Search found 1129 matches

by mrc
Mon Jun 18, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 65
Views: 4175

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: 957

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: 957

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
Replies: 16
Views: 2300

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: 2244

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: 4381

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: 106
Views: 8911

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: 106
Views: 8911

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: 869

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: 896

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: 2914

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...
by mrc
Mon Jun 11, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Social Security for surviving spouse
Replies: 11
Views: 857

Re: Social Security for surviving spouse

"Loophole" is the word most often used when describing a restricted application, or the previous practice of File and Suspend. I don't see why complying with Federal law as written is a "loophole". It's the very definition: loophole 2 : a means of escape; especially : an ambiguity or omission in th...
by mrc
Thu Jun 07, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: good place to buy window curtains
Replies: 9
Views: 807

Re: good place to buy window curtains

Depends on your tastes and decor: Vermont Country Store (formerly Country Curtains): https://www.vermontcountrystore.com/country-curtains-welcome Smith+Noble: https://www.smithandnoble.com/ JC Penny: https://www.jcpenney.com/g/curtains-drapes/N-1b0lvh6D1noxaa We have used all of these with good resu...
by mrc
Tue Jun 05, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5149

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

Be sure all the vents and plenum dampers are wide open, and pull all the filters. Run the AC. If the coil freezes, it's the system (charge, valve, etc). If not, it's the filters/dampers. I shut our upper story damper half way in the winter so the upstairs doesn't get too hot. In the summer, I would ...
by mrc
Tue Jun 05, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: Best case to convert a Bogle skeptic?
Replies: 56
Views: 4856

Re: Best case to convert a Bogle skeptic?

You are trying to convince someone who spent their life as an ML FA that paying an ML FA is a waste of money? It certainly seems like it would be a fool's errand to me. I spent 20 years in the IT dept. of a financial advisory services firm, with an employee 401(k) plan that only recently added a co...
by mrc
Mon Jun 04, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4105

Re: steel cut oats in bulk

I've used Honeyville for bulk grains, flours, and several other dry goods. Easy to order and good quality.

They have steel cut oats in several quantities, and many other grains worth trying.
by mrc
Sun Jun 03, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10385

Re: Are people aware that Verizon email is being terminated?

Wakefield1 wrote:
Sun Jun 03, 2018 3:43 pm
imap.aol.com is what my application is trying to connect to in order to get messages
Me too. Also these setting (worth checking):

port: 993
user name: xxx@verizon.net
Connection security: SLS/TLS
Auth: password
by mrc
Sun Jun 03, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 63
Views: 10385

Re: Are people aware that Verizon email is being terminated?

Just to report,as of now and for the last few months I can only access incoming mail on my "verizon.net" e mail address by going to the AOL web portal,my e-mail application does not work. Annoying and there are all of those ads on the AOL web site. I wonder if that is true for others? (my e-mail ap...
by mrc
Sat Jun 02, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 42
Views: 3323

Re: 6 hour layover on Heathrow

Don't you have to clear customs as well? Even just your person will take time.
by mrc
Fri Jun 01, 2018 4:48 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 447
Views: 81265

Re: Forum software upgrade bug reports and change requests

What some people do is use the code tags, indicated by </> above. This puts the text in a non-proportional font. You can then use tabs or spaces to align things. It's not super easy, but works after a fashion. Use a lot of previews. column1 column 2 column 3 11 22 33 Thanks Earl! Yes, this is a goo...
by mrc
Fri Jun 01, 2018 4:43 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 447
Views: 81265

Re: Forum software upgrade bug reports and change requests

What some people do is use the code tags, indicated by </> above. This puts the text in a non-proportional font. You can then use tabs or spaces to align things. It's not super easy, but works after a fashion. Use a lot of previews. column1 column 2 column 3 11 22 33 Thanks Earl! Yes, this is a goo...
by mrc
Wed May 30, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Updated (May 2018) TSP Withdrawal Options from FRTIB
Replies: 9
Views: 722

Updated (May 2018) TSP Withdrawal Options from FRTIB

The FRTIB published an updated Withdrawal Options fact sheet dated May 2018, which reflects the recent legislative changes: Updated information about changes to TSP withdrawal options — (May 30, 2018) A fact sheet about planned improvements to TSP withdrawal options has been updated to provide more ...
by mrc
Tue May 29, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2460

Re: Solid Raw wood from South Africa infestation?

I would not worry about bugs in the stove. But I am also prone to making statements about termites being a good source of protein and citing FDA Defect Action Levels. Warning: do NOT search for "FDA Defect Action Levels" if you have a squeamish disposition, or enjoy eating . When my father was in c...
by mrc
Tue May 29, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3568

Re: New roof - does this ridge vent look right?

I'm not a fan of what appear to be exposed (unsealed) staples either. The low spots may collect water and leak. Should look more like this.
by mrc
Tue May 29, 2018 4:23 am
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2460

Re: Solid Raw wood from South Africa infestation?

