Search found 1305 matches

by mrc
Thu Apr 18, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Smoke detectors
Replies: 36
Views: 1638

Re: Smoke detectors

As a retired insurance loss prevention engineer for the best protection, it is recommended both (ionization and photoelectric) technologies be used in homes. In addition to individual ionization and photoelectric alarms, combination alarms that include both technologies in a single device are avail...
by mrc
Sun Apr 14, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Minor received 1099-MISC for Internship
Replies: 27
Views: 1529

Re: Minor received 1099-MISC for Internship

Perhaps this note on the turbotax website will help: 1099-MISC for a stipend payment - where do I put it?
by mrc
Sun Apr 07, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Should I regularly replace the water filter in the fridge?
Replies: 50
Views: 3934

Re: Should I regularly replace the water filter in the fridge?

I have a whole house water filter (sediment X2, deacidifier, and iron via softening). I replaced the filter on a new fridge after about 2 years, and haven't since. I just reset the minder whenever it trips. The cartridges are quite expensive.
by mrc
Sun Mar 31, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: Too late to go after driveway guy?
Replies: 21
Views: 3099

Re: Too late to go after driveway guy?

This sounds like a sunk cost. Write it off as experience to hire only reputable contractors for work like this. You can go after the guy, but you'll never recover enough to cover the initial cost plus remove the shoddy work. He doesn't have it. Get three bids next time, plus check the license and in...
by mrc
Sat Mar 30, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: TVs: OLED vs. QLED
Replies: 52
Views: 3911

Re: TVs: OLED vs. QLED

I just checked out Cleveland Plasma's web site and was puzzled to see that they don't list the prices for any model, nor do they have any information about the various models for sale. Everything just says "due to manufacturer's restrictions on this exact model please call" for details. I call BS o...
by mrc
Sun Mar 24, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Lock Strategy for New House
Replies: 40
Views: 2647

Re: Lock Strategy for New House

supalong52 wrote:
Sun Mar 24, 2019 1:57 pm
What are other people doing for locks, and does anyone see any issues with our plan?
A minimum of three large dogs.

Exterior lights at night.

Anyone—if they want to badly enough—can break into your house. I want them to pick another house.
by mrc
Sat Mar 23, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: 1/4 inch drywall over existing walls when remodeling?
Replies: 11
Views: 1962

Re: 1/4 inch drywall over existing walls when remodeling?

That may affect the reveal on the casing moldings around the windows, doors, and baseboard. Resetting that can be tricky, and leaving it alone can look funny. That veneer solution is an effective technique for ceilings, but walls are tricky.
by mrc
Fri Mar 22, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 149
Views: 17630

Re: Why should FEHB members buy Medicare Part B?

Several people have mentioned the “never pay out of pocket” angle. But if you pay an additional $1600 in premiums a year for Part B to avoid $1000 in co-pays — for example —that is a pretty high price. I understand that there are good reasons to take Part B and FEHB, but not paying anything out-of-...
by mrc
Fri Mar 22, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should we have renters insurance?
Replies: 68
Views: 3333

Re: Should we have renters insurance?

IMHO a tenant should always buy renter's insurance if they can afford it. For one, it may be required under the terms of the lease. That is a great point—many leases require tenants to carry renters insurance. That was one of the terms of my mother's lease that stood out to me. Heaven help a tenant...
by mrc
Fri Mar 22, 2019 5:41 am
Forum: Investing - Theory, News & General
Topic: Can I still do a Mega Backdoor Roth Conversion for 2018?
Replies: 12
Views: 1046

Re: Can I still do a Mega Backdoor Roth Conversion for 2018?

The backdoor is a conversion, not a contribution. So it must be done in the tax year proper.
by mrc
Tue Mar 19, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 149
Views: 17630

Re: Why should FEHB members buy Medicare Part B?

One question I have not been able to resolve is as follows: In the BCBS brochure they make distinction between "preferred" providers and "participating" providers. Those with BCBS-Standard may go to "participating" providers that are not "preferred," at reduced coverage. But those with BCBS-Basic a...
by mrc
Tue Mar 19, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should we have renters insurance?
Replies: 68
Views: 3333

Re: Should we have renters insurance?

No we do not have umbrella insurance yet. I thought I read on this site that you shouldn't worry about umbrella until you have a NW of $1MM as a general rule of thumb. Do you disagree with that? If we get umbrella insurance I assume this covers the liability that you describe above - this is separa...
by mrc
Tue Mar 19, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 126
Views: 7621

Re: Tesla Model Y

I placed an order for a red LR AWD. Ouch! Red is a $2500 option. The quoted price for a LR Y of $46700 is really $51000, because the listed price assumes $4300 in "6-year estimated gas savings." I suppose Tesla fans research the heck out of their purchase, but this seems deceptive on its face. It's...
by mrc
Tue Mar 19, 2019 4:36 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 126
Views: 7621

Re: Tesla Model Y

fareastwarriors wrote:
Mon Mar 18, 2019 2:48 pm
I placed an order for a red LR AWD.
Ouch! Red is a $2500 option.

