Search found 183 matches

by Pigeon
Fri Nov 16, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9272

Re: Granddaughter needs $ help for university

This is a tough one ... ... see music is an aspirational career and going to a cheaper public/state/community college drops your chances by a lot. This is not necessarily the case at all if you wish to be a public school music teacher. We live in one of the best public school districts in the count...
by Pigeon
Wed Nov 14, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: How to value retiree healthcare benefit
Replies: 20
Views: 1065

Re: How to value retiree healthcare benefit

In order to have any idea you will need to get specifics from the employer's HR department once you have the job offer. In my case, it's worth a great deal as I also have the situation where your unused sick leave (up to a certain amount) can be converted according to a formula depending on your sal...
by Pigeon
Wed Nov 14, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9272

Re: Granddaughter needs $ help for university

I can’t imagine paying that much for a degree in music / teaching. I would not do it. Community college for 2 years then transfer to a state school. This. Where she gets her degree will make zero difference in how much she makes if she's a public school music teacher. You get paid according to scal...
by Pigeon
Mon Nov 12, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10509

Re: Favorite "free stuff"?

A local HMO has a few free gyms in the area. You don't even have to be a member to join. One happens to be right down the road. It's not terribly elaborate, but it's clean and has everything I need.
by Pigeon
Thu Nov 01, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 78
Views: 6362

Re: What does the BH community do with their pets when they travel?

We used to have a high school friend of our daughter's take care of the pets as he seemed responsible and lived in the neighborhood. Then we went away a few days but came back one day earlier to find he'd had some friends over, they'd smoked pot in our house and drank some of our liquors. Theyd foun...
by Pigeon
Fri Oct 26, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Space needed small bathroom 1st floor?
Replies: 15
Views: 1350

Re: Space needed small bathroom 1st floor?

I don't think a half bath is going to be sufficient if you're really planning for aging in place. I've dealt with enough elderly relatives who have wanted to stay in their homes without a first floor bedroom and full bath to think this is practical.
by Pigeon
Wed Oct 24, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Cat's dental work costs
Replies: 31
Views: 2244

Re: Cat's dental work costs

jadd806 wrote:
Wed Oct 24, 2018 6:01 am

We've started brushing his teeth with CET enzymatic toothpaste once per day
That sounds like fun! How do you even go about it? I've got an elderly cat and we have an appointment for her to get her teeth looked at this week. I've been dreading being told something like this.
by Pigeon
Sat Oct 20, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6049

Re: Pull kids from school for vacations?

No. I think iit sends entirely the wrong message. They have plenty of time off to plan vacation. Our school is very strict and I don't blame them. They will not send work for the kids to do. It's a lot of work for teachers to do that.
by Pigeon
Fri Oct 19, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 12974

Re: What time do you get up in the morning?

During the week around 4:30. It's the only way I can fit in the gym. I go to sleep around 10. I dont nap ever as it makes me feel bad.
by Pigeon
Thu Oct 11, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Best Couch for Big and Tall Person
Replies: 22
Views: 57702

Re: Best Couch for Big and Tall Person

Hello Everyone - I'm trying to find advice for a couch suitable for a big and tall person. My current couch is practically laying flat on the floor in the middle so I'm looking to replace it. Funny that the loveseat is just fine - same brand and the person in my family that is the larger person is ...
by Pigeon
Wed Oct 10, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5947

Re: What the heck is growing in my yard?

dm200 wrote:
Wed Oct 10, 2018 5:31 pm
We recently had some kind of white fungus growing on leaf mulch under our maple tree. It looked like "dog vomit".
Ahh, the infamous dog vomit fungus. https://en.wikipedia.org/wiki/Fuligo_septica
by Pigeon
Wed Oct 10, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5947

Re: What the heck is growing in my yard?