I would not worry about bugs in the stove. But I am also prone to making statements about termites being a good source of protein and citing FDA Defect Action Levels. Warning: do NOT search for "FDA Defect Action Levels" if you have a squeamish disposition, or enjoy eating . When my father was in c...
by mrc
Sun May 27, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 31
Views: 23576

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

Husband didn't listen to me and went to Costco for his eyeglass prescription. They did it WRONG. My son had to get glasses yesterday, so I told them to go to our regular optical place because we still had a credit there anyways. I told husband to have them check his glasses to see if the prescripti...
by mrc
Thu May 24, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: quality exterior stain?
Replies: 14
Views: 945

Re: quality exterior stain?

metrunt wrote:
Thu May 24, 2018 2:43 pm
mrc wrote:
Wed May 23, 2018 5:19 pm
According to the TWP website, they ship to 48 states, ground only. The product isn't illegal in 15 states. It's good stuff. Prep is key.
TWP 100 is great stuff. But it can't be shipped to 15 states: https://www.twpstain.com/voc-states
Oops, you are correct. I hate it when that happens.
by mrc
Wed May 23, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: quality exterior stain?
Replies: 14
Views: 945

Re: quality exterior stain?

Is this for a house? A deck? TWP 100 is the best. So good it's not legal in 15 states. www.twpstain.com The house and garage. I wouldn't want to use something that's bad for the environment. According to the TWP website, they ship to 48 states, ground only. The product isn't illegal in 15 states. I...
by mrc
Mon May 21, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Anyone Using Food Sealing Vacuums (eg FoodSaver)?
Replies: 23
Views: 1854

Re: Anyone Using Food Sealing Vacuums (eg FoodSaver)?

I use a sous vide water cooker almost constantly, so the vacuum sealer and bags are very useful to me. I also buy in bulk, and vacuum seal for freezing or dry storage items like nuts. I can freeze broken down briskets or pork shoulders before or after cooking. I have some smoked salmon in the fridge...
by mrc
Fri May 18, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Help Adjusting to New Google Finance
Replies: 5
Views: 702

Re: Help Adjusting to New Google Finance

mouses wrote:
Fri May 18, 2018 11:24 am
inbox788 wrote:
Fri May 18, 2018 10:57 am
Today, I just noticed they "tabletized" the desktop page.
Is tabletizing what it's called when a perfectly good webpage is ruined by making it look like it's designed for preschoolers and it sucks eggs on a pc?
Yep. See also tiaa.org
by mrc
Tue May 15, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 33
Views: 2044

Re: Debating whether to rebuild tractor or buy a new zero turn

I have a tow hitch plate mounted on my eXmark ZT. I can pull a core aerator, drop/broadcast spreader, etc. with it. No stumps though: Pulling too much risks damage to the hydrophilic drive. With a mulching kit (chute block and mulching blades) the mower cuts very well. I'd never go back to a belly m...
by mrc
Mon May 14, 2018 10:54 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11646

Re: The front page is ugly

I hear Edward Jones has a pretty snazzy landing page. :wink:

Not all serif fonts are easy to read than any sans font, and none are easier for me as I cope with astigmatism.

The bookmark to the topics page is spot on.
by mrc
Wed May 09, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Do you know anyone unhappy in a CCRC?
Replies: 41
Views: 4687

Re: Do you know anyone unhappy in a CCRC?

My in-laws removed my MIL from an upscale CCRC as her dementia worsened. When my FIL/MIL sold their home and moved into their apartment, life for them was great. Meals in the dining room or cooked in the apartment. Activities galore. In-house medical staff available 24x7. Assisted living and nursing...
by mrc
Fri May 04, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 9637

Re: Warning: avoid Windows 10 update 1803

It is indeed true that once you try Mac, you never go back. False. Not very everyone. I had more problems with Macs that I have with Windows. We have nearly fully moved everything back to Windows PCs and Laptops in my house - one remaining MacAir (last troubleshooting exercise I had to do was on th...
by mrc
Fri May 04, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 9637

Re: Warning: avoid Windows 10 update 1803

It is indeed true that once you try Mac, you never go back. False. Not very everyone. I had more problems with Macs that I have with Windows. We have nearly fully moved everything back to Windows PCs and Laptops in my house - one remaining MacAir (last troubleshooting exercise I had to do was on th...
by mrc
Thu May 03, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Do you use computer glasses?
Replies: 16
Views: 1377

Re: Do you use computer glasses?

