Search found 936 matches

by fsrph
Thu Jun 21, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 2617

Re: Buy new truck before retiring?

Is the mpg for the new truck a real world number or what the original sticker states? If it's not a real world number you may be disappointed in your mpg gain.

Francis
by fsrph
Sun Jun 17, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Cosmetic Question about teeth
Replies: 9
Views: 1266

Re: Cosmetic Question about teeth

Crest Whitestrips Professional Effects. Excellent results. Get compliments from the hygienist and dentist at my visits. Can sometimes find these Whitestrips on sale on Amazon for about $35.

Francis
by fsrph
Sat May 19, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6139

Re: What’s your phone/internet bill?

Verizon - internet and landline $71 / month.

Francis
by fsrph
Wed May 16, 2018 10:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9912

Re: Yes, I'm 89 all right! [Jack Bogle]

Very Happy Birthday wishes to you Mr Bogle. I am so thankful that you set up Vanguard with low expense ratios to give the small investor a decent chance at accumulating wealth. Just want you to know there are countless people you helped by doing this. Wish I could see you at the Bogleheads annual ga...
by fsrph
Wed May 16, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6288

Re: Neighbor wants to use our land temporarily - let them or not?

I wouldn't worry about liability. I don't see that you have any more or less liability for a vacant lot than you do all of the other months you own the land as an absentee owner. I'm not familiar with vacant lots being manicured and needing mowed. Is this common in FL? In my experience, vacant lots...
by fsrph
Tue May 15, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6288

Re: Neighbor wants to use our land temporarily - let them or not?

Assuming you trust them to fix any damage done I wouldn't give it a second thought. I've never met the neighbor. They are only there six years. This is getting more complicated. It seems the neighbor has been using the land without asking. The grass cutting service couldn't cut a portion of the lot...
by fsrph
Tue May 15, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6288

Neighbor wants to use our land temporarily - let them or not?

We own a residential lot in a resort area of Florida affected by Hurricane Irma.. We do not live in Florida. Received a call from a neighbor for permission to use our land to store materials and forklifts for their new tile roof. Hurricane destroyed it. Would you give permission? Liability concerns?...
by fsrph
Tue May 15, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24268

Re: Lucrative careers?

...Also, how are you able to circumvent the laws requiring a pharmacist to review your prescription before dispensing? With a stroke of a pen. The requirement you cite could be actual law, or more likely, a regulation promulgated by the state board or pharmacy. Either can be readily changed. Or it ...
by fsrph
Sun May 06, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4601

Re: AMC Movie Theaters -- typical OR not?

Local Cinemark converted to all the things you mentioned a few years ago - recliners, small theater size, tiered seating. Price is under $10 if you go before 6pm unless you choose an XD show.

Francis
by fsrph
Tue May 01, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Healthcare Sharing?
Replies: 30
Views: 2707

Re: Thoughts on Healthcare Sharing?

Healthcare sharing plans got my attention as an alternative to health insurance. Upon investigating them I concluded I wasn't interested in them. As I work in a hospital I asked several case managers, who deal with health insurance daily, how many patients had healthcare sharing plans and the answer...
by fsrph
Sun Apr 29, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2695

Re: What Android browser do you use?

I use both Chrome and Firefox. Firefox seems to work better for me.

Francis
by fsrph
Wed Apr 25, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9517

How did you tell the boss you're leaving/retiring?

I've known for quite a while that it's time to retire but I don't know how my boss is going to react. Boss is very unpredictable and may make me feel uncomfortable with my decision. I'm obsessing on how this conversation will go and I am frozen in inaction. How did you handle this conversation? How ...
by fsrph
Sat Apr 21, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 34
Views: 2056

Re: Medical alert "button"

One of my relatives uses a Five Star Great Call Splash which she purchased at Wal-Mart. Advantages is it uses the Verizon wireless network so it works outside the home. Also, this device has one of the lowest cost monthly plans at $19.99. https://www.walmart.com/ip/GreatCall-Splash-the-most-affordab...
by fsrph
Fri Apr 20, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 5134

