Search found 2304 matches

by mouses
Wed Nov 22, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 131
Views: 6045

Re: Help DW gets fired, but then next day her boss offers her job back

DrGoogle2017 wrote:
Wed Nov 22, 2017 12:13 pm
I think verbal is just as good. That’s what I’ve been told about job offers.
No. That's exactly the opposite of my experience and everything I've ever been told.
by mouses
Wed Nov 22, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Best vehicle for seniors?
Replies: 54
Views: 2931

Re: Best vehicle for seniors?

It seems from those reports that the primary driver in their lower accident rates is that they more astutely come to the realization of when their skills are declining to unsafe levels and make the definite decision to stop driving, in general, as a group. We also use seat belts, speed less, and do...
by mouses
Wed Nov 22, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 41
Views: 4351

Re: Beware Amazon Price Gouging

Been meaning to try Jet.com (acquired for $3B by Walmart) which boasts similar shipping/cost with no membership fee. I really like Jet. Amazon's non-Prime basic shipping takes 3-4 weeks to get to me. Jet stuff, even if it comes from multiple sellers, free shipping takes 2 to max 3 days. I always lo...
by mouses
Wed Nov 22, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 131
Views: 6045

Re: Help DW gets fired, but then next day her boss offers her job back

DW isn’t over 40 is she, and they’re trying to replace her with someone younger? Or a woman that’s being replaced with a man? Or a racial minority being replaced by someone white? Is this retaliation for being a whistleblower in some way? Anytime I hear about a company trying to get rid of an exper...
by mouses
Wed Nov 22, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed and seeking advice for my mother
Replies: 16
Views: 1854

Re: Overwhelmed and seeking advice for my mother

Is the OP's Mom going to get Social Security and Medicare? Given that she has been working a bunch of part time jobs, has she been doing the required financial things to make her eligible for those?
by mouses
Wed Nov 22, 2017 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 131
Views: 6045

Re: Help DW gets fired, but then next day her boss offers her job back

I think she should stay fired. She will find that not working for a crazy person improves her life considerably.

As for the replacement not even being able to use a computer, just another example of the manager being an incompetent idiot, and, also, karma.
by mouses
Tue Nov 21, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Are CDs within investment accounts the same as when you invest through bank?
Replies: 19
Views: 1093

Re: Are CDs within investment accounts the same as when you invest through bank?

OP here, thanks to above posters. So it sounds like I just need to make sure that the bank is FDIC-insured and that I will not need that money before it expires. In the unlikely event that I need to sell the CD before the term is up and I have purchased it from a stable US bank - how likely is it t...
by mouses
Tue Nov 21, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Spending Taxable to Zero during Retirement
Replies: 32
Views: 3296

Re: Spending Taxable to Zero during Retirement

Retired 2 years ago at age 58. So far it has been great. I am burning down my taxable brokerage account first. The funds are being used for expenses plus income tax on Roth conversions between now and age 70 when I will take SS. I know the general guideline is to burn down your taxable first and th...
by mouses
Tue Nov 21, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Are CDs within investment accounts the same as when you invest through bank?
Replies: 19
Views: 1093

Re: Are CDs within investment accounts the same as when you invest through bank?

No. A CD from a U.S. bank or credit union is insured up to a certain amount by the federal government or quasi federal government organizations, I forget which, assuming the bank or credit union is a member of those. A CD can almost always be closed early with the payment of a penalty. A CD bought i...
by mouses
Tue Nov 21, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Daycare Parting Gift
Replies: 16
Views: 980

Re: Daycare Parting Gift

My apologies if that picture represents your own culture, but it is not something I would want.

I would give them a gift card to something like amazon, not some strange business they may not patronize, so that it is actual money.
by mouses
Tue Nov 21, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Unexpectedly in the housing market--should we buy this house or wait?
Replies: 18
Views: 1746

Re: Unexpectedly in the housing market--should we buy this house or wait?

You don't have to move during the holidays if you do get the house. You will still have your rental available until you sublet it.

(Don't you have any IRAs? Did I miss seeing those somewhere?)
by mouses
Tue Nov 21, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Best vehicle for seniors?
Replies: 54
Views: 2931

Re: Best vehicle for seniors?

