Search found 62 matches

by FGal
Sat Apr 18, 2020 10:03 pm
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4245

Re: How to get Liquid Hand Soap? seriously.

I use dish soap diluted with water in the kitchen dispenser, and body wash soap or cheap shampoo also diluted with water in the bathroom dispensers. Sometimes I get a bar soap and stick it in the novelty soap dish on the bathroom counter.
by FGal
Thu Jan 30, 2020 7:23 pm
Forum: Forum Issues and Administration
Topic: Disable edits after 48 hours, 1 week, etc.
Replies: 48
Views: 3421

Re: Disable edits after 48 hours, 1 week, etc.

I really really really REALLY hate being locked out of being able to edit or remove my posts without having to ask a moderator and justify why. I do hope edits/removals are allowed in perpetuity here. Most people don't abuse the ability, but it's nice to have the option. I know of one recently that ...
by FGal
Sat Jan 25, 2020 12:44 am
Forum: Personal Investments
Topic: New Here Wondering About Possible Market Crash
Replies: 70
Views: 6531

Re: New Here Wondering About Possible Market Crash

I have a question about the market. I understand that no one can predict where the market is going, but do people here think that the market will crash sometime soon? Too funny! You understand that no one can predict where the market is going, yet you ask for everyone's prediction ? :mrgreen: :mrgr...
by FGal
Tue Nov 05, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 66
Views: 6134

Re: Stinky Front Loader (Washer)

Do you use liquid fabric softener? It may be time to stop that as it is filled with stuff that is designed to coat your clothes, so may be contributing to your washer's gunk/smell. Something you may want to try is adding a full cup of lemon scented ammonia to the wash. Reduce the amount of soap by h...
by FGal
Wed Sep 04, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: Whether to change phone number for elderly parents
Replies: 34
Views: 3383

Re: Whether to change phone number for elderly parents

you could put them on the no more robo caller thing: https://www.nomorobo.com/

It has quite a few fans on here (and other places) and they maybe can chime in on how well it works.

Seems a shame to have them lose their phone number now.
by FGal
Mon Sep 02, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 62
Views: 7251

Re: Water alarm just saved me a lot of $$$. Do you have them?

My water company just installed smart meters so not only do they not need actual people coming to read the meters in our neighborhood any more, but they provide an online service where you can see your water usage almost in real time and set up leak alerts to text/email you if it goes over what you ...
by FGal
Mon Sep 02, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: I'm looking for your help figuring out how to help my Mom
Replies: 29
Views: 3085

Re: I'm looking for your help figuring out how to help my Mom

Agree that mobile homes are a terrible choice. They do not hold value, they are not well made, I've heard horror stories about poor insulation and high bills... just no. I would absolutely suggest she look into a 2 bed room apartment or tiny house, and get a paying room mate to split costs with. Or ...
by FGal
Fri Aug 30, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Co-sponsoring an immigrant's sick family member [Updated]
Replies: 47
Views: 4777

Re: Co-sponsoring an immigrant's sick family member

You knew this guy for 5 years as a coworker, lost touch but for occasional catch up calls and he hits you up for $1,500. Which you gave him. Now he is tapping you again for something that could potentially cost you tens of thousands of dollars not to mention legal issues that you could become entang...
by FGal
Fri Aug 23, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8877

Re: How to help an employee who is in debt and requesting a loan

You've unfortunately already set a dangerous precedent for this employee giving them anything - loans/gifts - of money without clear contract/paperwork showing payment, interest, etc. She has according to your information already defaulted on your previous loan and now comes asking for even larger s...
by FGal
Mon Aug 12, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 3307

Re: Checking credit card statements

I check my purchases every day practically. I use budgeting software (like Mint or YNAB) and my credit card charges pop in either within the hour of the charge (most of my cards), or at most a day or two (one card is super slow) after. What budgeting software do you use? I use YNAB and it feels lik...
by FGal
Sat Aug 10, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 3307

Re: Checking credit card statements

I check my purchases every day practically. I use budgeting software (like Mint or YNAB) and my credit card charges pop in either within the hour of the charge (most of my cards), or at most a day or two (one card is super slow) after. I can set up name changes in budget software to recognize a regu...
by FGal
Wed Jul 24, 2019 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do you deal with looking bad compared to others?
Replies: 77
Views: 5691

Re: How do you deal with looking bad compared to others?