Re: Factor in evaluating Physicians

Everything you'll find on there is peanuts compared to if they get a royalty on the device or drug they are giving. That would generally be if they invented some portion of the device and have a patent. I'm pretty sure royalty payments aren't included in this. I looked up a few high volume doctors ...
by fsrph
Tue Apr 10, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 21
Views: 1544

Re: Need vacuum recomendations

My relative has several cats. She tried many brands of vaccum cleaners both cheap and expensive. The best one turned out to be a Shark from Walmart. Exceptional suction, simple design and light to move around. I think this is the model she bought. https://www.walmart.com/ip/Shark-Navigator-Lift-Away...
by fsrph
Sun Apr 08, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Robotic lawn mowers
Replies: 18
Views: 1453

Re: Robotic lawn mowers

Saw a good segment on robotic lawnmowers on This Old House. Here's the link.https://m.youtube.com/watch?v=QDjLOWZsxuc

Francis
by fsrph
Thu Mar 29, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Redesigned 2019 Forester - details now available
Replies: 21
Views: 3996

Redesigned 2019 Forester - details now available

Details on the redesigned 2019 Forester are coming out. Highlights - Turbo version (XT) no longer available. Manual trans not available. All trims are CVT with Eyesight. Have an optional new technology called DriverFocus that uses facial recognition to monitor for signs of driver distraction. Online...
by fsrph
Mon Mar 12, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Factory reset - Apps now incompatible
Replies: 10
Views: 998

Re: Factory reset - Apps now incompatible

Good guess. But when I try to update the OS it shows no new updates available.
by fsrph
Mon Mar 12, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Factory reset - Apps now incompatible
Replies: 10
Views: 998

Factory reset - Apps now incompatible

This isn't an earth shattering problem but it's frustrating. I had to factory reset my Nook HD Plus. Lost all my added apps which I expected. Went to the Play Store to reinstall them and many apps couldn't be downloaded. I received the message "This app is incompatible with your device". Examples of...
by fsrph
Wed Mar 07, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: COBRA grace period concerns
Replies: 14
Views: 1359

Re: COBRA grace period concerns

Thanks everyone for your thoughts. I found on healthcare.gov " If you qualify for an SEP, you usually have up to 60 days following the event to enroll in a plan." I think the key word is enroll. It doesn't say you have to start the new plan then. So, will this work? (one of the posts was similar to ...
by fsrph
Tue Mar 06, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: COBRA grace period concerns
Replies: 14
Views: 1359

Re: COBRA grace period concerns

But how would you enroll since you would be outside of your qualified life event window? The coverage would end, say, 3/31/2018, you wait until 6/30/2018, then you are outside of your window. Why not just QLE onto ACA 4/1/2018? Thanks for the post, great info. This is an excellent point. The maximu...
by fsrph
Tue Mar 06, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: COBRA grace period concerns
Replies: 14
Views: 1359

Re: COBRA grace period concerns

But how would you enroll since you would be outside of your qualified life event window? The coverage would end, say, 3/31/2018, you wait until 6/30/2018, then you are outside of your window. Why not just QLE onto ACA 4/1/2018? [/quote] Thanks for the post, great info. This is an excellent point. Th...
by fsrph
Tue Mar 06, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: COBRA grace period concerns
Replies: 14
Views: 1359

COBRA grace period concerns

Regarding COBRA I understand that you must make an election within 60 days and pay the first retroactive premium within an additional 45 days. Here are my concerns: 1. Say you elect to take COBRA on day 55. You then have 45 days to pay the bill. If you don't have any medical expenses I've read where...
by fsrph
Thu Mar 01, 2018 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: I need to file a complaint [Newport taken over 403b at Vanguard]
Replies: 11
Views: 2406

Re: I need to file a complaint

Thank for the heads up. I have to check my dividends for this year. In a more general sense I'm not happy with the change to Newport. I'm sure some noticed but in your asset allocation pie chart on vanguard's website the percentages are not accurate if you have a 403b. They do not include assets hel...
by fsrph
Mon Feb 26, 2018 11:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 5172

Re: Nisiprius at 35,000 posts

Congrats Nisi. Not only is that a large number of posts but also the quality of your posts are first rate. You certainly are a premier member of this community and I very much enjoy reading what you write.

