Search found 3455 matches

by mouses
Tue Aug 14, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Verizon sending me two bills and I can't change my name with them
Replies: 6
Views: 473

Re: Verizon sending me two bills and I can't change my name with them

If I get nowhere with a company, after awhile I write a polite, no longer than one page letter to the CEO. The CEO name and headquarters address can be found by searching on the web. I think most companies have staff in the CEO's office to deal with these things.

I'd include a copy of both bills.
by mouses
Mon Aug 13, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Should I Do This? [borrow from relative to pay off loan]
Replies: 55
Views: 2719

Re: Should I Do This? [borrow from relative to pay off loan]

You raise a good point and I will say, this obviously was a bad place to put my money...but a mistake I've learned from. The only way I see this relationship going sour is if I don't pay him...and I've been making payment's with no issues. Let's just say the money isn't an issue for him... This att...
by mouses
Mon Aug 13, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2187

Re: What's the reason you would buy reading glasses at...

I have computer glasses via prescription. I also have cheap more magnifying glasses from the drugstore. The presc glasses are because they are accurate for my eyes and I use them for long intervals. The drugstore glasses I use when trimming my cat's claws as they magnify more, but I am sure I'd have...
by mouses
Mon Aug 13, 2018 5:38 am
Forum: Personal Consumer Issues
Topic: Junk Mail
Replies: 28
Views: 2436

Re: Junk Mail

But there's a flip side — jobs for all the people that produce this stuff. Probably soul crushing work for the people directly involved I am directly involved in the production and distribution of direct mail. I checked my soul, it is not crushed.....lol. The people I interact with do an honest's d...
by mouses
Sun Aug 12, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: New CD Rates
Replies: 22
Views: 4023

Re: New CD Rates

If I earn 2 percent and inflation stays at 3, then I'm losing 1 percent each year. This wouldn't be a big deal if I was old and in retirement Of course it's a big deal if one is in retirement. At least if you're young you have a salary coming in and can continue to save perhaps more. If you're reti...
by mouses
Sun Aug 12, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 17
Views: 1154

Re: Tipping lawn service and trash pickup

Not beer. Any number of people don't drink alcoholic beverages.
by mouses
Sun Aug 12, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 49
Views: 6074

Re: Moving from Vanguard to Fidelity

After years of barely adequate (and sometimes poor) customer support performance from Vanguard I'm thinking of making the switch to Fidelity. What kind of customer support are people lacking at Vanguard, especially passive investors who barely need to do anything. I've been with Vanguard for nearly...
by mouses
Sun Aug 12, 2018 12:56 am
Forum: Investing - Theory, News & General
Topic: New CD Rates
Replies: 22
Views: 4023

Re: New CD Rates

If I earn 2 percent and inflation stays at 3, then I'm losing 1 percent each year. This wouldn't be a big deal if I was old and in retirement Of course it's a big deal if one is in retirement. At least if you're young you have a salary coming in and can continue to save perhaps more. If you're reti...
by mouses
Sun Aug 12, 2018 12:53 am
Forum: Investing - Theory, News & General
Topic: New CD Rates
Replies: 22
Views: 4023

Re: New CD Rates

There are three credit unions in my area offering 3% CDs.
by mouses
Sat Aug 11, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Post Mortem Settlement
Replies: 18
Views: 1543

Re: Post Mortem Settlement

You sound very organized. That and keeping the beneficiaries informed are important.

I would not devote too much time to trying to get rid of and paid for the cemetery niches. Unless for some reason they are more valuable than they are in my location.
by mouses
Sat Aug 11, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4459

Re: Should I pay 6000.00 to repair wife's car....

I understand your wife's feelings. I have a 1969 Mustang that's a money pit. I think we would both be better off getting rid of these cars, because both of them are always going to be money pits. I also have a Buick that had a problem that the manufacturer knew about but I didn't until the time to f...
by mouses
Sat Aug 11, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7291

Re: Rude response from boss re: market adjustment

gotester2000 wrote:
Fri Aug 10, 2018 1:40 pm
I always thought that if you are a critical employee, management will take care of you(money/title/work etc).
That's what I though too, when I was young and naive. Management pays as low a salary as they can get away with.
by mouses
Fri Aug 10, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I accept a large cash gift from my mother?
Replies: 41
Views: 4671

Re: Should I accept a large cash gift from my mother?

