Search found 32 matches

by ArcticMike
Tue Jan 12, 2021 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Restricted annuity for beneficiary?
Replies: 12
Views: 656

Re: Restricted annuity for beneficiary?

Thanks for the responses - yes, we realize there is no perfect way to handle this situation. For $500k the options are more limited for trust administration as noted; hence the exploration of an annuity for ongoing known administrative costs even though I realize costs are baked into the product. Ov...
by ArcticMike
Mon Jan 11, 2021 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Restricted annuity for beneficiary?
Replies: 12
Views: 656

Re: Restricted annuity for beneficiary?

Yes, it's definitely a risk that he would try to get extra cash out- but my understanding is that some companies have contracts that limit or eliminate the ability to get funds early via a formal restricted payout agreement. I wish he was more sensible but I think he would make life very difficult f...
by ArcticMike
Mon Jan 11, 2021 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Restricted annuity for beneficiary?
Replies: 12
Views: 656

Restricted annuity for beneficiary?

I'd like to get some suggestions for a complicated estate planning issue. Our unemployed 30+ son has a significant mental illness that was diagnosed after he reached adulthood and therefore is 'competent', at least legally, to manage his financial affairs and is ineligible for most government progra...
by ArcticMike
Thu Nov 14, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Options for great aunt ($0 net worth, low income, retired)
Replies: 23
Views: 3477

Re: Options for great aunt ($0 net worth, low income, retired)

Each county in the US has an Area Agency on Aging. Some of them offer Case Management services, which is what it sounds like she needs. You can request a " needs assessment"; social worker will interview her, assess home and talk about what assistance she might be eligible for. There migh...
by ArcticMike
Tue Sep 24, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: IOS to do app
Replies: 14
Views: 1016

Re: IOS to do app

I've used "Toodledo" for over five years and it's great across multiple platforms. It has been stable the whole time. I like this one because it can be set up how you want it (vs some of the more popular apps on iOS). It's one of the few apps I've been willing to pay for premium features.
by ArcticMike
Mon Sep 16, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Laptop for aging parents
Replies: 43
Views: 2995

Re: Laptop for aging parents

Lenovo Thinkpad (T series) are still one of the best reliable notebooks. They cost a bit more but have decent performance, excellent displays and as business desktop replacements have better thermals than most consumer units. Our older one (T520) is eight years old and runs well with only updated SS...
by ArcticMike
Sun Aug 25, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178607

Re: What frugal thing did you do today?

This actually happened last Saturday, not today. But nevertheless... My old Jansport backpack's lining went to pieces after a hike last Friday. Found a nice Targus backpack with better features at Burlington. At the checkout, was told that I was one of the lucky participants of Maryland's "tax...
by ArcticMike
Tue Aug 13, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Portable gas tank
Replies: 7
Views: 719

Re: Portable gas tank

"No Spill" (brand) is more expensive but much better than the usual cheap cans. It stays sealed so less evaporation and potential for spills, as the name says.
by ArcticMike
Sun Aug 11, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Salaries at FQHC | Any physicians here? [Federally Qualified Health Center]
Replies: 17
Views: 4033

Re: Salaries at FQHC | Any physicians here? [Federally Qualified Health Center]

I did the NHSC program out of my internal medicine area and it worked out ok for me. The NHSC is a great program for folks interested in primary care, despite the potential for low salaries. The estimate of $115-$140k is probably close to target at an FQHC, although there are other options if you're...
by ArcticMike
Thu Aug 08, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: Gas Boiler - which brands? Cost?
Replies: 7
Views: 629

Re: Gas Boiler - which brands? Cost?

We have a hydronic baseboard heat system that works great. Our 'boiler' is a high-capacity commercial water heater, 95+% efficiency, from this company: http://www.americanwaterheater.com/commercial/gas/polaris Very reliable and low maintenance. It requires separate circulating pumps but overall we'v...
by ArcticMike
Tue Aug 06, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: How many Years of Medical History/Records should a Patient Save?
Replies: 60
Views: 3545

Re: How many Years of Medical History/Records should a Patient Save?