The quoted price for a LR Y of $46700 is really $51000, because the listed price assumes $4300 in "6-year estimated gas savings."

I suppose Tesla fans research the heck out of their purchase, but this seems deceptive on its face.
by mrc
Sun Mar 17, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 149
Views: 17630

Re: Why should FEHB members buy Medicare Part B?

We have BCBS Basic through wife's FEHB. BCBS Basic has no deductible, no copay for lab work, lower premiums than the Standard plan, and is nearly universally accepted. We are relatively healthy with only one or two generic prescriptions. Wife stopped working well after age 65. We had intended to jus...
by mrc
Sun Mar 17, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 7478

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

Someone hit my wife and totaled our '06 Ford. The 2014 we replaced it with was light years more advanced and fun to drive. That was only an 8 year difference. I'm curious, can you elaborate on what made it more advanced and fun? The new model is unibody, the old body on frame. So it was a lot smoot...
by mrc
Sun Mar 17, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 7478

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

The posters talking about safety features are barking up the wrong tree, IMO. This is not a 20 year old sedan. This is a 9 year old SUV with plenty of airbags and modern features. She’s not riding around in a 93 Cressida. LOL No one has a '93 Cressida. The Toyota Cressida was a mid-size car manufac...
by mrc
Sat Mar 16, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Another Zenni question: Progressive lens?
Replies: 12
Views: 727

Re: Another Zenni question: Progressive lens?

Progressives are tricky to buy online because you don't obtain a measure of segment height. Unlike IPD this measurement is different for any particular frame. We have had great results from Costco at 1/3 the price of the about-an-hour store.
by mrc
Thu Mar 14, 2019 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Elderly parent on path to run out of money in 6 months
Replies: 35
Views: 8967

Re: Elderly parent on path to run out of money in 6 months

My mother has only SS for income and only basic Medicare (A/B/D). Once her savings (proceeds from a house sale in a very depressed LCOL area) were exhausted, we applied for public assistance. She qualified for, SNAP, help paying for Medicare Part D, and moved into a Section 8 apartment complex every...
by mrc
Tue Mar 12, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Dental care for mother-in-law with low income
Replies: 26
Views: 2316

Re: Dental care for mother-in-law with low income

She can't pay for a crown and wants to pull the tooth. For very valid reasons, you don't want that, and would rather pay for a crown to keep the tooth. So do that, but don't expect her to change her ways to protect your investment. If you gave her the ultimatum: brush and floss every day or I'm not ...
by mrc
Sun Mar 10, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Three Days in DC
Replies: 83
Views: 3565

Re: Three Days in DC

radiowave wrote:
Sun Mar 10, 2019 11:45 am
Air & Space museum on the mall. Plan to spend some quality time there.
The A&S Museum in DC is undergoing renovations so check on that first.
by mrc
Sat Mar 09, 2019 5:58 am
Forum: Personal Consumer Issues
Topic: My lamp exploded - can I re-wire it so that it will work with different voltages?
Replies: 49
Views: 2540

Re: My lamp exploded - can I re-wire it so that it will work with different voltages?

Why would it matter with a clock or a motor, but not with my lamp? I'm concerned about safety, mostly. My goal is to have a lamp that can work anywhere in the world. Is the best solution to replace the wire/socket for the highest possible voltage - would it then work in an area with a low voltage? ...
by mrc
Fri Mar 08, 2019 7:14 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7033

Re: attacked by off-leash dog

OP, much depends on what exactly happened. Will you please explain more thoroughly what you mean by attacked? There is a world of difference between a menacing charge and a bite to your person. Assuming you (or your dog) were not personally injured: When you must deal with a stupid owner, it's best ...
by mrc
Thu Mar 07, 2019 4:46 pm
Forum: Personal Investments
Topic: Roth Clarification
Replies: 6
Views: 289

Re: Roth Clarification

Thank you! Do I have until 4/15/19 to do this for 2018? Or would doing in now be a 2019 event? Until April 15 for 2018 contribution Thank you! Do I have until 4/15/19 to do this for 2018? Or would doing in now be a 2019 event? 2019. Conversions can't be credited to a different year than they actual...
by mrc
Wed Mar 06, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Wife got company car. Should we sell 2 year old car?
Replies: 36
Views: 2996

Re: Wife got company car. Should we sell 2 year old car?

