Search found 3252 matches

by mouses
Sun Jun 24, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 26
Views: 2473

Re: Retirees: When you cut spending, what do you cut?

Now you've got me back in time with this thread. What would you cut if you had nothing to cut? I was a child of the Great Depression. My father lost his job in about 1935. He was fortunate to have had one prior to that. We lost our home. We moved into a persons basement. Men would come to the basem...
by mouses
Sun Jun 24, 2018 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 30
Views: 3762

Re: Trust Help From Cruel Stepmother

He wanted to show us his trust several times but the wife would not allow it. He was afraid to go against her and we the children left it alone thinking that we didn't want to cause any problems and figured it will be shown at the appropriate time. It sounds like your father was in his eighties and...
by mouses
Sat Jun 23, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited house turning into a money pit
Replies: 17
Views: 2698

Re: Inherited house turning into a money pit

Having read what you wrote just above, I'm with the sell the house people. At least see a couple of real estate agents to get their opinion. What you're describing is a gigantic project for a younger person. As attached as you might be to this house, you need to protect your health from all this str...
by mouses
Sat Jun 23, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off and need some advice on steps forward
Replies: 12
Views: 792

Re: Laid off and need some advice on steps forward

Am I reading correctly that your family is still running a profit despite your job vanishing? If so, that relieves a lot of stress. I would not take a break. You will have free time anyway to relax and do interesting things. It almost always takes a significant amount of time to find a new job. And ...
by mouses
Sat Jun 23, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited house turning into a money pit
Replies: 17
Views: 2698

Re: Inherited house turning into a money pit

I think Celia has really covered everything with good advice.
by mouses
Sat Jun 23, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: How do find a good doctor for chronic hives
Replies: 25
Views: 1139

Re: How do find a good doctor for chronic hives

If you can't find a good doctor by personal referrals, I like to use this site, because it includes actual patient reviews: https://www.ratemds.com/ Some of the other ratings use recommendations by other doctors, but I want to know the patient experience. Ratemds used to be a good site, but they so...
by mouses
Sat Jun 23, 2018 5:07 am
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 34
Views: 2895

Re: Marriott hotels using Alexa/Echo in guest rooms?

More fun with newfangled stuff, some people's photos stored in the cloud wind up on other people's phones:

https://www.wpri.com/don-t-miss/ri-woma ... 1256934580
by mouses
Sat Jun 23, 2018 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance by U.S. Citizen from Former U.S. Green Card Holder
Replies: 18
Views: 1758

Re: Inheritance by U.S. Citizen from Former U.S. Green Card Holder

I just read up on Section 2801. I believe I would describe that as "theft." Really, how does this stuff get passed. Talk about being governed by corrupt idiots.
by mouses
Fri Jun 22, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited house turning into a money pit
Replies: 17
Views: 2698

Re: Inherited house turning into a money pit

I am sorry about the loss of your parent and that the house is a money pit. I also think we need more information about your finances, Do you intend to live in this house? Does it actually need all this work done at once? At least some of it sounds to me like it could be postponed and done bit by bi...
by mouses
Fri Jun 22, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee for mom's estate: large reserve recommended
Replies: 21
Views: 1470

Re: Trustee for mom's estate: large reserve recommended

Near the end of the year, I would put the holdback in cash if it looks like the estate could be closed out in 2019. If the estate gets interest or dividends in 2019, then you will have to pay taxes again for 2019 plus tax preparation fees Near closing out my Mom's estate/trust, I had the holdback i...
by mouses
Fri Jun 22, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Trustee for mom's estate: large reserve recommended
Replies: 21
Views: 1470

Re: Trustee for mom's estate: large reserve recommended

I would make sure your accountant is experienced in estate (and trust?) matters, and I would make sure you understood why she is saying what she is. Off the top of my head, I would not disburse such a large amount up front. As said by someone above, you can always disburse later, getting it back is ...
by mouses
Fri Jun 22, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 55
Views: 4896

Re: DNA ancestry testing

I was adopted, which was one reason I did the Ancestry DNA. The ancestry regions came out to what I would expect. So far as close relatives, there are thousands of matches but none closer than suspected 4th cousin. Since I posted this I got a first cousin hit on Ancestry. I contacted the person and...
by mouses
Fri Jun 22, 2018 6:26 am
Forum: Personal Consumer Issues
Topic: HVAC installer just asked to borrow money..
Replies: 10
Views: 1977

Re: HVAC installer just asked to borrow money..

