Search found 1091 matches

by fru-gal
Fri Nov 15, 2019 6:22 am
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 28
Views: 1463

Re: Garage Generator Install

I still don't understand why the OP can't have the generator outside, or even what type of generator it is. I have a Generac 16kw natural gas automatic on off generator installed outside. The installers put it on a concrete pad offset from the outside of the garage. The only problem is it's noisy wh...
by fru-gal
Thu Nov 14, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: Consequence of senior not paying phone bill and closing account
Replies: 28
Views: 1331

Re: Consequence of senior not paying phone bill and closing account

Yes, pay it and dump that phone company. I asked Consumer Cellular about calling to Japan and they said: I can help with your question about service to call Japan. We do offer international calling to Japan for $0.06-$0.14 per minute depending on if you are calling a landline or cell phone in Japan....
by fru-gal
Thu Nov 14, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: IRS billing me for 1099-SA that isn't mine
Replies: 11
Views: 1190

Re: IRS billing me for 1099-SA that isn't mine

The IRS is pretty decent. I would not spend money on this, but rather straighten it out with Healthcare Bank and then write the IRS an explanatory letter. Be prepared to wait a few months for a reply.
by fru-gal
Thu Nov 14, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Options for great aunt ($0 net worth, low income, retired)
Replies: 15
Views: 1818

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

I'm her age, and it would be devastating for me to be forced to give up my pet. That's a real quality of life/reason to get out of bed in the morning issue. It's not totally clear, but it does sound like she is basically doing the right stuff, as long as you keep an eye on things and help out, and a...
by fru-gal
Thu Nov 14, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Calls Right After Death
Replies: 32
Views: 2306

Re: Collection Calls Right After Death

Newlearner19 wrote:
Thu Nov 14, 2019 1:23 pm
Unfortunate that status of HELOC if paid off was not proven at time of divorce.
Perhaps it was. It would be helpful to go back through the divorce paperwork or if necessary ask the attorney who handled the divorce.
by fru-gal
Wed Nov 13, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Calls Right After Death
Replies: 32
Views: 2306

Re: Collection Calls Right After Death

Also some burglars target houses at the time of announced funeral services.
by fru-gal
Tue Nov 12, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Is anyone else getting bogus subscriptions on Prime?
Replies: 12
Views: 811

Re: Is anyone else getting bogus subscriptions on Prime?

Yeah I just go through disputing on both ends, Amazon and credit card. But is this some new business model for the publishing industry? I wouldn't mind a free WaPo subscription tho.. This sounds like either a system error or a mistaken "click" on your part. It is patently illegal to charge folks fo...
by fru-gal
Tue Nov 12, 2019 12:04 pm
Forum: Personal Investments
Topic: Advice needed for unusual financial situation
Replies: 19
Views: 2811

Re: Advice needed for unusual financial situation

You don't mention spending, so I don't really know if you can just retire now or not, but it seems unlikely with only $250K in assets. You can really only burn about $10K/year from that and expect it to last throughout retirement. They have $1 mil at Vanguard in addition to those IRAs. It was hard ...
by fru-gal
Tue Nov 12, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2358

Re: Question on refilling prescriptions

Has anyone been successful in bringing your own prescription meds to the hospital OR having a friend/relative bring them? I have had similar problems with Rx's at the hospital. However, for one med, the hospital did not have it on hand and they asked that we bring it from home. In the future, I wou...
by fru-gal
Tue Nov 12, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2358

Re: Question on refilling prescriptions

I did the pill-splitting thing once, with a cholesterol med. It wasn't time released or coated, etc., so splitting theoretically worked. Bought a pill-splitter from CVS. Even though the pills were scored, they hardly ever split 50/50. Most of the time it was 60/40 or worse. Oftentimes, the pills cr...
by fru-gal
Tue Nov 12, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: What is this sound in the house?
Replies: 28
Views: 3197

Re: What is this sound in the house?