If GM made great cars that people wanted to drive, would they have to force people to be rid of other brands? Run the numbers on a sale now (including taxes and fees), and a buy back in a year or three. See if it's cost effective (it should be with insurance paid). Then proceed until the wife leaves...
by mrc
Wed Mar 06, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Citi sign on
Replies: 10
Views: 707

Re: Citi sign on

Pocanutin wrote:
Wed Mar 06, 2019 4:22 pm
YES, YES, YES!! Private mode worked!!!!

Thank you thy4373
Sounds like it's time to remove the citi.com cookies from your browser cache.
by mrc
Tue Mar 05, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Advice on Grand Pianos?
Replies: 57
Views: 3059

Re: Advice on Grand Pianos?

Steinways included and in particular. You can buy a five year old Steinway for at least half off retail. Where do you find such a deal? From the Steinway market I see, such a deal cannot be had for a Steinway grand. Here is a 2010 of the model I inherited (will never sell, its a family heirloom): h...
by mrc
Tue Mar 05, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Riding lawn mower recommendation
Replies: 12
Views: 738

Re: Riding lawn mower recommendation

If you have few obstructions, a riding mower will be fine. A zero-turn is great for going around trees, shrubs, and other obstacles. They also cut better in my experience. I have an eXmark zero-turn with which I pull a core aerator, and a broadcast spreader. I installed the mulching kit (discharge b...
by mrc
Mon Mar 04, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Snowblowers
Replies: 44
Views: 2049

Re: Snowblowers

Instead of buying them a snow blower, ask them why they want to keep shoveling on their own. In your OP, you said: after loads of nagging they reluctantly agreed brushed me off I think they feel Tell them you are worried, offer to help any way you can. Then step back and wait for them to ask. All th...
by mrc
Mon Mar 04, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Convince aging parents to pay for snow removal
Replies: 64
Views: 3539

Re: Convince aging parents to pay for snow removal

I've been thinking about calling up a snow service and arranging for someone to go there without telling my parents. Do you think that's a good idea? No, it's not a good idea. Offer to help them arrange for someone. Sometimes, the anxiety lies mostly with finding someone to help who is dependable, ...
by mrc
Sun Mar 03, 2019 2:52 pm
Forum: Personal Investments
Topic: TSP Matching and Contribution Limits
Replies: 7
Views: 431

Re: TSP Matching and Contribution Limits

Check out the "Annual Addition Limit" (second row of the table): https://www.tsp.gov/PlanParticipation/E ... imits.html
by mrc
Thu Feb 28, 2019 3:45 pm
Forum: Forum Issues and Administration
Topic: Keep Bogleheads Free! (as in unaffiliated)
Replies: 52
Views: 5074

Re: Keep Bogleheads Free! (as in unaffiliated)

Elsebet wrote:
Thu Feb 28, 2019 3:24 pm
In the spirit of making this actionable, how can a normal poster like me contribute financially to the forum so that it can indeed remain user-supported and free? Preferably online. :)
https://www.bogleheads.org/support.php
by mrc
Wed Feb 27, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Software That Searches Inside PDF Files
Replies: 21
Views: 815

Re: Software That Searches Inside PDF Files

The Mac OSX Finder searches for strings within PDF files. But not if the files are scanned, and are essentially images.
by mrc
Tue Feb 26, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6442

Re: $5000 water bill-Help!

I have a booster pump to increase the pressure from the well pump and smooth out the fluctuations from the storage tank. It turns on with pressure, and off with flow. When it cycles and no one is in the shower or doing laundry, something is wrong. So far, I found two leaky toilets (failed flappers) ...
by mrc
Sat Feb 23, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Ring Shopping
Replies: 82
Views: 4009

Re: Ring Shopping

35 years ago, we purchased matching rose gold bands. No diamond solitaire. If a ring competition suits you and your fiance, go big. Otherwise get something you both like, and something you can afford. The size/cost of the ring is a poor predictor of happiness and marriage length. ;-) Congratulations...
by mrc
Tue Feb 19, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Different results using TaxAct vs. TurboTax?
Replies: 7
Views: 843

Re: Different results using TaxAct vs. TurboTax?

For curiosity sake, I ran my 2018 return through both TaxAct and TurboTax platforms (Yes, I had some free time yesterday). :happy Platform differences notwithstanding, TurboTax had me receiving a bit more from Federal and a bit less from State when compared with TaxAct. I was curious if others had ...
by mrc
Fri Feb 15, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion
Replies: 10
Views: 985

Re: Roth Conversion

I want to do a Roth conversion 1st quarter of this year. I feel like I have information overload and have a question. I plan on paying estimated taxes in 2019, to pay for the taxes that will be due because of the conversion. The way I think I understand it, even if I pay estimated taxes, since taxe...
by mrc
Wed Feb 13, 2019 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Is Long Term Care Insurance worth it?
Replies: 318
Views: 13236

Re: Is Long Term Care Insurance worth it?

