Search found 593 matches

by fru-gal
Sun Jul 21, 2019 3:26 pm
Forum: Investing - Theory, News & General
Topic: Changes to Morningstar Website?
Replies: 43
Views: 2234

Re: Changes to Morningstar Website?

Haven't used it recently, but in the past it would randomly load the 'beta' site and it became irritating as it seemed to lack info and had tons of white space. I think the tons of white space is one of the hallmarks of a site that has been redesigned for phones. Laptop and pc users be damned, appa...
by fru-gal
Sun Jul 21, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Dogs and homeowners insurance company
Replies: 22
Views: 553

Re: Dogs and homeowners insurance company

https://www.mspca.org/pet_resources/home-insurance-and-pets/ "Are there insurance agencies that don’t discriminate based on breed? Yes. Insurance companies that may insure otherwise black listed dog breeds include Liberty Mutual, Nationwide, Amica, Fireman’s, State Farm, Chubb, USAA (for military m...
by fru-gal
Sun Jul 21, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Dogs and homeowners insurance company
Replies: 22
Views: 553

Re: Dogs and homeowners insurance company

I have never heard of an insurer visiting in person. They normally interview you online or via phone about your risk profile, always including dogs. Training is not a factor since the best trained dogs can be drawn into a fight and injure someone. AMICA sent an appraiser to look at my house. I woul...
by fru-gal
Sun Jul 21, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Dumb phone
Replies: 29
Views: 1918

Re: Dumb phone

abuss368 wrote:
Sat Jul 20, 2019 5:02 pm
Consumer Cellular. Very low costs not he AT&T or T-Mobile network.
Not sure what you're trying to say, but CC uses either AT&T or Tmobile, customer's choice.
by fru-gal
Sun Jul 21, 2019 8:00 am
Forum: Personal Finance (Not Investing)
Topic: **Most Cost, Time Effective Way to Repair Yard after Septic Repair? (with pictures)
Replies: 21
Views: 907

Re: Most Cost, Time Effective Way to Repair Yard after Septic Repair? (with pictures)

This does not help you, just my war story. My septic system was put in last fall, too late for regular seed to take hold. The septic company graded the lawn and put down URI fairway mix, which is supposed to have a fast growing annual that will hold the soil, doesn't reseed itself, then in the sprin...
by fru-gal
Sun Jul 21, 2019 7:25 am
Forum: Investing - Theory, News & General
Topic: One bad decision - examples?
Replies: 23
Views: 2294

Re: One bad decision - examples?

one of my parent's friends inherited a lot of money which took years of prudent investing. This person's husband talked her into investing in a golf course in Puerto Rico and the investment wiped out that accumulation. A coworker of mine invested her years of savings in her new husband's business a...
by fru-gal
Sun Jul 21, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Anyone install fake grass?
Replies: 29
Views: 2597

Re: Anyone install fake grass?

With a 20x10 foot patch of grass, you could mow it with a reel mower in about five minutes. Plus 10 minutes edging followed by more time blowing/sweeping debris, every week including 100 deg summer heat. Plus fertilizing periodically. Plus watering regularly. And maintaining the sprinkler system. I...
by fru-gal
Sat Jul 20, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Anyone install fake grass?
Replies: 29
Views: 2597

Re: Anyone install fake grass?

The smaller the space, the better they look. Nobody wants to mow and trim a tiny patch of grass. Our neighbor had one installed in a front yard area which is about 20x10'. It's like a living room rug. I think he vacuums it. If his dogs poop on it I he hoses it off. A better alternative is to probab...
by fru-gal
Sat Jul 20, 2019 6:05 am
Forum: Personal Consumer Issues
Topic: Anyone install fake grass?
Replies: 29
Views: 2597

Re: Anyone install fake grass?

Quis hic locus? quae regio? quae mundi plaga? where people prefer plastic to nature. Will you see bunnies in your yard snacking on the grass, bees on the clover? My neighbors who happen to be buns prefer violets. I believe most here consider weed and wildlife exclusion a feature. I forgot the viole...
by fru-gal
Sat Jul 20, 2019 6:02 am
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 76
Views: 4421

Re: Recycling Different Plastics

The amount of resources necessary to make something is the primary component of its price. If something is worth recycling, people do it without any government incentive. No incentives are required to recycle gold, silver, copper, or even scrap iron. Even lead is willingly recycled. But, many plast...
by fru-gal
Fri Jul 19, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: Anyone install fake grass?
Replies: 29
Views: 2597

Re: Anyone install fake grass?