She should keep it. What happens if you die first or become incapacitated and she needs it. She could easily live 20-30 more years with unexpected expenses, not only major illnesses but very expensive dental work such as discussed in another thread.
by mouses
Fri Aug 10, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7291

Re: Rude response from boss re: market adjustment

You got a response that says your manager doesn't care if you leave. I think this is called the handwriting on the wall. and, yes, it is rude. I would send out my resume and plan to leave when I found a better situation, or at least be prepared with opportunities if they let you go before you find s...
by mouses
Thu Aug 09, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8174

Re: Huge mortgage mistake

I haven't had time to read all the replies, but OP, can you not just pay more each month so you pay it off early? What does the contract say about paying extra, is that allowed?
by mouses
Thu Aug 09, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: whole house generator different questions
Replies: 21
Views: 1538

Re: whole house generator different questions

The problem is the snow is not coming off the roof or straight down. It is blown sideways into large drifts. I am thinking maybe a vertical board(s) with space between them and the generator on some sides. I have emailed the dealer, maybe they have some experience with this problem, I would think.
by mouses
Wed Aug 08, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: whole house generator different questions
Replies: 21
Views: 1538

Re: whole house generator different questions

I think my residual question is the snow problem. I was hoping someone had worked out some baffle or something that would keep the snow drifts from the generator but still let the generator have air access. Or some sort of piping from the air intake and exhaust.
by mouses
Wed Aug 08, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: whole house generator different questions
Replies: 21
Views: 1538

Re: whole house generator different questions

+1 to what lazydavid said. We kicked around load shedding in this thread and a couple others - https://www.bogleheads.org/forum/viewtopic.php?f=11&t=233223&hilit=shedding. Bottom line - get a genset with an automatic transfer switch that is big enough to power all the stuff you NEED on at the same ...
by mouses
Tue Aug 07, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: whole house generator different questions
Replies: 21
Views: 1538

whole house generator different questions

I know there's another whole house generator thread, but I have different questions. I had a Generac dealer out today for an estimate. I want an idiot proof generator that runs on natural gas and goes on and off by itself, and a maintenance contract so it all blissfully works without my getting invo...
by mouses
Tue Aug 07, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: managing funds after divorce settlement
Replies: 13
Views: 1479

Re: managing funds after divorce settlement

I'm sorry this has happened. It sucks.

Just a couple of comments: Is the ex-wife not funding some of the kids' college? Also in 5-6 years the kids will be mostly leaving the nest for college so you might consider selling the house then.
by mouses
Tue Aug 07, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting through Renting?
Replies: 11
Views: 1050

Re: Gifting through Renting?

Is the kid a student? If so, I don't see why this gets into gift tax territory. I have never heard of parents paying a gift tax for paying for student housing at a college. How would an apartment be different.
by mouses
Tue Aug 07, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6194

Re: Minivan Vs SUV Experience

"When the Dog Decides Where You Live"

https://www.nytimes.com/2018/08/06/real ... -live.html
by mouses
Tue Aug 07, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2278

Re: New SS cards. Get yours?

...Points to the feds for making these paper instead of adding millions of plastic cards to the planet... It's interesting: my old Medicare card has always looked like a rather cheesy piece of cardboard, but it has actually held up and stayed legible in my wallet just as well as many plastic cards....
by mouses
Tue Aug 07, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Looking for a pep talk
Replies: 26
Views: 3020

Re: Looking for a pep talk

We have $450 in investments (retirement and 529’s) a lot of cash ($220k) in savings because we will need at least some of it when we do decide to buy and when an opportunity to buy into the practice becomes available in two years. Our net worth keeps hovering around $450k. I don't understand your a...
by mouses
Tue Aug 07, 2018 3:07 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2278

Re: New SS cards. Get yours?

My new Medicare card showed up a day or so ago. I thought our state wasn't scheduled until next year.

Now to remember to notify doctors' offices, etc.

Points to the feds for making these paper instead of adding millions of plastic cards to the planet.
by mouses
Mon Aug 06, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4494

Re: Dear BH, what are non-BH actions you do?

