Search found 1168 matches

by mrc
Thu Sep 20, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 17
Views: 453

Re: Painting kitchen cabinet

Slight divergence - I am wanting to paint just the shelves inside the cabinets, because they are maked up by cans, pots, etc, over many years. The oiutside is Formica after a refacing job and is OK. My concern is what paint to use to make sure that once I put stuff back in, it doesn't stick/damage ...
by mrc
Wed Sep 19, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: TSP to Increase Stock Holdings in L Funds
Replies: 36
Views: 1539

Re: TSP to Increase Stock Holdings in L Funds

I wonder when the next change will be? Market timers should be so excited about this, that the TSP is always going to try to remain hip and viable to whatever's popular in a given year. The TSP is hip. You must be joking. They take forever to do anything. In order to do a withdrawal, you must eithe...
by mrc
Wed Sep 19, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: TSP to Increase Stock Holdings in L Funds
Replies: 36
Views: 1539

Re: TSP to Increase Stock Holdings in L Funds

Until we discovered the three-fund portfolio, we used an L fund that was a (much) later date than actual retirement age. We did this because the date fund was a too conservative for our taste. They still are: The 2040 fund (23 years out) at 28% bonds, remains higher than our desired bond allocation....
by mrc
Wed Sep 19, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: A Frustration w/ Ally Bank, Trust Account, and Paperless Statements
Replies: 21
Views: 1329

Re: A Frustration w/ Ally Bank, Trust Account, and Paperless Statements

A locking mailbox can solve this problem. Our box is across the street, and I've been thinking about doing just that for a while. Something like this model, isn't Fort Knox, but would deter the average drive-by sticky fingers from grabbing a statement.
by mrc
Sat Sep 15, 2018 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5714

Re: Lab test prices - exasperating!

The common theme with all these threads is insurance companies. Period. Insurance companies make it difficult to verify coverage, but I don't see how they're responsible for labs not providing you a cash price when you ask. Managed Care Pharmacy Benefit Managers 400 page health insurance plans One ...
by mrc
Wed Sep 12, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA: Help with Payout Options
Replies: 24
Views: 1634

Re: TIAA: Help with Payout Options

That is, don't annuitize at all, except for the TPA if necessary. This might make sense because (a) you don't need annuity income to help cover your expenses, and (b) your TIAA accumulation is a fairly small fraction of your assets. Putting it all into the IRA would simplify things. This is exactly...
by mrc
Mon Sep 10, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8220

Re: Botched countertop installation - leave it as-is or risk the repair?

For the record, that recent picture of the caulk goober gave me hives. Good luck!
by mrc
Mon Sep 10, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8220

Re: Botched countertop installation - leave it as-is or risk the repair?

I detest visible clear silicone sealer wider than a hairline. The cove of silicone on the cheek corners and finger smears along the side (or back) of the sink is not a professional installation. There is way too much caulk used. If this can't be redone and made a more flush install, I would be surpr...
by mrc
Sat Sep 08, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 169
Views: 7610

Re: Can Sneakers go with Business Casual?

Can they? Yes. But not in every situation. I wore an all black New Balance running shoe for years in an IT position within a financial services company. Despite the not invisible "N" on the side, my manager never said anything about a dress code violation. I wouldn't consider a flashy reflective sil...
by mrc
Wed Sep 05, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: HVAC annual contracts vs yearly annual cleaning
Replies: 32
Views: 2197

Re: HVAC annual contracts vs yearly annual cleaning

We have an oil burner, which does require an annual tuneup. Have service contracts on the furnace, oil-burner water heater, and A/C. Also the oil tank. During a severe February cold snap, the heat went out. Turns out, due to colder than normal temps, we simply ran out of oil. Ice put the auto-delive...
by mrc
Mon Sep 03, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Replace a central vac?
Replies: 4
Views: 308

Re: Replace a central vac?

I have a Beam whole house vac, and the vac unit died. I bought a new one and swapped it in for the old. Very easy. I bought a longer hose and a better power head at the same time. I removed the muffler and ran a 2" PVC to outdoors so now mine exhausts outside. Great invention. Hopefully any weakness...
by mrc
Mon Sep 03, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3072

Re: How often do you change your HVAC filters?

