Search found 3575 matches

by mouses
Wed Sep 19, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 9
Views: 466

Re: Home away from home

I'm thinking maybe get an apartment if the company would fork out for that? 1/4 of his life is a lot of time to spend in a hotel. Or he might make an arrangement with the extended stay hotel to leave some clothes, etc., there, have them cleaned, to minimize what he has to carry back and forth. (Alre...
by mouses
Wed Sep 19, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Dad Died - Handling Mom's Finances
Replies: 12
Views: 1606

Re: Dad Died - Handling Mom's Finances

I am sorry about your Dad. My sympathies to you and your Mom.
by mouses
Tue Sep 18, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank is the Devil
Replies: 45
Views: 5187

Re: Chase Bank is the Devil

If you want to be treated nicely, "bank" with a local credit union, preferably a small one. (All the ones I have accounts at belong to a network of cus so that you can use ATMs nationwide and do transactions at branches of other cus in that network.)
by mouses
Tue Sep 18, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 58
Views: 5011

Re: I see now why Rollovers can take FOREVER ....

I was trying to help my cousin roll over a CD IRA from Wells Fargo about 4 years ago. I have some IRA CDs in credit unions. Are you saying that getting these money back to Vanguard would be a problem? Victoria Possibly. I had some IRA CDs at a small credit union and initiated a trustee to trustee t...
by mouses
Tue Sep 18, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5011

Re: 38% pay cut for dream job?

OP, leap on this job. I never regretted taking taking a more interesting job for less money.
by mouses
Tue Sep 18, 2018 6:11 am
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2461

Re: How can I buy ALIBABA and TENCENT stock?

Note that Alibaba sells shark fins. These are cut off the sharks while they are alive and then the animals are thrown back into the water.
by mouses
Tue Sep 18, 2018 3:01 am
Forum: Personal Finance (Not Investing)
Topic: Insurance asking to repay for services not provided
Replies: 20
Views: 2182

Re: Insurance asking to repay for services not provided

I am not a lawyer nor a dentist, but I would not pay the insurance company. I would write a detailed letter to the insurance company, ccing it to the dentist and the state dental board (the latter will likely not do any good, since I can tell you from experience that state medical boards do not get ...
by mouses
Mon Sep 17, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 36
Views: 2363

Re: Solar Install w/ SolarCity

Interesting analysis. As others have mentioned, that is too long of a break-even to interest me. Here in Arizona, solar sounds great, but there is quite a penalty from the electric company (fees) for going with solar. We looked into it, but our relatively low use of AC would make the payoff even lo...
by mouses
Sun Sep 16, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: How to start a website?
Replies: 12
Views: 1208

Re: How to start a website?

It's been years, but I registered one at GoDaddy and my hazy recollection is they hosted it. A word about creating the website. A lot of websites nowadays seem to be designed for smartphones and look wretched on laptops or pcs. They also have pale small type. (This why chrome has a builtin darkening...
by mouses
Sun Sep 16, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1265

Re: Embarking on a large-scale home update

I'll have to come back later and read the whole thread, but this sounds great. I am a little nervous about your not having a known good general contractor. At least one bathtub. Many people including me would not buy a house without a bathtub. I am in the middle of a "small" project and I am going c...
by mouses
Sun Sep 16, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 126
Views: 8118

Re: Considering Quitting Job - Seeking Advice. Would you do it?

OP, it is not being a quiter to not let a company take advantage of you. It is, sorry to be blunt, foolish to let the company do so.
by mouses
Sat Sep 15, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 126
Views: 8118

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I had a job like that for a year. Our manager was always promising to hire more staff and never did. I looked, found a better job, and happily left. The only reason I stayed for a year instead of six months is the company had paid major bucks for my moving expenses, temp housing, and I would have ha...
by mouses
Sat Sep 15, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 90
Views: 3817

Re: I need a chainsaw to trim branches and limbs!!

Electric chain saws do not have the power as a gas chain saw. Are good for up to 5 inches dia branches. Then when I tried to use my 2 cycle gas chain saw 2 years ago the carburetor was all gummed up (gas and oil mixture), and a new carburetor would have cost as much as a new chain saw. Whenever you...
by mouses
Sat Sep 15, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 27
Views: 1713

Re: HOA Donation in Remembrance of Deceased Owner

I would suggest they send a nice card.

