Search found 1531 matches

by RudyS
Fri Aug 23, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: temporary attachment to bathtub faucet?
Replies: 17
Views: 796

Re: temporary attachment to bathtub faucet?

Taking another view: rather than dumping innumerable mugs of water, it seems easier to fill a garden-type watering can once, and use that for rinsing the soft scrub.
by RudyS
Thu Aug 22, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Have you ever used a Power of Attorney for Health Care or Property (Financial) ? Tell me about it!
Replies: 23
Views: 1204

Re: Have you ever used a Power of Attorney for Health Care or Property (Financial) ? Tell me about it!

My experience was probably atypical. Father (age 88) was in a hospital in Florida, intensive care, and I flew down to do what I could. Brought a copy of medical POA. When I got there he was on life support. That was NOT his wish, and I told the nurses that this was not supposed to happen, and I had ...
by RudyS
Sun Aug 18, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable Distributions
Replies: 18
Views: 1162

Re: Qualified Charitable Distributions

Seems that if you can get the charity to give you a receipt that says that you received nothing of value, you would be OK if that's actually true, such as you forego the dinner. This would require some pretty good coordination.
by RudyS
Sat Aug 17, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 108
Views: 11076

Re: Do Bogleheads plan to utilize Independent Living facilities?

We are BH's aged 83 and 78. Moved to a CCRC 2 months ago, and are pretty well settled in. 1. How we got here: Previously lived 800 miles by car, or a whole day by air, from two grown kids. Figured it was time to give up a two story home and move to something more suitable and also closer to the kids...
by RudyS
Sat Aug 17, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable Distributions
Replies: 18
Views: 1162

Re: Qualified Charitable Distributions

Note that you must secure the same acknowledgement from the charity as you would if you were deducting a charitable contribution. This must state there is no benefit received (no quid pro quo) for the donation. Any benefit received no matter how small will negate the QCD, as the QCD requirements sp...
by RudyS
Mon Aug 12, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 2703

Re: Checking credit card statements

I used to keep every receipt and match them up with my credit card statements. Occasionally I would catch a waiter giving themselves an extra dollar or two tip. Other than that I never found any fraud. I have stopped keeping receipts and now just do a quick one minute look at my statement to see if...
by RudyS
Tue Aug 06, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: How to deal with rainy weather on Ireland trip
Replies: 21
Views: 998

Re: How to deal with rainy weather on Ireland trip

finfire wrote:
Tue Aug 06, 2019 8:43 am
If you wanted cheaper, you could always buy some water-proofing spray and put it on existing shoes.
Good idea. We do that.
by RudyS
Sun Aug 04, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 498
Views: 124618

Re: Bank of America/Merrill Edge - Preferred Rewards

I posted before about asking BoA for a small safe deposit box (which I should get free as I am Platinum Honors). I tried 3-4 branches, but they all said they had none available. A little frustrating. I don't have status at another bank to get a free box. I did get callbacks from almost all branches...
by RudyS
Sun Aug 04, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: For long time retirees, do you use a spreadsheet?
Replies: 37
Views: 2638

Re: For long time retirees, do you use a spreadsheet?

Retired 8 years and am not wildly structured. Sure I keep an eye on my total portfolio and my AA but no spreadsheets. I really don't want to get bogged down with monthly or yearly numbers, life is too short. :happy Very much the same, no spreadsheets for us. I certainly know the state of our retire...
by RudyS
Sun Aug 04, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to move to another state.
Replies: 11
Views: 1175

Re: Looking to move to another state.

A compromise option I dont think anyone mentioned is changing jobs and moving sooner than later. Just keep working a few more years in the new location that you like better. Even if the pay in your career is a bit lower in the new region, it also probably lower cost of living too. Or maybe you even...
by RudyS
Wed Jul 24, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: any numismatists (coin collectors) out there?
Replies: 22
Views: 2211

Re: any numismatists (coin collectors) out there?

If you have the time, check eBay. Look at completed/sold listings. Ignore listings with ridiculous ask prices, concentrate on what sold.
by RudyS
Sat Jul 20, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 8165

Re: Do you buy cellphone outright or pay over 2 years?