I never change them but I clean them often: I have washable 'self charging' electrostatic filters both behind the two main return grills, and at the furnace. I wash the furnace filter every month, and the returns every week. You should see the stuff that doesn't even enter the return plenum! We have...
by mrc
Fri Aug 31, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Federal retirees - avoid all tax withholding on retirement income streams?
Replies: 7
Views: 1157

Re: Federal retirees - avoid all tax withholding on retirement income streams?

The TSP website is a good resource 5. Tax Withholding From Your Withdrawal We must withhold federal income tax from the taxable portion of TSP payments made directly to you. For withholding purposes, there are three types of payments: eligible rollover distributions, periodic payments, and non-perio...
by mrc
Thu Aug 30, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3084

Re: Piano for a child

I was a music major, and owned a baby grand before a cross country move. I would never own another mechanical piano. They need constant upkeep, are sensitive to temperature and humidity, weigh a ton, and constantly need tuning. If I could still play, I would get a nice Yamaha digital. Look at the we...
by mrc
Wed Aug 29, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 62
Views: 8177

Re: Ladies: bra shopping question

What strikes me - mouses specifically posted she was not interested in underwire styles. So, the thread gets deluged with posts recommending brands known for focusing primarily on underwires :? :? I think all of the brands discussed offer some wireless styles, so I’m not sure I understand your poin...
by mrc
Tue Aug 28, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5311

Re: How to repel wild dogs?

I'm curious where you are going. Can you tell us? China A knife and fork should scare 'em off. !!!!!!! I didn't get it at first, but now that I do I'm not sure whether to laugh or cry. Indeed! Being chased down is a serious issue for sure. I'm far less concerned about the lone border collie without...
by mrc
Tue Aug 28, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5311

Re: How to repel wild dogs?

Caduceus wrote:
Tue Aug 28, 2018 1:32 pm
Nate79 wrote:
Tue Aug 28, 2018 12:06 pm


I'm curious where you are going. Can you tell us?
China
A knife and fork should scare 'em off.
by mrc
Tue Aug 28, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5311

Re: How to repel wild dogs?

Some good ideas from crazyguyonabike

Pepper spray is the choice.

Favorite line: On using sonic repellent devices: how to tell if a dog is deaf.
by mrc
Sat Aug 25, 2018 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 7659

Re: Marriage [How should finances be handled?]

We used a yours, mine, and ours method: Separate checking accounts one for each of us so one of us didn't clean out the joint account. No "permission" to buy shoes or a sale tool. We discuss major purchases beforehand. All monthly EFTs for utils and CC bills come out of my account, and regular trans...
by mrc
Wed Aug 22, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: wood flooring recommendations
Replies: 13
Views: 1307

Re: wood flooring recommendations

Darker floors show dirt more, and make the room(s) look smaller. We used a dedicated floor covering store to order the wood several times, and once from Home Depot. I installed. I wouldn't use HD again because they stopped carrying that line (it was narrow pre-finished maple that was just gorgeous)....
by mrc
Mon Aug 20, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6554

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

Many docs are switching to a direct patient care model, where they do not participate in any insurance. And get this: spend all their time practicing medicine. This office may be in such a transition. Wife's Gyn does this. She pays his fee, and walks out with (two copies of) an ICD coded summary and...
by mrc
Sat Aug 18, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6125

Re: Terminating an employee with company car

Why not do for the employee what you would appreciate if it were you. He'll remember the day forever, so isn't it best that he recall that you were kind about it? Uber, taxi, escort home, rental, any of these demonstrate caring. Good luck.
by mrc
Fri Aug 17, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Stains coming through white painted wood stair risers
Replies: 15
Views: 1601

Re: Stains coming through white painted wood stair risers

jimmo wrote:
Fri Aug 17, 2018 8:22 am
Reporting back on this project. I used Zinsser B-I-N stain blocker (shellac). Now 10 months later still no stains coming through. So thanks all for the advice. It was spot on.
:sharebeer

Spot on. Nice.
by mrc
Tue Aug 07, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Getting the stink out of synthetic shirts
Replies: 37
Views: 2620

Re: Getting the stink out of synthetic shirts

This is a complex problem not easily solved. You could consider an armpit bacteria transplant.

