Search found 1141 matches

by montanagirl
Tue Jul 16, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 85
Views: 4631

Re: Anyone buy the Nissan Rogue over the Honda CRV???

Well they certainly all look the same these days... :x
by montanagirl
Mon Jul 15, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: Bathtub Mat Recommendation
Replies: 17
Views: 975

Re: Bathtub Mat Recommendation

Good topic. I'm not happy with the ones I've found though I am using one I found at BB&B
by montanagirl
Mon Jul 15, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 177
Views: 6719

Re: Medigap vs Advantage: Which did you select?

After the Part B deductible (which will soon be paid by all new enrollees), Medicare will still pay 80% of all Part B expenses and 100% of diagnostic tests (please feel free to gently correct me if I am mistaken) Nope. Gentle enough? The 80% is correct, not the 100%. All diagnostic tests that fall ...
by montanagirl
Mon Jul 15, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 177
Views: 6719

Re: Medigap vs Advantage: Which did you select?

The first year I had just been laid off as I hit 65 so I went with an ultra cheap MA plan, knowing that I could try it for a year and switch to Plan F without underwriting. Which I did. Now I'm at Plan G because of the risk pool problem with Plan F in the future. I probably shouldn't have switched s...
by montanagirl
Sun Jul 14, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 177
Views: 6719

Re: Medigap vs Advantage: Which did you select?

I had a low cost PPO version of an Advantage plan the first couple of years I was on Medicare. I was very happy with it because I could go to any doctor who accepted Medicare. Then the insurance company canceled the plan, so I could switch to whatever plan I wanted without medical underwriting. The...
by montanagirl
Sun Jul 14, 2019 12:37 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: 10352

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

I've thought about this a lot, and took care of a retired officer friend years ago at end of his life, and am now watching out for a friend I met through that guy's family. Neither of us had children. In the case of the officer, he went into his bank when he couldn't balance his checkbook. Luckily t...
by montanagirl
Thu Jul 11, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: anyone here use BillPay?
Replies: 22
Views: 1202

Re: anyone here use BillPay?

You are over-thinking this mountaingirl. Once you have submitted the payment, your job is done. I have used BillPay thru USAA bank for about 30 years. So far so good. Yes and I got billpay mixed up with regular debits... :oops: I think it's the paper check thing...I thought it was all paper checks....
by montanagirl
Thu Jul 11, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: anyone here use BillPay?
Replies: 22
Views: 1202

anyone here use BillPay?

I've gotten used to paying most my bills this way at my bank, but I am amazed how some payments don't appear in my account for weeks or months even. Like I paid about 8 bills yesterday, to insurance and city sewer and gas card, but the one to the city doesn't show up in my account list of transactio...
by montanagirl
Fri Jul 05, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: No more print Mad magazine
Replies: 31
Views: 2120

Re: No more print Mad magazine

Atolotle
by montanagirl
Thu Jul 04, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: bike for 79 year old man
Replies: 26
Views: 2007

Re: bike for 79 year old man

I have an Electra Townie for around town riding, grocery shopping, etc. (I also have a "road" bike for longer rides). I love it. It has an aluminium step-through design frame, so it is lightweight, and 7-speed cassette on the back. https://www.electrabike.com/bikes/townie Good luck! They always sho...
by montanagirl
Tue Jul 02, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buy new home before putting current home on the market?
Replies: 25
Views: 1521

Re: Buy new home before putting current home on the market?

I have the same problem, only it's DH who has all the stuff. I am getting rid of mine. We probably won't get out of here until he passes. My plan is to rent for a year or more. Or maybe forever because I think the senior condo route is overrated, and buying an actual house would probably be too much...
by montanagirl
Sat Jun 29, 2019 10:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1282
Views: 120183

Re: U.S. stocks continue to soar!

Kind of helps that it had the worst December since 1931, and the worst 4th quarter since 2011. I made out like a bandit buying into December's dip. Me too. Well, in a small way. Since pulling my own SS I felt more secure going to 60/40 and finally got there last fall. And I bought the dip. Seemed l...
by montanagirl
Mon Jun 24, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 15826

Re: what was your worst major purchase? mine is a 2019 mazda3

My house. :( But inventory was so low, and a stepkid was coming to live with us and I panicked. I had looked at dozens of places, but if I had hung on a little longer some better deals would come along.

