Search found 481 matches

by fru-gal
Thu Jun 20, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy went up 166%
Replies: 26
Views: 2355

Re: Umbrella policy went up 166%

Yeah, male 16 year old driver did it. Doubling or more is about right actually. The likelihood of huge claim just jumped way, way up. Sure it still isn’t a huge probability overall but it is a small probability that is still much, much higher than the probability before the kid was driving. Fatal a...
by fru-gal
Thu Jun 20, 2019 4:13 pm
Forum: Personal Consumer Issues
Topic: Tree stump, cant use a stump grinder. Solution?
Replies: 24
Views: 1370

Re: Tree stump, cant use a stump grinder. Solution?

Mike Scott wrote:
Thu Jun 20, 2019 1:55 pm
Set a flower pot or bird bath on top. Surround with mulch. It will be gone in a few years.
Those look so ugly.

A stump grinder can get rid of a stump in about ten minutes. Try harder to get one in there,
by fru-gal
Wed Jun 19, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy went up 166%
Replies: 26
Views: 2355

Re: Umbrella policy went up 166%

$600 for $5mil from Amica. No teenagers, tho :-)
by fru-gal
Wed Jun 19, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 64
Views: 4949

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

Nextdoor here is used, in addition to the usual handyman/painter/etc referrals, for urgent news: loose dog, coyote sightings, and other notices which I don’t think there’s another avenue to broadcast. I find it useful. The vibe is friendly. Sometimes anonymity is overrated. facebook for my town has...
by fru-gal
Tue Jun 18, 2019 2:05 pm
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 49
Views: 3903

Re: Advice for young married couples: PLEASE HELP!

If you can’t jump in feet first to the marriage I don’t understand why you are getting married. Because they want to be married, but they're old enough to have seen marriages fall apart in big messes, including financial messes. If you’re choosing to live completely separate financial lives that’s ...
by fru-gal
Tue Jun 18, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 51
Views: 8258

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

That being said, using your logic, we should all still be using wired in Ma Bell telephones at $1/month for 40 years in the same residence. They never died or needed repair Plus they worked during the multiday power failures that are becoming more and more common. "Progress" Boo. And they didn't ne...
by fru-gal
Tue Jun 18, 2019 9:01 am
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 49
Views: 3903

Re: Advice for young married couples: PLEASE HELP!

Jags4186 wrote:
Mon Jun 17, 2019 9:53 am

If you can’t jump in feet first to the marriage I don’t understand why you are getting married.
Because they want to be married, but they're old enough to have seen marriages fall apart in big messes, including financial messes.
by fru-gal
Tue Jun 18, 2019 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Ally bank - missing 2018 statements
Replies: 9
Views: 864

Re: Ally bank - missing 2018 statements

When I have a check that is important, I do a screen grab when it shows up as a processed check in my account and save that image.
by fru-gal
Mon Jun 17, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: keep me company while i wait on hold with a major firm
Replies: 5
Views: 611

Re: keep me company while i wait on hold with a major firm

I'll see you 18 minutes and raise you the 2 1/2 hours I spent on hold with HP (2nd place in JD Power customer satisfaction at the time) playing Bombay's Greatest Hits until I smartened up and bought Lenovo laptops.
by fru-gal
Mon Jun 17, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 75
Views: 3637

Re: How to avoid high vet bills?

There are good vets and bad vets. Good vets are worth whatever they charge.

Do you "replace" your kids if they have high medical bills? How about the spouse, is he/she out the door if they get costly?
by fru-gal
Mon Jun 17, 2019 8:57 am
Forum: Personal Investments
Topic: Charles Schwab Money Market Retirement Account interest payment
Replies: 8
Views: 779

Re: Charles Schwab Money Market Retirement Account interest payment

It's astonishing to me that Schwab does not have a way to do this.
by fru-gal
Mon Jun 17, 2019 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Looking for help with my parents' finances - dad's death, RMDs, social security
Replies: 35
Views: 2830

Re: Looking for help with my parents' finances - dad's death, RMDs, social security

I am sorry about your Dad. One thing to keep in mind if your Mom is possibly going to apply for SS benefits retroactively is that they may not be granted. My Mom was in a somewhat similar situation and was denied. I will omit here my feelings about the government shafting widows because they make a ...
by fru-gal
Sun Jun 16, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Short-term money needs for Executor of Estate
Replies: 57
Views: 3499

Re: Short-term money needs for Executor of Estate

I have a revocable living trust, which makes a lot of the problems described above go away.
by fru-gal
Sat Jun 15, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Compound interest for 10% interest rate?
Replies: 29
Views: 3069

Re: Compound interest for 10% interest rate?