Don't use poison, as secondary poisoning will kill hawks, owls, etc. About twice a year I hear a mouse or mice in some wall. I run the vacuum cleaner near there for about 10 minutes. May have to be done once a day (when I hear the sounds) for 2-3 days. That works. The noise apparently gets to them.
by fru-gal
Tue Nov 12, 2019 7:44 am
Forum: Personal Investments
Topic: Advice needed for unusual financial situation
Replies: 19
Views: 2811

Re: Advice needed for unusual financial situation

What's the health insurance situation? I assume with the reduced income you are likely eligible for Affordable Care Act (Obamacare) insurance perhaps with a subsidy that would lower the premiums also, or maybe even Medicare. I assume a job loss is a qualifying event so you could get it outside of th...
by fru-gal
Mon Nov 11, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 64
Views: 6274

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

I bailed after a day. I have seen someone else do that as well, at a different company.

The only problem I see with doing this, is will you be trusted by the old management and can you change anything about the job to be happier than you were.
by fru-gal
Mon Nov 11, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Giving away cat that has microship...
Replies: 13
Views: 1988

Re: Giving away cat that has microship...

This is a very sad situation, and I think the supposed jokes are out of line.
by fru-gal
Mon Nov 11, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 47
Views: 2136

Re: Tech guys need help with Mesh wifi booster...

@fru-gal A mesh system is a router. Most provide Ethernet ports at the main node and satellite nodes, but check the specific one you plan to purchase for sure. They generally provide fewer Ethernet ports than a traditional router, but you can add an Ethernet switch (inexpensive) to add as many as y...
by fru-gal
Mon Nov 11, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Auto Insurance - removing a driver on policy
Replies: 12
Views: 879

Re: Auto Insurance - removing a driver on policy

Be very aware of the repercussions if an excluded driver drives and is involved in an accident. The coverage goes to the state minimum. No optional insurance will be in effect. If your state minimum is $10k and the excluded driver crashes into a $300k Ferrari and the passengers require $1M in medic...
by fru-gal
Mon Nov 11, 2019 5:21 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 47
Views: 2136

Re: Tech guys need help with Mesh wifi booster...

Let me hijack this thread slightly. I have a cable modem, so one Ethernet socket which my septic system which only speaks Ethernet is currently using. I want wireless (I currently use a mobile hotspot for my laptop at an expensive rate), so I was going to get a router, but when I talked to those fol...
by fru-gal
Sat Nov 09, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 3964

Re: shocking hospital fee estimate

Unwilling to clean up previous mangling of attributions: Someone posted: If this is the type of hospital with a super fancy lobby and harp players, then you know where your money is going. Someone else replied: Hey my sister used to play her harp at a hospital. She did it out of kindness on a volun...
by fru-gal
Sat Nov 09, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 3964

Re: shocking hospital fee estimate

Unwilling to clean up previous mangling of attributions: Someone posted: If this is the type of hospital with a super fancy lobby and harp players, then you know where your money is going. Someone else replied: Hey my sister used to play her harp at a hospital. She did it out of kindness on a volunt...
by fru-gal
Sat Nov 09, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3664

Re: Tale of 2 doctor job opportunities

Get a scribe I'm not a doctor, so I know nothing, but I was in an ophthalmologist's office a few days ago and the scribe caught a mistake he was making in that he was saying I needed cataract surgery or I couldn't legally drive - but he had misread the eye test results, I actually was okay. Also, I...
by fru-gal
Sat Nov 09, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 90
Views: 7225

Re: Should I buy the family cottage?

Be careful and realistic. As other have said, annual cost of ownership and upkeep can be costly in both time and money. Annual cost for a cottage by the lake is likely 3-4%/year of it's value - that is 12-20K (personal experience). Most weekends at the cottage will be doing the usual household chor...
by fru-gal
Fri Nov 08, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 90
Views: 7225

Re: Should I buy the family cottage?

Buy it. I would get a loan instead of taking money out of a Roth. I would also own it 100% and let the siblings (responsible ones) stay in it occasionally.
by fru-gal
Fri Nov 08, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Is selling trees for lumber Immoral?
Replies: 33
Views: 2657

Re: Is selling trees for lumber Immoral?