As a retired internist I'd still recommend keeping a copy of everything. Even though labs are normal there are times when knowing the 'last' time a certain test was normal can be helpful in determining the duration of a current problem. Surgical operative notes are not always given to patients but I...
by ArcticMike
Sun Aug 04, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Ink Pens
Replies: 77
Views: 5762

Re: Ink Pens

To answer the OP's original question: I use the Pilot Varsity disposable fountain pens and I really enjoy using them. They have a large ink capacity, write surprisingly well and the colors are interesting and lively. I use these pens when I want my writing to look nicer for some reason, which is of ...
by ArcticMike
Sat Aug 03, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 5825

Re: Are all models of Toyota generally considered reliable?

We had a 2002 Highlander that was a delightful car - lasted 265000 miles with minimal issues before our daughter had an accident. However, we now have a 2008 RAV4 v6 that has had multiple problems that Toyota has known about but has not resolved despite recalls and TSBs (transmission grinding, failu...
by ArcticMike
Wed Jul 31, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: 3 Days in Seattle
Replies: 24
Views: 1658

Re: 3 Days in Seattle

BlueAcre Seafood downtown is excellent:

https://www.blueacreseafood.com/

A short walk from the main tourist areas but near the art museum (cool NW art).
by ArcticMike
Wed Jul 10, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Best Practices for longer-term house guests?
Replies: 35
Views: 3861

Re: Best Practices for longer-term house guests?

HOW TO BE A GOOD GUEST: Show up with (or leave behind after you're gone) something you know your host enjoys and/or might not buy themselves, i.e., a nice bottle of wine, a good single malt, some good cigars, flowers, etc.. If you know your way around the kitchen, offer to help cook or even make a ...
by ArcticMike
Mon Jul 08, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Best Practices for longer-term house guests?
Replies: 35
Views: 3861

Re: Best Practices for longer-term house guests?

I like the idea that the guest offers to do sensible things (dishes, meal prep, driving the boat, etc.) repeatedly, even if the offer is declined. We generally have things prepped but it wins guests lots of points (and return invitations) if they make the offer and follow through if we accept it.
by ArcticMike
Mon Jul 08, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Best Practices for longer-term house guests?
Replies: 35
Views: 3861

Best Practices for longer-term house guests?

I'd like to hear input on how to be an excellent (ie, one who is invited back) house guest and what's reasonable to expect from one. We live in a nice waterfront but rural vacation area and we get lots of guests during the summer months. We have a 2400 sq ft house and we can accommodate medium-size ...
by ArcticMike
Wed Dec 19, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Recommend a To-do app please.
Replies: 33
Views: 4956

Re: Recommend a To-do app please.

Toodledo is quite sophisticated and I use on Windows and iOS. The free version does basics but I am willing to pay for the full version that includes subtasks and more storage. It's missing a full printing capability (I have a lot of tasks in the system and I'd like to use it offline occasionally) ...
by ArcticMike
Mon Nov 19, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Good audio book for a family?
Replies: 33
Views: 2381

Re: Good audio book for a family?

The hunger games series. It's better than the movies and is a surprisingly sophisticated story.
by ArcticMike
Mon Nov 12, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 3524

Re: How long have you had, or did you have, your HP-12C calculator?

On a related note: I've been using my HP 200LX 'Pocket PC' for 30 years as well. The keys are very durable and similar to the HP 12C. It runs DOS, has an adequate display and functions perfectly as a calculator and small database device. Great unit for use on my desk.
by ArcticMike
Sat Nov 10, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 77
Views: 18556

Re: Worth fixing a 30-year-old Maytag dryer?