It's not about keeping up or anything. Your friends/family that do this are jerks. You recognize this, but instead of addressing the nasty snide behavior, you feel the need to ignore and let them keep making nasty rude remarks. So either laugh it off and make it a joke or nicely and firmly call them...
by FGal
Wed Jul 24, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Someone at Citibank signed up for an account, then listed my email address..
Replies: 31
Views: 2551

Re: Someone at Citibank signed up for an account, then listed my email address..

There HAS to be an unsubscribe option. On every email I've ever gotten, buried in the boilerplate. If not, just set that email address sender to "junk" and problem solved. The person that made the mistake may eventually realize they've never gotten a single email and correct it at some point, or not...
by FGal
Thu Jul 18, 2019 3:24 pm
Forum: Personal Investments
Topic: Just sat through a wealth-management sales pitch.
Replies: 96
Views: 10721

Re: Just sat through a wealth-management sales pitch.

Can I ask why you did this favor instead of telling your friend that you are not at all supportive of the career path/company their daughter is in and as it would be compromising your ethics to help in this manner due to the ways firms like this train their employees to take advantage of those that ...
by FGal
Thu Jul 11, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 8951

Re: Has anyone inherited a obligation/burden/responsibility?

The family relation is gone. No matter what your belief system is - you have to realize they never would have intended to hurt you or your future or create such a burdensome situation if they were still alive and were in possession of all the ability to remove the emotional aspects of the bequest an...
by FGal
Thu Jul 04, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: How do you brace for impact?
Replies: 65
Views: 6646

Re: How do you brace for impact?

I... really don't understand the whole "brace for impact" concept like this could be a catastrophic, life-threatening injury situation. If your portfolio can't weather normal market drops, and that includes crashes since those are normal and expected to happen several times during your investing lif...
by FGal
Sat Jun 29, 2019 8:03 pm
Forum: Personal Investments
Topic: Am I missing something? [beyond a 3-fund portfolio]
Replies: 9
Views: 1002

Re: Am I missing something?

Not really, you're just missing the "fun" of analyzing the crap out of your investments. Which is fine if you enjoy pouring over numbers/trading as a hobby. I have other much more enjoyable hobbies. I don't care if I miss out on a tiny bit of growth here and there as I understand that index investin...
by FGal
Sat Jun 29, 2019 7:54 pm
Forum: Personal Investments
Topic: Hi I'm planning to start investing for my retirement
Replies: 10
Views: 1368

Re: Hi I'm planning to start investing for my retirement

Be careful of dating/marrying someone that values spending money and keeping up appearances more than anything. A bad-with-money partner can ruin your entire future. Never invest in things you don't understand. If they can't explain it to be understood or give you excuses that it is just "for expert...
by FGal
Thu Jun 13, 2019 1:34 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 12535

Re: Retired at 35 and have no friends :(

More social hobbies? There are tons of them available and you could start looking at meetups to see if there are any interesting groups out there that look like fun. Games (both role playing and board games), wine/beer tasting groups, hiking or biking clubs, restaurant enthusiasts, book clubs, art c...
by FGal
Tue Jun 11, 2019 2:13 am
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 59
Views: 16870

Re: Cleaning up new house before move in—getting rid of “cat smell”

Hired a duck cleaning company. Did a great job. I'm amazed the ducks allowed this. http://alltvspots.com/wp-content/uploads/2019/01/dawn_soap_commercial_duck.jpg You have to make sure you use Dawn for duck cleaning. Not sure how all those dirty ducks would have gotten in the house tho... Other than...
by FGal
Sun May 26, 2019 7:06 pm
Forum: Personal Investments
Topic: Moving Inherited IRA
Replies: 7
Views: 605

