Search found 269 matches

by camden
Wed Feb 12, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128879

Re: Coronavirus (Consumer Issues) How you are preparing?

FlyAF wrote:
Wed Feb 12, 2020 4:48 pm
This thread has inspired me to stock up the beer fridge after work. The thought of being quarantined in my house for 2 weeks and running out of hooch is too much to chance it.
FlyAF, you and I would get along just fine........
by camden
Fri Feb 07, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: Alternative Thanksgiving
Replies: 23
Views: 1497

Re: Alternative Thanksgiving

Maybe you could fly out on Thanksgiving Day (not many travelers) and back on the following Tuesday (taking a couple of days off). This way you'll miss much of the Thanksgiving travel rush. But what you propose is also not a bad idea. Also occurred to me. If your distance from your parents is not to...
by camden
Mon Jan 20, 2020 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to sign away liability for AZ short term rental
Replies: 28
Views: 2867

Re: Asked to sign away liability for AZ short term rental

You would have to ask an AZ attorney whether such a waiver is enforceable. I would doubt that it is.
by camden
Wed Dec 18, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawal. Last 5 months of college
Replies: 14
Views: 1595

Re: 529 Withdrawal. Last 5 months of college

Full tuition scholarships to medical school fall into two categories; from the military (requiring a four year service requirement at some point after graduation) or very, very rare. If it is the first, she will be paying us all back by her service. If it is the second, she hit the lottery. Either w...
by camden
Sun Dec 15, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: Buying last year model car when new models are out
Replies: 44
Views: 3231

Re: Buying last year model car when new models are out

I did this with my last car, purchased in Jan of 2018, a vehicle that had been sitting on the dealers lot for 6 months. Price was nearly 10K lower than MSRP of the next year models. Have been very pleased to date. One caveat, which may not apply to other makes/models/dealers, is that the warranty be...
by camden
Mon Nov 25, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88430

Re: Found hidden safe, should we crack?

This is the most peer pressure I’ve ever seen applied to a Boglehead OP.....we will be waiting....
by camden
Tue Oct 29, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Small home repair dilemma
Replies: 6
Views: 886

Small home repair dilemma

I have always been very sensitive to potential liability issues, and to the possibility, even if statistically very remote, that a lawsuit resulting in a huge uninsured judgement could wipe out a substantial portfolio accumulated over a lifetime of effort. Accordingly, I have always insisted that an...
by camden
Mon Oct 28, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Help Dad do estate planning math and make adjustments
Replies: 45
Views: 2887

Re: Help Dad do estate planning math and make adjustments

“Art thou envious because I am generous?”

Between the math of daughter #1 and the creation of a “family feud” by daughters #2 and 3 over the original gift, I’d consider myself fortunate if I did not have to interact with any of the trio.
by camden
Sun Oct 27, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 4313

Re: Vacation ideas for February

Make that Mardi Gras.....
by camden
Sun Oct 27, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 4313

Re: Vacation ideas for February

With regard to New Orleans.....if warm weather is a major consideration, February in N.O. is hit or miss. You might wind up with some gorgeous spring-like weather, or it might be cold and rainy for a week. Also, with regard to Feb 2020, Madrid Gras is on Feb 25, so you would be visiting during Carni...
by camden
Thu Oct 24, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 44
Views: 6196

Re: Best insurer? Allstate vs chubb vs AAA or others

Allstate is the absolute worst insurer. It's absolutely worth it to pay more for good insurance. Chubb is one of the best. Having bad insurance can cost you serious money 30-40k if you have a claim. I'm a Public Adjuster and I see this on a regular basis. As someone who lived in the New Orleans are...
by camden
Wed Oct 23, 2019 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13522

Re: Ok to go without health insurance?

