Search found 122 matches

by bernoulli
Wed Jan 22, 2020 9:39 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 22885

Re: Sad news: LadyGeek's husband has passed

my deepest condolences, you are a strong woman who gave it all and then some more.
by bernoulli
Sat Dec 14, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: Ethiopia travel (tour operator recommendation, etc.)
Replies: 11
Views: 1037

Re: Ethiopia travel (tour operator recommendation, etc.)

I spent two and a half weeks ten years ago around late November on what is often called the "historical circuit", visiting Addis, Aksum, Debre Damo, the Simien Mountains, Lalibela, Gonder, and Bahir Dar/Lake Tana. Travel within the country was a mix of Ethiopian Airlines for the longer trips and lo...
by bernoulli
Sat Dec 14, 2019 12:09 pm
Forum: Personal Investments
Topic: maximizing TSP contribution (YTD for PP 23?)
Replies: 5
Views: 477

maximizing TSP contribution (YTD for PP 23?)

Fellow BHs: My agency is paid via USDA, so I think we have 26 pay periods in 2019. To maximize my agency contribution, I set my bi-weekly contribution at 730, 730 x 26 = 18980 (almost the 19k limit). Today, I looked at my YTD TSP contribution as of PP 23, and the YTD number is 17,502. Is this where ...
by bernoulli
Wed Dec 11, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 229
Views: 11658

Re: another too clever scam

So A was on the phone with the scammer, figured out he was being scammed, and continued on with the scam knowingly? All the while he was on the phone with 2 different people at the same time? Sounds unlikely and A sounds like a dolt. A used his wife's phone to call Schwab while still on the phone w...
by bernoulli
Wed Dec 11, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 229
Views: 11658

another too clever scam

[Thread merged into here, see below (next page). --admin LadyGeek] So I heard another scam from a friend, let's call him A - who fell victim to the scam. Here is A's story. A had some issues with an Apple product so he googled for Apple's customer service number and made a call. For some unknown re...
by bernoulli
Mon Dec 02, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Ethiopia travel (tour operator recommendation, etc.)
Replies: 11
Views: 1037

Ethiopia travel (tour operator recommendation, etc.)

Fellow Bogleheads: Been thinking about visiting Ethiopia, trying to decide which tour operator to go with. We had a good experience with G Tour India but would like to consider some local Ethiopia tour operators if possible. Some specific questions: (1) which tour operator did you use and do you rec...
by bernoulli
Thu Nov 28, 2019 10:44 pm
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 56
Views: 3040

Re: Giving thanks to our moderators

Today is Thanksgiving Day. This morning I am seeing our moderators at work as they do every day, using their time and efforts to make this forum educational, entertaining, and safe for all contributors to contribute without harassment. I give my thanks to you all. Jim Thank you for safeguarding the...
by bernoulli
Thu Nov 28, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 315
Views: 27068

Re: H&R BLOCK Pre-Order 2019 Software Offer

Looks like I would be well served switching from Turbo to H&R. Which version of the H&R is best for someone with both 1099 and w-2 income? We also sold some mutual funds this year. Happy Turkey day to all my fellow BH! If by 1099 you mean you need Schedule C, then you need the Premium edition. If n...
by bernoulli
Thu Nov 28, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 315
Views: 27068

Re: H&R BLOCK Pre-Order 2019 Software Offer

Looks like I would be well served switching from Turbo to H&R. Which version of the H&R is best for someone with both 1099 and w-2 income? We also sold some mutual funds this year. Happy Turkey day to all my fellow BH! If by 1099 you mean you need Schedule C, then you need the Premium edition. If n...
by bernoulli
Thu Nov 28, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 315
Views: 27068

Re: H&R BLOCK Pre-Order 2019 Software Offer

Looks like I would be well served switching from Turbo to H&R.

Which version of the H&R is best for someone with both 1099 and w-2 income? We also sold some mutual funds this year.

Happy Turkey day to all my fellow BH!
by bernoulli
Tue Nov 26, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Career Decision [Federal employee]
Replies: 18
Views: 1890

Re: Career Decision [Federal employee]

Of course it is easy for us to say "stay the course" and stick it out, but I am sure it is very difficult in your shoes. Fed jobs are hard to come by, especially with your vacation accrual and all that. You are in the DC area? There should be plenty of jobs for your background. I will send you a few...
by bernoulli
Sun Sep 29, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 4762

Re: Mouse in the house

Cats are natural defenses against mice. In fact, a parasite in a mouse's brain is controlled by a chemical in a cat's urine so the mere smell of a cat's urine drives the mouse away. We used the old fashion traps when we lived in an older house. The best bait was peanut butter - the stickiness was cr...
by bernoulli
Mon Sep 02, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 97
Views: 6244

Re: Does anyone have a dishwasher they recommend?