I don't know what it is. Two years ago, we took out a couple of weedy trees. Last year, almost my entire lawn was suddenly covered in fungus that looked very similar to what you have, feasting on the roots of the dead trees. If it's any consolation, it didn't come back this year.
by Pigeon
Mon Oct 08, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Planning with around 500K ( helping a friend)
Replies: 11
Views: 1103

Re: Planning with around 500K ( helping a friend)

Your friend is making $220K/year. I don't see how this is really a problem if your friend takes the appropriate steps to make saving money a priority. People who make a fraction of this manage to save enough for retirement. If your friend is unwilling to make some lifestyle changes that prioritize s...
by Pigeon
Mon Oct 08, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3475

Re: What are your strategies when shopping for a house?

I decide on the basics of what I need in the house, like the number of bedrooms, baths, etc. I also have a list of preferred but not required features. There are some no-go features, like a swimming pool or being on a main road that would make a house a non-starter for me. Personally, I've found the...
by Pigeon
Sun Oct 07, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3823
Views: 1079429

Re: What Movie Have You Recently Watched?

Saw A Simple Favor today. Loved it. Lots of plot twists and fun characters
by Pigeon
Sat Oct 06, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4465

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

I'm not religious and get absolutely nothing from funerals or any other ritual. I loved my parents a great deal. I drive past the cemetery where they are buried at least weekly. I have never once gone to visit their graves. I have been dragged along to visit graves with other family members and it h...
by Pigeon
Sat Oct 06, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1533

Re: Help identify vine in backyard

It looks to me like it might be stinging nettle? Does it have very fine hair like projections on the stems? Don't pull it up without gloves. If it is stinging nettle, it will inject an irritant intom your skin that is very unpleasant.
by Pigeon
Fri Oct 05, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: How much effort to close an estate and is it worth it?
Replies: 13
Views: 1460

Re: How much effort to close an estate and is it worth it?

If your mother didn't want to do the work, she shouldn't have agreed to be the executor. Does the will name a successor executor? If not, she has to get the ball rolling in whatever process is necessary to do that. I assume the IRS is not going to be too happy if no one files the last year income t...
by Pigeon
Fri Oct 05, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3843

Re: Tackling Disney World - Discount on tickets?

WDW is expensive. You aren't going to find great deals on tickets. The discounts you can find are going to be very minimal. Personally, I wouldn't bother going for a day or two. The cost/day drops quite a bit by doing longer stays, and there is more to do there than you could see in a week. We've st...
by Pigeon
Wed Oct 03, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4465

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

It is helpful to survivors to have at least told them what you would like, preferably in writing. There can be a lot of hard feelings if people disagree about the arrangements.
by Pigeon
Tue Oct 02, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4465

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

I’m not worried. My descendants can pay for my funeral with the money in my estate. I’m not sacrificing money now so they can have more money when I croak. +1 I have paid for kids food, clothing, college... Time for someone else to pony up ;-) My feeling is that funerals are one last opportunity fo...
by Pigeon
Tue Oct 02, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4465

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

I've also researched this. It is possible to do a simple, direct cremation for considerably less than this, depending on the wishes of the individual involved. In my area, it would cost about $1,500 in total to be cremated without any fuss or unnecessary expense. Obviously, keeping the ashes and put...
by Pigeon
Sun Sep 30, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: College Student Performance Issues
Replies: 83
Views: 4657

Re: College Student Performance Issues

I'm dealing with this too. My kid is partying much more than I ever expected from her. She has made a group of less than optimal friends and is cementing the problem by joining an underground "sorority." This from a kid who always thought sororities were idiotic. I haven't seen grades yet. I will no...
by Pigeon
Wed Sep 26, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 21
Views: 1518

Re: Does health insurance cover hearing aids

Can I afford them, sure. But I don't drop $5-8K for something that will only last a few years and is often unsatisfactory fairly lightly. That's probably why I'm on bogleheads in the first place. In my personal sampling of a fair number of people who have them, who are geographically dispersed and u...
by Pigeon
Wed Sep 26, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 21
Views: 1518

Re: Does health insurance cover hearing aids

Did you know that the average person with known hearing loss waits seven years to get hearing aids? Nobody does that with eyeglasses. Sad. From the trade journal article below: "The majority of people with significant hearing loss and/or who have difficulty understanding speech in quiet or noise ap...
by Pigeon
Mon Sep 24, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: NYC weekend house: your experiences?
Replies: 18
Views: 2826

Re: NYC weekend house: your experiences?