Also, we have no intentions of paying for the university education of our children. We have ~12 years for our opinion to change as our oldest is 6, but at this point it isn't something we are really considering. We are going to pay as follows (our daughter is 6 now as well) 1) 2-years of Community ...
by mouses
Mon Aug 06, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4494

Re: Dear BH, what are non-BH actions you do?

Im a police officer on the road at work and my wife is a physical therapist that does home care so we are both buying lunch out a lot during working hours. We don’t have that office or microwave to pack lunch or heat up left overs. It adds up but could be the first thing we cut back in if we needed...
by mouses
Mon Aug 06, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6293

Re: "Dollar Store" favorites

bertilak wrote:
Mon Aug 06, 2018 1:32 pm
Yardley Oatmeal Almond bar soap 12-pack for $12.
Perhaps I will make my first trip to a dollar tree store.
by mouses
Sun Aug 05, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6194

Re: Minivan Vs SUV Experience

Finally, it's a power thing. The few times I've rented large SUVs I was surprised to find myself thinking thoughts like this: "Yeah, go ahead and pull out in front of me little car. I'll squash you like a bug." Alarming, really. I don't like what I think of as monster cars. They're bad for the envi...
by mouses
Sun Aug 05, 2018 6:22 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6194

Re: Minivan Vs SUV Experience

To me it's like choosing a house with a larger yard because you think the dog will like it better. If we currently had a dog (which we don't), we would definitely factor in an appropriate yard for the dog when considering purchasing a home. Obviously the adults make the decision, not the dog or the...
by mouses
Sun Aug 05, 2018 12:36 am
Forum: Personal Consumer Issues
Topic: Prefinished White Oak Floors with Matching Stair Treads
Replies: 14
Views: 950

Re: Prefinished White Oak Floors with Matching Stair Treads

One caution with stair treads & floors the same color. It is sometimes difficult for me to notice the elevation change on the last step. Maybe the last/first step a slightly different color or accent I'm cat sitting in a house I haven't been in before, and almost fell yesterday because the stairs a...
by mouses
Sat Aug 04, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 2950

Re: USPS Informed Delivery

They probably use one of the credit report companies to get their security questions, so the questions are as accurate as the credit reports. In my experience that is poor. They have merged my report and my husband’s with other relatives. You can check and correct the information in the report or j...
by mouses
Sat Aug 04, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9589

Re: Few weeks into new job recieved significantly better offer elsewhere

Leaving has nothing to do with integrity. Any company will toss you overboard without blinking, so you owe them nothing. I am concerned that the new possibility does not look like a firm long term offer. Recruiters lie. I would not take it unless the company itself committed in writing to a full tim...
by mouses
Sat Aug 04, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: [Water leak in apartment - getting out of lease?]
Replies: 9
Views: 607

Re: [Water leak in apartment - getting out of lease?]

If this were me, I would find a new apartment. If they ask for a reference from your previous landlord, I would give them the names of your more previous landlords, and hand them photos of the apartment damage and your attempts to contact the landlord. I'd move your stuff to the new place and then g...
by mouses
Sat Aug 04, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6194

Re: Minivan Vs SUV Experience

To me it's like choosing a house with a larger yard because you think the dog will like it better. I'm not directly comparing dogs to children, but keep some perspective. Whether or not children encounter minor inconveniences entering/existing a car before they're in elementary school has no bearin...
by mouses
Sat Aug 04, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 105
Views: 6194

Re: Minivan Vs SUV Experience

Trism wrote:
Sat Aug 04, 2018 8:20 am
Whether or not children complain about - or like - a car wouldn't be a factor for us.
Boo.
by mouses
Sat Aug 04, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: UK vacation help
Replies: 15
Views: 673

Re: UK vacation help

I've seen some really beautiful pictures of the Irish countryside from a friend's vacation. They have all sorts of castles, fortresses, and stuff like that :-)

https://www.ireland.com/en-us/articles/ ... m-shannon/
by mouses
Fri Aug 03, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Home is *just* outside flood zone - how much flood insurance do I buy?
Replies: 50
Views: 2794

Re: Home is *just* outside flood zone - how much flood insurance do I buy?