We have a Bosch. It came with the house and has been washing dishes for me quietly and reliably for almost ten years now, without any issue whatsoever.
by bernoulli
Mon Sep 02, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee dental insurance
Replies: 17
Views: 1235

Federal employee dental insurance

Please help me understand how dental insurance works for federal employees. It looks like to me that for maintenance items like cleaning, the claim has to go to the patient's health insurance (medical insurance) first, before it goes to the dental insurance? For example, if the patient has Blue Cros...
by bernoulli
Fri Aug 30, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Co-sponsoring an immigrant's sick family member [Updated]
Replies: 47
Views: 4751

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

You and your wife are very nice folks for doing this. I wish I had friends like you (some of my friends might loan me money, but I have not asked). Please do not do this. The replies have said it all. You don't know Juan very well for very long and you want to be on the hook for potentially unlimite...
by bernoulli
Sat Aug 17, 2019 5:37 pm
Forum: Personal Investments
Topic: Revisiting EE Bonds given 20 year treasury bond at ~1.9%
Replies: 31
Views: 2705

Re: Revisiting EE Bonds given 20 year treasury bond at ~1.9%

I see EE bonds as part of my bond allocation. My principle is guaranteed and the return of doubling in 20 years is also guaranteed, that is better than all CDs at least in recent history. If interest rate does go up in the 20 years, I have allocation in other types of bond funds to balance it out. I...
by bernoulli
Sat Aug 17, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 108
Views: 14765

Re: Anyone retire in their 30s?

I like pretty much everything about my work too.
by bernoulli
Sat Aug 17, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Where should we go for a week in November?
Replies: 18
Views: 1503

Re: Where should we go for a week in November?

I echo the sentiment that a week might be a bit rushed for New Zealand ("NZ"). We went to NZ last year in November based on Lonely Planet's recommendation that the fall is a good time to visit. We spent two weeks there and it still felt rushed. I think a lot of it is because the beauty of NZ is in i...
by bernoulli
Tue Jul 23, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Business loan to relative
Replies: 33
Views: 1584

Re: Business loan to relative

Imagine this is one year later, you want your money back and he is either unwilling or unable to pay for whatever the reason - things can happen, what would you do? Would you sue him? Would you let it go? Would you wish to turn back the clock so you never loaned him the money? Your answer to this hy...
by bernoulli
Tue Jul 23, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: New house... need to buy fridge and washer & dryer
Replies: 44
Views: 3822

Re: New house... need to buy fridge and washer & dryer

Hi Bogleheads - In September I'll be buying and moving into a newly constructed house. I've told the cats about this but they don't seem all that excited... :) Anyway, I'll need to get a new refrigerator, as well as a washer and dryer set. My budget is roughly $1500 for the fridge, and another $150...
by bernoulli
Tue Jul 23, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 6626

Re: Thank you notes,,, out of favor these days?

For wedding gifts, we have received hand-written thank you notes as an acknowledgement. I always send hand-written thank you notes after an in person interview but have only received one hand-written thank you note in my career so far.
by bernoulli
Tue Jul 23, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 95
Views: 8745

Re: MBA worth it?

Based on my own observation, getting an MBA is "worth it" only if one of the two is true:

(1) you get into a top 10 program
(2) your employer pays for it.
by bernoulli
Sat Jul 20, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Should relative incomes be a factor in wedding gift?
Replies: 107
Views: 7185

Re: Should relative incomes be a factor in wedding gift?

Today would have been our 40th wedding anniversary. We had a very small but deeply meaningful wedding (just immediate families and three close friends.) No cash gifts, but just simple meaningful ones from the heart. I cherish and still use the beautiful wooden salad bowl that our best man gave us t...
by bernoulli
Sat Jul 20, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Should relative incomes be a factor in wedding gift?
Replies: 107
Views: 7185

Re: Should relative incomes be a factor in wedding gift?

No. It's the gesture that counts. Something really special to them that holds meaning vs cash is a good idea. j Any gift, in my opinion, is to show your appreciation/love to the person receiving the gift. It is the thought that counts, not the dollar amount. If the relationship between you and the ...
by bernoulli
Fri Jul 19, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: finding transformer in attic with insulation (edited for correct name of component)
Replies: 36
Views: 2928

Re: finding transformer in attic with insulation (edited for correct name of component)

Thanks all - only that what I am looking for is not the junction box :oops: but the transformer. My lack of knowledge is self-evident :oops:

Post updated so I am asking the right question. Thanks for all who replied, folks here are always so helpful!
by bernoulli
Fri Jul 19, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Pursued the wrong career?
Replies: 37
Views: 7291

Re: Pursued the wrong career?

