Search found 1258 matches

by mrc
Mon Jan 21, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: 1980s Vacuums vs Today
Replies: 27
Views: 2563

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: 27
Views: 1366

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: 1516

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...
by mrc
Sat Jan 19, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 27
Views: 1366

Re: Hearing Aids

There have been several fairly recent threads on HAs, and the utility of Costo. Try searching the board to find them. Lots of good info there already. +1 for Costco.
by mrc
Sat Jan 19, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 112
Views: 5497

Re: What is a Boglehead funeral/burial?

No service or arrangements. Simple pre-arranged donation of remains to medical school. This is my wish as well. I'm told by doctor friends (and other researchers) they remember their cadavers for the rest of their lives. Same for my older family members. Failing that (not all bodies are accepted), ...
by mrc
Wed Jan 16, 2019 5:19 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 44926

Re: John Bogle, who founded Vanguard and revolutionized retirement savings, dies at 89

I am forever grateful to a truly decent man.
by mrc
Sun Jan 13, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9767

Re: Disciplined with finances, but not so with diet

dm200 wrote:
Thu Jan 10, 2019 5:24 pm
drmirkin.com

nutritionfacts.org
Ewww.
by mrc
Sat Jan 12, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 3626

Re: Stay in private practice medical or take VA job offer?

Going the other way, if someone offered me and extra $8K a month to commute an additional 60-80 minutes a day 4 days a week, I'd jump at it. Podcasts. Books on tape.
by mrc
Tue Jan 08, 2019 5:02 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 43
Views: 2662

Re: How to save on prescription drug costs?

I was going to write a similar answer. There is no single best answer. For recurring prescriptions check different places including these and Costco also This tactic works especially well for the people drugs we give to a dog: We check prices again when it's time to refill (every 90 days). More tha...
by mrc
Mon Jan 07, 2019 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Just Retired, need some help on what to do with my 401k
Replies: 18
Views: 2164

Re: Just Retired, need some help on what to do with my 401k

Hey Guys, ...... Thank you very much DMN I have out of this world, mind blowing advice for you, but alas, I am a female. Good luck. UbP I'm sure the OP meant no exclusion! Webster : guy 1a : man, fellow b : person —used in plural to refer to the members of a group regardless of sex
by mrc
Mon Jan 07, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 43
Views: 2662

Re: How to save on prescription drug costs?

Some meds are temp dependent and shouldn’t be mailed. Something to keep in mind. My Kaiser pharmacy will mail almost refill prescriptions to us. Am I wrong to assume that this is safe? If not "safe", then why would they do it? Cost. NPR did a story on this just this morning: Extreme Temperatures Ma...
by mrc
Sun Jan 06, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Small black object found in white of hard-boiled egg
Replies: 15
Views: 1403

Re: Small black object found in white of hard-boiled egg

First a word of caution: be careful Googling this.

A good discussion of blood/meat spots in eggs in backyardchickens.com. Appears to be totally normal. We don't hard boil eggs, but every now and then I crack open a free-range farm egg from down the street, and there are some strange things within.
by mrc
Sun Jan 06, 2019 6:40 am
Forum: Investing - Help with Personal Investments
Topic: Low risk, fixed 5% return too good to be true?
Replies: 27
Views: 3842

Re: Low risk, fixed 5% return too good to be true?

At the bottom of the Worthy landing page: Worthy is not a bank and investments in Worthy bonds are not bank deposits . They are not insured by the FDIC . Investing in Worthy bonds involves risk of loss . You should always carefully consider investments in any security and you should be comfortable w...
by mrc
Sat Jan 05, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20289

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Seriously, why did you think you could afford the house when it puts a fairly basic budget $478 a month in the hole? You need Dave Ramsey, it's your only hope and you need some serious gazelle focus. You MUST get your wife on board. Anything that isn't tied down needs to be sold or given back to it...
by mrc
Sat Jan 05, 2019 4:53 am
Forum: Forum Issues and Administration
Topic: [Forum software update] Tracking the Original Poster in a thread
Replies: 12
Views: 1382

Re: [Forum software update] Tracking the Original Poster in a thread

This modification is really great. I had no idea how much time I spent searching for OP names! Thanks!
by mrc
Wed Jan 02, 2019 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Lending Club
Replies: 18
Views: 1386

Re: Lending Tree

Would you please edit the title?
by mrc
Wed Jan 02, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1442

Re: Black licorice fans - suggestions?