The flood risk was drastically underestimated in Texas, especially new construction near drainage systems and reservoirs which exacerbated the flooding due to bad design. Flooding from Harvey was due to an enormous amount of rainfall far in excess of the 100-year storm. It had little to do with dev...
by mouses
Fri Aug 03, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 255
Views: 23354

Re: most compelling TV character ever

Susan Oliver as the Orion slave girl. Also a fascinating life, see if you can find one of the rare copies of her autobiography Odyssey: A Daring Transatlantic Journey.

Majel Barrett, in any of her Star Trek roles.
by mouses
Fri Aug 03, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: light bulb bases
Replies: 4
Views: 500

Re: light bulb bases

Thank you, folks.
by mouses
Fri Aug 03, 2018 2:14 am
Forum: Personal Consumer Issues
Topic: light bulb bases
Replies: 4
Views: 500

light bulb bases

So I'm shopping online for light bulbs, and I can't figure out what base name is right for normal old fashioned in use for decades lamps, ceiling fixtures etc. Some of them look quite alike. Thank you.
by mouses
Fri Aug 03, 2018 2:11 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4372

Re: Which diet soda pop do you enjoy?

rterickson wrote:
Thu Aug 02, 2018 5:52 pm
Just heard on the news recently that Canada Dry are being sued because their ginger ale doesn't have any ginger in it.

I miss Tab.
They claim there is ginger in it, listed as a flavoring or somesuch.
by mouses
Thu Aug 02, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Which offer to accept on vacant land?
Replies: 17
Views: 1851

Re: Which offer to accept on vacant land?

Not 1 not 3. If you can't trust a buyer don't get involved with them, and these people have already shown they are untrustworthy. Plus with 2 at least you get to keep the deposits. A refundable deposit sounds crazy to me. I would go with the land conservancy suggestion above or 2. My town is already...
by mouses
Wed Aug 01, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Unexpected early retirement - requesting advice
Replies: 56
Views: 6563

Re: Unexpected early retirement - requesting advice

I hope things go well with your health. Take good care of yourself as much as you can.

If people ask what you're doing, say you're a ghost writer. If they ask for who, say you can't divulge that.
by mouses
Wed Aug 01, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 5744

Re: Financial upside / downside of marriage vs cohabiting

This is WCI's (JDahle's) input: Looks like he's socially but not legally married. https://www.whitecoatinvestor.com/repaye-marriage-penalty/ Several months ago, I had the most wonderful day of my life. I stood on an altar, in front of all of my family and friends, and said my vows to the woman who ...
by mouses
Wed Aug 01, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: How long have you been retired and how much have you spent on health out of pocket?
Replies: 18
Views: 1981

Re: How long have you been retired and how much have you spent on health out of pocket?

I will say that the big surprise was dental costs. Lose a tooth, and that seems to be surprisingly common even among elderly people with lifelong good dental care, and you are looking at thousands for an implant. I and someone I know are both looking at three implants over the past several years. In...
by mouses
Wed Aug 01, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1807

Re: Why is new strip of lawn different color?

I think the different color grass is from a different variety. I had this happen with my lawn and tore up the new different area out and reseeded. There is probably a good lawn service out there, but it takes some work and discussions with them to get things going. I am not sure why you are treating...
by mouses
Tue Jul 31, 2018 5:56 am
Forum: Investing - Help with Personal Investments
Topic: Danish investor - Building a portfolio.
Replies: 4
Views: 301

Re: Danish investor - Building a portfolio.

If I understand correctly, €1.000.000 is in Euros and is about 1,170,000 dollars.

(I would be happy to pay a tax rate of 42% to get the social services and decent quality of life Denmark provides.)
by mouses
Mon Jul 30, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5276

Re: What Should I Do About A Dying Friend's Assets?

Some of the comments above strike me as ironic considering how much time and effort go into discussion of strategies to minimize taxes on this forum. I've never really thought of the government as a charity either. That whole concept makes me laugh. Not everyone thinks like you, especially this cou...
by mouses
Mon Jul 30, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5276

Re: What Should I Do About A Dying Friend's Assets?

While the OP is futzing around with strategies, his friend is going to die without a will and the money will be distributed as state law specifies. If I were him, I'd ask the attorney to promptly draw up a will leaving everything to the sister, and then if there is more time, a subsequent will can b...