Dryers are very simple devices and if noise is the only problem I'd go ahead with trying to fix it myself. I replaced the bearings and belts on our old Maytag in about two hours and it's working fine; I'd fix it again if it started making noise but otherwise was functional. I would be leery of fixin...
by ArcticMike
Mon Oct 29, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Minnesota
Replies: 28
Views: 3427

Re: Moving to Minnesota

I commuted each week from near Wausau to Minneapolis for work for about 5 years. We really enjoyed living on Long Lake in New Brighton; convenient and lots of outside things to do, plus close to Minneapolis and St. Paul. That would be an easy commute for you on 694, also. Housing is much more reason...
by ArcticMike
Tue Oct 16, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 33
Views: 2178

Re: Sneakers with good arch support

Fila shoes at Costco.

I recently bought Salomon trail walking shoes, Asics Gel Kayana (trail) but the cheap Filas are actually the most comfortable for me. Their looks are basic but they seem well made and are very comfortable for long walks.
by ArcticMike
Sun Sep 09, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: small-wheel bicycle
Replies: 19
Views: 1528

Re: small-wheel bicycle

Klangfool, My bike is a Dahon Cadenza; the model may be 7005 although it's difficult to determine based on the graphics. The tires are 26 x 2.00; the wheels have a '24' sticker on them but that must refer to something else. I don't see this model as current on the Dahon web site. Too bad; it has a n...
by ArcticMike
Wed Sep 05, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: small-wheel bicycle
Replies: 19
Views: 1528

Re: small-wheel bicycle

I ride a Dahon folding bike with 24" wheels and an 8 -speed internal hub, disk brakes. It's a wonderful bike and is fine on surfaces such as the crushed limestone paths we have in my area. Light, too and it fits in the trunk of my VW just fine. I'd suggest riding one of these larger-wheeled fol...
by ArcticMike
Tue Aug 07, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 3038

Re: Best Counter Depth Side by Side refrigerator

Our home came with a Subzero/Wolf refrigerator and it has done a great job. The first one lasted almost 25 years and the one we have now has gone 7 years with no issues at all. Very quiet and efficient due to the commercial-style compressors on top of the unit; the energy efficiency rating was liter...
by ArcticMike
Sat Apr 14, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Mini Air Compressor
Replies: 22
Views: 2207

Re: Mini Air Compressor

My DeWalt pancake compressor still works fine despite the noise (ear plugs are essential). However, does anyone know how long the tank should last on one of these? I assume they rust out eventually and I'm concerned about the failure mode. Do they start leaking along a rusted-out seam or is there a ...
by ArcticMike
Mon Apr 09, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 55
Views: 6803

Re: Anyone tried a sunrise alarm clock?

I've used a Phillips clock daily for over two years and I would never consider a 'standard' noise-based alarm clock again. Mine is older technology so it only has a 30-minute pre-set time for increasing brightness, followed by a sound (mine is artificial chirping birds although I rarely get to that ...
by ArcticMike
Wed Feb 14, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 38
Views: 4532

Re: Digital alarm clock suggestions?

The Philips Wake-up Light (several variations over the years) is a wonderful enhancement of a standard alarm clock. Wakes me up gradually and I usually get up before the sound kicks in like a standard alarm. It's even healthier; there's some limited data supporting its use as part of light therapy. ...
by ArcticMike
Sat Feb 10, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 46
Views: 4448

Re: Good Hotel in DC

A bit different: Kimpton Lorien in Arlington. Very easy to get to all the DC sites via Blue Line Metro and the pricing is quite reasonable. Nice modern rooms and very quiet since it's set back from the street a bit. Lots of good restaurants in that area as well.
by ArcticMike
Tue Jan 09, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 88
Views: 11625

Re: Men's no iron dress shirt recommendations

LL Bean for solid-color oxfords.

Their heavy weight ones have excellent fabric and survive many washings.
by ArcticMike
Sat Oct 21, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Business Laptop Suggestions Request
Replies: 36
Views: 4250

Re: Business Laptop Suggestions Request

Lenovo

My wife has a T520 and I have a T430s. Both have been outstanding laptops, with good displays and keyboards for regular use.

I'm considering an upgrade to a newer model but it's not essential - these things just work.