If the OP is planning on earning 10% for a year, I don't know why he's quibbling about rate vs. yield.
by fru-gal
Sat Jun 15, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4033

Re: My Bad Experience With Angie's List

I hired a company with good reviews and a good reputation to paint my house last year. They did an unspeakably terrible job via a crew that did not speak English and obviously had no idea of even simple painting methods like masking off adjacent areas, and did thousands of dollars damage as well. I ...
by fru-gal
Fri Jun 14, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Petroleum pipeline on property
Replies: 27
Views: 2181

Re: Petroleum pipeline on property

Blue wrote:
Thu Jun 13, 2019 9:43 pm
I personally would not be comfortable with a natural gas pipeline easement due to the risk of explosion. (Admittedly rare). I would confirm it is petroleum pipeline rather than natural gas.
Have you seen an oil spill? I would not have a moment's peace owning that house.
by fru-gal
Fri Jun 14, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Alternatives to car rental for three months?
Replies: 53
Views: 3285

Re: Alternatives to car rental for three months?

I had to rent for a couple of months from Enterprise. There would have been an astonishing difference in price (almost doubled) depending on whether I bought their insurance or not. My insurance company, AMICA, covers 30 days rental, but increased it to 60 days when I asked. I paid about $1000 a mon...
by fru-gal
Thu Jun 13, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Why is this cabin so inexpensive?
Replies: 15
Views: 1512

Re: Why is this cabin so inexpensive?

First, Zillow says The list price and Zestimate® for this home are very different, so we might be missing something. [/b]. It also says it was built in 1777, so there maybe multiple errors. The writeup says that the furnace is not included. The land could be leased. If interested why not call the l...
by fru-gal
Thu Jun 13, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 3963

Re: 50 or 75 gallon water heater?

We currently have a 21 year old, 75 gallon gas water heater located in the basement of our home. Being that it's 21 years old, I'm considering having it replaced. When I got on estimate to have it replaced with another 75 gallon heater (State Water Heater model SGS675XRRS), the total estimate was $...
by fru-gal
Wed Jun 12, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Share financial info with family?
Replies: 26
Views: 2881

Re: Share financial info with family?

1. Who do you share your financial information with? Parents, siblings, in-laws, friends, others? 2. Do you share just the custodian name (eg.Vanguard, Fidelity, AIG) and account number? Or do you share your usernames & passwords? 3. What other information do you share? We can think of the below in...
by fru-gal
Wed Jun 12, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: US Citizen Retiring in Ireland
Replies: 30
Views: 3689

Re: US Citizen Retiring in Ireland

My vague impression is that high tax "European" countries are high tax because they provide things like "free" healthcare and many other substantial social services, including to the elderly. I don't know if Ireland is in this category, but this is something to take into account.
by fru-gal
Wed Jun 12, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Amazon Smile donations to John Bogle Foundation [and other charities]
Replies: 11
Views: 1115

Re: Amazon Smile donations to John Bogle Foundation

BUBear29 wrote:
Wed Jun 12, 2019 7:01 am
I just received the same email, but my charity is St Jude Children’s Hospital which just received a quarterly donation of $415.616.45 - pretty remarkable!
Are you sure that's the quarterly donation and not the total ever donation?
by fru-gal
Wed Jun 12, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Shopping insurance? How often?
Replies: 15
Views: 916

Re: Shopping insurance? How often?

I used to get homeowners through the local independent agent. Then AMICA, where I had the rest of my insurance, opened up writing homeowners in the (coastal) area I live in. I switched and saved $600 a year, So independent agents are not the be all and end all.
by fru-gal
Wed Jun 12, 2019 6:18 am
Forum: Personal Consumer Issues
Topic: Pairing Sherwin Williams "Accessible Beige"
Replies: 16
Views: 936

Re: Pairing Sherwin Williams "Accessible Beige"

Our approach to choosing interior paint colors is to paint some samples on various walls within the room(s) and assess how they look under various lighting conditions throughout the day. This. Don't choose a color from paint chips and then when the painting is done say My God, it looks pink. Don't ...
by fru-gal
Wed Jun 12, 2019 6:10 am
Forum: Personal Finance (Not Investing)
Topic: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?
Replies: 26
Views: 1522

Re: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?

Any other thoughts on: ... * Upping my Hurricane Deductible from 2% (around 5K) to 3%, 4%, or 5%? Not sure how much it would save me in premium costs. Or at what minimum dollar amount it's even sensible to make a claim on? Don't want to be dropped and be charged higher rates should I actually make ...
by fru-gal
Tue Jun 11, 2019 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 155
Views: 16032

Re: Which Engineering Discipline for the next 20+ years !!!