I talked to my ortho doc about the getting in and out of cars problem and his advice was to mess with the height and seat tilt controls. I now do this as a matter of course each time. I also find it easier to enter a car by sitting facing out from the side and then swing my legs in together. I love ...
by mouses
Tue Nov 21, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 84
Views: 3734

Re: Uber for someone who knows only taxis

Former Lyft driver's perspective... I drove a bit after our children when my wife was on family leave to help make ends meet. Unless they have changed things, please remember this: Anything less than a perfect rating (5 star) is telling the company you think the driver should be fired. Four out of ...
by mouses
Tue Nov 21, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 47
Views: 2364

Re: LED Lightbulbs - Recommended Brands

Back in incandescent days, I used to normally buy GE, but once, for some reason, I bought a pack of Phillips. Every darn Phillips bulb when it burned out and I removed it, had the glass shatter so that I had to remove the leftover glass and base from the socket. No more Phillips as far as I'm concer...
by mouses
Mon Nov 20, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 5716

Re: Drive it till it dies. It died.

The transmission (CVT) went out in my 2010 Nissan Murano with 140K miles. It will cost $6,000 to replace the CVT at the dealership. I don't want to put anymore money into the car. I already spent $4,500 earlier this year. How do I sell a car that won't run if I don't trade it in at the dealership? ...
by mouses
Mon Nov 20, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 84
Views: 3734

Re: Uber for someone who knows only taxis

What's going on with these cautions to get the correct car? What is happening that wrong cars show up?

I wish these things did not require smart phones.
by mouses
Mon Nov 20, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Contemplating offer on a house with SolarCity lease
Replies: 23
Views: 1812

Re: Contemplating offer on a house with SolarCity lease

A friend of mine is very displeased with the lease on his solar - the first year was great as the lease was 20$ but it saved 50$ of electricity a month. But the price/mo th has gone up every year so now the payoff is so much smaller. The lease agreement may likely be locked in, but that is another ...
by mouses
Sun Nov 19, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: HelloFresh meal boxes - disputing credit card charge
Replies: 18
Views: 1284

Re: HelloFresh meal boxes - disputing credit card charge

Requiring a credit card number is a red flag, to me.
by mouses
Sun Nov 19, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer negotiation - help
Replies: 6
Views: 972

Re: Job offer negotiation - help

I have not been in this situation, but I would crunch some numbers. What do you fork out now for health insurance, "extra" Social Security payments (are they double for self-employed people, I have the dim and perhaps incorrect idea), etc. to at least be sure you aren't taking a pay cut. I think it'...
by mouses
Sun Nov 19, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 102
Views: 10546

Re: The valet smashed my Tesla into a brick wall!

I thought I was paranoid to avoid valet parking, and my car is probably worth 1% of the OP's :-)
by mouses
Sun Nov 19, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Schwab acct. security tool
Replies: 22
Views: 1372

Re: Schwab acct. security tool

I got one of those gizmos, but I haven't activated it yet. I do wonder about how they verify people if it is lost. Everyone else I deal with seems to be okay with phoning or emailing, customer choice which, for two factor authentication, except Vanguard only phones, which is a nuisance at night. Wha...
by mouses
Sun Nov 19, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 102
Views: 10546

Re: The valet smashed my Tesla into a brick wall!

may be a small claims court for the "Diminished Value Claim" Small claims courts usually have limits on the damages they will award, probably below the diminished value involved here. I hope the OP took photos and notified his own insurance company. No one was hurt. The car will apparently be repai...
by mouses
Sat Nov 18, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Smoothing out a Property Tax bill
Replies: 13
Views: 727

Re: Smoothing out a Property Tax bill

Things are lumpy in my universe. The property taxes are due quarterly, and some credit unions pay interest quarterly. Insurance bills come in annually, although I think I could pay them monthly, but I hate owing money. It is what it is.
by mouses
Sat Nov 18, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off?
Replies: 34
Views: 2610

Re: Volunteer to be laid off?

I'm a little confused - if you resign now without being laid off, you get your contract's severance package? And if instead they agree to lay you off, you get the same amount of money? The only difference being that in the second case you may also get unemployment payments? I am not sure the size of...
by mouses
Sat Nov 18, 2017 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2599

Re: Risks of Non-ACA Compliant Health Insurance?