My first impression was, heck, flowers, do it, but I can see "charities" I would not want my money going to support.

I don't think board members should be treated differently from other members.
by mouses
Sat Sep 15, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Mom has retired and I need to help
Replies: 12
Views: 2068

Re: Mom has retired and I need to help

Just as a side comment, depending on you Mom's income tax bracket, she might look at doing conversions from her Traditional IRA to Roths a bit each year, not enough to raise her taxes significantly. That didn't dawn on me until I wasted a few years when I could have done conversions for low tax hits.
by mouses
Sat Sep 15, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 133
Views: 6611

Re: How real is cyber risk?

Also, Vanguard offers Voice Verification for transacting business over the phone. I would encourage everyone to go through the process of establishing the voice print. Why? Because if you don't someone else pretending to be you could. If the impostor has the correct answers to any questions the Van...
by mouses
Sat Sep 15, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6361

Re: Hurricane Florence - survival guide

I just thought I'd be a downer here, and post that apparently the major problem with Florence is the giant amount of rain, almost unbelievable, like 2 feet in places, due to the warmer atmosphere holding more water until it doesn't. I remember reading that one of the southwest(?) storms, was it Harv...
by mouses
Sat Sep 15, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Critical Account
Replies: 20
Views: 2414

Re: Critical Account

I would leave it in the credit union account so that she has immediate access to it without any hassle. The minor amount of additional money it would earn in the Vanguard fund is not worth the stress on her when she is also dealing with your passing. I would also make it $10,000, as you are consider...
by mouses
Fri Sep 14, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: New Light bulbs
Replies: 19
Views: 1722

Re: New Light bulbs

Another vote for 2700.

I avoid Phillips ever since I bought some incandescents and every one broke at the base when they burned out and I removed them.

I am not a fan of LEDs.

I most recently bought CFL Sylvanias from lightbulbs.com.
by mouses
Fri Sep 14, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Andrews Fed Credit Union CD opened 2/17 for 3% for 7yrs
Replies: 4
Views: 499

Re: Andrews Fed Credit Union CD opened 2/17 for 3% for 7yrs

Why would you guarantee yourself a lower rate for the next 2 years. I am not understanding what you are doing.
by mouses
Fri Sep 14, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Any options after house fire?
Replies: 4
Views: 436

Re: Any options after house fire?

Are you asking if you are required to rebuild the house? You aren't required to do that, but your insurance settlement will likely be less than if you did rebuild. In other words, under most insurance policies, the insurance company is only required to pay you the full replacement cost of the house...
by mouses
Thu Sep 13, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 126
Views: 16325

Re: Vanguard - You'll need to sign up for security codes soon

I don't have a phone (recently retired with no cell or landline nor any intention of obtaining one anytime soon). The majority of my investments are with Vanguard. I have an iPad I use to text and email, but apparently Vanguard is insisting upon a telephone number. Am I going to have to quit Vangua...
by mouses
Thu Sep 13, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 90
Views: 3817

Re: I need a chainsaw to trim branches and limbs!!

Also, if you're just trimming branches and limbs, a chainsaw is probably overkill. Especially if it involves climbing and being on a ladder and all... don't do that as an amateur. A pruning saw is probably all you need.... and quite a bit safer. Agreed. I think a battery powered reciprocating saw (...
by mouses
Thu Sep 13, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Pet insurance
Replies: 31
Views: 2705

Re: Pet insurance

I've spent into the five figures for two pets with chronic problems. I do not have pet insurance. There is not the million dollar risk that human medical conditions can involve, and it's bad enough struggling with insurance companies about my own care, delays of procedures waiting for approvals, etc...
by mouses
Thu Sep 13, 2018 2:20 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2450

Re: Anyone into Essential Oils?

I wouldn't recommend them at all. Since you're asking about more affordable, buy some Febreeze air freshener instead. If she has allergies, Febreze could be a major irritant. It feels like it makes my entire head seize up. If she like essential oils, why not buy them. Unless $55 a month is going to...
by mouses
Thu Sep 13, 2018 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Laid Off, Considering Multiple Options - Which Would You Recommend?
Replies: 39
Views: 5313

Re: Laid Off, Considering Multiple Options - Which Would You Recommend?