Make sure you do the drive a few times simulating the weekend trip. Having lived in NJ for a few years, there is absolutely nothing on earth that would make me think the beach traffic is worth it.
by Pigeon
Mon Sep 24, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5191

Re: Vacation without saving adequately?

i would pass on the expensive vacation.
by Pigeon
Mon Sep 24, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 21
Views: 1518

Re: Does health insurance cover hearing aids

The only way you will know is to look at your particular policy. In general though, hearing aids aren't covered. I'm in a similar boat. My hearing is deteriorated and I am going to ask my doctor for a referral to an audiologist for hearing aids. In my case, I have excellent medical insurance but it ...
by Pigeon
Sun Sep 23, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11680

Re: Minimalist Lifestyle

I'm in the happy medium camp. I'm in decluttering mode after having to clean out a few houses of elderly relatives who refused to do any downsizing or decluttering themselves. Not fun, and I'm not burdening my kids with that. But I have no interest in living out of a suitcase, either. I hope to get ...
by Pigeon
Sun Sep 23, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3801

Re: How to get rid of rabbits

We had a part Basset hound that kept the neighborhood rabbit free, even though we only let her out in our yard and walked her on a leash. They were bred for rabbit hunting, and the rabbits seemed to realize this. Once she passed away, they came right back.
by Pigeon
Tue Sep 18, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1647

Re: Inexpensive source for greeting cards?

I'm tired of waltzing to the local CVS and spending $5+ each time I need to send someone a greeting card. It's just a piece of paper that should not cost more than $1-2.. Any suggestions for an online source to buy them? I tend to prefer witty/ironic type of messages with a touch of dark humor.. Or...
by Pigeon
Fri Sep 14, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Any cello players here?
Replies: 6
Views: 348

Re: Any cello players here?

I asked my friend who is a pretty good cello player and she agreed that the Amazon special is likely to be terrible. Her advice was to try to talk to a music teacher at a local high school with a decent music program and see what they recommend in terms of local sources for decent used instruments o...
by Pigeon
Tue Sep 11, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation house? Need objective third party
Replies: 67
Views: 6145

Re: Vacation house? Need objective third party

I think you can certainly afford it. I do think you should be mindful of lifestyle creep, but you could pay this and your mortgage off in short order if you put your mind to it. Personally, I had a stepmother who had a vacation house as did my inlaws. In these cases, they were a relatively short (2h...
by Pigeon
Sun Sep 09, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: time for new pair of glasses
Replies: 36
Views: 2605

Re: time for new pair of glasses

I've recently switched to using Costco for my eyeglasses. Prior to that I was going to Pearle. Wow what a price difference. So after reading these posts, does anyone think I can save more by using online services (Zenni etc) rather than costco? I have progressives. I also get single vision glasses ...
by Pigeon
Sat Sep 08, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: time for new pair of glasses
Replies: 36
Views: 2605

Re: time for new pair of glasses

I just ordered 4 pair, a pair of backup glasses and a pair of sunglasses for me and my daughter. The AR coating on my sunglasses has crazed badly in only six weeks, so that looking through them looks like they are coated with Vaseline. In general, you can return glasses within a month, but the AR c...
by Pigeon
Fri Sep 07, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: time for new pair of glasses
Replies: 36
Views: 2605

Re: time for new pair of glasses

I've used Zenni for several years and have been mostly pleased. They are much cheaper than bricks and mortar stores, but I've found you have to carefully select frames if you want them to be comfortable. I've had the best luck by measuring frames that fit me well and then picking out the same dimens...
by Pigeon
Wed Sep 05, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4836

Re: How much do you spend on kids extracurriculars?

We spent more than I'd care to think about on extracurriculars. Ours were TKD, a competitive youth orchestra, violin lessons, flute lessons, instrument purchases, voice lessons and dance classes. There were also several years of music camps thrown in. We spent significantly more on one kid than the ...
by Pigeon
Wed Sep 05, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 796

Re: New microwave or seek service options?