Maybe select a sampler assortment from licoriceinternational.com. I understand the Dutch products are particularly strong although some can be quite salty. Some are made with anise seed oil in addition to licorice extract.
by mrc
Wed Jan 02, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: Best Way to get rid of leaves
Replies: 77
Views: 7662

Re: Best Way to get rid of leaves

I mow fallen leaves with ordinary lawn cutting. Come spring, there are few if any visible. The oaks do shed in the spring, but after the first or second lawn cutting, no identifiable leaves remain. I vote to cut 'em which is way easier than raking and bagging, and better for the environment. I have ...
by mrc
Mon Dec 31, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Change in Equifax credit report - but wasn't me
Replies: 17
Views: 1250

Re: Change in Equifax credit report - but wasn't me

Sperry8, Do you want the monitoring service to tell you about a new breach that's already happened, and can take a long time and a lot of resources to fix? Or do you want the bad guys locked out? Freeze your reports now. Then just place a temporary open on the bureau the company you're applying to f...
by mrc
Sun Dec 30, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Budgeting for unexpected and capital expenses in retirement
Replies: 15
Views: 1110

Re: Budgeting for unexpected and capital expenses in retirement

Prior to our retirements, I've tracked spending for several years, and noticed there were regular expenses (utilities, food, gas, insurance, taxes, healthcare), and infrequent, larger, one-offs (new car, new AC/furnace, new iMac, new granite kitchen counter tops). So for retirement, I budgeted we wo...
by mrc
Sat Dec 22, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Does anyone remember window/DOS batch file scripts?
Replies: 24
Views: 2381

Re: Does anyone remember window/DOS batch file scripts?

Install cygwin to obtain UNIX command line. uniq < infile.txt > outfile.txt That will remove adjacent duplicate lines. I added a few duplicate lines to your test data. # cat infile.txt 2018-11-04,04:50:00,off,heatOff,,Sleep,76,62,63.1,49,36.5,0,0,0,0,0,,63.1,49, 2018-11-04,04:50:00,off,heatOff,,Slee...
by mrc
Thu Dec 20, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Peer to Peer Lending/Investing
Replies: 17
Views: 1038

Re: Peer to Peer Lending/Investing

I did this for a while several years ago. Not worth the time or risk in the long run. For a meaningful gain (dollar-wise) you must risk too much principle for the effort. The only party to reliably and safely gain here is the lending company itself. They get paid either way.
by mrc
Mon Dec 10, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 112
Views: 8287

Re: Electric bill with LED

Do they make LED lights for regular 3-way table lamps that are warm in color like traditional bulbs? I don't care for cold, blue lighting. Edit: Okay, how does this one from Amazon look? Good reviews, but who knows...Are there brands you like for LEDs? https://www.amazon.com/dp/B01CEK1O4E/ref=psdc_...
by mrc
Fri Dec 07, 2018 6:04 am
Forum: Investing - Theory, News & General
Topic: We Are Teetering on the Edge of A DEATH CROSS
Replies: 50
Views: 8627

Re: We Are Teetering on the Edge of A DEATH CROSS

Actionable: Change channels. Better yet, turn of the tube.
by mrc
Thu Dec 06, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2294

Re: Recommend dish drainer (rack)

Someone will have to market a smart dish drainer before I spend over $10. :twisted: Disembodied voice: “Hello! Your dishes are now dry.” I can't wait. Dishmaster Clippy: Hey, it looks like you're washing dishes! Would you like to order some better dishtowels? I see some egg goo on one of the forks,...
by mrc
Thu Dec 06, 2018 5:14 am
Forum: Personal Consumer Issues
Topic: Problem with Medical Equipment Vendor: Insurance Issues
Replies: 9
Views: 1165