Re: Moving Inherited IRA

And you should be aware that if you move it all over and close the EJ accounts, they will hit you with as many fees as possible - seller fees, closing account fee, transfer fee, sour grapes fee.... It is EJ after all. But better to pay the costs to get out of there than have to deal with them any le...
by FGal
Fri May 03, 2019 4:40 pm
Forum: Personal Investments
Topic: Should I go to a Fidelity Office to Set up Account?
Replies: 39
Views: 3157

Re: Should I go to a Fidelity Office to Set up Account?

I've never been to a local office, but all my dealings online/over the phone the Fido reps are very helpful and not pushy. They're supposed to be very low pressure. Their business model appears to be friendly, helpful, no hard selling, easy to deal with. I planned on self managing (after explaining ...
by FGal
Wed Apr 24, 2019 1:47 am
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4763

Re: How to clean a garage?

I come from hoarders. Real scary, as-seen-on-tv type hoarders. I used to have real trouble getting rid of things and I finally broke through by remembering that absolutely NOTHING material goods-wise is completely irreplaceable. If I hadn't used an item in months or years, it got donated or given aw...
by FGal
Tue Mar 05, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Inhereted Whole Life policy - what to do?
Replies: 22
Views: 1859

Re: Inhereted Whole Life policy - what to do?

Whole life policies are almost always - like 99.9% of the time - a very very Bad Idea. They do not benefit the user by very much, and in any situation where a person has need for life insurance, term life is what you get. But insurance companies make tons of money off of whole life, so that is what ...
by FGal
Fri Feb 22, 2019 1:00 am
Forum: Personal Investments
Topic: Beware of the Edward Jones neighborly visit.
Replies: 89
Views: 10116

Re: Beware of the Edward Jones neighborly visit.

This is the way EJ reps are trained to work from what I've experienced (and the following is pure opinion based off of my experience). Go introduce themselves as your neighbor, your fellow church member, gym buddy... and they LOVE finding elderly, lonely, or super frazzled busy people that never had...
by FGal
Sat Jan 19, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 9543

Re: What is a Boglehead funeral/burial?

No funeral, no burial site, stone... nothing. I'm hoping to go to a body farm (for forensic researchers) but if there aren't any slots open, then I'm fine with basic body donation for medical/science use. And I could care less what they do with it after they're done.
by FGal
Sun Jan 13, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 6811

Re: How do I stop jeans from ripping in the thighs?

Used to have this issue, if you sew, here's a fix/workaround: http://fatshionista.livejournal.com/4648359.html Has nothing to do with the amount of $ spent. If your thighs are rubbing, even the most expensive unicorn-hair, kissed by angels fabric will wear out from the friction. Reducing size of thi...
by FGal
Sun Dec 09, 2018 5:38 am
Forum: Personal Finance (Not Investing)
Topic: ACA - prove you don't have income
Replies: 22
Views: 3285

Re: ACA - prove you don't have income

I was asked to provide proof or documentation of my reported income for the ACA after my husband stopped working. I had already quit the year before. Up to that point, our combined salary had been reported, and even with the loss of mine we still had the husband's income. So once he also quit, the d...
by FGal
Wed Dec 05, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Murder Mystery Authors
Replies: 117
Views: 15019

Re: Murder Mystery Authors

Apologies if I repeat anyone (I skim/read, but not every single line in every post). LOVE Ngaio Marsh and do agree she might just be a tiny bit better than Christie (but adore Christie no matter what). Martha Grimes - pub series/Richard Jury novels. I stopped reading them after "The Blue Last" as th...
by FGal
Sat Nov 17, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: interesting call with my 80yr old mothers Fidelity advisor
Replies: 30
Views: 5270

