Search found 955 matches

by mrc
Sun Oct 22, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 82
Views: 3663

Re: How does/can Walmart offer such inexpensive prescriptions?

I am tired of having elderly patients trying to decide if they should pay for heating oil or their meds. I began buying drugs for my financially challenged patients a few years ago. I take no profit and give the meds at cost, or free. You are a very good person. However, be careful. That is technic...
by mrc
Sun Oct 22, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 995

Re: Shedding Trees

Your best bet might be to petition the HOA to declare those cottonwood trees a nuisance because they deprive you of your peaceable enjoyment of your property. If they are not healthy and robust, you can go for a hazard as well. You could ask for their removal, and settle for their maintenance (the c...
by mrc
Sun Oct 22, 2017 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 74
Views: 5110

Re: Federal Retiree Health Care with/Medicare

Well, that's worth looking at. :happy Indeed it is. But I have a question about providers ... If we keep BCBS, and decline Part B, we continue to function as we do now. Same rules, same providers, payments, etc. But if we elect Part B, and Medicare becomes primary, are we then not subject to comple...
by mrc
Fri Oct 20, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 121
Views: 8266

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Nope. As they say often on this site: Once you learn enough to choose a good FA, you really don't need one. Applies to most folks.
by mrc
Fri Oct 20, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, and choosing not to take Medicare Part B
Replies: 28
Views: 2128

Re: Turning 65, and choosing not to take Medicare Part B

Federal FERS retirees with FEHB may elect Medicare B, but don't have to. DW will not take part B when she retires. We will be subject to IRMAA (income-related monthly adjustment amount) premiums which make part B quite expensive.
by mrc
Thu Oct 19, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 95
Views: 8000

Re: how long did it take to get used to retirement

"Do the best you can do, and then when you are through with it, don't try to live it again. " Do this and you won't have to "get used to it." You will be ready, willing and able from day one. Who am I quoting (with complete agreement)? Sparky Anderson. :beer Lev Got married during the '84 World Ser...
by mrc
Thu Oct 19, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 55
Views: 4644

Re: Are Roomba's effective?

MikeZ wrote:
Thu Oct 19, 2017 9:38 am
One thing worth mentioning.

I see Roomba's all the time at yard sales for a couple of bucks with bad batteries. No one seems to know you can buy a new battery for $20 on Amazon.
Oh they may know that, and be quite tired of replacing the battery pack every 8 months. :wink:
by mrc
Wed Oct 18, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Stains coming through white painted wood stair risers
Replies: 12
Views: 689

Re: Stains coming through white painted wood stair risers

BW1985 wrote:
Wed Oct 18, 2017 4:45 pm
Does this happen to poplar? We just painted and installed our risers so I hope not. :confused
Nope. This is an issue with SPF (softwood) knots.

Zinsser B-I-N stain blocker (shellac) works great for this.
by mrc
Wed Oct 18, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 37
Views: 3102

Re: New mattress

Are any of you guys concerned with the "Gassing Off" of a Memory Foam mattress? My concern is breathing the chemicals omitted from a Memory Foam Mattress every night. I've been reading about the Zenhaven Latex mattress, which touts to be a more healthy alternative, but I'm not sure any mattress is ...
by mrc
Mon Oct 16, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3143

Re: Bonus pushed back - should I be annoyed?

bonus noun :something in addition to what is expected or strictly due: such as a :money or an equivalent given in addition to an employee's usual compensation b :a premium (as of stock) given by a corporation to a purchaser of its securities, to a promoter, or to an employee I never counted on bonus...
by mrc
Sun Oct 15, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 37
Views: 3102

Re: New mattress

It is time for a new mattress. Any suggestions for either: 1. Brand and style. 2. How to shop. I was kinda blown away with all the changes since the last purchase. Now there are so many options. Looking for a good mattress without breaking the bank, but will pay for value. Ed Read up on the sites o...
by mrc
Sat Oct 14, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 133
Views: 9754

Re: anyone else not liking the new cars?

If it makes you feel better....those new cars will likely have terrible resale too after EVs take over. We are currently a 1 battery-EV, 1 gasmobile family, with the former covering 60-70% of our family driving miles, and the latter mostly for family road-trips. The gasser will be paid off in a few...
by mrc
Fri Oct 13, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1591

Re: Anyone Ever Jackhammered a Concrete Patio?