Like others, I cannot really fathom any doctor would seriously consider this. To self insure against catastrophic medical expense would require mega wealth; a mid 7 figure portfolio could be wiped out with one massive accident, and anyone in the medical profession should know that more than others. ...
by camden
Tue Sep 17, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4429

Re: International Medical emergency story

I find this story stunning, and difficult to believe as presented. A coronary angiogram in a patient with acute myocardial ischemia is not an elective procedure; it is a medical emergency which needs to be done as soon as possible to determine the best course of therapy (stunting or surgical bypass)...
by camden
Sat Sep 14, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: New key options for Volvo S90
Replies: 4
Views: 509

New key options for Volvo S90

DW has lost one of two keys for her 2017 Volvo S90. Dealers cost to replace/reprogram is $350. Are there any less expensive options?
by camden
Wed Sep 04, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Italy in September
Replies: 35
Views: 2513

Re: Italy in September

In Florence, less well known (slightly) than the Uffizi is the Pitti palace museum complex. Highly recommend.
by camden
Sat Jul 27, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: How do you move past old financial mistakes?
Replies: 57
Views: 5512

Re: How do you move past old financial mistakes?

When I was little, my family moved from the Northeast to Houston, in 1960. My father almost purchased some land near our home (then at the fringes of the city) which was on the market for $500 an acre, but decided against it. By the late 1980s, there were high rise office buildings on that land. Let...
by camden
Wed Jul 24, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 6734

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

I hope societal changes do not eliminate the courtesy of thanking someone for a gift or a kindness they have rendered to me, which I would regard as an elementary gesture of respect. I make it a point to do that. Always have, always will. When I am the gift giver, I’m not keeping score and don’t los...
by camden
Tue Jul 16, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Take the cash or the free dinner?
Replies: 72
Views: 6884

Re: Take the cash or the free dinner?

If this is legit, would imagine you should steel yourself for a very painful listening experience. Hope you have skin thick as a rhinoceros.
by camden
Thu Jul 11, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 8949

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

When my father died, my brother and I inherited several condos which were rented at the time. Could have been a major pain for me except for the fact that he and I were in full agreement that neither of us wanted to have any part of being a landlord. We sold them as fast as we could and divided the ...
by camden
Wed Jul 03, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Cleaning bugs off car bumper
Replies: 32
Views: 3028

Re: Cleaning bugs off car bumper

Take a dryer softening sheet (the kind you toss in the dryer with the wet clothes to avoid static), wet it lightly, and use to remove bugs. Then rinse with water afterwards. I have found that to work quite well. Got the tip from someone in the rental car business.
by camden
Mon Jul 01, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: New Landlord Here! Your Top Tips to include in a Lease?
Replies: 52
Views: 4783

Re: New Landlord Here! Your Top Tips to include in a Lease?

Every time I read one of these threads on this forum, it cements my unalterable decision NEVER to become a landlord under any circumstances. Kudos to those of you who successfully make it work, but I do not have the personality to deal with it.
by camden
Sat Jun 29, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Florida Panhandle - temporary rental
Replies: 10
Views: 960

Re: Florida Panhandle - temporary rental

Been going to Orange Beach, AL for 30 years now. Close to Mobile, beautiful white sand beaches, some nice restaurants, golf, etc. Certainly much more developed than when I began going there, but you won’t encounter traffic problems in the winter months.
by camden
Sun Jun 16, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: weighted blankets
Replies: 23
Views: 5116

Re: weighted blankets

Wife likes the weighted blanket for a nap, but found it much too warm for an evening’s sleep. Too alleviate her problem with getting too warm under standard blankets in the middle of the night, she bought a Chili pad. Loves it. Expensive, but problem solved.
by camden
Sun Jun 16, 2019 8:29 am
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 42
Views: 4774

Re: D-Day plus 11 days, a war article written by Ernie Pyle

After reading that, I can see that Pyle deserved his fame. The power of observation and quiet understatement.
by camden
Thu Jun 13, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Where to sit at Wrigley?
Replies: 18
Views: 1631

Re: Where to sit at Wrigley?

If you and your family are even close to being baseball fans, you will love it no matter where you sit. Relax and enjoy, as generations have done for a century or so.
by camden
Fri May 31, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 3528

Re: 23 and me vs. ancestry- thoughts?

I do not wear a tin foil hat. I would never voluntarily surrender my DNA profile to a commercial entity; the possibility that it could be used in the future for purposes I never intended which might prove injurious to me in some way are too great.
by camden
Mon May 13, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Volvo S90 T5 Momentum - Thoughts and Suggestions???
Replies: 41
Views: 4053

Re: Volvo S90 T5 Momentum - Thoughts and Suggestions???