One of my brothers does extremely well as an independent consultant. A friend laid of by a Megacorp now makes more money as a contractor working for them, even including having to pay for benefits they previously paid, than she did working for them directly. I was not expecting this situation to las...
by mouses
Wed Sep 12, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6361

Re: Hurricane Florence - survival guide

I do need power to survive in the depths of summer. I would not last long with no AC with temps in the nineties. Perhaps that is age dependent. In winter one could burn wood or etc., if you don't have asthma, which both the cat and I do, although I have the idea there are wood or whatever burning st...
by mouses
Wed Sep 12, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6361

Re: Hurricane Florence - survival guide

FWIW - after hurricane Sandy much of the natural gas lines were either down or tainted with water for a week or more. We can run dual fuel but typically stay with gasoline as it is within our control and easily planned. Ugh. And here I was thinking I had power loss covered. The problem with gasolin...
by mouses
Tue Sep 11, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9612

Re: [New Vanguard website layout starting Saturday, August 11]

I miss the red type on yellow background. That used to be really easy to read.

Every day it seems another website gets wrecked,
by mouses
Tue Sep 11, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6361

Re: Hurricane Florence - survival guide

They then proceeded to start their generator and attempted to turn on every appliance in the house destroying their generator. What? How is this possible? I am forking out for a Generac natural gas automatic generator scheduled to be installed in a couple of months, due to the queue. My understandi...
by mouses
Tue Sep 11, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6361

Re: Hurricane Florence - survival guide

I have stuff stocked up all the time, including meds for me and my pet and food for him. Batteries, devices charged, candles, matches, lanterns, water, emergency radio. I always have a list of things such as insurance policy numbers and phone numbers in my pocketbook. I have a hurricane list of thin...
by mouses
Tue Sep 11, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 29
Views: 1579

Re: where to learn to sew?

The scissors she would want are Ginghers. However it turns out Fiskars bought them and they are now primarily sold more or less, Fiskars tells me, at:

https://www.joann.com/search?q=ginghers

I don't know if this has affected the quality.
by mouses
Tue Sep 11, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 2996

Re: Remodel for aging in place

I would vote for an elevator as well, except I would worry about getting stuck in one in a power failure. I wonder if there is some way to handle that. I have seen pictures of really gorgeous indoor elevators with fronts that look like closet doors. I guess those are the $100,000 ones. Do you really...
by mouses
Mon Sep 10, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25%
Replies: 31
Views: 4291

Re: NASA FCU- 15 month CD 3.25%

It looks like you have to open a savings account with $5, and there doesn't seem to be any fee attached to that, or to a CD. Every credit union I have been a member of requires a share account with a minimum of $5 in it to be a member. Some credit unions in my area are offering 3 to 3.25% approxima...
by mouses
Mon Sep 10, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5037

Re: Advice on how to deal with barking dogs

I have not read all the replies, but dogs kept outside 24/7 with minimal shelter is animal abuse. I would call animal control about this if for no other reason. Keep in mind that if animal control confiscates the dogs, they may euthanize them, but that is probably better than the dogs' ongoing suffe...
by mouses
Sun Sep 09, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 29
Views: 1579

Re: where to learn to sew?

Every store I've ever seen that sells both sewing machines and fabric also has classes.

There is a lot of sewing she can do by hand and then once she's familiar with it decide how fancy a machine she wants. Some of the machines do embroidery, etc.
by mouses
Sun Sep 09, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 29
Views: 1579

Re: where to learn to sew?

My daughter would like to learn sewing, what is a good place for a reasonable price? Thanks A lot of libraries now have maker spaces with sewing machines. You might call around. I had not heard of that. In my area libraries are run by the county. If you want to use a library that is not in your cou...
by mouses
Sat Sep 08, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2346

Re: What performance to expect from central AC?

