Search found 1420 matches

by mrc
Sat Jul 18, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7140

Re: Give new doctor a SSN?

We stopped furnishing our SSNs to offices years ago. We just leave that space blank and only two times has a clerk questioned the omission. First time: When the clerk said, I need your SSN, I said, "What for?" She said, "Because it's here on the form." I said, "That's not a reason you *need* it." Th...
by mrc
Sat Jul 11, 2020 5:41 am
Forum: Investing - Theory, News & General
Topic: Were You Around During Dotcom Bubble?
Replies: 182
Views: 11270

Re: Were You Around During Dotcom Bubble?

I was around then, much more concerned with getting laid off from my job with a financial services firm than what was happening with my 403b/401k at the time. DW and I were both 100% equities except for whatever we had in TIAA traditional. I didn't change a thing, didn't look at statements. Recovere...
by mrc
Mon Jul 06, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Who has long term care insurance?
Replies: 119
Views: 5987

Re: Who has long term care insurance?

Will says: And for those reading this thread who aren't aware, WoW2012 sells LTCi. Wow says: That's 100% true which anyone can see if they read my profile. https://www.bogleheads.org/forum/memberlist.php?mode=viewprofile&u=41642 WoW, why doesn't your signature (the disclaimer) appear on ever one of...
by mrc
Sun Jul 05, 2020 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Who has long term care insurance?
Replies: 119
Views: 5987

Re: Who has long term care insurance?

My parents-in-law bought into a first rate (expensive) CCRC in the mid-90s. The arrangement was set up to let them move to higher levels of assistance should the need arise, from independent living all the way to nursing care. The monthly "rent" increased with the level of care. Their apartment was ...
by mrc
Sat Jul 04, 2020 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Who has long term care insurance?
Replies: 119
Views: 5987

Re: Who has long term care insurance?

We had LTCi. We dropped our policy this year. We were considering modifying our gold-plan policy to reduce the premiums, but discovered: 1) We can afford to self insure an amount at least equal to what are state guarantee association would cover if the company went under. 2) That the max benefit amo...
by mrc
Wed Jul 01, 2020 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot Initiate Extended Fraud Alert
Replies: 12
Views: 881

Re: Cannot Initiate Extended Fraud Alert

OU812? wrote:
Wed Jul 01, 2020 10:59 am
Yes, I stated in the OP that all three bureaus had credit freezes in place)....
Isn't a fraud alert redundant with a credit freeze in place?
by mrc
Fri Jun 19, 2020 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund is late
Replies: 102
Views: 4071

Re: Federal tax refund is late

I have a reverse problem. I e-filed federal, and snail mailed state. I received the federal refund in about a week. Nothing from the state. Checked online and the status was something like, we processed your return on 02/22 and you won't be getting a refund. We're sending you a letter. I figured it ...
by mrc
Wed Jun 10, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?
Replies: 41
Views: 2556

Re: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?

i use these for dusting. perhaps you can get a small package to try it out; make sure it comes with the handle. https://www.amazon.com/dp/B00NS6I5F0/ref=dp_cerb_1?th=1 Just in case anyone else is going to buy these... I bought this item Sunday from amazon. $25 with tax. It was delivered Monday morn...
by mrc
Sun Jun 07, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: Patio door glass replacement
Replies: 21
Views: 945

Re: Patio door glass replacement

Check the andersenwindows website for replacement parts. You'll need the product ID on your door. I believe you can order at Home Depot. Here's a page for the 200 series doors . You can go from there. I've used them directly for inswing door replacement parts, and Home Depot for new window weather s...
by mrc
Sun Jun 07, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: Cheaters [ground plug adapters]-- how do deal with them, how to find them when you need them
Replies: 34
Views: 2503

Re: Cheaters [ground plug adapters]-- how do deal with them, how to find them when you need them

I'm no expert on the subject, but I understand that anything "down stream" from the GFCI is also protected by the GFCI. This provides some additional protection to the circuit. I found this out when I discovered an outside receptacle was on the same circuit as a GFCI in a bathroom several feet away...
by mrc
Sun May 17, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: Stinkbug screened in deck problem
Replies: 25
Views: 2312

Re: Stinkbug screened in deck problem

They are getting in somewhere. Check over every square inch for access, including under and around doors, torn screens, wall/floor and wall/roof junctions.

Vacuum cleaners cook them and that really, really stinks.
by mrc
Tue May 12, 2020 6:06 am
Forum: Personal Finance (Not Investing)
Topic: What age do you use for retirement end date?
Replies: 68
Views: 4319

Re: What age do you use for retirement end date?