What is immoral is not maintaining the forest at all, and allowing the trees to grow old, die and rot. Excuse me, that do you think happens to trees in nature? Trees that die/decay improve the soil, nourish beneficial organisms, help prevent erosion, provide shelter for some animals, etc. Here's wh...
by fru-gal
Thu Nov 07, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Smart Garage Door Openers
Replies: 34
Views: 2183

Re: Smart Garage Door Openers

I have an ancient garage door opener that is activated by a device I keep in my car and by two buttons installed in the garage. I forked out some modest sum ($30?) for motion sensor things that fit into two overhead light sockets, in addition to the opener's light. What am I missing here that would ...
by fru-gal
Thu Nov 07, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2358

Re: Question on refilling prescriptions

Pharmacist here. Since this is Bogleheads, I do want to point out some risks here. And in addition discuss how Rx billing works / prescription plans work since I really don't understand why you'd have to use different pharmacies. Let's start with risk management. I need to point out, if you are on ...
by fru-gal
Wed Nov 06, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Spectrum Internet has a good scam going
Replies: 59
Views: 6898

Re: Spectrum Internet has a good scam going

Internet access is a critical service, close to as critical as electricity. While I agree that they should be required to prorate the bill, come on. Internet is a critical service? I can't even recall the last time I used the Internet for something important. Not being able to surf Reddit, check e-...
by fru-gal
Tue Nov 05, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3098

Re: Transporting elderly parent state-to-state

Another vote for by air. But a warning: I hired a plane to fly cross country years ago as I was going with a sick individual. It landed for refueling and there was a long delay, an hour or more, as the company had not paid in advance for the fuel or something. The noise during the wait was deafening...
by fru-gal
Tue Nov 05, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Legally employing a personal assistant?
Replies: 44
Views: 2692

Re: Legally employing a personal assistant?

When I hired my first employee, I subscribed to a payroll service which takes care of all the taxes and cuts checks and everything. Once it's setup, it's a few clicks per pay period and once a year update to the UE insurance rate. They take care of everything else. You'll need to get worker's comp ...
by fru-gal
Tue Nov 05, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.
Replies: 29
Views: 1895

Re: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.

I wouldn't just say No. A neighbor wanted to have work done that would have required trucks, etc. on vacant land I maintain for wildlife, and I just explained that reason. I don't think there can be much of an argument about that reason, and it's more polite than just saying No. As for the poster wh...
by fru-gal
Mon Nov 04, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Portable Lantern
Replies: 16
Views: 1026

Re: Portable Lantern

I have a rayovac that runs on a bunch of D batteries. I use it during power failures. It has two fluorescent tubes and you can select one or both. A lot of light. I've had it for years, so this is just a general recommendation for rayovac. However, I also vote for turning the electricity on full time.
by fru-gal
Mon Nov 04, 2019 6:55 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 544
Views: 72278

Re: Flaunt Your High-Mileage Car

Bought a relative's 2003 Lexus about a year ago. About 190,000 miles, I'm too lazy to go out in the garage and get the exact mileage. He's a maintenance manic, so I'm happy so far.
by fru-gal
Mon Nov 04, 2019 6:10 am
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3834

Re: Wedding gift from brother

Unless they're well to do, money. There will be a lot of initial expenses.
by fru-gal
Sun Nov 03, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 21
Views: 1647

Re: Cell phone service

Check out Consumer Cellular. Uses the ATT Network but much cheaper. Only downside so far is that you can't use is outside the states. https://www.consumercellular.com/ Kids tease me because they position the company as being for retirees (old people). (They give an AARP discount.) But they don't co...
by fru-gal
Sun Nov 03, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Phone tech support
Replies: 6
Views: 377

Re: Phone tech support

If your carrier is Consumer Cellular just call their customer support number. They will send you a sim card for free and talk you through installation of the sim card (about a 2 minute operation). They will then assist you in moving the data from your old phone to your new phone. I recently went th...
by fru-gal
Sun Nov 03, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 3237

Re: Halloween Candy - Favorites; Throw it in the Bag

One of the libraries in my town has a Halloween party. Kids have fun, no getting dubious candy from strangers.
by fru-gal
Sun Nov 03, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Water damage incident is giving me heartburn - please help
Replies: 14
Views: 1999

Re: Water damage incident is giving me heartburn - please help

What will contacting the other condo owner's insurance provider accomplish realistically? They will deny negligence and put it on me even though it's obvious to everyone that water flows down not up. Your insurance company should be dealing with the other insurance company. That's what you have ins...
by fru-gal
Fri Nov 01, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Possible Layoff: Need Assurance That We Will Be Okay
Replies: 153
Views: 12463