If you use your card to buy it outright, then many credit cards will give you an extended warranty benefit.
by RudyS
Sat Jul 20, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting Mileage for Business Meetings
Replies: 9
Views: 880

Re: Deducting Mileage for Business Meetings

If you have a designated office in your home for the consulting business, then I believe travel from there to the meetings would be deductible. This would be different from commuting expenses from your home to work. This is from a magazine article. I can't find an exact IRS detail in an IRS pub. Wor...
by RudyS
Wed Jul 17, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to Safely Share User IDs / Passwords with Spouse
Replies: 79
Views: 6215

Re: How to Safely Share User IDs / Passwords with Spouse

I went on to check ours since we recently appointed Agents. It looks like for our brokerage accounts, they use the term “Agent,” while for the 529s, they use “Power of Attorney.” If an Agent or POA needs to transact, all they’d need to do is phone. Online isn’t the only way to transact so passwords...
by RudyS
Tue Jul 16, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Picking up New Subaru-Worth buying extended warranty?
Replies: 58
Views: 15170

Re: Picking up New Subaru-Worth buying extended warranty?

Check with dealer, but I was told I can wait ti;ll the original warranty is about to run out. In any case, make sure the warranty includes everything (except wear parts), and get it from the dealer.
by RudyS
Mon Jul 15, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to Safely Share User IDs / Passwords with Spouse
Replies: 79
Views: 6215

Re: How to Safely Share User IDs / Passwords with Spouse

Looks like Vanguard is now calling Agent Authorization "POA": https://personal.vanguard.com/us/litfulfillment/ELFMainResults?cat=MAFM&subCat1=GACC&subCat2=GRET I went on to check ours since we recently appointed Agents. It looks like for our brokerage accounts, they use the term “Agent,” while for ...
by RudyS
Sun Jul 14, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 7427

Re: I think i can spend 30k on this vacation, but wife not sure

Money is not the issue. Business class or premium economy is not the issue. You and your wife need to figure out what is the "elephant in the room" (pun!) I am convinced you are looking for rationalization rather than an answer. I'm not a psychologist, nor a lawyer, nor much of an expert on many thi...
by RudyS
Fri Jul 12, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to Safely Share User IDs / Passwords with Spouse
Replies: 79
Views: 6215

Re: How to Safely Share User IDs / Passwords with Spouse

Looks like Vanguard is now calling Agent Authorization "POA": https://personal.vanguard.com/us/litfulfillment/ELFMainResults?cat=MAFM&subCat1=GACC&subCat2=GRET I went on to check ours since we recently appointed Agents. It looks like for our brokerage accounts, they use the term “Agent,” while for ...
by RudyS
Thu Jul 11, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Why Is Cord Not Included?
Replies: 32
Views: 3992

Re: Why Is Cord Not Included?

Disposer came without cord. Rather than buy the kit, I switched the old one.
by RudyS
Wed Jul 10, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Supplemental Medicare Question
Replies: 6
Views: 626

Re: Supplemental Medicare Question

Medicare.gov has a good tool for identifying, and selecting from, the plans available in your area. There are many outfits that will help you find a plan, but for the most part these are licensed brokers who will make money from this. Start with the medicare.gov site.
by RudyS
Wed Jul 10, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Volunteer suggestions
Replies: 55
Views: 2830

Re: Volunteer suggestions

Another vote for the tax assistance programs (TaxAide and VITA). It provides a great service. I started with TaxAide when I first retired in 2000 and we used pencil and paper. There are roles in the program in addition to the preparation of returns: training other volunteers, site coordination, etc....
by RudyS
Fri Jul 05, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: How to find senior living options?
Replies: 19
Views: 1949

Re: How to find senior living options?

Are upfront deposits typical or negotiable? MIL looked at a continuing care place today that required a $70k deposit. Most was refundable if she left but that seemed steep. This sounds like a CCRC? Also called a Life Planned community or some such. CCRCs usually have one or more types of contracts:...
by RudyS
Thu Jul 04, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Replacing broken glass on outdoor light lantern
Replies: 14
Views: 1167

Re: Replacing outdoor light lantern

Bogle7 wrote:
Thu Jul 04, 2019 11:29 am
steadyhand wrote:
Wed Jul 03, 2019 6:16 pm
buying replacement glass from them may be easier.
Easier will buying a new complete light lantern.
try ebay
by RudyS
Fri Jun 28, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: What major life expenses are you planning for pre/post retirement?
Replies: 16
Views: 2261

Re: What major life expenses are you planning for pre/post retirement?

There are no guarantees you'll be able to stay at the actual CCRC even if your upfront payment covers all levels of care. My grandparents moved into a two-bedroom cottage at the 'best' CCRC here in town...grandfather died after a decade, grandmother a decade after that. During that time the CCRC ad...
by RudyS
Thu Jun 27, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: What is the sentence for laminating a Medicare Card?
Replies: 50
Views: 13782

Re: What is the sentence for laminating a Medicare Card?