My spouse is 8.5 years older than me. I used her reaching age 100. When projections showed we'll never run out of money, given any reasonable lifespan, so I stopped checking.
by mrc
Mon May 04, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Toilet lid suddenly popped up?
Replies: 30
Views: 3619

Re: Toilet lid suddenly popped up?

Is a "Flushmate" installed? A DWF TV station aired a report about exploding toilets in which this air assisted device was at fault.
by mrc
Fri May 01, 2020 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card fraud? Prank?
Replies: 20
Views: 1084

Re: Credit card fraud? Prank?

Was this card charged? Have you checked?
by mrc
Fri May 01, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: How do i check if a room has a draft or leak?
Replies: 17
Views: 1092

Re: How do i check if a room has a draft or leak?

Smoke from an incense stick can reveal subtle drafts. Wafting curtains/blinds suggest a more severe problem.
by mrc
Tue Apr 28, 2020 5:43 pm
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 44
Views: 3721

Re: Coffee Experts - Help with an online coffee order

I have had good luck with Java Bean Plus

Prices from ~$6.80-$10.00/lb. Decaf. Flavored. They have green beans too.

I buy a lot of "Donut Blend" and it's a good deal at $7.39/lb in 5 lb bags.
by mrc
Sat Apr 04, 2020 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Canceling Auto Insurance for Few Months? Any down sides?
Replies: 56
Views: 4358

Re: Canceling Auto Insurance for Few Months? Any down sides?

It is not against any laws to own vehicles that are not insured or under current registration unless they are driven on public roads. When in storage and/or stored safely on private property you do not need to have these in place. My state requires return of the tags BEFORE you cancel the insurance...
by mrc
Wed Mar 25, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: USAA Tow Truck--Social Distancing
Replies: 30
Views: 1595

Re: USAA Tow Truck--Social Distancing

The tow company will take the car anywhere, so long as you pay. Any overage charges are between you and the insurance company. I frequently tow about 11 miles to a garage I like. Others are closer (c. 5 miles). The driver warns me I might have to pay some extra out of pocket, and that's the last I e...
by mrc
Wed Mar 04, 2020 5:31 am
Forum: Investing - Theory, News & General
Topic: Is this the start of the dead cat bounce?
Replies: 147
Views: 11755

Re: Is this the start of the dead cat bounce?

nalor511 wrote:
Mon Mar 02, 2020 1:10 pm
What an offensive term.
The term is a thing, and not merely thoughtlessly macabre: investopedia
by mrc
Thu Feb 20, 2020 4:30 am
Forum: Personal Consumer Issues
Topic: Guitar for a 45 year old beginner
Replies: 52
Views: 4041

Re: Guitar for a 45 year old beginner

In that same situation myself, I rented a nice model for 3 months. It was a much higher quality instrument than I would buy just to try playing. It was a short term (90 days I think). I could apply the rental toward the purchase of that or another instrument, or return it and walk away. That is the ...
by mrc
Sat Feb 01, 2020 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Uneven crack in sidewalk in front of my house, am I liable?
Replies: 37
Views: 3357

Re: Uneven crack in sidewalk in front of my house, am I liable?

Is there an HOA? That can change things. Either way, judging from your user id, you are a deep pocket neighbor. I would get it fixed. Contractors are cheaper than lawyers.
by mrc
Fri Jan 31, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Bench seats vs captains chairs in SUV second row?
Replies: 32
Views: 4363

Re: Bench seats vs captains chairs in SUV second row?

Bench is easier if you transport dogs.
by mrc
Mon Jan 27, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Data
Replies: 71
Views: 3209

Re: Long Term Care Insurance Data

One of my concerns back then, and even today, is that I'm paying all this money now, but what if my company abandons the market, as many have done, and leaves me high and dry when I actually need care? Many other companies have been allowed to raise their rates, which means I might not be able to a...
by mrc
Mon Jan 27, 2020 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Data
Replies: 71
Views: 3209

Re: Long Term Care Insurance Data

… If the company goes bankrupt, the state guaranty association will supposedly step in to honor the terms of the policy. Which, in our state, would render an unlimited benefit amount policy worth a max of $300K. Something people must consider: Would you buy or continue a policy with a max benefit o...
by mrc
Mon Jan 27, 2020 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Data
Replies: 71
Views: 3209

Re: Long Term Care Insurance Data

One of my concerns back then, and even today, is that I'm paying all this money now, but what if my company abandons the market, as many have done, and leaves me high and dry when I actually need care? Many other companies have been allowed to raise their rates, which means I might not be able to a...
by mrc
Mon Jan 27, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: Buying Vinyl - Newbie
Replies: 5
Views: 508

Re: Buying Vinyl - Newbie

I thought this was about siding for a house.
by mrc
Sun Jan 26, 2020 6:30 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27494