Francis
by fsrph
Mon Feb 26, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Wide ankle high comfy walking shoes for @@ Hawaiian Feet???
Replies: 42
Views: 2418

Re: Wide ankle high comfy walking shoes for @@ Hawaiian Feet???

Did you try the New Balance outlets? I use this company for my New Balance shoes - here's what they have in 11 EEEE that are Made in America. https://www.joesnewbalanceoutlet.com/men/featured/made-in-usa/?Filters%5BSize%5D=11&Filters%5BWidth%5D=4E&Categories=men&Categories=featured&Categories=made-i...
by fsrph
Sat Feb 17, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 35
Views: 2915

Re: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)

Thanks for all your replies. I have cancelled Bar Harbor based on many recommendations. Instead I have booked a hotel on the beach in Ogunquit for 3 nights. We may do a day trip to Portland from there. We will do a separate week long trip to Bar Harbor/ Acadia national park at a later date. I also ...
by fsrph
Fri Feb 16, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 35
Views: 2915

Re: Vacation in May. Boston, Martha's Vineyard, Bar Harbor

I can't address the Boston portion of your trip but here's some thoughts for the other days. I'd very much recommend Bar Harbor. It's a quaint town with Acadia National Park in its backyard. It your looking for walking/hiking trails with beautiful scenery Acadia is the place. Can easily spend 3 or 4...
by fsrph
Mon Feb 12, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 4184

Re: Home buying: how to send postcards to neighborhood we want to live in?

Sometimes I receive a phone message from someone who wants to buy my out of state investment land. I never reply. But, if I did I guarantee I'd ask for a premium price for the land. That being said it wouldn't hurt to implement your idea with the hope maybe someone will sell at or below market value...
by fsrph
Sat Feb 10, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 55
Views: 7755

Re: Financially secure, horrible workplace but just can't FIRE

Sorry about your situation. But if your finances are good why not just quit. You can get another job at lower or the same pay if you want it. There is just no reason to stay at a place you hate. There are not enough good qualified workers in the health fields so I am sure you can get another job. S...
by fsrph
Sat Feb 10, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 55
Views: 7755

Re: Financially secure, horrible workplace but just can't FIRE

I'm having a hard time retiring and trying to figure out what's holding me back. I have thought about this a lot. I've heard it's better to retire to something rather than away from something. But what if your job is so bad you have to get out? My job was fine for decades. I work in healthcare and ...
by fsrph
Sat Feb 10, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 55
Views: 7755

Re: Financially secure, horrible workplace but just can't FIRE

I think we get sold a bill of goods when everyone says that you have to retire *to* something. You're retiring *to* not having to show up at that stinking place anymore. You can figure out what you want to do next anytime you want. If you decide to do something and it doesn't work out, you can deci...
by fsrph
Sat Feb 10, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 55
Views: 7755

Re: Financially secure, horrible workplace but just can't FIRE

I've heard it's better to retire to something rather than away from something. This! What are you looking forward to in retirement? It sounds like you haven't made any plans, a bucket list, or know what your days will be like. Many of us who are retired are busier than when we were working. The onl...
by fsrph
Sat Feb 10, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 55
Views: 7755

Re: Financially secure, horrible workplace but just can't FIRE

You're delaying the inevitable. You'll eventually retire and have to find something to fill you time. Why not do that tomorrow? Alternatively can you cut back on hours, I think the mad fientists wife works in healthcare and was able to go part time. I'm at megacorp, and its all or nothing with resp...
by fsrph
Sat Feb 10, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 55
Views: 7755

Re: Financially secure, horrible workplace but just can't FIRE

Sometimes I feel like I should just try and last a few more years When you feel that way, what is/are the reason(s) you feel you should stay? You want more money? Fear of having nothing to do? Fear of the unknown? Something else? I would like to thank everyone for reading and/or responding to my po...
by fsrph
Fri Feb 09, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 55
Views: 7755

Financially secure, horrible workplace but just can't FIRE

I'm having a hard time retiring and trying to figure out what's holding me back. I have thought about this a lot. I've heard it's better to retire to something rather than away from something. But what if your job is so bad you have to get out? My job was fine for decades. I work in healthcare and 7...
by fsrph
Fri Jan 26, 2018 6:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 4946

Re: Happy Birthday, Taylor!