UnitedHeathCare is uniformly hated by the doctors' offices I am a patient of, and it is the only company that some doctors I know will not do business with. Every few years I have to explain to some new office that my AARP Medigap plan administered by UHC is really, really not subject to UHC's to th...
by mouses
Sat Nov 18, 2017 12:22 am
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 26
Views: 1239

Re: Timing if Medicare annual physical

When I schedule, the folks at the desk make sure it's far enough out.
by mouses
Fri Nov 17, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: Favorite Holiday Recipes
Replies: 40
Views: 2927

Re: Favorite Holiday Recipes

Just a reminder to write down those favorite recipes, otherwise after you croak no one knows how to make Granny's amazing whatever.
by mouses
Fri Nov 17, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 68
Views: 4277

Re: My dad's army jacket

I wear my father-in-law's (who passed away in 2010) original wool navy ensign peacoat from the mid 1950's Korean War era. It literally weighs a ton, but I absolutely love it with a pretty scarf. FIL had three sons, all of whom out-grew him by a foot in height and several pounds, so it never fit any...
by mouses
Fri Nov 17, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 68
Views: 4277

Re: My dad's army jacket

I wouldn't take the patches off. I would wear it at home, including perhaps out in the yard. I think you ought to be able to wear it, but not "in public."
by mouses
Fri Nov 17, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed for parent's finances
Replies: 38
Views: 3423

Re: Advice needed for parent's finances

I only had time to read some of the replies, but if you do a 1040 return by hand as a trial with estimated numbers you can tweek, you can see pretty clearly when Social Security taxability happens.
by mouses
Thu Nov 16, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Brand new minivan is a LEMON! Any recourse?
Replies: 26
Views: 4982

Re: Brand new minivan is a LEMON! Any recourse?

What a hassle that must have been. Glad it worked out. This is bringing back memories of lack of dealers taking responsibility. Decades ago when I was just out of school, I bought a new Ford, and often the car would start rolling backwards when I was in the middle of driving forwards. There was a hi...
by mouses
Thu Nov 16, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: BMW to Chevy Bolt?
Replies: 30
Views: 2326

Re: BMW to Chevy Bolt?

My only issue with the Volt itself is that reviews seem to indicate that it is really cheap and plasticky inside- it will be a bit of a rude awakening if you are used to BMW. Seats are also supposed to be rather uncomfortable. GM put all the money into the powertrain with the Volt- there wasn't muc...
by mouses
Wed Nov 15, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8006

Re: Has used furniture dropped in value dramatically?

I love old mahogany furniture, but apparently I'm an exception. The phrase shabby chic makes me want to puke.

One brand that does hold value is Cushman Colonial. You will find tables, desks, etc. selling for $400-$500 apiece, chairs for $100 apiece, plus shipping, on ebay.
by mouses
Wed Nov 15, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Florida slip & fall advice? Helping my parents
Replies: 11
Views: 880

Re: Florida slip & fall advice? Helping my parents

DON'T call the local bar association for a referral. Where I lived before, it turned out they give out names of any member who signs up to be on their list. I saw one about will planning, and he was an obvious crook who wanted to be executor, etc. A few months later I saw that he had been arrested f...
by mouses
Wed Nov 15, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1788

Re: Honda Accord Hybrid EX-L- great deal or not?

dm200 wrote:
Tue Nov 14, 2017 5:59 pm
No experience myself, but the actual record of hybrids over the years is good.
My nieces have each had a Prius for several years and love them.

Plus every little bit of green makes the future less horrible looking for the offspring.
by mouses
Wed Nov 15, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 46
Views: 2585

Re: Paying for news?

I read bbc.com with as they ask adblocking turned off. I used to pay for the nytimes, but then they distorted the heck out of the news during the Democratic Presidential primary, so I will never trust them again. The bbb is every bit as good and better since they don't cook the news.
by mouses
Wed Nov 15, 2017 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Verizon Wireless - Asking for a lower rate
Replies: 21
Views: 2337

Re: Verizon Wireless - Asking for a lower rate

I have Verizon prepaid and pay $40/month for unlimited talk/text and 3 GB of data with rollover data. You can get a better deal with a reseller/MVNO, but Verizon restricts the bandwidth of its resellers to far lower than 4G/LTE speeds. It's my understanding that when push comes to shove, such as at...
by mouses
Tue Nov 14, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3546

Re: Borrowing from parents - what interest rate?

