Search found 329 matches

by BogleFanGal
Sun Aug 18, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 108
Views: 11012

Re: Do Bogleheads plan to utilize Independent Living facilities?

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?
by BogleFanGal
Sat Aug 03, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 63
Views: 4893

Re: Dentist: Is this acceptable?

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 ...
by BogleFanGal
Sat Aug 03, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 63
Views: 4893

Re: Dentist: Is this acceptable?

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...
by BogleFanGal
Wed Jul 24, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: wine in cans
Replies: 34
Views: 2388

Re: wine in cans

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'...
by BogleFanGal
Tue Jul 23, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: wine in cans
Replies: 34
Views: 2388

Re: wine in cans

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...
by BogleFanGal
Sat Jul 20, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Which Kindle do I need?
Replies: 32
Views: 1178

Re: Which Kindle do I need?

another vote for the paperwhite...love it. (No experience with oasis)
by BogleFanGal
Wed Jul 17, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for extended illness?
Replies: 35
Views: 1905

Re: How to plan for extended illness?

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 ...
by BogleFanGal
Mon Jul 15, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 7424

Re: I think i can spend 30k on this vacation, but wife not sure

"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...
by BogleFanGal
Sun Jul 14, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Financing my daughter's college with my 401K
Replies: 60
Views: 3822

Re: Financing my daughter's college with my 401K

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....
by BogleFanGal
Sat Jul 06, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can I do a partial roth conversion in 1 acct before fixing post-tax contributions in another?
Replies: 4
Views: 244

Re: Can I do a partial roth conversion in 1 acct before fixing post-tax contributions in another?

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...
by BogleFanGal
Sat Jul 06, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can I do a partial roth conversion in 1 acct before fixing post-tax contributions in another?
Replies: 4
Views: 244

Re: Can I do a partial roth conversion in 1 acct before fixing post-tax contributions in another?

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...
by BogleFanGal
Sat Jul 06, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Can I do a partial roth conversion in 1 acct before fixing post-tax contributions in another?
Replies: 4
Views: 244

Can I do a partial roth conversion in 1 acct before fixing post-tax contributions in another?

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...
by BogleFanGal
Sat Jul 06, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 47
Views: 2927

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

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...
by BogleFanGal
Sat Jul 06, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 47
Views: 2927

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

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...
by BogleFanGal
Fri Jul 05, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 47
Views: 2927

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

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 ...
by BogleFanGal
Fri Jul 05, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 47
Views: 2927

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

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...
by BogleFanGal
Fri Jul 05, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 47
Views: 2927

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

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...
by BogleFanGal
Fri Jul 05, 2019 6:45 am
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 47
Views: 2927

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

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...
by BogleFanGal
Wed Jul 03, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 47
Views: 2927

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

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...
by BogleFanGal
Wed Jul 03, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 47
Views: 2927

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

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 ...
by BogleFanGal
Wed Jul 03, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 47
Views: 2927

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

Hey...big thanks to everyone for chiming in so quickly...all your comments are quite helpful.
by BogleFanGal
Wed Jul 03, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 47
Views: 2927

Re: Anyone pay to install transfer switch recently? Does quote seem reasonable?

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 ...
by BogleFanGal
Wed Jul 03, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6899

Re: How to avoid high vet bills?

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...
by BogleFanGal
Wed Jul 03, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Anyone pay to install transfer switch recently? Does quote seem reasonable?
Replies: 47
Views: 2927

Anyone pay to install transfer switch recently? Does quote seem reasonable?

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...
by BogleFanGal
Mon Jul 01, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 4832

Re: Frontier or Spirit Airlines

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.
by BogleFanGal
Fri Jun 28, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Indoor fly traps - what do Bogleheads recommend?
Replies: 24
Views: 1241

Re: Indoor fly traps - what do Bogleheads recommend?

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...
by BogleFanGal
Tue Jun 25, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Dental implant... almost done! COMPLETE!
Replies: 64
Views: 4557

Re: Dental implant... almost done!

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 :happy
Funny! :D
by BogleFanGal
Tue Jun 25, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Am I falling into the trap of judging everything through cost lens?
Replies: 51
Views: 4784

Re: Am I falling into the trap of judging everything through cost lens?

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...
by BogleFanGal
Tue Jun 25, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Dental implant... almost done! COMPLETE!
Replies: 64
Views: 4557

Re: Dental implant... almost done!

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 ...
by BogleFanGal
Fri Jun 21, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6899

Re: How to avoid high vet bills?

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/...
by BogleFanGal
Wed Jun 19, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 6180

Re: Are you a member of nextdoor.com? Any concerns registering your info?

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 ...
by BogleFanGal
Mon Jun 17, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 6180

Re: Are you a member of nextdoor.com? Any concerns registering your info?

Interesting mix of responses and experiences - thanks for everyone's take on this.
by BogleFanGal
Mon Jun 17, 2019 6:18 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 6180

Re: Are you a member of nextdoor.com? Any concerns registering your info?

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...
by BogleFanGal
Mon Jun 17, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 6180

Are you a member of nextdoor.com? Any concerns registering your info?

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...
by BogleFanGal
Mon Jun 17, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6899

Re: How to avoid high vet bills?

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 ...
by BogleFanGal
Mon Jun 17, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6899

Re: How to avoid high vet bills?

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 ...
by BogleFanGal
Sun Jun 16, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 9557

Re: Article on high deductible health plans - and the math

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...
by BogleFanGal
Tue Jun 11, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Universal Studio, LA - Ollivanders Wand Shop worth it
Replies: 23
Views: 2897

Re: Universal Studio, LA - Ollivanders Wand Shop worth it

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...
by BogleFanGal
Tue Jun 11, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3243

Re: Passport photos cheap

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?
by BogleFanGal
Sun Jun 09, 2019 6:21 am
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3302

Re: Refrigerator Advice

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...
by BogleFanGal
Fri Jun 07, 2019 6:32 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2738

Re: New Camry Questions

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...
by BogleFanGal
Thu Jun 06, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 8226

Re: What flagship (even used) item is better than a budget new item?

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.
by BogleFanGal
Wed Jun 05, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3302

Re: Refrigerator Advice

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...
by BogleFanGal
Wed Jun 05, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 8226

Re: What flagship (even used) item is better than a budget new item?

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...
by BogleFanGal
Sun Jun 02, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Tariffs increase kicking in: who is likely more affected , Costco, Walmart, or dollar general stores (and customers)
Replies: 16
Views: 2080

Re: Tariffs increase kicking in: who is likely more affected , Costco, Walmart, or dollar general stores (and customers)

then there's the other perspective: wait for the inevitable crash and watch new deals re-emerge - especially on cars, travel, non-discretionary stuff
by BogleFanGal
Fri May 31, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 60
Views: 4792

Re: How to save on prescription drug costs?

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...
by BogleFanGal
Wed May 29, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Hyundai Sonata for college.
Replies: 31
Views: 2128

Re: Hyundai Sonata for college.

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...
by BogleFanGal
Sat May 25, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 105
Views: 11076

Re: 4M 70K expenses would you stop?

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...
by BogleFanGal
Mon May 20, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 15076

Re: FIRE - What am I missing in the News Stories

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...
by BogleFanGal
Sat May 18, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Frustration dealing with contractors....am I doing something wrong?
Replies: 43
Views: 4625

Re: Frustration dealing with contractors....am I doing something wrong?

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...