Re: interesting call with my 80yr old mothers Fidelity advisor

lomerica01, there was a discussion thread on the Fidelity Portfolio Advisory Service a few months ago. Here is link to my comment at the time: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=218762#p3989058 . I suggest you read the whole thread as well. I meet with my Fidelity adivsor once a ...
by FGal
Sat Nov 10, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 65
Views: 15998

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

I'd fix it. My plumber that was working on my laundry room at one point told me to fix it as long as possible as they literally do not make things that work as well or last as long any more. Everything you buy now is expected to breakdown in a few years, and cost 10 times the cost of what you would ...
by FGal
Tue Nov 06, 2018 4:39 pm
Forum: Personal Investments
Topic: Rolled 401k into Fidelity...Now what?
Replies: 8
Views: 541

Re: Rolled 401k into Fidelity...Now what?

You definitely would do just fine using Fido funds at Fido. I have my whole portfolio with Fido and am completely happy. I do a lazy Bogleheads 3 fund portfolio using Fido's total market funds, and it's been great. And since they've introduced the zero funds, they're competitive (if not better deal)...
by FGal
Tue Nov 06, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1910

Re: Need ideas for unusual gifts for preteen boy

If they are at all interested in mechanics, robotics, or building things in general, check out American Science & Surplus: https://www.sciplus.com/ I love them just because they're super quirky and also use them for small motors/gizmos for my Halloween prop building needs, but they're pretty nifty f...
by FGal
Sat Nov 03, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5442
Views: 1350185

Re: What Movie Have You Recently Watched?

A Man Called Ove (2015, Swedish/subtitles) https://www.imdb.com/title/tt4080728/?ref_=nv_sr_1 I loved it. Absolutely loved it. The husband too. He hadn't expected to like it, but it was funny, poignant, and made you cry too. Going Postal (2010) https://www.imdb.com/title/tt1219817/?ref_=nv_sr_1 It's...
by FGal
Sat Oct 27, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Just Moved. Furnishing Apartment. Beanbag recommendations
Replies: 19
Views: 2023

Re: Just Moved. Furnishing Apartment. Beanbag recommendations

Also think about looking at a thrift store in a nice area. I find the most beautiful furniture all the time for under $50 at the local goodwill... and they do "color of the week" sales where they're marked down 30% for the first part of the week, drop to 50% the last part, and the color of the week ...
by FGal
Mon Oct 22, 2018 1:26 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 9550

Re: Quitting w/o notice

If you really can't weather a 2 week notice and this job isn't one you care about for the purposes of career building: Take a day to do a quick list of where things are that might be important to whomever comes after you. Wipe anything personal from your computer (like browser links or personal docs...
by FGal
Thu Oct 18, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out with early onset Alzheimer's
Replies: 15
Views: 1893

Re: Helping out with early onset Alzheimer's

I would question keeping a house at this time. It might be better to move in the next year or two while they are still competent and get used to a nice apartment/condo in a senior living center that has a memory care facility and reduce the amount of balls in the air (mortgage/maintenance/property t...
by FGal
Tue Sep 25, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 61
Views: 9738

Re: Someone stole my check from the mail, changed the amount, and deposited it

For all of you asking how they changed the amounts, it is a simple procedure called "check washing" using a solvent to remove the ink and then end up with a lovely blank check they could write out to anyone for any amount. Most ballpoint pens can be removed with nail polish remover or rubbing alcoho...
by FGal
Sun Sep 23, 2018 11:36 pm
Forum: Personal Investments
Topic: Investing in the Rare Opportunity
Replies: 59
Views: 4756

Re: Investing in the Rare Opportunity

I would cash out the 1 mill, throw it into total market index fund, quit, and go live really, really well off the 3 million + I'd have. Hell, that 3 million he'd have guaranteed invested in a 80/20 likely would be worth well over 5 million in the same time period, without the "double down on hard wo...
by FGal
Sun Sep 23, 2018 11:28 pm
Forum: Personal Investments
Topic: Sp 500
Replies: 83
Views: 7135

Re: Emotional Investor - I'm a mess and need help!