Which Engineering Discipline for the next 20+ years !!! This is a sequel to this discussion https://www.bogleheads.org/forum/viewtopic.php?f=2&t=171074 For a student getting into college this fall, which engineering discipline will you suggest. Student may not be a mere staff engineering, more anal...
by fru-gal
Tue Jun 11, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to buy Part D if you are subject to IRMAA?
Replies: 43
Views: 2438

Re: Does it make sense to buy Part D if you are subject to IRMAA?

I can assure you that there are many medications that are extremely expensive which have nothing to do with cancer. Some will be used in the short term, some in the medium term, and some perpetually. Part D premiums are not that expensive even with IRMAA although the plans leave a lot to be desired...
by fru-gal
Tue Jun 11, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to buy Part D if you are subject to IRMAA?
Replies: 43
Views: 2438

Re: Does it make sense to buy Part D if you are subject to IRMAA?

“The problem with that theory is that only more expensive plans cover those $80,000 drugs. Which makes the math even more disadvantageous...” This isn’t true at all. For example, many of these expensive drugs are cancer drugs, which are required to be covered by all Part D plans. Also, even drugs t...
by fru-gal
Tue Jun 11, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?
Replies: 26
Views: 1522

Re: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?

https://www.amica.com/content/dam/amica/pdfs/hurricane-reducing-risk-IBHS-cobranded.pdf https://www.nytimes.com/2018/10/14/us/hurricane-michael-florida-mexico-beach-house.html Article about this house: https://static01.nyt.com/images/2018/12/30/us/15MICHAEL-HOUSE-1/15MICHAEL-HOUSE-1-jumbo-v2.jpg?qu...
by fru-gal
Tue Jun 11, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?
Replies: 26
Views: 1522

Re: How high of a Hurricane Deductible in FL? And is all Flood Insurance created the same?

My understanding is that the feds set the rules for flood insurance. The company you buy it from can't change those or offer a different price. So the difference would be, who handles the claim. Do the feds send out people, or does the insurance company? When I had flood damage where I lived before,...
by fru-gal
Tue Jun 11, 2019 4:20 pm
Forum: Personal Investments
Topic: bizarre letter from Vanguard
Replies: 17
Views: 4085

Re: bizarre letter from Vanguard

I spoke to Vanguard. The people saying they only count Vanguard mutual funds, etc. and not CDs or other companies' mutual funds are apparently correct. Not that I care about Voyager status, since even with it Vanguard hides their phone number from peons like myself and I have to google to find it. ...
by fru-gal
Tue Jun 11, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3755

Re: Tips for new pet owner

Don't let pet stores do anything for your pet, like grooming. Every so often there is some horrible article in the news about an animal dying because some idiot employee has done something stupid.
by fru-gal
Tue Jun 11, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3120

Re: Good Rx

GoodRX is such a good resource for comparison shopping of prescriptions. It is eye opening to see that sometimes one could pay cash at 1/3 of the cost of an insurance copay. Go figure! One thing to keep in mind for those with high medical costs, for those who are likely to reach your OOP (Out Of Po...
by fru-gal
Tue Jun 11, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3755

Re: Tips for new pet owner

I have taken my cats to local vets. The one big animal hospital I am familiar with is an emotionally cold place that makes it tougher on both the animals and owners emotionally. Of course, at some point you may need a specialist, but even there I have been able to find non-hospital practices. Mostly...
by fru-gal
Tue Jun 11, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Sudden Debt - best strategy to pay off? (30k total)
Replies: 20
Views: 2051

Re: Sudden Debt - best strategy to pay off? (30k total)

If your girlfriend can get to her $300k account, if I were her I would pay the vet bills and you handle the water bill. I can't imagine what happened to your dogs. Was the vet a flaming incompetent? I can imagine one instance of a problem, but two dogs during spay procedures?? I would ask around for...
by fru-gal
Tue Jun 11, 2019 8:41 am
Forum: Personal Investments
Topic: bizarre letter from Vanguard
Replies: 17
Views: 4085

Re: bizarre letter from Vanguard

I spoke to Vanguard. The people saying they only count Vanguard mutual funds, etc. and not CDs or other companies' mutual funds are apparently correct. Not that I care about Voyager status, since even with it Vanguard hides their phone number from peons like myself and I have to google to find it. ...
by fru-gal
Tue Jun 11, 2019 7:11 am
Forum: Personal Investments
Topic: bizarre letter from Vanguard
Replies: 17
Views: 4085

Re: bizarre letter from Vanguard

I spoke to Vanguard. The people saying they only count Vanguard mutual funds, etc. and not CDs or other companies' mutual funds are apparently correct. Not that I care about Voyager status, since even with it Vanguard hides their phone number from peons like myself and I have to google to find it.
by fru-gal
Tue Jun 11, 2019 6:28 am
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 59
Views: 9768