Re: Sad news: LadyGeek's husband has passed

LadyGeek wrote: This is why I made my post - to help others who can benefit from my experience.
Why this forum is the best.
by mrc
Sat Jan 25, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Prescription Drug Pricing: Good Rx Coupon vs. Medicare Part D insurance
Replies: 27
Views: 2287

Re: Prescription Drug Pricing: Good Rx Coupon vs. Medicare Part D insurance

I think it's fine to shop around for every prescription you fill, even refills. But don't rely on GoodRx and the like instead of Medicare Part D. Also, going outside your part D plan won't cut into your deductible so It's a good idea to run the numbers for yourself. As always, it's difficult to pred...
by mrc
Fri Jan 24, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: Learning to read music
Replies: 31
Views: 1820

Re: Learning to read music

can you look at a piece and play it accurately the first time This describes sight reading, which of course require the ability to read music, and quite a bit of practice in my experience. It is more difficult than interpreting what's on a musical staff to ones instrument. Single voices (e.g., a tr...
by mrc
Thu Jan 23, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 6858

Re: Subaru Outback engine stop/start

I test drove a 2020 Subaru Outback yesterday and was very impressed with the looks, ride, quality, and features/functions. When I stopped at a stop sign, the engine apparently shut off, and when I pressed the gas pedal the engine started up again. Sales person said that "feature" could be turned of...
by mrc
Fri Jan 17, 2020 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Realized we made a major mistake and feeling really sick.
Replies: 162
Views: 14459

Re: Realized we made a major mistake and feeling really sick.

Did you sell because you needed the proceeds? Because you didn't want your asset allocation skewed too far toward company stock? This could also have been the best move you ever made had the stock tanked recently. Many would be happy with an $850K gain and wouldn't look back!
by mrc
Thu Jan 09, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?
Replies: 75
Views: 6380

Re: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?

Welcome to the joys and pitfalls of home ownership. These things happen, and sometimes unfortunatly in your case soon after the purchase. Fix it and replenish your emergency fund ASAP.
by mrc
Mon Jan 06, 2020 10:39 am
Forum: Personal Consumer Issues
Topic: Help me locate the wired doorbell chime
Replies: 32
Views: 2267

Re: Help me locate the wired doorbell chime

Clearly, the prior owners remove the chime, but not the transformer.

So now, I want to know both where is the doorbell transformer, and what's in that floor safe. :D
by mrc
Sun Jan 05, 2020 8:17 am
Forum: Personal Consumer Issues
Topic: Gutter drip
Replies: 4
Views: 584

Re: Gutter drip

If you can hear water dripping within the downspout well after a rain, I would check the gutters for debris and proper tilt. Sounds like water can pool and drain out slowly over time.
by mrc
Sun Jan 05, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: Help me locate the wired doorbell chime
Replies: 32
Views: 2267

Re: Help me locate the wired doorbell chime

If I'm reading the OP correctly, you can't find the chime and there is low voltage power at the door bell switch. Is it possible that the prior owner removed the chime unit? I would look for 'scar' on the wall in the foyer or entry way, about a foot from the ceiling. Sometimes you can see the ghost ...
by mrc
Sat Jan 04, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Geico cancels 1M umbrella
Replies: 54
Views: 6799

Re: Geico cancels 1M umbrella

After MetLife raised our auto rates to obscene levels, I shopped around and found Safeco through an independent agent. I reduced the premiums for equivalent coverage considerably, and it's nice to have a local person/agency to contact for service in addition to the Safeco website. You might obtain a...
by mrc
Tue Dec 31, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: Apple iMac 2013? Replace with Fusion? Or all SSD? Security? Questions
Replies: 38
Views: 2875

Re: Apple iMac 2013? Replace with Fusion? Or all SSD? Security? Questions

I just replaced a 5 year-old 27" Retina iMac with a spinning hard drive (not a fusion, not a SSD) primarily b/c the disk was running so slowing the box was becoming frustrating to use. Beachball city. I put memory in it myself and it's quite easy. SSD replacement kits (drive, mount, tools to open th...
by mrc
Sat Dec 28, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: How to get cash from 100lbs of coin change?
Replies: 33
Views: 2967

Re: How to get cash from 100lbs of coin change?

It would be interesting to run the characteristics of your collection through Coin Jar Calculator.