Can't you become a pathologist? My mom was an introvert and forensic pathology suited her just fine. I just talked to my colleague/friend who used to be a pathologist and he told me he hated it so much that he learned how to say "I hate my job" in about 25 languages, Russian, etc. He is a big intro...
by bernoulli
Fri Jul 19, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Pursued the wrong career?
Replies: 37
Views: 7291

Re: Pursued the wrong career?

I did the same hiking/traveling when I hit a huge road block in my career. Being in nature and away from work always helps to clear the constantly chattering mind.
by bernoulli
Fri Jul 19, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Anyone install fake grass?
Replies: 35
Views: 3676

Re: Anyone install fake grass?

I have been thinking about this too. Supposedly these new fake grass is good all around - including erosion control. I saw some in a friend's new custom built house. Looks good enough to me, and she has a dog so dog output does not appear to be an issue.
by bernoulli
Fri Jul 19, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: finding transformer in attic with insulation (edited for correct name of component)
Replies: 36
Views: 2928

finding transformer in attic with insulation (edited for correct name of component)

Dear fellow handy BHs: Our house already had blown-in insulation (I think it is what it's called) in the attic when we moved in. Now we are trying to install a Ring-type home monitoring system and cannot locate the junction box transformer with all the insulation around. Is there an easy way to loca...
by bernoulli
Fri Jul 19, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Apple Watch Worth The $$$?
Replies: 41
Views: 4241

Re: Apple Watch Worth The $$$?

With my limited knowledge of what an Apple Watch does, I would say no. Don't need another gadget. Someone, however, did tell me a story that an Apple Watch caught an irregular heart rhythm which prompted the wearer to check into the hospital for a heart attack. So in this case, the Apple Watch turne...
by bernoulli
Fri Jul 19, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 93
Views: 9017

Re: Harrassed at work, what steps to take to protect her future employment

It would really have to depend on the labor law of the state where she resides. For most private employers, employees are "at will" meaning you can be let go even if your review is perfect.
by bernoulli
Sat Jul 13, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 159
Views: 10911

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

lostinthesauce, You could start with an associate/2 years degree in the mechanical engineering area. That would give you an immediate boost to your career opportunity. Then, you can get your future employer to pay for your 4 years degree. KlangFool Is there any way I could use my existing associate...
by bernoulli
Sat Jul 13, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Morocco Travel
Replies: 20
Views: 2640

Re: Morocco Travel

We prefer independent travel but went on a tour tp Morocco last year. We did not need that tour, we could have done everything on our own and would have probably enjoyed it much better. We arrived in Casablanca and stayed there for a day. Despite its reputation for being a boring city, I enjoyed Cas...
by bernoulli
Sat Jul 13, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 159
Views: 10911

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

Have you considered getting a mechanical engineering degree instead? I absolutely have considered becoming a mechanical and even a petroleum engineer. It's the length and cost of schooling that intimidates me. Does anyone have any insight on this idea? It's actually very appealing thinking about it...
by bernoulli
Sat Jul 13, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Can an HOA ARB legally deny a request to install motion sensing SPOT lights
Replies: 19
Views: 2617

Re: Can an HOA ARB legally deny a request to install motion sensing SPOT lights

It all depends on what the bylaw says and if the decision makers are reasonable. In every situation I have seen, the home owner loses to the HOA. Why? Because the HOA can use the community's fund to lawyer up in the name of enforcing the bylaw. The home owner pays (at least part) the HOA's legal bil...
by bernoulli
Sat Jul 13, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 159
Views: 10911

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

I can empathize. That feeling of "this is it for the rest of my career?" can be troubling. Also the fact that you started out pursuing accounting also necessitates some closure. A few good friends of mine are accountants. They achieve life/work balance after spending many years (> 10 years) at the b...
by bernoulli
Sat Jul 13, 2019 9:28 am
Forum: Personal Investments
Topic: is Vanguard Flagship service better? (I sure hope so)
Replies: 28
Views: 3190

Re: is Vanguard Flagship service better? (I sure hope so)

adding to the kudos for Flagship. As Mrs Scrapr was in her last days we were trying to get our Trust accounts set up & funded. There were very slight mistakes on the VG accounts in her name. Like an L initial instead of an i. Our Flagship rep was on the phone several times with us over a week. I'm ...
by bernoulli
Fri Jul 12, 2019 7:14 pm
Forum: Personal Investments
Topic: File Quarterly Tax or Wait Till Next April?
Replies: 3
Views: 665

Re: File Quarterly Tax or Wait Till Next April?