I did this years ago. The patio wasn't subject to (or up to) code, it was thin (~3") and had no re-bar. It wasn't 12'x12' either, more like 8'x10'. The jack hammer rental was an electric monster. I was able to break up the pieces into small enough chunks I could move them to a dump truck with a whee...
by mrc
Tue Oct 10, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 37
Views: 4972

Re: Lg refrigerator vs Samsung refrigerator.

Throwing another story to the pile.. I have a Samsung fridge, had it for almost a year now. Ever since I bought it, it's made what's best described as "gunshot sounds." They are loud popping noises that have to do with a condenser or something. It's happening less and less as time goes on, but read...
by mrc
Sat Oct 07, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 228
Views: 28026

Re: Identity theft

Maybe someone has pointed this out but on every account I have I immediately get a notification at my old email address that it has been changes along with a message to contact them if this is an unauthorized change. Does TransAmerica not do this? I believe Brak has said his father had no email add...
by mrc
Sat Oct 07, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5732

Re: Roof shingles do not match - Neighbor sent notice

What is the supposed damage here, and what is the proposed remedy? You cannot exactly match 15 year-old shingles for color. Any letter should have come before: when the shingles needed replacing! Do you each own half of this building? Why does neighbor care about shingle colors? Are there any proble...
by mrc
Sat Oct 07, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 4045

Re: Trying to convince my sister not to use a financial advisor

There is a lot of math in some of these suggestions. And books. And definitions. BH are a precise lot. What worked for me: Do you want to use the X (FA/AUM/active) or Y(low cost target fund)? X will cost you $500,000 in fees and lost earnings by the time you die. Y will cost you $20,000. Pick one.
by mrc
Sat Oct 07, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 53
Views: 3313

Re: Password Protection

2015 wrote:
Sat Oct 07, 2017 10:02 am
In WWII, The Germans thought the Enigma cipher machine was "safe", too. Until it wasn't.
Pretty sure a lot more resources were devoted to cracking enigma than my lousy account credentials.

As for Equifax — touché.
by mrc
Sat Oct 07, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 228
Views: 28026

Re: Identity theft

Maybe someone has pointed this out but on every account I have I immediately get a notification at my old email address that it has been changes along with a message to contact them if this is an unauthorized change. Does TransAmerica not do this? I believe Brak has said his father had no email add...
by mrc
Tue Oct 03, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 125
Views: 14651

Re: TSP to Vanguard?

That is indeed A reason, and a very good one. It is not the only one, however. The other reasons are the lowest fees in existence, the lowest fees in existence, and the lowest fees in existence. Not any more ... TSP ER: 0.038% Vanguard TSM Institutional: 0.035% (less, but only $3/$100K/year). Vangu...
by mrc
Mon Oct 02, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11952

Re: Prevent mail theft; sign for USPS Informed Delivery

All my credit reports are frozen. I couldn't verify my identity. There were three none of the above and once possible hit on a car loan. Guess I'll stop by the PO. The irony is amusing.
by mrc
Sat Sep 30, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6017

Re: Is it a waste of money having your furnace checked every year?

A cracked heat exchanger can release CO into the home. Clogged ports can reduce efficiency. I would have it looked at more often than every 16 years. I consider a service plan for the A/C, oil furnace, oil water heater, and the above-ground tank to be a good value. It includes priority service calls...
by mrc
Sat Sep 23, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 673

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

I have an Omron BP785N. Average review score of 4.7/5 on Amazon. It has an arm cuff, memory for two people, and will take 3 readings with a 15 or 30 second pause between each and averaging the result. If my unit were reading 6-9 points higher than a measurement with a sphygmomanometer/stethoscope do...
by mrc
Fri Sep 22, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3310

Re: Gaps in new hardwood flooring

I don't see anything wrong in the second (close up) image. Nothing that a CC would fit. It's possible that the boards were milled while the ends were wetter, and once completely dry, shrank just a bit. The the width tapers from end-to-end being wider in the middle and narrower on the ends, that is m...
by mrc
Thu Sep 21, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Any holes in this long term disability policy?
Replies: 10
Views: 678

Re: Any holes in this long term disability policy?

For that price, this coverage likely has an SSDI offset provision in it which will substantially reduce your benefits. Right on. Be sure whether quoted monthly benefit of $3,400 is a total with SSDI or is in addition to SSDI (Social Security Disability Insurance). When we purchased our LTD policies...
by mrc
Tue Sep 19, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2454

Re: blood pressure monitor recommendations?