You don't actually know the max temperature drop is 7-11 degrees; It may be that 73 or 74 is the lowest degree setting it can reach. My thermostat is set with limits. 73 or 74 is pretty darn nippy, to a woman anyway. Who set the limits? Is this a rental home where the owner pays for utilities? Didn...
by mouses
Sat Sep 08, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2104

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

Outside: that’s what rain is for. Inside: once a year or so, or if I expect to be carrying guests soon. :D I don't park my car outside, ever since a hailstorm. I vacuum it when I notice it needs it. My shop vac is in the garage near where the car is parked, so that's convenient. I use a do it yours...
by mouses
Sat Sep 08, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2346

Re: What performance to expect from central AC?

You don't actually know the max temperature drop is 7-11 degrees; It may be that 73 or 74 is the lowest degree setting it can reach. My thermostat is set with limits. 73 or 74 is pretty darn nippy, to a woman anyway.
by mouses
Sat Sep 08, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1658

Re: Buy a house that needs full renovation?

I love old houses, so if this were a Victorian, etc., and I had a lot more than $100,000 to spend, maybe two or three times as much, I would probably buy it. But it takes a special mindset to live with ongoing renovations for years for the sake of a wonderful house at the end. Otherwise, no. This is...
by mouses
Sat Sep 08, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: windfall
Replies: 22
Views: 1951

Re: windfall

What cherijoh said.

You are a long way from being able to retire, and my first thought was, that income and comparatively little savings, what's going on?

What are you spending money on, what are your annual expenses, what is the value and situation with your current house?
by mouses
Fri Sep 07, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4141

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

All the time spent on this thread, and we have no idea what's going on. Surely there are better ways to spend our time.
by mouses
Fri Sep 07, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 14868

Re: The Fall of Consumer Reports

Indeed. I knew something had changed when I was talking to a language companion in Spain, who mentioned that she never read newspapers or watched TV news. I asked her how she gets her news and she said "Facebook." Until facebook did away with its news runner in its top right corner. Now it's pretty...
by mouses
Fri Sep 07, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Recommendations
Replies: 7
Views: 874

Re: Insurance Recommendations

Ring would be a rider on renter's insurance. AMICA. +1 for AMICA. I have them for auto, homeowners, and umbrella liability. They do two kinds of premiums, one just straight and one as a member who gets an annual dividend back. The last one is cheaper once the dust settles, but it looks expensive if...
by mouses
Thu Sep 06, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Midflorida credit union?
Replies: 1
Views: 252

Re: Midflorida credit union?

It took me about ten minutes to find CD rates on the bofa website vs. ten seconds on local credit union websites. bofa seems to be offering a whopping 1% in my zip code. Several credit unions here are offering 3+% on 2 year CDs. Plus bofa never overlooks a chance to screw over its customers.
by mouses
Thu Sep 06, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8090

Re: Scaring the Old Folks

dogagility wrote:
Thu Sep 06, 2018 6:18 pm
livesoft wrote:
Thu Sep 06, 2018 2:39 pm
I've had 6 restaurant-prepared meals just this week for $22.
You must eat like a mouse, livesoft! :P
I would like to know what those meals were :-)
by mouses
Thu Sep 06, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 4573

Re: To Be or Not to Be...Married

What is your income and net worth? I make about $180K all in. Networth about $500-$600K He makes about $60K. Networth -$200K due to the student loan. gazelle1991, The numbers are getting weirder by the minute. 1) So, he has 250K in student loan but the income is about 60K. 2) And, his net worth is ...
by mouses
Thu Sep 06, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Sell our new home to downsize
Replies: 37
Views: 3405

Re: Sell our new home to downsize

Sounds reasonable, unless in ten years you have 3 kids and you decide you need more space, better schools, and are then paying the transaction costs to go buy home #3 at a price more than you paid for this house. Are you confident you'd be able to stay in the replacement home (#2) until the kids ar...
by mouses
Wed Sep 05, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 31
Views: 2813

Re: Experience With No Car? (Uber/Lyft)

Alexa9 wrote:
Wed Sep 05, 2018 5:38 pm
Good to hear some positive feedback. I am hesitant to use a bike just because the cars are so crazy around here.
We need to be more like the Scandinavian countries, where so many people bike that the roads are very bike friendly.