So, we had AC installed a few weeks ago for the summer, and I picked this guy because he did a good job on our neighbor's place, and reviews everywhere were positive. Out of the blue he knocks on our neighbor's door at 9pm at night asking them how the AC was holding up and told them his sister pass...
by mouses
Thu Jun 21, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Outdoor Wooden Steps Repair?
Replies: 19
Views: 1073

Re: Outdoor Wooden Steps Repair?

If you are going to live there long term, I would seriously consider replacing the whole deck with Trex composite decking . Better not to use stuff that will still be filling up landfills (or the ocean, it's amazing how much non-biodegradable stuff winds up in the ocean) when the sun goes nova. Bet...
by mouses
Thu Jun 21, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 58
Views: 3839

Re: "distilled" water for wife's CPAP machine

Be grateful that the distilled water doesn't come in little single-use cartridges with one night's supply of distilled water, at $39.95 for a box of 24--with RFID chips in them, of course, so that the machine will only run with genuine manufacturer-branded cartridges. :D Not sure I should be laughi...
by mouses
Thu Jun 21, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 34
Views: 2895

Re: Marriott hotels using Alexa/Echo in guest rooms?

moehoward wrote:
Tue Jun 19, 2018 9:06 am
I have an Alexa at home and would welcome one in my hotel room. If you are worried about an Alexa conspiracy or afraid of new fangled devices, I suggest unplugging it.
Wasn't it an Alexa that recorded and sent out to the web a private conversation in someone's home? Some newfangled device.
by mouses
Thu Jun 21, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 28075

Re: GEICO auto rates vs. USAA: too good to be true?

I just compared USAA with AMICA for Home and Auto. Same coverage limits for both USAA Auto cheaper by $364 annually and USAA Home cheaper by $480 annually. This for a 2 driver/2 car and roughly $215K house. I have been with USAA for 8 years, and haven't shopped around a ton, but haven't found anyth...
by mouses
Thu Jun 21, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 28075

Re: GEICO auto rates vs. USAA: too good to be true?

What is the approximate "discount" if you insure (bundle) home/auto/umbrella with the same company vrs many posters here going with different companies for each? I've had Amica auto and umbrella for years. I've had homeowners from whatever company my independent agent could dig up, as companies do ...
by mouses
Thu Jun 21, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: MIL passed- question about her Social Security
Replies: 22
Views: 2545

Re: MIL passed- question about her Social Security

Yep... My parents divorced in the 80s... Dad remarried right way but my mom never did and she still had hte option to claim against my Dad's SS ( I think her own was higher but she had the choice). Agree with others that these rules have nothing to do with trust fund depletion, as its been this way...
by mouses
Thu Jun 21, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 2878

Re: Does an IPS really need to be 5 pages long to be valuable?

AAA wrote:
Thu Jun 21, 2018 8:58 am
And an IPS is...what?
Apparently an Iberian Peninsula Scenic tour, is my guess.
by mouses
Thu Jun 21, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Senior discounts to look out for
Replies: 12
Views: 1521

Re: Senior discounts to look out for

Apparently not exactly, I looked at that and there is a means test in my state.
by mouses
Thu Jun 21, 2018 6:29 am
Forum: Investing - Help with Personal Investments
Topic: help, inheritance of $3.5M, read & read BogleH, & still in the dark
Replies: 33
Views: 4120

Re: help, inheritance of $3.5M, read & read BogleH, & still in the dark

I would not take advice from this "market knowledgeable family member." Just as I was reading along and came to the part about blowing a third of your inheritance on an extremely expensive home, the hair started standing up on the back of my neck. Say something polite and then go your own way. If I ...
by mouses
Thu Jun 21, 2018 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Paper tax return filed at deadline - still no refund 7 weeks later
Replies: 25
Views: 1927