Earl Lemongrab wrote:
Tue Sep 19, 2017 2:00 pm
I would caution against discussing medical aspects as it is against the forum rules and could get this locked. I'd stick to features of the devices.
Agreed and I edited the above post.

To the OP: Any recent Omron arm cuff model is good. The wrist models are not reliable IMHO.
by mrc
Tue Sep 19, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2454

Re: blood pressure monitor recommendations?

+1 on the Heisenberg mention above.

My Omron can measure three times in a row, with 15 or 30 seconds between readings. Then it averages the results.


Edited: Removed text for getting too close to medical discussion
by mrc
Mon Sep 18, 2017 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6442

Re: Wiki article - Credit freeze

Well done, and a great addition to an already great wiki!
by mrc
Sun Sep 17, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6442

Re: Wiki article - Credit freeze

... In light of this finding (a truckload of smaller credit reporting companies!), I have to wonder if the content of the 'short list' table is quite right. => I do not see the case for listing ARS (from the description and from the Dr Credit link provided, the case seems weak - in other words, if ...
by mrc
Sun Sep 17, 2017 5:21 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 30975

Re: Roll Call for the Retirement Class of 2017!

MichaelRpdx wrote:
Sat Sep 16, 2017 7:25 pm
Today is the first full day of retirement.
Glad to join all of you.
Welcome aboard!
by mrc
Sat Sep 16, 2017 4:39 am
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6442

Re: Wiki article - Credit freeze

I have a question about the external link in Note 1 in the "Credit Reporting Agencies" table. What happens if/when that doctorofcredit link goes dead? I understand respecting website copyright. Would it be prudent to stash a copy of the contact address (and perhaps template letter)? Five minutes on ...
by mrc
Fri Sep 15, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Another battery question
Replies: 25
Views: 2320

Re: Another battery question

I'd have gone the (https://www.amazon.com/Battery-Tender-021-0123-Junior-Charger/dp/B000CITK8S) route and bypassed all the grief. Leave a pigtail hanging out the grill and it's truly plug n play. I purchased a larger version of this and keep it on my F-350 diesel (two batteries), pausing only to ch...
by mrc
Fri Sep 15, 2017 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6442

Re: Wiki article - Credit freeze

Thanks LadyGeek. The draft page is great.

Could we add info on freezing [ur=https://www.innovis.com/personal/securityFreezel]Innovis[/url] as well?

Code: Select all

https://www.innovis.com/personal/securityFreeze
The page lists available methods (phone, mail, online form, and walk in address :shock:)
by mrc
Thu Sep 14, 2017 5:13 am
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 386
Views: 195021

Re: Suggestions for the Wiki

I checked the wiki and found a short explanation of credit reports and a page for credit scores. Would a section/page on freezing credit (with an enumeration of all the reporting agencies) be helpful? I just found out about SageStream from another post.
by mrc
Thu Sep 14, 2017 5:08 am
Forum: Personal Consumer Issues
Topic: Are Cotton Blankets Good For Winter?
Replies: 21
Views: 1599

Re: Are Cotton Blankets Good For Winter?

We have all cotton blankets, finding wool scratchy and polyester a static electricity & dog hair nightmare. Plenty warm. Some are quite thick, but not heavy.
by mrc
Thu Sep 14, 2017 4:38 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

Is nobody freezing sagestream? So how many of these dastardly credit reporting agencies are there???? StageStream is new to me. Their online freeze screen explains how to perform a security freeze by phone, or by mail. No online method. I hate being on the phone, then dragging the spouse to the lin...
by mrc
Wed Sep 13, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 9159

Re: Hearing aid 101

Be careful putting off getting hearing aids for too long, or leaving them in a drawer once you get them, or letting them get dirty so they are not working well. I'm told the neural pathways associated with hearing/speech recognition deteriorate without use, and the loss is mostly permanent. A family...
by mrc
Tue Sep 12, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: Golden Ratio (also in Bogleheads logo) Fibonacci
Replies: 27
Views: 2665

Re: Golden Ratio (also in Bogleheads logo) Fibonacci

The reason it happens in nature regularly is best explained (in my opinion) by Fibonacci's original rabbit observation: https://www.livescience.com/37470-fibonacci-sequence.htmlhttps://www.livescience.com/37470-fibonacci-sequence.html Looks like a double URL in the link, try this https://www.livesc...
by mrc
Tue Sep 12, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: Golden Ratio (also in Bogleheads logo) Fibonacci
Replies: 27
Views: 2665