What you eat feeds your bacteria too. After I went low carb, the stink problem vanished.
If you have the good bacteria present, eventually you have no bad odor.
by mrc
Sat Jul 28, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Mold in caulk of shower
Replies: 21
Views: 2220

Re: Mold in caulk of shower

This is what works 99% of the time, in my experience: https://www.homedepot.com/p/ZEP-32-oz-Mold-Stain-and-Mildew-Stain-Remover-ZUMILDEW32/100619250 Just spray on, and you can watch the mold disappear in about 3-5 minutes. Then just spray down with water. Have the bathroom fan on as the fumes are v...
by mrc
Sat Jul 28, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Mold in caulk of shower
Replies: 21
Views: 2220

Re: Mold in caulk of shower

Bengineer wrote:
Sat Jul 28, 2018 7:21 am
I use the bath fan, squeegee the shower and leave the enclosure door cracked to speed drying. Scrubbing the interior every so often doesn't hurt either. :D
That right there is necessary. Wet+time=mold
by mrc
Sat Jul 28, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Mold in caulk of shower
Replies: 21
Views: 2220

Re: Mold in caulk of shower

Bleach. The tricky part is getting it to stick long enough to work. A couple hours. I've used a baking soda/bleach paste with good results. You'll also want to correct the conditions that enable the mold to grow. If you remove the old caulk (not easy) and reapply, the new caulk will eventually mold ...
by mrc
Thu Jul 26, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with a Developer
Replies: 48
Views: 3700

Re: Investing with a Developer

This thread is wiki material IMHO.
by mrc
Wed Jul 25, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3439

Re: Intermittent Fasting

Dr. Jason Fung's The Complete Guide to Fasting is a great starting reference (with practical solutions). Many OMAD and Intermittent Fasting folks tend to be low carb (because higher carb diets make fasting much more difficult). To say much more will get the thread closed.
by mrc
Sun Jul 22, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 48
Views: 3087

Re: Where do you buy CPAP replacement parts?

It might not be true but I've purchased three over the last three years on ebay. No problems on my side. CPAP machines are prohibited items on Ebay. If you list, sell, or purchase one you are in violation of Ebay's policy. Not sure what might happen when one violates this policy, but this board's p...
by mrc
Sat Jul 21, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 48
Views: 3087

Re: Where do you buy CPAP replacement parts?

A large amount of people quit using the CPAP machine after purchasing the equipment. The reason for this is because the CPAP therapy is very difficult to adapt to using routinely. There is a large stockpile of CPAP machines that are floating around as a result that can be purchased on places such a...
by mrc
Sat Jul 21, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Benefits Question - Annuity, TSP, FEHBP
Replies: 21
Views: 1523

Re: Federal Benefits Question - Annuity, TSP, FEHBP

FEHB for Retirees and Survivor Annuitants Federal retirees and their surviving spouses retain their eligibility for FEHB health coverage at the same cost as current employees. In order to carry your FEHB coverage into retirement, you must be entitled to retire on an immediate annuity under a retire...
by mrc
Sat Jul 07, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 46
Views: 4898

Re: garden hose

I need to replace my garden hose after 30 years plus. It is a black hose that I got at Sears. Any recommendations would be appreciated. I recently purchased several black rubber hoses from Sears, after I accidentally let one freeze and split. These are the best hoses I've ever had, and should Sears...
by mrc
Fri Jul 06, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5423

Re: Every Other Friday Off

I worked 4 10s for years, and was available remotely on Fridays. Over an hour one-way commute, so this helped a lot.

I ended up going into the office (cube) only two days a week, so it worked well for me.

Not all jobs are good for that though.
by mrc
Wed Jul 04, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Vacuum Quandary
Replies: 10
Views: 956

Re: Vacuum Quandary

Is there a beater bar that's not working? If it won't pick up a dead cat, something's clogged or a vent may be open. The filter/bag may look clear, but be clogged with fines that will stop the airflow.
by mrc
Mon Jul 02, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4990

Re: Retiring in Michigan (Ann Arbor)

Haha Ypsilanti and Detroit are a little too "diverse" for me. Pretty high crime rates that occasionally spill into Ann Arbor. Ann Arbor is pretty far left wing, second only to maybe Berkeley or Boulder. The west side of the state is much more conservative and also closer to Chicago, a much nicer ci...
by mrc
Thu Jun 28, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2208

Re: AOL - update to terms of service

But after the third ISP (and email address) change, I got a domain. Anyone I cared to hear from got the new address and that hasn't and won't change again. Take the plunge, you'll be glad you do. Can you elaborate? Some entity must be hosting (probably not the right term) your domain name and provi...
by mrc
Thu Jun 28, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2208