Re: Paper tax return filed at deadline - still no refund 7 weeks later

Turbotax? Paper filing? Really? The IRS is probably irritated. Get an accountant, or I'll go back to my cassette player and flip phone. :oops: You're likely leaving refunds on the table. If you can't get this, how can you possibly get my higher level recommendations? :confused I fail to understand ...
by mouses
Wed Jun 20, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Senior discounts to look out for
Replies: 12
Views: 1521

Re: Senior discounts to look out for

douginct wrote:
Wed Jun 20, 2018 3:42 pm
AARP members get a discount with AT&T.
Also with Consumer Cellular. And on some prescriptions. My pharmacy automatically checks for the cheapest price and mostly it's Plan D but every so often it's some oddball thing like AARP.
by mouses
Wed Jun 20, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3257

Re: What will (or would) you tip when wages go up?

20% always, unless there is a service fee. Then nothing. I've never even considered checking wage laws in the US. I do when traveling internationally, but that's rare these days. They need the money more than I do. Exactly. I can't see nickle and dimeing someone depending on if they make $10 or $15...
by mouses
Wed Jun 20, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 1916

Re: Storing Sustenance for Disasters

I have envelopes of camping food should my family need to hike out of town (but, really, aside from the poor folks in the urban core of New Orleans following Katrina, when has that ever happened?). Puerto Rico. There are areas still in big trouble there, although you'd never know it from the news m...
by mouses
Wed Jun 20, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1088

Re: Cataract surgery - one or two?

123 wrote:
Wed Jun 20, 2018 11:28 am
Note that in LASIK surgery to correct vision (NOT CATARACTS) both eyes are routinely done at the same time.
Drifting off topic: The New York Times had a hair-raising article recently about the frequency of serious side effects from Lasik surgery.
by mouses
Wed Jun 20, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1088

Re: Cataract surgery - one or two?

My mother chose the two surgeries, and I'm glad she did. For some reason, it took her twice as long to recover from the surgeries than was predicted. If she had had both eyes done at once, we would have had to pay for someone to care for her 24 hours a day until she regained her sight. That would h...
by mouses
Wed Jun 20, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 129
Views: 7310

Re: gray hair

In my area, women of all ages seem to color or highlight their hair. According to my wife, probably 95% of women > 20 years old. I doubt that, based on my friends and coworkers. Gray doesn't normally start showing up that early. I looked for statistics, and all I could find was a survey run by Clai...
by mouses
Wed Jun 20, 2018 12:57 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 129
Views: 7310

Re: gray hair

Several women we know (in their 60s and 70s) who had dyed their hair for years, recently transitioned to the natural all gray. Yes, this is a big win. My hair is in much better condition and so much less work since I did this. People who dye their hair are not really fooling anybody. I don't know w...
by mouses
Tue Jun 19, 2018 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9757

Re: Messy Divorce -- Forensic Accounting Help....

Separate accounts? No idea what your spouse, the mother of your children, has been doing with the accounts for 20 years? Did you ever talk about anything finance related? Seriously??? Sorry, but it sounds like you were already set up for this whole thing to fail in the first place. Cut losses and m...
by mouses
Mon Jun 18, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 5828

Re: Lost job. Take early SS or draw from accounts?

I would suggest that she immediately apply for SSDI, which isn't that easy to get, but something which may solve her problem. SSDI pays the claimant's PIA, even when received before FRA. I also don't understand why she isn't eligible for disability. I have heard that people often get turned down th...
by mouses
Mon Jun 18, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 90
Views: 7107

Re: how to make friends in new location?

I'm beginning to believe the world is becoming a lonelier place for a lot of people. I'm just not one of them. People come around me all the time, particularly when I don't want them to (like when I'm studying energizing, inspiring, and amazing stuff written by the smartest people in the room). The...
by mouses
Sun Jun 17, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 90
Views: 7107

Re: how to make friends in new location?

I suggested this in another thread, but volunteer for Meals in Wheels, People who are shut in often like to chat to the MOW folks as that may be their only human contact for the day.
by mouses
Sun Jun 17, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 90
Views: 7107

Re: how to make friends in new location?