Re: Golden Ratio (also in Bogleheads logo) Fibonacci

All AAs are really irrational despite our reasons for choosing them, no?
by mrc
Tue Sep 12, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: Underlayment for hardwood floors
Replies: 31
Views: 2568

Re: Underlayment for hardwood floors

... Why would it be unsatisfactory to glue a 5inch wide plank that's 3/4 inch thick? I would have thought thicker planks were pretty easy to glue down. Much of the 3/4" hardwood I've installed is not perfectly straight and true (as engineered would be). Warps, cups, twists, bows, even wanes on some...
by mrc
Mon Sep 11, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Underlayment for hardwood floors
Replies: 31
Views: 2568

Re: Underlayment for hardwood floors

I have installed over a dozen 3/4" hardwood strip floors in various rooms. I used 30# felt over the plywood sub floor, and nails. No glue. People that glue floors to wood sub floors will live in the room in hell next to those that paint brick. I didn't know about isostep, but if I were to install a...
by mrc
Mon Sep 11, 2017 11:28 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60430

Re: Forum software upgrade bug reports and change requests

If you notice, none of the posts in that thread have them. All of them are from Aug 10 or earlier. I suspect the new feature only applies to replies created after the upgrade. Also, if you edit out the post_id field in the quote tag: [quote="Earl Lemongrab" post_id=3527764 time=1505147045 user_id=5...
by mrc
Mon Sep 11, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Underlayment for hardwood floors
Replies: 31
Views: 2568

Re: Underlayment for hardwood floors

I have installed over a dozen 3/4" hardwood strip floors in various rooms. I used 30# felt over the plywood sub floor, and nails. No glue. People that glue floors to wood sub floors will live in the room in hell next to those that paint brick. I didn't know about isostep, but if I were to install a...
by mrc
Mon Sep 11, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: Underlayment for hardwood floors
Replies: 31
Views: 2568

Re: Underlayment for hardwood floors

... He then recommend with go with 10mm isostep underlay, which is made from recycled rubber. Is this the best product to use to avoid sound traveling between floors? I have installed over a dozen 3/4" hardwood strip floors in various rooms. I used 30# felt over the plywood sub floor, and nails. No...
by mrc
Sun Sep 10, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 32810

Re: Can't freeze credit at Experian?

I just checked my cc and have multiple charges for my failed attempts also. We will see if they fall off. Me too, with TransUnion. I hate CRAs for so many reasons. It's maddening to receive an email from the credit card folks that a card not present transaction just took place, followed by TransUni...
by mrc
Sat Sep 09, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax customer information leak

... Actually, I'm already subscribed to Experian's Protect My ID service. Why? From the 2015 Office of Personnel Management security breach. I have free monitoring for a few years. So far, all OK. That's interesting. Our OPM monitoring service is via myidcare . We froze our reports with the big 4 +...
by mrc
Fri Sep 08, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47327

Re: Equifax says info stolen. What's my best course of action?

When OPM was hacked, we looked into subscribing to the "free monitoring." But all that does is tell you that the horse is out of the barn. Maybe not even that. If you freeze your reports, they can't monitor completely. We have a basic service that tells us a sex offender moved into our area, but not...
by mrc
Thu Sep 07, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 5736

Re: Wife believes 7+% returns from stock market are guaranteed

Isn't the long term adjusted-for-inflation return on the S&P 500 around 7%?

A comic asked a clerk locking up a 24 Hour QuickMart, "Aren't you open 24 hours?" Answer: Not in a row!
by mrc
Wed Sep 06, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24266

Re: Name something you had to have and now you regret purchasing it?

Amazon Echo I thought I would regret buying my Echo, but it turns out I use it much more than I thought I would and really get a ton of utility from it . Such as? I've always wondered what the utility of those products is. Seemed to me to be in the same category as smart watches, a cool new gadget ...
by mrc
Tue Sep 05, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3839

Re: Did Charmin UltraSoft TP become "UltraThin"?

Anyone on the fence over the BH getting less interesting thread can now choose a side :wink:

My mom uses A LOT of TP. Prefers Scots 1000 sheet 1-ply (pretty thin) to anything else to prevent clogs. Says she can double up when necessary, but can't split the thicker stuff apart.