100 lbs, with a ratio of 10:8:6:4 pennies, nickels, dimes, and quarters, no half or dollar coins would yield ~$940!
by mrc
Fri Dec 27, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Sleep Masks & Ear Plugs
Replies: 35
Views: 2402

Re: Sleep Masks & Ear Plugs

Before this thread crosses into medical advice … I have worn foam earplugs for probably 20 years. Be sure you're inserting them correctly (google it). Also, don't be afraid to try a couple different types. Some stay in better than others due to material differences and shape. I also sleep with a han...
by mrc
Fri Dec 27, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: demented mother's online spending
Replies: 126
Views: 11453

Re: demented mother's online spending

How is someone who cannot remember an online order several minutes later able to authenticate with these online vendors? I see two problems: 1) how to treat mom's deterioration, which is a medical concern and beyond the scope of this board, and 2) mom's irrational online spending. Change the passwor...
by mrc
Sat Dec 21, 2019 11:52 am
Forum: Investing - Theory, News & General
Topic: Tax Law Changes for 2020
Replies: 355
Views: 28230

Re: Tax Law Changes for 2020

2. It takes less than $100K net worth to be in the global 1%. unclear where you got this info from. Any and all sites I read quote this about $1,000,000ish net worth to be in the global top 1%. :moneybag Global? It's about $32K. US? $421K, according to Investopedia That is income, not net worth num...
by mrc
Sat Dec 21, 2019 11:31 am
Forum: Investing - Theory, News & General
Topic: Tax Law Changes for 2020
Replies: 355
Views: 28230

Re: Tax Law Changes for 2020

F150HD wrote:
Sat Dec 21, 2019 11:27 am
dharrythomas wrote:
Sat Dec 21, 2019 10:36 am
2. It takes less than $100K net worth to be in the global 1%.
unclear where you got this info from.
Any and all sites I read quote this about $1,000,000ish net worth to be in the global top 1%. :moneybag
Global? It's about $32K. US? $421K, according to Investopedia
by mrc
Sat Dec 21, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Changes to 401(k) and IRAs, SECURE Act - It's signed
Replies: 292
Views: 23466

Re: Changes to 401(k) and IRAs, SECURE Act - It's signed

The RMD age is raised to 72. How does this impact someone who had their first RMD already, but will not turn 72 until a later year? Is the rule “if age 72 or greater on Dec 31 of tax year, then an RMD is required in that tax year”? If you're already 70-1/2, this does not impact you. It only affects...
by mrc
Sat Dec 21, 2019 10:51 am
Forum: Investing - Theory, News & General
Topic: Newly-passed Tax Law and RMDs
Replies: 21
Views: 2398

Re: Newly-passed Tax Law and RMDs

The new rules do not apply to those already 70-1/2. HR 1944 Section 114: Increase in age for required beginning date for mandatory distributions (d) Effective Date—The amendments made by this section shall apply to distributions required to be made after December 31, 2019, with respect to individual...
by mrc
Wed Dec 18, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 179
Views: 27405

Re: Why should FEHB members buy Medicare Part B?

MichDad, We planned to skip electing Medicare B thinking the FEHB BCBS Basic we had pre-Medicare was good enough, and it wouldn't matter whether our providers accepted Medicare. However, BCBS ( and other FEHB plans ) pay no more than the Medicare allowance. It is possible to be on the hook for the d...
by mrc
Mon Dec 16, 2019 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Genworth raising LTCi premiums 150% over next 5-7 years
Replies: 165
Views: 9043

Re: Genworth raising LTCi premiums 150% over next 5-7 years

biscuits wrote:
Sun Dec 15, 2019 3:07 pm
Genworth may request these increases, but that does not necessarily mean they will get them. My LTC insurer, Met Life, has requested increases which my state has denied.
True. But how will ongoing rate increase denials affect Genworth's solvency over time?
by mrc
Sun Dec 15, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth raising LTCi premiums 150% over next 5-7 years
Replies: 165
Views: 9043

Re: Genworth raising LTCi premiums 150% over next 5-7 years

LTC usually ends in the recipient's death, resulting in significantly lower expenses for the surviving spouse. Do you have a source for that? It was my understanding that most LTC events are temporary and result in a discharge to home. Most "long term care" events are by definition not temporary. T...
by mrc
Sat Dec 14, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth raising LTCi premiums 150% over next 5-7 years
Replies: 165
Views: 9043

Re: Genworth raising LTCi premiums 150% over next 5-7 years

Long-term care insurance rate increases depend upon several factors: 1) When the policy was purchased. … 2) What state the policy was purchased in. … 3) Which company you buy your policy from. … 4) Your policy design. The policies with 5% compound inflation protection and a lifetime/unlimited benef...
by mrc
Fri Dec 13, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth raising LTCi premiums 150% over next 5-7 years
Replies: 165
Views: 9043

Genworth raising LTCi premiums 150% over next 5-7 years

We received the annual "we are raising your premiums 15% next year" letter from Genworth LTCi. We expected this. What surprised us was the next paragraph: "We plan to request at least 150% in additional premiums over the next 5-7 years." We have had this Cadillac policy since 2003, and we are loath ...