The penalty for laminating a social security card, or even putting a piece of Scotch tape across the number, is that in Massachusetts you cannot get a Real ID when you apply for, or renew, your drivers license. Just happened to me at the RMV. They do warn you online.
by RudyS
Thu Jun 27, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: What major life expenses are you planning for pre/post retirement?
Replies: 16
Views: 2261

Re: What major life expenses are you planning for pre/post retirement?

For me, the potential of long term care expenses is by far the biggest unknown. Significant inflation is a secondary concern. Potential decreases in Social Security and the like are a third, but lesser concern. Long Term Care might be addressed by signing up for a Continuing Care Retirement Communi...
by RudyS
Mon Jun 17, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4860

Re: 40+% increase in auto policy (GEICO) - normal?

Many, many decades ago - I had 12 month policies - but with State Farm - for the past 45+ years, I believe all have been six months. Do some (or many) companies commonly offer 12 month policies? Yes, amica, liberty mutual, etc. And some regional companies I know that only do business in the east co...
by RudyS
Sun Jun 09, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Del webb in Florida
Replies: 20
Views: 2590

Re: Del webb in Florida

A relative is quite happy the community in Ocala. <Maybe a bit north for you based on your list of candidates.
by RudyS
Sun Jun 09, 2019 6:46 am
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 3961

Re: Preventing Identity Theft

If your bank has the option set limits or even lock your debit card, only unlocking when you actually need cash. And never use except to get cash from an ATM. Open a Credit Karma account before you freeze your credit. May depend on the bank, but both my bank and credit have, upon my request, issued...
by RudyS
Wed Jun 05, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: Massachusetts Auto Insurance "Safety Insurance"
Replies: 17
Views: 934

Re: Massachusetts Auto Insurance "Safety Insurance"

Are you sure the Geico quote is for a full year? They often quote 6-month prices. And as you're seeing, the MA insurance market is weird. It's highly regulated, so many of the 'big' players don't write policies here. We're with Safety for our RV/Race car hauler. Never had a claim, so can't comment ...
by RudyS
Wed Jun 05, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Massachusetts Auto Insurance "Safety Insurance"
Replies: 17
Views: 934

Re: Massachusetts Auto Insurance "Safety Insurance"

Thanks again for all your responses. I think I'm down to choosing between Amica and Geico. The Geico quote at $667 per year is MUCH below Amica at $1450 per year. I have compared the coverages to be sure they are comparable. I'm a bit afraid to go with Geico because it is SO much cheaper. Almost lik...
by RudyS
Sun Jun 02, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Massachusetts Auto Insurance "Safety Insurance"
Replies: 17
Views: 934

Re: Massachusetts Auto Insurance "Safety Insurance"

Thanks everyone for your helpful comments. I am in the process of following up on the suggestions. Interesting item so far: the agent who recommended Safety, and gave me a quote on the phone, apparently couldn't access my (out of state) drivers record and suggested I get a copy for a more accurate q...
by RudyS
Fri May 31, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Massachusetts Auto Insurance "Safety Insurance"
Replies: 17
Views: 934

Massachusetts Auto Insurance "Safety Insurance"

We've made our move to a CCRC in Massachusetts and, among other things, need to get auto and renters insurance. We've been with AAA for auto. Auto-Owners which provided our homeowners insurance does not operate here, I had an Independent Agent get me a quote. They came up with a company called Safet...
by RudyS
Mon May 13, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: Mosquito Magnet
Replies: 4
Views: 749

Re: Mosquito Magnet

I'm married to one. At least she says so!

Sorry, just couldn't resist that one as soon as I saw the title!
by RudyS
Sun May 05, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Q re real-estate attorney POA and sale of house owned partly by living trust
Replies: 5
Views: 442

Re: Q re real-estate attorney POA and sale of house owned partly by living trust

Similar situation. Might depend on the state, as well as requirements of title company or mortgage company. But here's my story (still under way): Realtor says it's easy. I give her a limited POA to sign the papers at closing. I will have the dollar figures in advance so she can be instructed proper...
by RudyS
Fri May 03, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 136
Views: 6923

Re: Received email and PDF allegedly from Apple

I wondered about the risk of just opening email, without clicking on anything inside. I found this. Seems there was a [problem which seems to have been remedied.
https://www.howtogeek.com/135546/htg-ex ... n-you-can/
by RudyS
Wed May 01, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: How much cash in Reykjavik and Dublin
Replies: 19
Views: 1664

Re: How much cash in Reykjavik and Dublin

No tipping at all in Iceland.
by RudyS
Wed May 01, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Should we go out of state during a painting project?
Replies: 14
Views: 1184

Re: Should we go out of state during a painting project?