Quis hic locus? quae regio? quae mundi plaga? where people prefer plastic to nature. Will you see bunnies in your yard snacking on the grass, bees on the clover?
by fru-gal
Fri Jul 19, 2019 11:37 pm
Forum: Personal Consumer Issues
Topic: Dumb phone
Replies: 29
Views: 1918

Re: Dumb phone

I think a dumb phone would greatly complicate my life vs simplify it. It would also be isolating. What if you just don't use the features that you find complicate your life? Is social media the issue? I'm all for technology that improves my life, but I've yet to be convinced that a smart phone woul...
by fru-gal
Fri Jul 19, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: Safe Deposit Boxes Aren't Safe
Replies: 75
Views: 5140

Re: Safe Deposit Boxes Aren't Safe

NYT absolutely LOVES to spread FUD through their reporting. It sells papers and provides click-bait to get you to get to their site. Statistically how often are safety deposit boxes harmed? I didn't read the full article and bet it doesn't say (I skimmed through it and it seems they are telling som...
by fru-gal
Thu Jul 18, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Garage Organization
Replies: 57
Views: 3874

Re: Garage Organization

For hanging garden tools, I use two pegboard hooks spaced far enough apart so that the shovel handle, pitchfork tines, working end of hoe, etc. hangs on them.
by fru-gal
Thu Jul 18, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Microwave Fire
Replies: 14
Views: 958

Re: Microwave Fire

Could you please clarify: was the fire source the item being cooked, or a microwave component? If the former, I'd say Whirlpool went above and beyond. If the latter, I'd say getting the unit back to investigate the cause to determine if there is a design or manufacturing defect to address is a mini...
by fru-gal
Wed Jul 17, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Garage Organization
Replies: 57
Views: 3874

Re: Garage Organization

Bogle7 wrote:
Wed Jul 17, 2019 4:48 pm
My toolboard is similar to this. Only I drew an outline around every tool.
Image
Adrian Monk would be proud.
by fru-gal
Wed Jul 17, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Garage Organization
Replies: 57
Views: 3874

Re: Garage Organization

I'm not sure what you mean by odd sized holes in pegboard. I've nailed pegboard over quite a wide area of my garage walls and use the detachable hooks for pegboard to hang stuff on. I had to have the hardware store cut the pegboard into smaller widths to fit into my car, but that's no problem, I jus...
by fru-gal
Tue Jul 16, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 13248

Re: House not appraising for amount we were offered!

We put our house on the market on a Friday morning and by 8pm that night, we had an offer for 257k. Our asking price was 254.9k, so the offer was obviously a huge offer. Fast forward to last week and the appraisal came back 230k. We now have a dilemma because most banks only loan up to the appraisa...
by fru-gal
Tue Jul 16, 2019 8:53 am
Forum: Investing - Theory, News & General
Topic: dumb question about mutual fund returns
Replies: 8
Views: 787

Re: dumb question about mutual fund returns

Thanks, that's what I thought, but for some reason I just began to wonder, as this way the company is making a wild guess about the tax rates. My mutual funds are in my Roths anyway.
by fru-gal
Tue Jul 16, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Being a hands off homeowner
Replies: 48
Views: 2735

Re: Being a hands off homeowner

It takes awhile to finds trustworthy AC person, electrician, plumber, etc. Neighbor referrals are usually a good source but not always. Then there are the more expensive less frequent things like roof repair. Last one was $7000 entire roof. House taken down to bare wood and primed two coats of paint...
by fru-gal
Mon Jul 15, 2019 4:55 pm
Forum: Investing - Theory, News & General
Topic: dumb question about mutual fund returns
Replies: 8
Views: 787

dumb question about mutual fund returns

Here's dumb question time: In the performance section about a mutual fund, it lists (with % I just made up for illustration): Returns before taxes 6% Returns after taxes on distributions 5% Returns after taxes on distributions and sales of fund shares 4% Who's paying those taxes, the fund or the sha...
by fru-gal
Mon Jul 15, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7552

Re: No A/C in Office [not a safe work environment]

I've got asthma, and something like that would cause me real problems. And that's a potential ADA violation. Not sure if you or a coworker falls into that category, but if so, this could be a real problem for the company. I used to be a manager, and we took this stuff seriously. Your manager sounds...
by fru-gal
Sun Jul 14, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 10541

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

I still need to go through and read this thread but I have a similar problem. I currently have a grandmother who lives in rural Wyoming and has her entire life. Her only child, my mother, passed away 20 years go and I am her only living grandchild (I'm 33 with 3 young children). I live in Atlanta a...
by fru-gal
Sun Jul 14, 2019 7:46 am
Forum: Personal Finance (Not Investing)
Topic: tax lien auction
Replies: 1
Views: 285