I find progressive lenses (distance + astigmatism correction) + a reading boost work well in front of the computer. My mom liked trifocals. I dislike the idea of constantly switching glasses, and lookup up across the room to a blur. If you don't need a distance correction, you could get an intermedi...
by mrc
Tue May 01, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8996

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

As a dad, I would not only ask to be notified daily, I will demand it. Their experience and freedom will not be compromised if they take 5 seconds out of the day to send a text. You can even make a code word for them to send you once a day. The word will be their way of telling you everything is go...
by mrc
Mon Apr 30, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 3043

Re: Avocado Timing

Buy them with the stem hole green or yellow. If the scar is brown/grey avoid the fruit. Skin firmness and color matters less. Most folks buy them overripe and then lose them to overripe/blackening. Refrigeration slows ripening enough that if you find them coming in on the counter, with the event th...
by mrc
Mon Apr 30, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 273
Views: 34213

Re: MoviePass-Too good to be true, but it's legit.

Enjoy MoviePass while it lasts ... https://wapo.st/2HDNkgO?tid=ss_mail&utm_term=.c335c70dd82a Many theater owners shake their heads at the model, wondering about the long-term health of a company that needs to attract people passionate enough about movies to buy a monthly subscription but too lazy t...
by mrc
Sun Apr 29, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Can Employer Set 401k Contribution Limit Below IRS Limit?
Replies: 33
Views: 2520

Re: Can Employer Set 401k Contribution Limit Below IRS Limit?

Currently I make $60k a year, and have been contributing 30% of my paycheck so far this year in order to max out my 401k at the IRS limit of $18.5k. Can a company actually do such a thing as this? I had no idea... Did work the math on your contribution amount? Perhaps you set your deduction to 30%,...
by mrc
Sun Apr 22, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Prepping My Snowblower for Off-Season
Replies: 11
Views: 1125

Re: Prepping My Snowblower for Off-Season

Here is something I read years ago for storing lawn mowers. It seems that it would apply to any small gasoline engine. 1. Run out all the gasoline. 2. Remove the spark plug. 3. Pour about a tablespoon of oil into the cylinder. 4. Pull the starter cord a few times to coat everything with the oil. 5....
by mrc
Fri Apr 20, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10515

Re: Got hit with a $2800 Medical bill. Can I negotiate?

The restaurant butcher chart is wonderfully entertaining, and really underscores how broken the health care delivery system in the U.S. is. A major problem is that billing for every encounter + coding + insurance carrier + individual plan choice + position in the annual cycle (have you met the deduc...
by mrc
Sun Apr 15, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Trinity Study updated to 2018
Replies: 156
Views: 16345

Re: Trinity Study updated to 2018

I'd love to read it, but can't open anything at Forbes. This has happened before. Anyone else having this problem? I'm using Safari 11.0.3 I am using the current version of Safari, which is 11.1, and it works for me. Consider upgrading. It is free. Thanks. I'll give it a look. Edited to add : Well,...
by mrc
Wed Apr 11, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being unreasonable? [Send daughter to private kindergarten]
Replies: 70
Views: 4211

Re: Am I being unreasonable?

Elementary-age private school never made any sense to us, unless your public school options are unacceptable. Even for middle and high school age, it makes sense only if the public option is intolerable (and there are other reasons for remaining in that district).
by mrc
Wed Apr 11, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Former employer plan - IRA or roll over to current employer plan
Replies: 4
Views: 278

Re: Former employer plan - IRA or roll over to current employer plan

I believe under some circumstances, 401k/403b plans have more protection from judgements/creditors/divorce settlements than do IRAs.
by mrc
Wed Apr 11, 2018 5:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs TIAA
Replies: 58
Views: 2216

Re: Vanguard vs TIAA

I was ready to move to Vanguard until I discovered my former employer (a large university) offered Vanguard TSM/TBM institutional class funds within the plan. Instead of moving from a higher cost house to Vanguard, I moved everything to TIAA. But I only hold Vanguard funds within. We are among the l...
by mrc
Sat Apr 07, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Best place to photograph the sunrise at DC's Tidal Basin
Replies: 5
Views: 251

Re: Best place to photograph the sunrise at DC's Tidal Basin

Find the most crowded spot and that will be the place. :wink: There will be lots of people, so take that into consideration. Personally, I like shots that include the Jefferson memorial. And blossom closeups where there are more trees in the background. Makes for a beautiful bokeh. PS It may be rain...
by mrc
Tue Apr 03, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 103
Views: 134740

Re: Experience selling car to Carmax?

jehovasfitness wrote:
Tue Apr 03, 2018 12:18 pm
sold a truck to them once, smooth process.

I was under the impression they would only buy cars that were a certain age, as in no older than 6 yrs if I recall.

is that no longer accurate or was it ever that way?
A year ago, we sold a low mileage 2002 to Carmax.
by mrc
Fri Mar 30, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Portable Inverter Generator vs Standby Generator
Replies: 78
Views: 3334

Re: Portable Inverter Generator vs Standby Generator

Capital cost of larger portables, and the fuel use goes up with output. I sized my portable to max load plus some wiggle room. I typically throw the breakers on the fridge/freezer, the microwave, and the well pump to be sure none come on at once. Makes a huge difference. The pressure tank on the wel...