.85 x .85 = 72.25% chance of it not happening to either spouse. 100% - 72.25% = 27.75% chance of it happening to one spouse. .15 x .15 = 2.25% chance of it happening to both spouses. 27.75% + 2.25% = 30.00% chance of it happening to at least one spouse. This is basic math, people. WoW: Your additio...
by mrc
Mon Feb 11, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 8250

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

The 6 year rule applies to tires exposed to elements (UV light for example) not to stored tires. Tires don’t go bad in storage, not in such short time at least. Not according to the NTSB: Background: Tires degrade over time regardless of whether they are in service. – Tire failures can result from ...
by mrc
Sun Feb 10, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Did you investigate your partner's financial background before committing?
Replies: 99
Views: 5750

Re: Did you investigate your partner's financial background before committing?

Yes. We got to know each other and hung out together for a couple years. It was obvious we were a match.
by mrc
Mon Feb 04, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for surviving spouse of Federal employee
Replies: 3
Views: 239

Re: Health insurance for surviving spouse of Federal employee

Be sure to review the plans from the various carriers for the best fit for your mom. What worked for them may work for her alone, or there may be a more efficient plan available.
by mrc
Mon Feb 04, 2019 3:54 pm
Forum: Personal Investments
Topic: Help Convincing Spouse
Replies: 60
Views: 4525

Re: Help Convincing Spouse

This was the picture that convinced me to turn Boglehead, and I convinced my spouse the moment I showed it to her:

From the Bogleheads® investment philosophy: #6 Keep Costs Low

Check out the graph for Extra Spending 10+ Years
by mrc
Sun Feb 03, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Procedure for late Medicare enrollment
Replies: 4
Views: 334

Re: Procedure for late Medicare enrollment

Just did this with DW last week, not quite two months after her separation date. She can and has kept her group health insurance plan into retirement, but that appears irrelevant for the purpose of the L564.
by mrc
Thu Jan 31, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 151
Views: 9664

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

We left our adult dogs at home for years while working an hour away. Mid-day bathroom breaks would have been impossible. Wife left the house an hour or so after I did, and I got home between 8-12 hours later. Unless someone was sick, we didn't have problems. This was 4 days a week. Have you tried le...
by mrc
Thu Jan 31, 2019 4:16 am
Forum: Personal Consumer Issues
Topic: Need help with computer crash!
Replies: 90
Views: 4142

Re: Need help with computer crash!

https://www.amazon.com/Acer-TC-885-ACCFLi3-Desktop-i3-8100-802-11ac/dp/B07CYF9YGF/ This computer will do everything you need it to do. Download and try LibreOffice (free). It is what I use and it is more than a decent MS Office replacement. I would migrate away from Thunderbird and switch to a web-...
by mrc
Tue Jan 29, 2019 5:33 am
Forum: Personal Consumer Issues
Topic: Quote for new boiler and AC
Replies: 7
Views: 893

Re: Quote for new boiler and AC

Need both replaced and was quoted both 9k in a HCOL area. We have a small home so the systems required are fairly standard or on the small side. AC will replace interior and exterior components. We were quoted 7-8k alone for the AC so thinking 9k is rather competitive. The only way to determine thi...
by mrc
Sat Jan 26, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Quarterly payments to Medicare
Replies: 11
Views: 1018

Re: Quarterly payments to Medicare

There is a considerable "grace" period. Keep an eye out for further correspondence from Medicare if the charge doesn't go through. From AARP: The original billing notice is the regular one that requests payment by a specified due date — the 25th of the month. The grace period for paying this bill is...
by mrc
Mon Jan 21, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: 1980s Vacuums vs Today
Replies: 27
Views: 2810

Re: 1980s Vacuums vs Today

I've used a beater bar brush on our wool rugs for decades. Without the agitation, they don't come nearly as clean. The one thing you must watch out for is catching any fringe. Both a 60s and 70s Kirby, and new models. I don't set the head so low that there is binding. But you can see a slight comb w...
by mrc
Mon Jan 21, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 34
Views: 2092

Re: Hearing Aids

I went to Costco for hearing aids and was fitted with some that turned out to be inappropriate for my type of hearing loss. Also, the technician could never get them adjusted so they were not annoying. I returned them of course for a full refund. The somewhat scatterbrained assistant (basically jus...
by mrc
Mon Jan 21, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: Federal Workers
Replies: 33
Views: 1618

Re: Federal Workers

Before this thread is locked ... According to the Washington Post : About 46 percent of Americans said they did not have enough money to cover a $400 emergency expense. Instead, they would have to put it on a credit card and pay it off over time, borrow from friends or family, or simply not cover it...