I'm beginning to believe the world is becoming a lonelier place for a lot of people. I'm just not one of them. People come around me all the time, particularly when I don't want them to (like when I'm studying energizing, inspiring, and amazing stuff written by the smartest people in the room). The...
by mouses
Sun Jun 17, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Cosmetic Question about teeth
Replies: 9
Views: 1267

Re: Cosmetic Question about teeth

Both of my dentists are against whitening because of the nerve sensitivities it can cause.
by mouses
Sun Jun 17, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: wetlands permit for septic system replacement
Replies: 10
Views: 776

Re: wetlands permit for septic system replacement

With my system, it's the engineer who got the permits.

Why do you think you need a larger system?
by mouses
Sun Jun 17, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 7510

Re: Which Supermarket are you?

I definitely don't believe in Organic or non-GMO food. It doesn't make intellectual sense from a risk perspective... i.e. there is no, or at most a vanishingly small risk, to non-organic or GMO food. Until GMO farmers can keep their crops from contaminating organic farms even miles away, I don't bu...
by mouses
Sun Jun 17, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 7510

Re: Which Supermarket are you?

Dave's Market, which is a local Rhode Island chain with several locations. When I lived in California, I shopped at Whole Foods and occasionally Safeway for stuff Whole Foods did not carry. It was great that Safeway was open 24/7. Here the sidewalks roll up at 9pm or so. Whole Foods in California ha...
by mouses
Sun Jun 17, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Standard buyer's remorse or poorly timed enlightenment?
Replies: 40
Views: 3479

Re: Standard buyer's remorse or poorly timed enlightenment?

Honestly, I think this is more psychological to us than anything, but it just doesn't feel right, DH not working while we're still funding college (even though we have college funds set aside). I guess I'm worried about a financial disaster putting our youngest's education at risk. My issue, not yo...
by mouses
Sat Jun 16, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16145

Re: Should I take possession of a certified mail?

toofache32 wrote:
Sat Jun 16, 2018 7:07 pm
I was hoping it was the Nigerian Prince sending money as promised. I’m still waiting on my check.
Hey, my ancestry DNA says I'm part Nigerian (surprise!). I'm still waiting for my Prince. He's a little late showing up :-)
by mouses
Sat Jun 16, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5004

Re: What are your hobbies?

I did not want to derail the thread “Life in retirement-what did you do today?” So I started another to drill down on hobbies. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=251415&p=3975855&hilit=What+did+you+do+today#p3975855 I am happy I left my job for ER. However, I worked so much at my...
by mouses
Sat Jun 16, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16145

Re: Should I take possession of a certified mail?

I can't believe i scrolled through this whole thread trying to find out what was in the letter.
by mouses
Sat Jun 16, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24305

Re: Concierge medicine Worth It????

Single payer is really the only way to go. Sure, it has its problems, but they are dwarfed by the enormous waste of money that winds up in the pockets of the insurance and pharmaceutical companies with the current system. Concierge vs. non-concierge is just trying to put a bandaid on a fracture.
by mouses
Sat Jun 16, 2018 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Thrivent?
Replies: 17
Views: 1723

Re: Thrivent?

Like a credit union, a fraternal has to have a common bond. It was Lutheran, now it is Christian. The by-laws still read "Thrivent Financial for Lutherans" and you have to be Lutheran to serve on the board but that is about it. So, not very Lutheran. They discounted the lutefisk Christmas dinners y...
by mouses
Sat Jun 16, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 46
Views: 4138

Re: Contractor - Threatening Lien/Lawsuit

Scam. Ignore him and move on. The issue with that is the problem isn't solved and other people will continue to be ripped off. Hence the need to post reviews, including at the BBB. I have used the BBB in the past. Once they got a refund for me and once all they could do was tell me the person ignor...
by mouses
Fri Jun 15, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 46
Views: 4138

Re: Contractor - Threatening Lien/Lawsuit

Don't forget to post bad reviews.
by mouses
Fri Jun 15, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8900

Re: I was rear ended and the other guy wants a payout!

As I read OP’s description, and then looking at it from the other driver’s view, I think he has a point. You pulled out and went slow enough that he had to brake to avoid you. File your claim with your insurance, and let it play out. Consider yourself fortunate you were not cited. Drivers are suppo...
by mouses
Fri Jun 15, 2018 4:28 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3568

Re: Non-alcoholic drinks for wedding

daheld wrote:
Thu Jun 14, 2018 10:05 am
If you're going to serve soda (what in the world is pop?! :) )
Pop is tonic :-)