Search found 3473 matches

by mouses
Sun Aug 19, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 34
Views: 2199

Re: Sellers beware on eBay.

Etsy has a surprising amount of things that one would not expect, given its craft-oriented reputation. I don't know how they treat sellers.
by mouses
Sun Aug 19, 2018 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Apartment Decision After Divorce- Please evaluate my thinking
Replies: 30
Views: 2509

Re: Apartment Decision After Divorce- Please evaluate my thinking

I would also be much more oriented towards how the place is for a kid that the slight possibility you can avoid more noise by getting a top floor apartment. Sleeping in the living room is not like having a bedroom of the kid's own. Maybe you should reconsider having 50-50 custody, given your priorit...
by mouses
Sun Aug 19, 2018 1:24 am
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 64
Views: 3398

Re: What kind of medical events that may ruin your retirement?

Luekemia, unknown causes, in your 50s possibly curable with chemo, in your 70s expect short-term hospice for comfort care only. All together also about $100,000 for acute phase. What? A 70 year old is thrown into the bit bucket for something possibly curable when they may live 20-25 years additional?
by mouses
Sat Aug 18, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: web login required
Replies: 0
Views: 197

web login required

It's stretching it to call this a consumer issue, but here goes. I read email via thunderbird on my laptop. I have two addresses, one at cox and one gmail. I normally connect with a cable modem. That all works fine, However, when cox is down in my area I use a consumer cellular mobile hotspot to con...
by mouses
Sat Aug 18, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 1783

Re: Soap for hand washing dishes

I think there is probably room on the kitchen sink for the products each of you prefers. I assume no one has keeled over from eating off the dishes your wife washes.
by mouses
Fri Aug 17, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to Treat "Negative" Basis in Nondeductible IRA
Replies: 50
Views: 1791

Re: How to Treat "Negative" Basis in Nondeductible IRA

If you have a negative basis, wouldn't that mean you converted more to Roth tax free than allowed? Whether the above is correct or not, I don't see how you could have a negative basis. I think a negative number on line 14 means you've screwed up somewhere. +1 (This type of thing is one reason why I...
by mouses
Fri Aug 17, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Continue flood insurance after mortgage paid off?
Replies: 15
Views: 965

Re: Continue flood insurance after mortgage paid off?

I can’t imagine anything worse then Harvey but we have not been here long enough to understand was Harvey a normal reoccurring event that could be worse next time or one that will never happen again. Put your money on recurring. My understanding is that the warmer temperatures increase the ability ...
by mouses
Fri Aug 17, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Helping mother-in-law after her husbands passing
Replies: 20
Views: 1301

Re: Helping mother-in-law after her husbands passing

I think that some life insurance policies that do not pay out in the event of suicide only have that restriction in place for the first year or two.
by mouses
Fri Aug 17, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Elderly Relative Short on Money
Replies: 91
Views: 6747

Re: Elderly Relative Short on Money

She spends a lot of time with my 3 children, and is very selfless and helpful with them. I think when her other job goes away, we will start paying her around $500 a month for help with child care. I don't think it makes sense for her to work for minimum wage in an unfulfilling job when she loves s...
by mouses
Fri Aug 17, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Elderly Relative Short on Money
Replies: 91
Views: 6747

Re: Elderly Relative Short on Money

I haven't had time to read all the posts, but here are my two cents: I think her living that close to you is a good thing. Twenty minutes doesn't sound like much of a commute, but it is a big item if she gets ill and needs your help, commuting to care for your kids, etc. I think you and your BIL sho...
by mouses
Thu Aug 16, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 5711

Re: Terminating an employee with company car

Why would company care how employee commutes back to his home is beyond me? Because in some areas it would leave them stranded. My area has no taxi service. One has to walk miles to find a bus which is likely not going anywhere near where you live, even if you had any idea of where the bus stops an...
by mouses
Thu Aug 16, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 5711

Re: Terminating an employee with company car

Not everyone has someone who can pick them up, nor does everyone want relatives and friends to know they've just been fired until they've had time to process it. No, don't drive them home yourself. A relative was fired while traveling with his boss, the new owner of the company, on an airplane and h...
by mouses
Thu Aug 16, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 33
Views: 2568

Re: Discarding dead cell phone without purging my data

munemaker wrote:
Wed Aug 15, 2018 4:19 pm
Do what I do with old hard disk drives. Beat it to death with a sledge hammer and drop it into a very deep lake.
Don't trash lakes.
by mouses
Wed Aug 15, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3050

Re: Best consumer products - made in USA

Most NordicWare is made in the U.S. Their microwave egg boiler should be in every home.

Pendleton blankets.
by mouses
Wed Aug 15, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Chevy Volt for Commute
Replies: 23
Views: 1769

Re: Chevy Volt for Commute

I think the preferred car is the Prius (Toyota reliability/quality, hybrid rather than plug in) among the majority of Bogleheads. Thank you, I will see what Prius models are allowed on the carpool lane, likely the Prime only. Apples and oranges. The Volt should be fun to drive; Prius is a chore. :D...
by mouses
Tue Aug 14, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 58
Views: 4592

Re: Marriage

willthrill81 wrote:
Mon Aug 13, 2018 5:48 pm

I don't understand how some married people can share everything but their money. It's as though money is some special sacred cow that even matrimony can't touch.
It's because they did that and then the other person walked out the door. Having one's own savings is security.
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: 10
Views: 968

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: 2821

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: 2330

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: 2535

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: 23
Views: 4482

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: 27
Views: 2024

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: 55
Views: 7136

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: 23
Views: 4482

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: 23
Views: 4482

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: 1593

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: 4558

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: 7408

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: 44
Views: 5505

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: 7408

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: 8408

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: 1579

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: 1579

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: 1579

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: 1579

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: 1553

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: 1080

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: 109
Views: 6645

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: 2328

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: 3069

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: 2328

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: 4571

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: 4571

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: 6422

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: 109
Views: 6645

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: 109
Views: 6645

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: 967

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: 3027

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...