My wife has a 2017 T5 (her 6th Volvo). Loves it. As a 2017, hers was assembled in Sweden, not in China, though the latter would not bother me. Having driven it a fair bit, I can certainly speak to the engine, which runs smoothly and with the feel of smooth acceleration and good power. Think you will...
by camden
Sat May 04, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: anyone with AirBNB New Orleans experience?
Replies: 7
Views: 815

Re: anyone with AirBNB New Orleans experience?

Former NOLA resident here. Suggest looking at AirBNB options uptown close to the St Charles streetcar line. Plenty of great things to do and places to stay anywhere between downtown up to the turn at Carrollton. Quieter, too. While amazing, the hard thing about staying downtown is that the party ou...
by camden
Sun Mar 31, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 15730

Re: Folks in their 60s and above. What early investment on health do you recommend.

MD here. In terms of affecting your long term health and statistical longevity, my first rule would be DO NOT SMOKE. No other behavioral decision is likely to have a greater impact than whether of not you choose to use tobacco products. Second would be to get regular exercise and stay near your idea...
by camden
Wed Feb 27, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: HOA wants to install speed bumps that my car won't clear
Replies: 50
Views: 5844

Re: HOA wants to install speed bumps that my car won't clear

Work with your neighbors to see if you can stop their installation or at least mitigate the damage by having shorter bumps than 4”. My neighborhood’s experience has been that speed bumps turned out be a massive pain to everyone; annoying to have to drive over (every day, every time, forever), noisy,...
by camden
Thu Feb 21, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: High earners: thoughts on college and aid
Replies: 91
Views: 8091

Re: High earners: thoughts on college and aid

I would not count on any major financial aid in your situation, but the financial aid game is very school, time, and situation specific. A highly regarded private university in my area decided a dozen years or so ago that they wished to increase enrollment of high achieving local kids who previously...
by camden
Tue Feb 19, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Experian to monitor bank accounts/utility bill history (optional)
Replies: 3
Views: 496

Re: Experian to monitor bank accounts/utility bill history (optional)

No. What’s more, if it were possible, I would love to be able to block Experian and all the rest of them from being able to collect and share any data about me of any type from any source.
by camden
Mon Feb 18, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: First thing(s) you'd do when you achieve financial independence?
Replies: 73
Views: 6488

Re: First thing(s) you'd do when you achieve financial independence?

Methinks my attitude toward work changed ..... once they can't hurt you it all looks different. You can do the right thing whether others like it or not. YES! The grip that those in control at your place of work have over you evaporates when you reach the point at which you can simply walk away if ...
by camden
Tue Feb 12, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: chase private client [any fees?]
Replies: 9
Views: 1259

Re: chase private client [any fees?]

I was invited to join CPC several years ago. They sent me printed information about all of its advantages, which seemed to fall into two categories; things I already have and things I did not need or want (like investment advice). I do not recall any specific fees for membership, though there may ha...
by camden
Sun Feb 10, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: a week in Italy(first time)
Replies: 53
Views: 4651

Re: a week in Italy(first time)

Rome, Florence, and Venice are all fascinating, but with such a narrow time frame I would strongly recommend doing two of them rather than trying to squeeze in all three.
by camden
Fri Feb 08, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: FamilyTreeDNA Admits to Sharing Genetic Data
Replies: 53
Views: 3129

Re: FamilyTreeDNA Admits to Sharing Genetic Data

I don't think it's particularly concerning, largely because the DNA genie is already out of the bottle. It takes very little biological material for these gene 'chips'/microarrays to grab enough information to fingerprint you. Heck, these services just require a few milliliters of saliva, most of w...
by camden
Wed Feb 06, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: FamilyTreeDNA Admits to Sharing Genetic Data
Replies: 53
Views: 3129

Re: FamilyTreeDNA Admits to Sharing Genetic Data

Privacy, in any real sense, is long gone in our current society. We have collectively traded it, unwittingly perhaps, for all of the advantages our interconnected age brings. I always assume that any information I give anyone about myself, or interactions that can be tracked, can and often will be u...
by camden
Fri Feb 01, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Wanting to go to the Masters, questions and tips
Replies: 10
Views: 1109

Re: Wanting to go to the Masters, questions and tips

Went in 2016 for the Thursday and Friday rounds. It was great. Everything there is conducive to providing an optimal experience for the patrons ( you will be a “patron” not a “fan”, and your entry documents are your “credentials” not “tickets”——you get the idea). Crowds on Sunday will be huge around...
by camden
Wed Jan 30, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Where to stay for 1 week in Madrid?
Replies: 25
Views: 1437

Re: Where to stay for 1 week in Madrid?