Re: Problem with Medical Equipment Vendor: Insurance Issues

This happens more than you would imagine. It happened to me: I changed insurance carriers and informed them at the time. About 11 months later, I received an OVERDUE WE'RE GOING TO SEND THIS TO COLLECTIONS IF YOU DON'T PAY US NOW bill for $785 for supplies. That was my first indication that somethin...
by mrc
Mon Dec 03, 2018 4:45 pm
Forum: Investing - Theory, News & General
Topic: RMD
Replies: 4
Views: 390

Re: RMD

The withdrawal % is the reciprocal of the distribution period (divisor), and it increases a little bit every year: Age Divisor % 70 27.4 3.6% 71 26.5 3.8% 72 25.6 3.9% 73 24.7 4.0% 74 23.8 4.2% 75 22.9 4.4% 76 22 4.5% 77 21.2 4.7% 78 20.3 4.9% 79 19.5 5.1% 80 18.7 5.3% 81 17.9 5.6% 82 17.1 5.8% 83 1...
by mrc
Sun Dec 02, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3124

Re: Has anyone on this board painted over wallpaper?

Doing this will make it pretty near impossible for anyone to ever remove the wallpaper. Wallpaper is steamed off. Painting over it will make this essentially impossible. On a home renovation site I once read that there is a special place in hell for those who paint over wallpaper. Just sayin'. +1 S...
by mrc
Sun Dec 02, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3124

Re: Has anyone on this board painted over wallpaper?

Yes, Kilz Primer for round 1 and then 2 coats of paint over that. We did this too. Our house was papered over naked drywall. [Edit: which means removing the wallpaper takes the drywall paper with it.] In very bright light, if you look for the seams you can find them. You can also see a number of ir...
by mrc
Sat Dec 01, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Health Insurance
Replies: 20
Views: 859

Re: Federal Employee Health Insurance

IMHO, you can't go wrong with BCBS, but for us, their cheapest option (Basic) of the two they offered us has saved us a lot of money. And, it has served us well when our dependents have needed doctors in other states. Why did you write, " Blue Cross is between $40-$100 more expensive each paycheck ...
by mrc
Sat Dec 01, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Health Insurance
Replies: 20
Views: 859

Re: Federal Employee Health Insurance

duped myself, sorry
by mrc
Fri Nov 30, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4967

Re: Robot Vacuum Cleaner?

Luke's picture above isn't a fantasy. It happened:

See "Man details the night his Roomba ran over dog poop" in USA Today.
by mrc
Thu Nov 29, 2018 4:46 am
Forum: Investing - Theory, News & General
Topic: TSP Unveils Plans for Expanding Withdrawal Options
Replies: 27
Views: 2324

Re: TSP Unveils Plans for Expanding Withdrawal Options

What are you going to do with all that money you'll save by knocking 0.5 basis points off your ER? :) I wasn't bragging about the low, low ER. :shock: Merely noting that we could leverage much more flexible withdrawal rules at TIAA, and that we did NOT have to pay 20x the ER as the TSP to do so. No...
by mrc
Wed Nov 28, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Are CDs taxed each year or at maturity?
Replies: 15
Views: 2040

Re: Are CDs taxed each year or at maturity?

You will receive a 1099-INT showing the amount of interest paid during the tax year. If a multi-year CD doesn't pay interest until maturity, there will be no taxable interest paid until maturity. Wouldn't how the interest is paid (monthly, quarterly, annually, at maturity) affect the APR?
by mrc
Wed Nov 28, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: TSP Unveils Plans for Expanding Withdrawal Options
Replies: 27
Views: 2324

Re: TSP Unveils Plans for Expanding Withdrawal Options

we're planning to move DWs TSP to TIAA in Vanguard Institutional funds early next year. The ER is lower, Say what? That seems unlikely. Current TSP ER is 0.032-0.033%. If TIAA has lower ERs, they can't be much lower. This page suggests TIAAs' ERs are 20X those of the TSP. We have access to Vanguard...
by mrc
Wed Nov 28, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: TSP Unveils Plans for Expanding Withdrawal Options
Replies: 27
Views: 2324