Best to pay the quarterly tax as soon as you have income. The penalty can be steep. Even if the penalty is not a significant amount of money, why pay anything other than the tax you owe?
by bernoulli
Fri Jul 12, 2019 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Going to law school question
Replies: 55
Views: 3904

Re: Going to law school question

I once met someone whose name is "Judge." Perhaps consider changing your name to "attorney"? Really, this is the easiest way to do it and I don't mean to be facetious. Like my colleagues on this forum indicated, being accepted into a law school is at least a few months of work (choosing a school, ta...
by bernoulli
Fri Jul 12, 2019 7:02 pm
Forum: Personal Investments
Topic: is Vanguard Flagship service better? (I sure hope so)
Replies: 28
Views: 3190

Re: is Vanguard Flagship service better? (I sure hope so)

FWIW, as a "Boglehead", there's not much to ask these fellows in the first place. j You are correct, sir, as usual. I should have just sold the T Rowe Funds and transfer the cash. But I got lazy and could not remember my T Rowe pass word :oops: so the result is: I still had to sell the T Rowe Funds...
by bernoulli
Fri Jul 12, 2019 6:57 pm
Forum: Personal Investments
Topic: is Vanguard Flagship service better? (I sure hope so)
Replies: 28
Views: 3190

Re: is Vanguard Flagship service better? (I sure hope so)

You need a transfer specialist from their concierge service. These folks seem a bit better trained w/regards to incoming funds. Recommend trying to call the service line at 800-841-7999 and select option 1. You will have a better experience. Good luck to you! FWIW, I have found Flagship reps a bit ...
by bernoulli
Fri Jul 12, 2019 6:54 pm
Forum: Personal Investments
Topic: is Vanguard Flagship service better? (I sure hope so)
Replies: 28
Views: 3190

Re: is Vanguard Flagship service better? (I sure hope so)

In my effort to adhere to the BH way and simplify, I decided to consolidate my T Rowe Price Roth IRA account with my Roth IRA account at Vanguard. I went to Vanguard's "online IRA transfer" site and started putting in all the information. The Vanguard website says "if you want to sell your securiti...
by bernoulli
Fri Jul 12, 2019 3:36 pm
Forum: Personal Investments
Topic: is Vanguard Flagship service better? (I sure hope so)
Replies: 28
Views: 3190

is Vanguard Flagship service better? (I sure hope so)

In my effort to adhere to the BH way and simplify, I decided to consolidate my T Rowe Price Roth IRA account with my Roth IRA account at Vanguard. I went to Vanguard's "online IRA transfer" site and started putting in all the information. The Vanguard website says "if you want to sell your securitie...
by bernoulli
Thu Jul 11, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Living Options
Replies: 52
Views: 5993

Re: NYC Living Options

Might consider areas in Queens like Forest Hill which is reasonably priced, close to Manhattan and train accessible. Also you can rent for a few months for a year to figure out the lay of the land then decide to buy a place. Co-Ops are the least expensive option and you can also sign up for the lott...
by bernoulli
Wed Jul 10, 2019 9:25 am
Forum: Investing - Theory, News & General
Topic: EE bond doubling question
Replies: 15
Views: 1464

Re: EE bond doubling question

I think it is the new interest.
by bernoulli
Tue Jul 09, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Sandals with arch support
Replies: 30
Views: 3261

Re: Sandals with arch support

I like Crocs, they are light and versatile.
by bernoulli
Sun Jul 07, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: HVAC possibly damaged by lightening
Replies: 10
Views: 844

Re: HVAC possibly damaged by lightening

Do you have a whole-house surge protector? Not that any kind of surge protector will help with some situations. Interesting that you still have wired computers, but in any case given it's under warranty, it probably won't hurt to ask Apple about the computer. I wouldn't argue if they say it was dam...
by bernoulli
Sun Jul 07, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: HVAC possibly damaged by lightening
Replies: 10
Views: 844

Re: HVAC possibly damaged by lightening

Thanks all, for sharing your knowledge so generously as usual.
by bernoulli
Sun Jul 07, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: FitnessBank 3% savings with 12,500 daily steps - has anyone heard of them?
Replies: 26
Views: 4450

Re: FitnessBank 3% savings with 12,500 daily steps - has anyone heard of them?

I would do it except that I would have to buy a fitness tracker and an active cat (or dog) that I could attach the tracker to in order to get the number of requisite daily steps. It is an interesting concept. For someone who can hit the 12,500 steps for 3.00% (or even the 10,000 level which at 2.50...
by bernoulli
Sun Jul 07, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: FitnessBank 3% savings with 12,500 daily steps - has anyone heard of them?
Replies: 26
Views: 4450

Re: FitnessBank 3% savings with 12,500 daily steps - has anyone heard of them?

I’d been knocking myself out to get 10k steps/day for several years. After being evaluated with bad knees, my physical therapist tells me too much impact—don’t walk. He says to swim, bike or do elliptical for cardio. Walking just wears down the little cartilage that’s left. :oops: Wonder if Fitness...