Re: Possible Layoff: Need Assurance That We Will Be Okay

I'd like to have $625K or so in cash and maybe use some of that to buy, say, a $400K house with a bit leftover for furniture. As it stands now, with $490K, after setting aside $30K for a future car, $40 for furniture, and $75K to $150K for safe living expenses, the maximum spend on a house is somet...
by fru-gal
Fri Nov 01, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 3237

Re: Halloween Candy - Favorites; Throw it in the Bag

:P
F150HD wrote:
Fri Nov 01, 2019 5:45 am
anyone remember the Marathon candy bar? wonder why they discontinued it.
Apparently you can get a clone. https://www.bulkcandystore.com/info/lon ... athon-bar/
by fru-gal
Thu Oct 31, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 3237

Re: Halloween Candy - Favorites; Throw it in the Bag

By next year Skybars will be in production again. Yes!
by fru-gal
Thu Oct 31, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Is it normal for a contractor to require 50% payment up front?
Replies: 52
Views: 3699

Re: Is it normal for a contractor to require 50% payment up front?

I paid 50% upfront in December 2016 -- he began the work in June 2017. While he did do a good job (the condo association recommended him and he did25+ plus jobs for the condo) when strong winds blew several shingles off (80+ mph) - he was impossible to get to replace them. I finally paid a handyman...
by fru-gal
Thu Oct 31, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: cousin inherited older house - how to get solid overview of all repairs needed?
Replies: 21
Views: 1730

Re: cousin inherited older house - how to get solid overview of all repairs needed?

I also think she should have a good home inspector look at things. He or she can also say if things need fixing now or can be postponed. I had a really excellent home inspector when I bought my first house. He took me around to look at things and showed me where there were problems and wrote up a de...
by fru-gal
Thu Oct 31, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8792

Re: How much do you plan to spend on your children's weddings?

:sharebeer So who had a more expensive wedding: a) couple who spend 20k and got 40k of cash/gifts or b) couple who paid 200 bucks to get married down at the court house and got nothing Seems like having a wedding might be the smart move:) Clearly a) had a far more expensive wedding. In your made up ...
by fru-gal
Wed Oct 30, 2019 11:33 pm
Forum: Investing - Theory, News & General
Topic: what was vanguard like before the internet?
Replies: 74
Views: 7301

Re: what was vanguard like before the internet?

There was no easy way to time the markets, that's for sure. You'd get a deposit slip in the mail. You tore it off the bottom of the statement, wrote a check, put a stamp on the envelope and mailed it off. What the market did on the day they processed your request was completely out of your hands. I...
by fru-gal
Wed Oct 30, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4367

Re: Women wearing black to a wedding?

runner540 wrote:
Tue Oct 29, 2019 12:44 pm
Don't wear black to a wedding. It is very uncommon for women to wear to a wedding unless it's the bridesmaid color. In the US, black is worn for funerals. That's why it's poor taste to wear to a joyful occasion like a wedding.
+1
by fru-gal
Wed Oct 30, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8792

Re: How much do you plan to spend on your children's weddings?

Hopefully I have raised my kids well enough whereby they wouldn't want to waste a lot of money or their parents money on their weddings. There are many ways to have great weddings without spending ridiculous amounts of money. +1 This is the post where I wore out reading. If I had ever gotten marrie...
by fru-gal
Wed Oct 30, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3024

Re: Unnecessary blood tests

They are running or wanted to run PSA, thyroid, comprehensive metabolic panel, urinalysis, complete blood count and ECG. As an older person, I'm happy to have all these tests run (except the PSA since I'm female.) Three people in my cohort have had thyroid problems, for example. An EKG can catch si...
by fru-gal
Tue Oct 29, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 3593

Re: Anyone have an issue with Corelle plates?

So far, the only issue I've had is that it can acquire rust stains from my elderly dishwasher's prongs. No breakage yet. Have you tried scrubbing them with Bar Keep's Friend? Side grumble. What is this with dishwasher prongs rusting through their coatings? Another aspect of the decline and fall of ...
by fru-gal
Mon Oct 28, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Please advise re wiping laptop SSD before gifting
Replies: 25
Views: 2213

Re: Please advise re wiping laptop SSD before gifting

Whenever I hand off a device with storage, I put the storage in a bag (to reduce shrapnel) and whack the heck out of it with a hammer,