Re: AOL - update to terms of service

some folks say 'just leave XXXX email' and go to XXX service. Keep in mind if one has had the same email address for 10+ years where family and friends know how to reach you, it isn't that simple, else you become the one sending out 'this is my new email address' every year when you switch accounts...
by mrc
Wed Jun 27, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10777

Re: Lost out on promotion

I don't know about the Law of Attraction, but these are among the phrases I kept handy when I was working to deal with office politics ... Let the work speak for itself—even if your work is unacknowledged, you are growing & getting stronger Don't spend time keeping score Don't keep swallowing poison...
by mrc
Mon Jun 18, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 74
Views: 5800

Re: "distilled" water for wife's CPAP machine

This thread is getting very "medical."
by mrc
Mon Jun 18, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Advisory Portfolios
Replies: 23
Views: 1141

Re: Northwestern Mutual Advisory Portfolios

About a year ago, when we talked to a NWML rep about our portfolio, the advisory cost was 1.4% (less with higher amounts approaching 1M), plus the ER of the individual funds. The write up was spiffy, as was the office decor. We stayed with TSP and TIAA, broad index funds because reversion to the me...
by mrc
Mon Jun 18, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual Advisory Portfolios
Replies: 23
Views: 1141

Re: Northwestern Mutual Advisory Portfolios

About a year ago, when we talked to a NWML rep about our portfolio, the advisory cost was 1.4% (less with higher amounts approaching 1M), plus the ER of the individual funds. The write up was spiffy, as was the office decor. We stayed with TSP and TIAA, broad index funds because reversion to the mea...
by mrc
Sun Jun 17, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3106

Re: Northern Bank Direct MM - 2.26% APY

Be sure you can initiate transfers from another bank, the daily/monthly limits on external transfers from NBD out are $K/$25K. If you initiate the electronic transfer from your Northern Bank Direct account, there is a maximum daily limit of $5,000.00 (or the available balance in your account, whiche...
by mrc
Fri Jun 15, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 29
Views: 2478

Re: Learning how to fix/repair things

I learned a lot from the Time-life Home Repair & Improvement Set ( 36-volume Set) Hardcover – 1977. Buy good quality tools, cheap ones will let you down and you'll but another better one anyway. Use care around sharp things, and electricity. Haven't cracked a book in years, but I have checked out yo...
by mrc
Fri Jun 15, 2018 4:34 am
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4993

Re: Water heater installation situation

These installers are not very helpful. Is this the first time it has come up in their career? Sheesh. They have likely seen this repeatedly. So should have some idea how to solve this quickly & cheaply. I would almost expect them to have a few stands on their truck A stand would work, except that i...
by mrc
Fri Jun 15, 2018 4:30 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10581

Re: I was rear ended and the other guy wants a payout!

boglerdude wrote:
Thu Jun 14, 2018 11:53 pm
Dash cams.
With a rear-facing camera as well. Very useful.
by mrc
Thu Jun 14, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10581

Re: I was rear ended and the other guy wants a payout!

Yes, obtain the police report. A guy came down a hill on wet pavement, fall leaves covering the road, and with bald tires. Hit me head on, in my lane. The police didn't issue a citation b/c other than maybe going to fast, breaking the laws of physics isn't an infraction. Nevertheless, his insurance ...
by mrc
Thu Jun 14, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Target date funds offered to Vanguard crew
Replies: 6
Views: 926

Re: Target date funds offered to Vanguard crew

Some companies establish Common Trust funds for employees. They function the same as mutual funds, but require lesser reporting, and as a result lower fees. At my old firm, these vehicles had internal, private symbols.
by mrc
Thu Jun 14, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: Is "Tank-Guard" home heating oil warranty worth it?
Replies: 11
Views: 1033

Re: Is "Tank-Guard" home heating oil warranty worth it?

If your tank leaks into the ground and contaminates the soil, the required environmental remediation could cost a whole lot more than $2,000. I would consider proactive replacement or even better converting to gas if available. Nope, no gas lines where I live. How would I know when to replace an oi...
by mrc
Tue Jun 12, 2018 4:05 am
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 3064

Re: death certificates...hospice and 911

With my MIL, hospice emphasized to call them, and do not call 911. The role of 911/EMS is to revive with extraordinary means if necessary, which is counter to the hospice objective. Dying at home (or in a hospice care facility, but not a hospital) is a process—the hospice folks orchestrated every st...