I would want to be there when the first paint goes on the wall to verify the color, not wait till the whole house is done.

I'm not a pro, but I always do the ceiling first, then the trim and walls. No way for the paint going on the ceiling to spatter onto the walls.
by RudyS
Tue Apr 30, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: How much cash in Reykjavik and Dublin
Replies: 19
Views: 1664

Re: How much cash in Reykjavik and Dublin

msi wrote:
Sun Apr 28, 2019 1:15 pm
You don't need cash in Reykjavik at all. Even buying street food or using a taxi, they take credit cards.
Even (some) pay toilets take credit cards in Iceland! Went on a pre-paid tour, never needed cash. All gratuities even tour guides were included. (Tauck Tours).
by RudyS
Mon Apr 29, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 188
Views: 20195

Re: Man’s life savings stolen from hijacked cellphone number

midareff wrote:
Sun Apr 28, 2019 8:29 am
Maybe I'm too old fashioned. Home computers are for financial transactions. Cell phones are for calls and email and contain no financial information.
Agree! I'm not only old-fashioned, but actually old! That's been my practice for a long time.
by RudyS
Sun Apr 21, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 46
Views: 6248

Re: Is Crown Molding Out-of-Style?

Stop watching hgtv. Stop asking if something is out of style. Do you like crown molding? If you like it and want it, get it. Stop being influenced by others. +1 - so important. Develop your own sense of style. I personally don’t like gray which s so popular. Don’t like open concept either. In 20 ye...
by RudyS
Sun Apr 21, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: When to get attorney after car accident?
Replies: 27
Views: 3337

Re: When to get attorney after car accident?

My suggestion is you at the least try for a free initial consultation from an attorney specializing in such things. Based on your post, there are so many present and potential issues that you need to protect yourself. Do not sign anything, and do not give further information other than "I am not sur...
by RudyS
Sat Apr 13, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax on Real Estate Sale
Replies: 3
Views: 482

Re: Capital Gains Tax on Real Estate Sale

IRS Publication 17 (available at irs.gov), and sometimes other pubs referenced therein, are a great source of detailed information. If somehow your answer isn't there, please come back and ask again. Sorry I don't know the answer offhand.
by RudyS
Mon Apr 08, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Received offer on house with contingency for prior sale
Replies: 18
Views: 1642

Re: Received offer on house with contingency for prior sale

Update: the potential buyers were able to sell their house, then made me an offer, which I accepted. Thanks everyone for your comments.
by RudyS
Sun Apr 07, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Self-Insurers: How are you planning and investing for old age care?
Replies: 47
Views: 3137

Re: Long Term Care Self-Insurers: How are you planning and investing for old age care?

I don't want to turn this thread into a discussion of CCRCs. One thing that troubles me about CCRCs is that you become locked in to a CCRC once you've bought in, and you can't relocate to a different facility or different area if things change, and some of us want more mobility. Without changing th...
by RudyS
Sat Apr 06, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Extended warrenty for refrigerator
Replies: 18
Views: 1001

Re: Extended warrenty for refrigerator

Do you have a credit card that gives you an extended warranty on purchases?
by RudyS
Sat Apr 06, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: What? No Income?
Replies: 62
Views: 7405

Re: What? No Income?

The question is what are you going to do with your time off? Is there something you want to do instead of work? Personally, I thought my goal was to retire early, but figured out I have nothing to do that I like more then my current gig (physician). I like helping folks and the social aspect of bei...
by RudyS
Tue Apr 02, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Cross Country Move
Replies: 10
Views: 1179

Re: Cross Country Move

Consider United's SnapMove service. Containers like PODS or ABF, but they do the loading and unloading. And packing, etc., too if you want. We are considering this for a move from Midwest to new England. 3 containers is about $4000. Part of a downsize from 4 BR house to 2 BR apartment.
by RudyS
Tue Apr 02, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Inapplicable W-2
Replies: 6
Views: 326

Re: Inapplicable W-2

I suppose they could issue a "corrected" form showing $1 in wages.