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BogleFanGal

Curious if anyone who has researched CCRCs knows if there's a particular area of the country known for offering better quality/upscale/nicer choices - and if there are any areas known for the more depressing or unstable facilities?

BogleFanGal

He wouldn't get paid for a 3rd exam per year unless I paid out of pocket. I'm a little puzzled by those who get examined every time they visit - they must have good insurance or dentists just waive the fee. I go 3 times/year and pay $130 out-of-pocket for the 3rd visit. I've had more than $900,000 ...

BogleFanGal

My insurance only covers 2 exams a year - but I go 3x for cleanings. The dentist does not examine my mouth unless I'm scheduled for a bi-annual exam or have a problem to report. There were several times I was there for a cleaning and the dentist was out that day. This has happened at several dentist...

BogleFanGal

I'm a traditionalist that likes the ceremony of the cork, but I could also happily get used to screw top bottles in time because (A) no separate opener is needed and (B) easy to reseal. But cans - no way! Regardless of wine taste, I want the ability to reseal. That container style definitely doesn'...

BogleFanGal

I'm a traditionalist that likes the ceremony of the cork, but I could also happily get used to screw top bottles in time because (A) no separate opener is needed and (B) easy to reseal. But cans - no way! Regardless of wine taste, I want the ability to reseal. That container style definitely doesn't...

BogleFanGal

another vote for the paperwhite...love it. (No experience with oasis)

BogleFanGal

Feel the Fear . . . and Do It Anyway Paperback – December 26, 2006 by Susan Jeffers (Author) Yes, we cannot live our lives staring into the void. Take reasonable precautions and keep on living. Between this thread and the "who will take care of me" child-free thread, the stress and worry over what ...

BogleFanGal

"Because a lot of people hear have unhealthy relationships with money where the joy of money is from hoarding it." It's not always "joy of hoarding" as if the person is a greedy miser. It's often fear-based. Money = safety/security. A significant purchase commitment feels scary: like they're sacrif...

BogleFanGal

Why not have your daughter spend two years at the local community college living at home and then transfer? Didn’t hurt me (attorney), my brother (teacher) or my son (CS degree and employed as a programmer after graduating this year with his BS). Now college is paid for and no need to tap the 401k....

BogleFanGal

You need to determine how much in after tax 401k contributions were included in the old rollover. If you retained a copy of the final 401k statement it should show the amount of your after tax contributions, which are called "employee contributions". Thanks Alan - so kind of you to take the time to...

BogleFanGal

See Line six (6) of Form 8606. All pre-tax balances in all traditional, SEP and SIMPLE IRA are included in pro-rata calculations. You can not treat any IRA in isolation. Thanks for the quick reply. :beer Not surprised, but was hopeful. Oh well...guess these conversions won't be happening anytime so...

BogleFanGal

Would like to do a Roth conversion of one tax-deferred IRA account while tax rates are lower. But also have a huge self-inflicted mess to clean up in another tax-deferred IRA acct that I don't have the time and energy to untangle right now. Cutting right to the chase with my question: Does the IRS a...

BogleFanGal

I'll add to above pros and cons for the interlock kit and generator sub-panel. Interlock kit. (Cheaper but not idiot-proof.) --Pro. You can power all of your home’s devices. Just not all at once. --Con. You have a power budget and must manage it. You must not exceed your generator's ratings (normal...

BogleFanGal

Thank you so much...that would be great! I left a message for my electrician, but it may be another week before he replies...took several weeks just to get him to quote and I'd like to return this transfer switch sooner, if I don't end up needing it. I'll PM you with info. :beer I replied to your P...

BogleFanGal

The interlock switch does sound like a viable option if my panel can accept it. (I'm reading that not all panels can accept one - another question to ask the electrician - sigh.) The model of your panel should be printed on the cover somewhere, likely inside the door. If you post that up I'll find ...

BogleFanGal

Here's another option: https://www.homedepot.com/p/GenerLink-30-Amp-Meter-Mounted-Transfer-Switch-MA23-N/301961623 It plugs into your meter, and you don't need a separate subpanel. I don't have any experience with it personally, but it seems like a cleaner solution than the separate transfer switch...