Re: TSP Unveils Plans for Expanding Withdrawal Options

On a different branch of the OP's subject line, I hope that TSP provides flexibility in changing monthly withdrawals without providing a new notarized spouse signature form (on paper) every 90 days. That would really make that flexibility not very flexible. Keep an eye out for any news on this issu...
by mrc
Tue Nov 27, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: social security SSA44
Replies: 6
Views: 857

Re: social security SSA44

Page 5 of the instructions spell out the conditions. See if you can make your dates, events, and income amounts work out. Seems to me you have a case now that 2019 income will be less that your 2017 income and most importantly, less than $85K.
by mrc
Mon Nov 26, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Facebook follow question
Replies: 6
Views: 550

Re: Facebook follow question

I have a read only FB account. I use it to follow some closed group of interest. I never post anything. I do not click on any embedded article: If someone posts a reference, I go to the source site and search for the content by name. I don't click through (notice that the link may say washingtonpost...
by mrc
Mon Nov 26, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4967

Re: Robot Vacuum Cleaner?

I also didn't not enjoy the roomba. I found it was quicker and quieter to use a broom to sweep up the dog hair. Of course, I have hard wood floors throughout. If you have carpet you will probably benefit from automated vacuuming twice a week. Allergists recommend hardwood over carpet. I've removed ...
by mrc
Mon Nov 26, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4967

Re: Robot Vacuum Cleaner?

I sold my two Roombas after spending more time cleaning and repairing them than it took to run a broom around several pet-accessible rooms with hardwood floors. Mind you I had the enhanced 'turbo' collection bins and brush upgrades too. Lots of hair wraps around the brushes and isn't easy to clear. ...
by mrc
Fri Nov 23, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15227

Re: Black Friday 2018

Alexa9 wrote:
Thu Nov 22, 2018 8:54 pm
c.coyle wrote:
Thu Nov 22, 2018 10:42 am
This morning I was looking to buy a 4 by 6 foot rubber mat for my weightlifting room.
Those are around $30-40 at Tractor Supply
$43 with store pickup online.
by mrc
Thu Nov 15, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: High lumen outdoor LED bulbs
Replies: 6
Views: 597

Re: High lumen outdoor LED bulbs

Perhaps something like this would work. 3000K may appear whiter then incandescent, 2500 lumens. I've noticed these LED A-style bulbs can be a little larger, so check measurements carefully. It's 23 watts. I am not aware of any that are outdoor rated unless they are PAR-type.
by mrc
Tue Nov 13, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: 30" or 36" induction range for remodel?
Replies: 45
Views: 3313

Re: 30" or 36" induction range for remodel?

First thing I did when I bought my current home was to rip out the Thermador 36" gas cooktop, and replace it with a 36" Kenmore induction cooktop. I would never consider any cooktop other than induction. Much safer, power efficient, and I don't burn fossil fuels . I'm very much a kind of cook at ho...
by mrc
Tue Nov 06, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: House for sale - new sink and tub OR reglaze?
Replies: 9
Views: 1022

Re: House for sale - new sink and tub OR reglaze?

We once visited a house with a badly chipped and stained tub/shower. There was a card on the vanity that said something like the owners are willing to contribute a $1000 allowance for the tub of your choice at settlement. It was a nice touch, and something I appreciated over a big-box store solution...
by mrc
Tue Nov 06, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 38
Views: 4271

Re: TurboTax on TaxMarkDown.com

Also following this thread with interest. Is there any benefit to the CD version vs the download version (presumably the same version). For example, if your hard drive crashes, can you re-download the download version? Practically speaking, the install image you download rapidly becomes obsolete gi...
by mrc
Tue Nov 06, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 38
Views: 4271

Re: TurboTax on TaxMarkDown.com

duplicate
by mrc
Tue Nov 06, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: Furnace Duct Cleaning-a high profit game?
Replies: 31
Views: 3430

Re: Furnace Duct Cleaning-a high profit game?

I installed filters on the return grates and clean them weekly. The filter at the furnace still gets a little dirty, but the return filters prevent everything they catch from even entering the ductwork. We have dogs, which throw off a surprising amount.
by mrc
Mon Nov 05, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: Household statements
Replies: 15
Views: 1183

Re: Household statements

Vanguard? Maybe edit the post's title.