Patience is not my strong suit.
by montanagirl
Sat Jun 22, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4680

Re: Do you Casino? What do you play? Have you won?

When I worked in Nevada I played craps. Fun, social game. I read a how-to book first though and that helped. When I got paid at the cage I'd buy $20 in checks (what they called them then) and limited my outlay to that. I never won a lot because I never bet a lot. Typical for me...I'm not really a ga...
by montanagirl
Fri Jun 21, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Recommend toaster
Replies: 27
Views: 1769

Re: Recommend toaster

Bogle7 wrote:
Fri Jun 21, 2019 8:59 pm
You are a Boglehead. You can afford this.
Image

https://www.nisbets.co.uk/dualit-combi- ... shed/cd342
£132
Looks like an Airstream trailer
by montanagirl
Fri Jun 21, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Recommend toaster
Replies: 27
Views: 1769

Re: Recommend toaster

Gee sorry the topic isn't impotent enough for you but it seems like everyday products that we used to take for granted aren't so reliable anymore. I wonder why. :twisted:

Was going to buy a Cuisinart toaster but then saw the reviews..
by montanagirl
Fri Jun 21, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Boglehead Botanists: Is it a tree, shrub or weed?
Replies: 10
Views: 861

Re: Boglehead Botanists: Is it a tree, shrub or weed?

Your location would help. Are the leaves serrated? The photos are blurry.

Here in Montana we have a "weed" called Russian Elm that pops up all over. It's a messy tree-shrub and is taken out on private land but grows wild on public right of ways.
by montanagirl
Fri Jun 21, 2019 10:40 am
Forum: Personal Investments
Topic: Bob Brinker Retirement
Replies: 31
Views: 6006

Re: Bob Brinker Retirement

I never followed him that closely, never read his newsletter, so what I got out of him was mostly good. Index funds, vanguard, and gnma fund back when that was hot.

Liked his bumper music too. 8-)
by montanagirl
Wed Jun 19, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Recommend toaster
Replies: 27
Views: 1769

Re: Recommend toaster

Had a Cuisinart stainless steel 4 slice for years (also comes in a 2 slice). Works great and couldn’t be easier. Takes up little room. Use almost daily. Does not seem slow and is easily adjustable. Not a fan of toaster ovens. I'm not eager to sacrifice any extra counter space. We still won't have a...
by montanagirl
Wed Jun 19, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Recommend toaster
Replies: 27
Views: 1769

Recommend toaster

Our kitchen reno is nearly finished, and now we need a toaster update. :happy

Can anyone recommend a good 2-hole replacement? Is there such thing as a "fast" toaster? Our Ham Beach seems to take forever on medium setting.
by montanagirl
Wed Jun 19, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Restricted Appl- SS asking to review my earnings history
Replies: 12
Views: 1353

Re: Restricted Appl- SS asking to review my earnings history

Respond but you can go online now at SSA.gov and see your earnings history and maybe spot problems.

In my first ever history report I saw that an employer hadn't reported any of my four years there! And I got it squared away myself.
by montanagirl
Mon Jun 17, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: User reviews - How do you use them?
Replies: 33
Views: 1316

Re: User reviews - How do you use them?

I use them a lot at Home Depot and Amazon. I look at the good ones then re-filter and look at the worst. If helps because even good reviews may alert you to some problem with the product, documentation or installation hassles. Things like color not looking like the picture, unreadable directions, br...
by montanagirl
Mon Jun 17, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Essential oils
Replies: 3
Views: 465

Re: Essential oils

In before the lock. If I can't ask about vitamins and supplements then this should be verboten too.

Besides, a cut shouldn't take three weeks to heal anyway.
by montanagirl
Fri Jun 14, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 4895

Re: Anyone buy Security Cams from Costco?