Re: tax lien auction

I looked at something like this once, and talked to my town's tax department. In my town at least, there are rules about the previous owners being able to regain title to the property after the sale if they pay their taxes within a certain time, etc. A chat with your town's tax people might be infor...
by fru-gal
Sun Jul 14, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 10541

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

I am getting depressed just reading all this! :oops: :? Yeah, that's the problem with digging into these things... Blissful ignorance or being in denial truly is a better way with some things unless there's something you can actually do to put your future on a different path. The younger you are, t...
by fru-gal
Sun Jul 14, 2019 7:15 am
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 50
Views: 6451

Re: Got robbed in London...Phone stolen...what else do I need to do?

mptfan wrote:
Sun Jul 14, 2019 7:06 am
Trader Joe wrote:
Sun Jul 14, 2019 6:50 am
I will avoid London/U.K. in the future. Best of luck.
That's your takeaway from this, to avoid the U.K.?
:oops:
Perhaps Trader Joe forgot the joke icon.

OP, I'm sorry this happened to you. Being the victim of theft is emotionally unsettling, I know. I'm glad the British ladies were there.
by fru-gal
Sat Jul 13, 2019 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 7440

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

ETA: there are also some small possessions that are spelled out who they go to, so there's no fighting about that either. Anyone know what do to with unwanted furs??? :? Contact bornfreeusa.org and ask if they accept furs or know of an organization that does. Furs make comfy blankets for rescued wi...
by fru-gal
Sat Jul 13, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 27
Views: 1424

Re: Standard Car Key Battery Life for Late Model Vehicles

Another thing that wore out so to speak is the markings on the buttons on the original fob. They rubbed off. So I had to try to memorize which button was lock and which was unlock. But I couldn't seem to get it memorized. This whole thing just reinforces my notion that progress always seems to come...
by fru-gal
Sat Jul 13, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 6930

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

Savings: 100k per year on 350k combined income ..... The trip would drop my savings this year alone by 30k for a one time expense. To only $70K :oops: Your wife may have other reasons that she does not want to go on a safari and may just be using the finances as an excuse. For example would this in...
by fru-gal
Sat Jul 13, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 6930

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

Are you paying college expenses for ten kids? Without that info, who knows. If the kids expenses are minimal, take the trip. I wouldn't drag your wife along, though, that type of trip is miserable if someone doesn't like to rough it. Maybe hand her $30k to do what she wants with, including saving in...
by fru-gal
Sat Jul 13, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7807

Re: Medigap vs Advantage: Which did you select?

- Deal with only one insurance company, instead of several (Medicare, plus Med Supp provider, plus Part D provider) People with Medicare supplement (aka Medigap) don't have to deal with that insurance company except to pay the premium, which I do as one annual payment. Magically when Medicare pays ...
by fru-gal
Sat Jul 13, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 194
Views: 7807

Re: Medigap vs Advantage: Which did you select?

My wife and I are about to enroll with Medicare and would be very interested in how forum members decided. I have a pretty good idea of the differences between supplement and advantage plans but I am wondering which one most Boglehead forum members went with. Thanks so much! Charleshugh Medigap, be...
by fru-gal
Fri Jul 12, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is any type of marriage counseling partially covered by Health insurance?
Replies: 21
Views: 1653

Re: Is any type of marriage counseling partially covered by Health insurance?

HomeStretch wrote:
Fri Jul 12, 2019 1:47 pm
Do you have an Employee Assistance Program through work that offers marriage counseling?
+1 When I worked for a Megacorp, they had an EAP that covered lots of stuff. I don't remember if marriage counseling was included, but worth checking.
by fru-gal
Fri Jul 12, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 221
Views: 12817

Re: Should I encourage my kids to work in high school/college?

While I suppose a minimum wage job is an exciting thing when one is 16, it will be distracting from studying, extra curricular activities, and the like. From my perspective, strong performance in school (both high school and college) strongly correlates to future earnings, and doing well at school ...
by fru-gal
Fri Jul 12, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 221
Views: 12817

Re: Should I encourage my kids to work in high school/college?

Just in the summer. Not during the school year, where it would take away time much better devoted to studying. I am astounded by the comments about not hiring a graduate who did not have low level job experience. That is a "qualification" that never crossed my mind nor did I ever hear it mentioned i...
by fru-gal
Thu Jul 11, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: How much homeowners insurance?
Replies: 16
Views: 1461

Re: How much homeowners insurance?