Correction of above. Should have said that Valle de los Caidos HAD Franco’s tomb. Was moved from there recently, since I visited.
by camden
Wed Jan 30, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Where to stay for 1 week in Madrid?
Replies: 25
Views: 1437

Re: Where to stay for 1 week in Madrid?

Would recommend El Escorial, but unlike some other posters, I strongly suggest you go to Valle de los Caidos as well (can do both easily in a day trip from Madrid). Yes, it has Franco’s tomb and was built by prison labor to glorify his regime. Yes, he was a vicious totalitarian dictator friendly wit...
by camden
Mon Jan 28, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Payable on death (POD) accounts
Replies: 47
Views: 4633

Re: Payable on death (POD) accounts

I found recently, to my surprise, that my state of residence, Louisiana, does not allow/recognize Transfer on Death accounts. I believe that there are a number of other states in which this is the case.
by camden
Mon Jan 28, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Extra days in Nice, France area
Replies: 17
Views: 1261

Re: Extra days in Nice, France area

Pacific wrote:
Sun Jan 27, 2019 9:01 pm
Thank you all for the suggestions and replies.
maybe someplace like Aix or Avignon
Curmudgeon, in fact, AFTER the meeting in Nice, we are going on a week Uniworld cruise from Avignon to Lyon

Hope you get to spend some time in Avignon before the cruise begins. Interesting city, really liked it.
by camden
Tue Jan 22, 2019 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 64
Views: 11728

Re: Reaching Severe Burnout - Can I Scale Back Career?

I started to read this thread’s opening post without realizing that it was 4+ years old. I was about to respond to the effect that anyone who was capable of working as hard and being as financially responsible as to have acquired the assets you described and the responsibility you were given in your...
by camden
Sat Jan 19, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 9543

Re: What is a Boglehead funeral/burial?

When my MIL was alive, I offered to wrap her in black plastic trash bags and leave her on the curb with the trash. She was a Boglehead in spirit (never joined the forum, but would have fit right in here). She just laughed and said, "I wish you could!" She had wanted to donate herself to a medical s...
by camden
Thu Jan 17, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Ever encountered a toxic advisor? How did you handle it?
Replies: 25
Views: 3377

Re: Ever encountered a toxic advisor? How did you handle it?

My TIAA advisor (or really "contact") seems rather unhappy whenever we are winning big, and he seemed to take positive joy when he had to deliver some news that meant we had a bigger tax bill. I don't take much of his advice to heart-----we make our own Boglehead decisions and we've done very well ...
by camden
Thu Dec 27, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - streaming on HBO]
Replies: 94
Views: 13446

Re: Impressive film in theater Dec 17 and 27 only

Saw it today, and can highly fecommend. See it if it comes to your area, and be sure, as others have said, to stay past the credits for the discussion of the making of the film.
by camden
Thu Dec 27, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Ticket for speeding
Replies: 66
Views: 6164

Re: Ticket for speeding

Had to research what a “Prayer for Judgement” was. If the wiki is correct, it is specific to the state of North Carolina, and can be used twice per household in a five year span.
by camden
Sun Dec 09, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Wills, Estates and Trusts
Replies: 28
Views: 2873

Re: Wills, Estates and Trusts

Updated estate plan last year essentially exactly as you describe with an estate of similar value, though no children involved. Was done by an attorney with her own small firm who specializes exclusively in estate planning. Cost was $3000.
by camden
Tue Nov 06, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 10237

Re: retirement travel: RVs vs fly/drive/hotel

I have no interest in RVing for travel, for many of the reasons listed above. I have a particular dislike of them for another reason; people in my neighborhood who, in violation of the covenants (enforcement of which is nearly nonexistent with our HOA, but that’s another story) store the miserable e...
by camden
Fri Nov 02, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Equifax Data Breach
Replies: 10
Views: 1545

Re: Equifax Data Breach

I wish there was a way that I could “opt out” of allowing Equifax or any other similar company to acquire any data on me in the first place.......