BogleFanGal

Thank you everyone for the additional posts - very helpful for a non DIY'er. Sandtrap: appreciate the pic: I purchased a transfer switch very similar to the one you're showing - a 10 circuit model - ran me about $425 and was very highly rated at Depot. LazyDavid: great pro/con list - thank you! Real...

BogleFanGal

Disclosure. When I installed my whole-house transfer switch (240v, 200A, but only wired for 7.5KW portable generator inlet), it had to be installed between the meter and electrical distribution panel. Meaning a new ~200' ground connection was required, and the utility/city inspectors and permitting...

BogleFanGal

How about doing 90% of the work yourself and then hire an electrician to make the final connection? I know many on here have the confidence and skills to DIY, but other than very simple things like switching an outlet or maybe installing a ceiling fan, my DH and I prefer to stick with professionals...

BogleFanGal

Is this a whole house switch or are you just snagging a few specific circuits like AC, few outlets, etc? Also like another just poster, if you need materials and have a long run high gauge wire isn't cheap. Is this an underground run as well where you would have to trench, permits, etc? Thanks for ...

BogleFanGal

Hey...big thanks to everyone for chiming in so quickly...all your comments are quite helpful.

BogleFanGal

Is this a whole house switch or are you just snagging a few specific circuits like AC, few outlets, etc? Also like another just poster, if you need materials and have a long run high gauge wire isn't cheap. Is this an underground run as well where you would have to trench, permits, etc? Thanks for ...

BogleFanGal

To scuba diver's point about finding the right fit: just wanted to emphasize what I mentioned earlier in this thread: vets tend to veer towards a top down or a bottom up approach to diagnosis and treatment. As someone who's experienced both, it makes a BIG difference in costs. While I do think there...

BogleFanGal

Medium COL: quoted $650 (labor only) to install transfer switch kit. (Small 1-story home, some extended wiring to connect to backyard > 25 feet). Anyone who hired an electrician fairly recently or is a professional themselves - does this seem decent? Researching online, seeing $200-400 cited many ti...

BogleFanGal

I love a deal as much as the next boglehead...but I will never fly spirit or frontier...no matter how tempting the price. Ever. For all the reasons already mentioned. I'll save the money somewhere else.

BogleFanGal

We have a handful of small flies in our house this week. I think they may be fruit flies, but I am not sure. They are small are elusive, so using an old fashioned fly swatter is not a good option. They seem to spend most of their time in the kitchen, as they have discovered that my wife is a very g...

BogleFanGal

TomatoTomahto wrote: ↑
Tue Jun 25, 2019 12:20 pm

BogleFanGal wrote: ↑
Tue Jun 25, 2019 12:08 pm

TomatoTomahto wrote: ↑
Tue Jun 25, 2019 10:50 am

dknightd wrote: ↑
Tue Jun 25, 2019 10:35 am
I warned my dentist that if I die shortly after the procedures are completed, even though I don’t believe in an afterlife, I will find a way to haunt him
Funny!

BogleFanGal

As someone most definitely NOT in the 500k/year camp, I generally opt for cheaper too, but always within limits. (i.e, I hate camping and won't, wouldn't choose really low-end roadside motels, would never book spirit or frontier no matter how great the deal, will always choose fresh-made, higher-end...

BogleFanGal

I'm missing one tooth. I've thought about having an implant done. I might instead just live with a missing tooth. I had to have it removed about a year ago. Honestly I do no miss it much. I can afford to have it done, and I'm sure the oral surgeon would like another ski trip. I just don't think it ...

BogleFanGal

I'm a veterinarian, so I have some room to chime in here. I did start to read through everyone's replies, but I'm at the point where I'm done doing my job for free. So here goes: Basic health care for animals includes the following: Annual to tri-annual rabies and distemper (techinically distemper/...

BogleFanGal

Thanks all for the active discussion! :beer To address an earlier comment from a physician re: my lack of knowledge regarding privacy, rest assured, I am well aware that name & address and a whole lot more aren't confidential - tax rolls to DL records and a ton more in our state are public. No need ...

BogleFanGal

Interesting mix of responses and experiences - thanks for everyone's take on this.

BogleFanGal

In our area, they used what appeared to me to be a dishonest recruiting approach, sending an email purporting to be from a “neighbor.” I’m not aware that anyone knew the so-called neighbor. HOA sent out a mass emailing warning everyone that Nextdoor has no affiliation with the HOA. IMO just another...