If the money is coming out of their retirement account will they have to pay taxes? Will it put them in a higher bracket? Will you compensate them? +1 I really wouldn't do this. If you're in good enough shape to pay the loan off in five years, you're in good enough shape to get a regular loan. Don'...
by mouses
Tue Nov 14, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Confused on how Vanguard Roth IRA works...
Replies: 8
Views: 991

Re: Confused on how Vanguard Roth IRA works...

Caduceus is right. What you choose to invest the Roth money in will depend on how much risk you want to take, what your other savings are, etc. I'm retired, and have savings in taxable, Traditional IRA, and Roth IRA accounts. I'm having to take the Required Minimum Distributions from the Traditional...
by mouses
Tue Nov 14, 2017 5:46 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5193

Re: Keurig died...what now?

Aren't the cups those things use environmental disasters?
by mouses
Tue Nov 14, 2017 5:42 am
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about my mom's finances?
Replies: 17
Views: 1315

Re: What do I need to know about my mom's finances?

Regardless of age, it seems prudent for all next-of-kin to be able to have access to a comprehensive list of all financial accounts, as well as any assets and liabilities owned outside of those accounts. Once you have that, everything else is easier. You don't have to ask her how much she has in ea...
by mouses
Mon Nov 13, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about my mom's finances?
Replies: 17
Views: 1315

Re: What do I need to know about my mom's finances?

I would just go to your Mom and say you want to understand what your responsibilities are if she passes or becomes incapacitated, including in regard to her brother-in-law. Any reasonable person would want to be sure you know this, unless she is planning on living forever in good mental and physical...
by mouses
Mon Nov 13, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed for parent's finances
Replies: 38
Views: 3423

Re: Advice needed for parent's finances

Also, on the DTE 1099 it's addressed as My Mother's Name TR UA 11/15/04 My Mother's Name Revocable Living Trust address, city, state, zip So in looking at this that reads like the trust is in her name. Hopefully that is the case. Also based on the date, if that TR UA means it was established in 200...
by mouses
Mon Nov 13, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed for parent's finances
Replies: 38
Views: 3423

Re: Advice needed for parent's finances

I'm slightly older than your Mom. I also "discovered" that I had a ton of stuff when I moved after decades in the same place. I encourage her to start nibbling away at getting rid of things. If she goes slowly enough and keeps anything she is not sure about, this should not be painful, although I im...
by mouses
Mon Nov 13, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular - financial issues?
Replies: 4
Views: 518

Re: Consumer Cellular - financial issues?

I haven't heard anything about problems at Consumer Cellular, but I wanted to comment on your concern about your phone #: The phone # I have with CC is the same one I had at AT&T and before that with Sprint. I have no idea whether there is any need to worry about CC's financial health, but I don't ...
by mouses
Mon Nov 13, 2017 1:49 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular - financial issues?
Replies: 4
Views: 518

Consumer Cellular - financial issues?

I'm beginning to get a bit paranoid about Consumer Cellular and wonder if they're going down the tubes financially. I returned an extra phone I had bought from them. USPS says CC received it two weeks ago; CC agrees that they did and issued a refund, and the refund has not shown up on my credit card...
by mouses
Sun Nov 12, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 59
Views: 11087

Re: Capital One -- Again!

You can find horror stories about most financial institutions, but Wells Fargo and Bank of America are two that stand out in my mind as banks to avoid. I can't forget how Bank of America tried to foreclose on properties during the housing crisis that it didn't even have a financial interest in. One...
by mouses
Sun Nov 12, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a job with regular working hours after a long break?
Replies: 7
Views: 1042

Re: How to get a job with regular working hours after a long break?

It seems that you don't need the money and you just need a job to fill time. How about some tech support jobs at educational institutions? You are likely overqualified but you do meet a lot of people. You may even get tuition discount for your kids. Pay is generally lower. Or tech work for non-prof...