Very Happy Birthday Taylor. Thanks for all your wise and sensible advice over the years. You helped many more people than you'll ever know. Also, a great big thanks for the years you spent serving our country.

Francis
by fsrph
Sat Jan 13, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 4107

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

Hmm. According to this article: http://www.mymoneyblog.com/cobra-and-retroactive-health-insurance-coverage.html "You have 60 days after you lose your benefits to elect to pay for COBRA coverage. However, even if you enroll on Day 60, your coverage is retroactive to Day 1. Of course, you’ll have to ...
by fsrph
Sat Jan 13, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 4107

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

If I slip / fall on the ice and show up in the emergency room 2/15, I suspect the very first thing the hospital will do is confirm my health insurance is in effect. I strongly suspect that if I haven't paid for coverage, no coverage exists. Providing care on 2/15 and then billing the insurance comp...
by fsrph
Sun Jan 07, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4421

Re: Oil filled space heaters

I wonder how much difference there is in the brand you buy. I have a Pelonis oil heater and it works great in a small room. Use it all night in a bedroom and it gives quiet, even heat. But put it in a larger room and its mostly ineffective. I wonder if I bought a more expensive brand would if functi...
by fsrph
Sun Jan 07, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 23
Views: 2884

Re: Teeth Whitening

Rupert wrote:
Sun Jan 07, 2018 10:50 am
My dentist told me that Crest Whitestrips work as well or better than any whitening procedure they do in her office.
I second this. Crest Whitestrips work great. I've tried "generic" store brands of Whitestrips and they did not work well.

Francis
by fsrph
Tue Jan 02, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 68
Views: 6300

Re: State Farm vs Geico

I can only speak about the car insurance part. Had State Farm for decades. Finally decided it was time to look around. Geico gave me a price significantly lower and that was for better coverage. So I let my State Farm agent see the Geico quote and she said they were unable to match or beat it. So I ...
by fsrph
Sat Dec 30, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 7794

Re: manual car for new teen driver

From about 1984 all of my cars had a manual transmission. For the OP 's needs I'd recommend a Forester from around 2010. Look for one with the Premium package and get a huge sunroof. I own one and it's a great all weather vehicle.

Francis
by fsrph
Fri Dec 22, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 78
Views: 10061

Re: Early retirement pros and cons:

I think it really depends on how much you like your job. If you love your work, then I suppose there is less incentive to stop. If you don't like your job and a person can financially pull the trigger, then I don't see too much of a problem with it. As an option, that person could also find another...
by fsrph
Tue Dec 12, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 63
Views: 7375

Re: State Farm Insurance, Time to Leave

A few years ago I had the same situation as you. Long time State Farm customer and the yearly rate increases really added up over time. After looking at my options I went with Geico. Very happy with my choice. Received higher amounts of insurance for significantly less money. Geico also has a discou...
by fsrph
Sun Dec 03, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 2944

Re: Any websites to help find a great doctor?

There used to be a really useful site called ratemds.com You could get a list of any type of doctor in your area, sort by patient ratings, see patient reviews, etc. Then it was sold to an entity that ruined the interface and now it is worthless. What they were thinking to do that, I have no idea. A...
by fsrph
Sun Dec 03, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Target Gift Cards are 10% Off Today (Sunday 12/3/17)
Replies: 17
Views: 2213

Re: Target Gift Cards are 10% Off Today (Sunday 12/3/17)

Thanks. I went to Target and picked up a few. A little surprised no one mentioned it yet.

Francis
by fsrph
Fri Dec 01, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 12749

Re: Price of haircut?

$12 plus $2 or $3 tip.
Old fashioned barbershop with four barber chairs.
LCOL area.

Francis
by fsrph
Thu Nov 30, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 36
Views: 5186

Are plasma TV's gone forever?

I own a Samsung plasma TV and really like it. I do not believe any major company still manufactures plasmas. You still see them on Amazon or Ebay at inflated prices. My Samsung plasma sells for 3x what I paid. The picture is great, it's not an electricity hog (as they were in the early days), and th...