If you want fun and excitement, take up skiing, scuba diving or hang gliding. Hell, even stamp collecting or dog training just go find something else to keep you busy in your free time so you stop losing your money. Investing should be boring and you shouldn't even be thinking about it but once or t...
by FGal
Sun Sep 23, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Dark stain wood floors
Replies: 27
Views: 2612

Re: Dark stain wood floors

I have a deep brown hickory floor matte finish (it's got a sheen to it, but definitely NOT glossy). Had it put in about 10 years ago. It is beautiful. It is also a pain in the ass to keep looking beautiful. Every speck of dust, cat hair, human hair, whatever... super easy to see. Scratches are not a...
by FGal
Wed Sep 19, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 57
Views: 9521

Re: Should I bother meeting with a Chase Private Client Rep

Nope, waste of time. They are terribly expensive, load funds, the actual reps don't really even understand their own investments, and you don't need to invest where you bank. I had a small amount with Chase investments many years ago when I was dumb. I remember the rep being almost as clueless as I ...
by FGal
Sat Sep 15, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 6345

Re: Shorts in Egypt

Shorts are a crime against elegance. But Amelia Peabody wore bloomers! Some things are more important than elegance. But she's a lady, and I'm assuming OP is a man. But if he wanted to rock some fluffy bloomers, I'd think the natives would definitely stare (in addition to everyone else). And love t...
by FGal
Sun Sep 09, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 33
Views: 2429

Re: where to learn to sew?

Second the recommendation to check out fabric stores like JoAnn and Handcock Fabrics. Also sewing machine specialty stores that sell the fancy machines usually offer classes. I learned to sew at college in the theater department. You might look into local playhouse/theaters - especially ones that ha...
by FGal
Thu Sep 06, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2460

Re: Phone Calls from Windows saying computer has Malware

I believe the need to answer the phone is a generational thing. My father would never let a call go to the answer machine if he was home, and he would politely try to explain that the scammer should stop calling him. Which was painful to hear as they were usually smarmy then threatening and my dad j...
by FGal
Wed Aug 22, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: wood flooring recommendations
Replies: 13
Views: 1591

Re: wood flooring recommendations

I had engineered hardwood installed about 7 years ago. Slab construction, so the slab had to be leveled first which took a bit because my slab apparently was poured and then got rained on while curing so it was lumpy bumpy as all get out. :annoyed Glue down with the adhesive acting as a vapor barrie...
by FGal
Wed Aug 22, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: relationship issues - advise needed
Replies: 51
Views: 4546

Re: relationship issues - advise needed

Counselor. Contact your insurance for a list of covered counselors. Don't say you need marriage counseling, as they won't technically cover that usually (eyeroll here) but tell them that you need counselors for individual counseling, dealing with a hopefully a short term stressful situation. Then ch...
by FGal
Sat Aug 18, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 12553

Re: Edward Jones rep door knocking

I would like to ask a question without getting roasted over a fire. If you belong to this forum you are usually pretty knowledgable on investments and the importance of saving. I continuously read on here that Edward Jones is basically evil and that 99% of people don't need to have a financial advi...
by FGal
Sat Aug 18, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 12553

Re: Edward Jones rep door knocking

In case anyone wasn't aware, this is definitely a sales tactic they encourage because it's all part of the "I am your NEIGHBOR! I will ask about your kids and grandkids and vacations and shoot the breeze with you about your church or sports activities... because I care " type of BS that makes them s...
by FGal
Wed Aug 08, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Fidelity announced 10-for-1 fund splits in certain mutual funds
Replies: 18
Views: 7357

Re: Fidelity announced 10-for-1 fund splits in certain mutual funds

I hold a tiny fraction of FDGRX, from the before times. As it's less than 1% of my portfolio, I justify the continued investment holding as sentiment, while the rest of my portfolio is solidly index funds. That being said, it is one of the funds that will be doing the split, and I wonder over the po...