claims - Auto Dealer Claims No $$ To Pay Judgement
Replies: 40
Views: 3029

Re: Small Claims - Auto Dealer Claims No $$ To Pay Judgement

The dealer is a criminal, so stay as uninvolved with him as possible. Have the sheriff handle this. Once you have your money, I think the car should be junked. It seems clearly unsafe for anyone to drive. I think also the appropriate licensing agencies should be made aware of his practices.
by mouses
Tue Dec 18, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 2689

Re: Tips for a cold bedroom above a garage?

I was happy to move after the contracted year (after six months of which my contracted apartment mate skipped out to live with his new paralegal girlfriend, then initiated proceedings to sue me when I paid the whole amount of the rent each remaining month). PJW I'm not following this. I would think...
by mouses
Tue Dec 18, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 5948

Re: Is Liquid Plumber / Draino bad for the pipes?

I had a new septic system installed and I was talking to the engineer about how to deal with it. I asked about my every few months use of half a cup of bleach and he thought it was hilarious that I though half a cup of bleach would disrupt the system. Having seen the size of the tank when they insta...
by mouses
Tue Dec 18, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5883

Re: Kid schooling - not learning much academically. Looking for suggestions.

I haven't read all the replies. I would ask to have him skip a grade. That's what I did and presto I was in a grade where I actually had to work to learn things. I think the socialization concern is not really valid. I suspect kids vary by a year or two anyway. Much simpler than the work involved in...
by mouses
Tue Dec 18, 2018 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Real experiences of someone who did not have Medigap policy?
Replies: 21
Views: 2298

Re: Real experiences of someone who did not have Medigap policy?

Some "experimental or disallowed treatments" costs $50K or $100K and no insurance or Medicare will cover it. So the person getting the treatment cashes in his/her retirement fund or sells the house or takes out a big loan....... Can you get private insurance policies that do cover such treatments? ...
by mouses
Tue Dec 18, 2018 12:42 am
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 5948

Re: Is Liquid Plumber / Draino bad for the pipes?

I run very hot water into the drain for a few minutes. Then I dump in half to one cup of bleach and let it sit overnight. (Keep the door closed to avoid fumes.) Then I flush the drain with hot water. Have you seen what bleach does to fabric if you pour it directly on it? Hair doesn't stand a chance.
by mouses
Mon Dec 17, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8170

Re: When has being frugal or cheating out bit you in the rear?

Bought car. Drove it around. Ignored oil light. Destroyed engine. $3000 engine replacement. I fail to see where this is being frugal or cheap.......just not very smart I mean, I had heard of oil changes, but I figured they were only to optimize efficiency or something and that I could get by withou...
by mouses
Mon Dec 17, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Gmail Won't Load in Chrome
Replies: 7
Views: 730

Re: Gmail Won't Load in Chrome

If it says something like corrupted content, try control shift r.
by mouses
Mon Dec 17, 2018 1:32 am
Forum: Investing - Help with Personal Investments
Topic: What is a good very safe Vanguard fund?
Replies: 17
Views: 2402

Re: What is a good very safe Vanguard fund?

The only safer thing (and it is debatable) would be an FDIC insured CD or savings account at a well-capitalized national bank. OR a local credit union. Generally Credit Unions are good and they are covered by NCUA, but there a lot of pretty weak one's financially. If safety and access where truly t...
by mouses
Sun Dec 16, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Has anyone used Heal? [Doctor housecall app]
Replies: 14
Views: 1139

Re: Has anyone used Heal? [Doctor housecall app]

staythecourse wrote:
Sat Dec 15, 2018 8:47 pm
Also, there is an urgent care office around every block so are you so sick you can't get up and walk around the corner?
Nowhere near true in my area. 20 miles apart and very limited hours on Saturday none on Sunday.

An insurance nurse line 24/7 can be of some help.
by mouses
Sun Dec 16, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Holiday Card [from Vanguard]
Replies: 29
Views: 3085

Re: Holiday Card [from Vanguard]

AMICA sends lovely real cards. I guess I am too low class to get one from Vanguard.
by mouses
Sun Dec 16, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Nice gifts for young kids
Replies: 33
Views: 2653

Re: Nice gifts for young kids

Nothing electronic.

Books. Cuddly toys.
by mouses
Sun Dec 16, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: When do Social Security payments count as income?
Replies: 24
Views: 3032

Re: When do Social Security payments count as income?

I just started receiving SS this year. I was expecting I would get a document from the SS Admin, much like a W2, that specifies exactly what to list on my tax return. Am I dreaming here? You are NOT dreaming! DW and I each receive an SSA 1099 form, aka Social Security Benefit Statement. You should ...
by mouses
Sat Dec 15, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 35
Views: 2611

Re: Potential New Home - Planes and Trains Noise

I have fond memories of living near the train lines. Fairly infrequent traffic - often 3-5 hours of silence at a time, then a freight train. Sometimes I didn't notice, but when I did, it was as natural as watching the wildlife moving through the environment. I miss living by the river, and the trai...
by mouses
Fri Dec 14, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 2955

Re: Is it difficult to change a baby's legal name?

We are an Asian family and tend to give a lot of weight to the meaning of a name in our culture, but I hear that is not really the case in America, so perhaps that should not be the deciding factor.. If we pick James, we'd like him to be called James and not Jim or Jimmy. Is it inevitable that some...
by mouses
Fri Dec 14, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5260

Re: Forgoing health insurance

The good news is that lack of health insurance doesn't mean lack of health care. You can pay as you go, or if you have a real emergency they have to treat you anyway. You'll probably be fine. Absolutely untrue; If you go into an ER, they will splint your broken leg, but they aren't going to give yo...
by mouses
Thu Dec 13, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: “Priority Mail” not a priority anymore
Replies: 11
Views: 1769

Re: “Priority Mail” not a priority anymore

No problem in my area in RI.
by mouses
Thu Dec 13, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6057

Re: Should I buy a Tesla?

Why would I consider buying a gas guzzling oversized vehicle? especially since I have no use for a pickup. You shouldn't. But you should seriously look at a Hyundai Kona IMO. Getting great reviews. Company will be around in 5-10 years for sure. Great warranties. Fun to drive. Huge range. Autopilot ...
by mouses
Thu Dec 13, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6057

Re: Should I buy a Tesla?

Impossible to answer without more context, but your sentence 'starting a new job that will pay me... indicates a big NO. First rule of financial well being. Don't spend money you don't yet have. Get your savings rate on track. Maximize all tax-advantaged space available to you. Get a solid buffer f...