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

I have not found that Black lights work well for finding urine. When I had an elderly cat with urination problems, a black light was useless. I wound up using Nature's Miracle on any suspicious area. Note that it takes awhile to work. If you are using it on carpet, for example, it may take several d...
by fru-gal
Tue Jun 11, 2019 5:41 am
Forum: Personal Investments
Topic: bizarre letter from Vanguard
Replies: 17
Views: 4085

bizarre letter from Vanguard

I got a bizarre letter from Vanguard saying my account balance was below $50,000 and if I didn't increase it, I would lose Voyager services. My balance is well above that and has been for like forever. So I sent them an email, since they don't have customer service at this hour. Note to self: finall...
by fru-gal
Mon Jun 10, 2019 11:52 pm
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 59
Views: 9768

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

Sandtrap wrote:
Mon Jun 10, 2019 11:10 pm
Hired a duck cleaning company. Did a great job.
I'm amazed the ducks allowed this.
by fru-gal
Mon Jun 10, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 3028

Re: Costco Visa credit limit

I have both a Citi double cash card and a Costco Visa. The latter is my main card, for its rewards. I've had them for a few years now. But Citi is kneecapping me with their credit limits. I think I started out at $2k on the DC card! I've consistently applied (both the 'fast approval' and the credit...
by fru-gal
Sun Jun 09, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: 240v inverter generator?
Replies: 9
Views: 838

Re: 240v inverter generator?

Having been though multi-day power failures in the dead of winter, I can't imagine why anyone would want a generator they have to keep getting gasoline for, driving through partly plowed roads looking for a gas station that has power, etc. unless a natural gas generator is not affordable.
by fru-gal
Sun Jun 09, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: Gift for niece who is graduating as a Physician Assistant.
Replies: 33
Views: 3076

Re: Gift for niece who is graduating as a Physician Assistant.

When the nephew was starting out, I gave him a check for $1000. That's a lot of money for me, but I figured he'd have so many expenses getting started that it would be useful. If she's going to live at home, though, she won't have the rent and settling up household expenses, so less useful in that c...
by fru-gal
Sun Jun 09, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: Panasonic LUMIX DSC-FZ35 camera.
Replies: 34
Views: 1815

Re: Panasonic LUMIX DSC-FZ35 camera.

I haven't had time to read all the replies. I have a Lumix DMC-F27. I forget how long I've had it, but some photos have dates of 2008 on them. The only problem I've ever had with it is recently the USB connection is flaky. I haven't had time to figure out if that is the cable or the socket. So at le...
by fru-gal
Sat Jun 08, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Scanning photos yourself
Replies: 17
Views: 1731

Re: Scanning photos yourself

I have an old Photosmart 3210. It does a beautiful job of scanning, including on those about 1 inch x 1 inch ancient photos. It is the best all in one ever. Unfortunately no longer sold. I have one other that I am going to try to figure out how to fix some day so I can use these ad infinitum. That s...
by fru-gal
Sat Jun 08, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Repairing Jacuzzi Tub Faucet
Replies: 7
Views: 382

Re: Repairing Jacuzzi Tub Faucet

Could a skilled tile person remove the tile temporarily, or reinstall an accent tile of some sort?
by fru-gal
Sat Jun 08, 2019 6:12 am
Forum: Personal Consumer Issues
Topic: Do we need a realtor? First time home buyer, buying from landlord
Replies: 26
Views: 2129

Re: Do we need a realtor? First time home buyer, buying from landlord

I would hire an attorney who specializes in real estate. They are much cheaper than a real estate agent. Their advice is well worth it, and in CA you will have a ton of paperwork to do.

Be careful if you signed a contract with the real estate agent.
by fru-gal
Sat Jun 08, 2019 5:51 am
Forum: Personal Consumer Issues
Topic: money for going paperless
Replies: 9
Views: 1004

Re: money for going paperless

It has come to my attention that you can get money for going paperless in some instances, so not only better for the environment but, like I said, money. I just went paperless with my AMICA policies and billing, and am about $80 better off each year. Is the $80 for AMICA just for going paperless or...
by fru-gal
Sat Jun 08, 2019 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Car insurance recommendations
Replies: 13
Views: 1220

Re: Car insurance recommendations

AMICA. They take good care of you if you have a claim, unlike State Farm which throws you under the bus.

For several years I had a policy through an independent agent, and saved several hundred dollars a year changing to AMICA.
by fru-gal
Fri Jun 07, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: money for going paperless
Replies: 9
Views: 1004

Re: money for going paperless

It has come to my attention that you can get money for going paperless in some instances, so not only better for the environment but, like I said, money. I just went paperless with my AMICA policies and billing, and am about $80 better off each year. My auto and homeowners insurance are paperless. ...