I have AMICA homeowner's insurance. They sent out a person who seemed very knowledgeable to walk through and estimate the value of the house. They have always treated me well with my other insurance, so I just go with them and I don't worry. (Their estimate was slightly higher than the town's proper...
by fru-gal
Wed Jul 10, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 273
Views: 26103

Re: Can I afford this 2.3 million dollar home?

This is an old thread, and I haven't had time to read all the replies, but the OP does not seem to have saved much given the household income. That says to me that they are not managing their money well, and should not be buying a very expensive house until they have a lot more in savings as a cushi...
by fru-gal
Wed Jul 10, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 54
Views: 3144

Re: Friend's car caught in flood ?

If he follows the advice to donate it, he should stay away from CarEasy also known as CARS (Charitable Adult Rides and Services). I thought they were okay because they have a BBB A+ rating, but they take 30% of the net profit for themselves from the car sale. They auctioned off my classic car, nette...
by fru-gal
Wed Jul 10, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Storm damage on a wharf not covered by home insurance!
Replies: 11
Views: 1068

Re: Storm damage on a wharf not covered by home insurance!

A few years ago the docks on both side of me got tilted by ice. In one case the neighbor hired a company to come in and reset the pilings. I think the company just straightened and hammered the pilings in again, but I didn't watch closely. The other neighbor said he had paid for this type of work on...
by fru-gal
Tue Jul 09, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 10541

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

I'm assuming university supervision of the community, enough so unethical behavior would be prevented, or at least noticed and corrected very quickly. I would assume that all large ALFs hire people they believe to be honest. Screening processes and accounting controls don't always work. There's a d...
by fru-gal
Tue Jul 09, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Storm damage on a wharf not covered by home insurance!
Replies: 11
Views: 1068

Re: Storm damage on a wharf not covered by home insurance!

Yet another pointer towards READ THE FINE PRINT! We have the usual home insurance that included $80k coverage on our wharf that sticks out into a bay that has a fishing harbor, i.e. not exposed to the open Atlantic. Occasionally the bay freezes over into a slushy mess with varying rigidity. Last wi...
by fru-gal
Tue Jul 09, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 10541

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

I'm not exactly sure why this idea just popped into my mind, but what about assisted living communities associated with universities, for their alumni and spouses. This would seem to ensure ethical management including of finances. I'm unclear why personnel engaged by an ALF associated with a unive...
by fru-gal
Tue Jul 09, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 10541

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

I'm not exactly sure why this idea just popped into my mind, but what about assisted living communities associated with universities, for their alumni and spouses. This would seem to ensure ethical management including of finances.
by fru-gal
Mon Jul 08, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: car color
Replies: 41
Views: 4079

Re: car color

I wonder how today's cars will age with all the new cabin technology. For instance, how will Apple Car Play look in 20 years? Anyway, my feeling is that it won't be worth the money to get this custom color. Also, I think you have to be a rapper to drive around in a gold Lexus nowadays. Consumer sty...
by fru-gal
Sun Jul 07, 2019 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: quit second job?
Replies: 14
Views: 1666

Re: quit second job?

I have seen relatives naturally slow down when they got to be in about their mid 70s even though they were in relatively good health for their age. At that point they did not want to travel much and even going out for a moderately expensive evening out was a rare event. They were also more interest...
by fru-gal
Sun Jul 07, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: car color
Replies: 41
Views: 4079

Re: car color

I'm not familiar with the Lexus rh450 (is this correct?), but wouldn't repaint a brand new car unless I had to! I'd pick the color I like best on that particular model and only consider painting it your wife's favorite color after it has been in a wreck! I bought a used white Lexus this year. The f...
by fru-gal
Sun Jul 07, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: car color
Replies: 41
Views: 4079

Re: car color

Just because you liked the color on that Acura does not mean you’ll like it on the new car. The shape and style of the car has a lot to do with which colors look good on it. You’re better off just buying a car that looks good to you with one of the factory paint options. The jelly bean looking Lexu...
by fru-gal
Sun Jul 07, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: Buy a refrigerator at Sears?
Replies: 37
Views: 2550

Re: Buy a refrigerator at Sears?

I don't know if this figures into your thought processes, however, there is a difference between Sears stores (owned by Sears Holdings and which continues to have bankruptcy problems) and Sears Hometown Stores (which is an amalgamation of franchisees). Which one are you contemplating purchasing fro...
by fru-gal
Sun Jul 07, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: Instagram live feeds
Replies: 3
Views: 780

Re: Instagram live feeds

I'm not sure what I did to make this work on my laptop, but now it does. I did switch to chrome from firefox.