I would do a little scouting to see how much a new machine would cost.
by Pigeon
Tue Sep 04, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6880

Re: Walmart is not Amazon

I have never had an experience with Walmart, physical or online, that wasn't atrocious.

Amazon, in my experience, does try to make things right if something happens with a third party seller.
by Pigeon
Thu Aug 30, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8600

Re: Mega Downsize....

Just beware, Freecycle can be full of weirdos. Trying to use mine was not good. I had much better luck with the local Nextdoor and Facebook neighborhood groups.
by Pigeon
Thu Aug 30, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8600

Re: Mega Downsize....

I'm just starting to work on getting rid of my excess crap, but have also had to clear out several relatives' homes when they died. It was a miserable and exhausting experience and I don't want to do that to my kids. A few of them had very nice, good quality things. My best friend is in the process ...
by Pigeon
Thu Aug 30, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5653

Re: Planning for an Indian wedding In NY/ NH area.

Weddings and funerals are 2 life events on the opposite spectrum where culture trumps most other concerns. It's one of those things where the wedding is built into the Indian/Pakistani/Bangladeshi (desi culture) as a representation of how your family treats those within the community (for better or...
by Pigeon
Thu Aug 30, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Mother-in-law moves in...should she pay for extra household costs?
Replies: 10
Views: 1117

Re: Mother-in-law moves in...should she pay for extra household costs?

This is really a relationship issue, not a personal consumer issue. It sounds like there is unresolved conflict and resentment about his mother moving in with you and what his siblings have/haven't done to help care for her. It's not really about the $60/month, as you say you can easily absorb that....
by Pigeon
Tue Aug 28, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: What to put in a care package for college student
Replies: 44
Views: 2764

Re: What to put in a care package for college student

Young college students range from "wash the sheets in hot water every three days" to bringing very stiff bedding home for Christmas.... Does he need Tide pods, quarters, stain remover spray, a how-to-do-laundry manual (there's a 416 page book available. :wink: ) Money to pay the dorm entrepreneur w...
by Pigeon
Mon Aug 27, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: What to put in a care package for college student
Replies: 44
Views: 2764

Re: What to put in a care package for college student

I just sent one to my freshman daughter.

Homemade cookies
Favorite snacks (goldfish, chips, dark chocolate)
Tea, cocoa packets
condoms
an air freshener (her roommate is not terribly clean)
a grown up card game like Cards Against Humanity
by Pigeon
Mon Aug 27, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Cheaters or prescription bifocals
Replies: 22
Views: 1533

Re: Cheaters or prescription bifocals

I've got progressives, but I like cheaters better for reading for extended periods, especially if I'm reading in bed. It's fine for me to glance down through the reading part of the progressives, but for extended reading, I find that uncomfortable. Cheaters are sufficiently cheap you can pick up a p...
by Pigeon
Sat Aug 18, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13835

Re: Teachers Who Have Net Worth of $1 million +

We're a teacher and a librarian. There was nothing magic about our saving, it's basically following the Millionaire Next Door principles. It was a second career for dh. While he'll get a decent pension, it won't be anything close to his salary. We both worked full time, automated our savings and liv...
by Pigeon
Tue Aug 14, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3544

Re: Best consumer products - made in USA

As previously noted, Darn Tough Socks. Also, my All Clad pots and pans were (hopefully still are) manufactured here. And the best loppers I've ever had are manufactured in the US. The manufacturer is Florian, and they're out of stock right now. :annoyed And don't forget New Balance shoes. And Washi...
by Pigeon
Tue Aug 14, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2536

Re: Travel over thanksgiving holiday, drive or fly?

If I had to drive, I'd do the traditional turkey dinner with the family the weekend before, and would drive to NYC on Thanksgiving morning. Traffic isn't bad at that time. I would take Monday off and pull the kids out of school and drive back then. Nothing would get me to travel on Friday or Sunday.
by Pigeon
Tue Aug 14, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3544

Re: Best consumer products - made in USA

Telescope Casual Furniture for patio furniture
Temple Furniture for upholstered furniture