BogleFanGal

Hi: I'm at my wit's end trying to find reliable tradespeople that will return calls and actually show up for home repairs. Looking at joining NextDoor. Their sign up page says that you must share exact address and a phone that is tied to that address for verification purposes. Did any of you feel un...

BogleFanGal

As for avoiding high bills? I don't know how to put this mildly, and I love our dog to pieces, but we're not spending $10k on him. I did spend $2,500 on a cat one time, that cat continued to hate me, and so it's probably around there. :P Too funny about the cat. End of life is definitely the tough ...

BogleFanGal

This doesn't directly answer OP's question regarding standard shots and wellness, but for other pet owners interested in the topic of vet costs in general, it's been very enlightening to me to discover how differently two vets can be in terms of diagnosis philosophies - and how much that affects my ...

BogleFanGal

The other problem with HDHPs, which was emphasized in the article, is that people with HDHPs are discouraged from using medical services, whether those services should be used or not. Yes, and sadly, if you bring up anything during the "free" annual physical, you are almost always billed for a sepa...

BogleFanGal

The orlando park is awesome...love it there. Never been to CA one, but I'm sure a few google inquiries will turn up lots of posts with tips. The nice thing about the FL location is CityWalk - a themed restaurant, shopping and entertainment district a few walking steps from both parks. Plenty of good...

BogleFanGal

If you have an AAA membership, I believe passport photos may be free. (Can't remember if it's a certain type of membership or all of them.) How about the post office? They used to do passport photos - maybe their online website quotes prices?

BogleFanGal

Which brands do you like? We have a Kenmore Elite model that meets all your requirements. Even has great reliability reviews. Then a stray bolt of lightening fried the circuit board. The repairman said it may be six months to a year to get a replacement board since it was made by LG. He totaled the...

BogleFanGal

blind spot detector - 10000%. I'm not a gimmicks person and tend not to spend on higher trims, but now that I have it, I'll never buy another vehicle without it. I'm on the short side - not sure if your wife is - but the blind spots in almost every car nowadays makes it much more difficult for me th...

BogleFanGal

I'll second an earlier poster's "window tint" for vehicles. Probably not as big a deal in milder climates, but in extremely warm climates, there's a big difference in the heat blocked between cheaper stuff and better quality materials in your car.

BogleFanGal

We bought a Samsung french door, bottom drawer freezer about 5 years ago. Next time, we will go with LG bc salespeople told us that they receive far more calls about Samsung repair than LG repair. :twisted: :twisted: :twisted: The repair guy who came to diagnose my pain in the $##* Kenmore Elite (a...

BogleFanGal

Thanks, OP: this is a great thread - no specific item to add myself, but looking forward to following all the posts. Only thing I wanted to add is that to me, it goes beyond which one is the better value money-wise. The older I get, the more I'm willing to spend to reduce the odds of wasted time and...

BogleFanGal

then there's the other perspective: wait for the inevitable crash and watch new deals re-emerge - especially on cars, travel, non-discretionary stuff

BogleFanGal

I use a brand name prescription eye drop and bought a bottle today. Pharmacist told me that it retails for nearly $400. My insurance's negotiated price is $178 - all mine to pay right now, because I haven't met my deductible. With a "coupon", I paid $25. Crazy. Moral: find a pharmacy that finds the...

BogleFanGal

Not sure why this doesn't come up more often on these sedan-related threads, but just be aware that there's an engine fire problem and recall on earlier models of Sonatas and Optimas. The recall is not affecting anything more recent than 2014 or 2015, I believe as of now, but I have also read report...

BogleFanGal

For most, it's a no brainer. But there could be some extenuating circumstances that color the decision. What if the couple has no kids or younger family? Then, that portfolio must also cover expensive home health, ALF and/or nursing home care as they age, maybe hiring professionals to look out for t...

BogleFanGal

Not having kids when you lose your health, require surgeries, lose cognitive abilities, etc. is horrible and very hard to navigate. I honestly don't know what people do in that situation, particularly if the spouse is also in bad shape or passed away. This is a commonly-held belief and it's so misl...

BogleFanGal

glad it's not just me. Been having problems getting companies to return calls or quote on jobs ranging from electrical work to plumbing to 15k whole home generators. Lots of office and residential construction in my region and no one seems remotely interested in servicing existing residential market...

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