I'd like to install abt six outside cameras to watch likely entry points, and also my cats creeping around outside.

But if these systems run on wifi, what happens if someone cuts your broadband cable?
by montanagirl
Sat Jun 08, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Protecting wood cabinet doors
Replies: 9
Views: 948

Re: Protecting wood cabinet doors

Wiping up any water spilled on the cabinets right away will reduce the water impact to your cabinet doors. +1 This is all I have ever done. Yeah caught myself slapping my wet kitchen gloves down under the sink and splattering water all over, so I hope I can remember to wipe it down or not do that. ...
by montanagirl
Sat Jun 08, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 9422

Re: Do you carry Umbrella Insurance?

About 200% of our net worth, which is low so we had to buy the minimum $1 mil policy.

It's really just a little more on each car and the house, so I don't really notice it.
by montanagirl
Sat Jun 08, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3473

Re: Sports classes in Universities

I didn't take any PE after junior college, but I wish now I'd taken billiards and golf for the social and rec advantages. But I was way too serious at the time.
by montanagirl
Fri Jun 07, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Protecting wood cabinet doors
Replies: 9
Views: 948

Re: Protecting wood cabinet doors

Your cabinets should come prefinished with a waterproof clear coating, typically a variation of a polyurethane clear coating. If they are not finished, you should finish them. Maintaining the finish is the most important thing. Water will damage the finish over time, and you can refinish as needed ...
by montanagirl
Fri Jun 07, 2019 12:27 pm
Forum: Investing - Theory, News & General
Topic: Social Security Question
Replies: 15
Views: 1200

Re: Social Security Question

I figured if I waited there would be more to cut from.

But who knows whether it would be a flat across-the-board cut.
by montanagirl
Fri Jun 07, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Protecting wood cabinet doors
Replies: 9
Views: 948

Protecting wood cabinet doors

I tried googling and redditing on this and I am amazed how little I found. This is not about plumbing leaks under the sink. Our new kitchen cabinets are coming Monday, natural wood furniture finish, and I want to try to protect the doors from all the water damage the lowers suffered for 40 years. I ...
by montanagirl
Fri Jun 07, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: NYT on women as financial advisors
Replies: 3
Views: 1259

Re: NYT on women as financial advisors

Nice of the NYT to try to build us up tho :rolleyes:
by montanagirl
Thu Jun 06, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Zillow house price estimate
Replies: 44
Views: 6076

Re: Value of Zillow house price estimate

I looked at ours yesterday and it was pretty funny. The facts were wrong, and I guess they're still wrong at the County, which has me scratching my head because I swear we had some permitted work done that should show up. I figure I'll sell for the tax value when the time comes anyway and be done wi...
by montanagirl
Thu Jun 06, 2019 9:10 am
Forum: Investing - Theory, News & General
Topic: Rational that ret portfolios should grow more conservative?
Replies: 20
Views: 1648

Re: Rational that ret portfolios should grow more conservative?

I find that I am much more risk tolerant now that I am in retirement than I was 20 years ago and worried about my job. I had the disastrous example before me of my brother's layoff in 1991. Anything I had saved up may be needed in the immediate future. Ironically, both my brothers and their families...
by montanagirl
Tue Jun 04, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3844
Views: 1105187

Re: What Book Are You Currently Reading? Part VI

RollTide31457 wrote:
Tue Jun 04, 2019 10:56 am
The Russia Hoax by Greg Jarrett. [Political comment removed by moderator oldcomputerguy]
Good one. Now reading War With Russia by Stephen F Cohen. Goes well with the Jarrett book.
by montanagirl
Mon Jun 03, 2019 3:00 pm
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 14499

Re: You May Never See Your Grandchildren Again

So what is the "insurance product"? An annuity?
by montanagirl
Mon Jun 03, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: best way to deal with mice in a rental property
Replies: 24
Views: 1598

Re: best way to deal with mice in a rental property

I have had the best luck with glue traps. But you have to handle them carefully and locate them back in dark corners and underneath things where kids and pets won't get stuck to them.
by montanagirl
Sat Jun 01, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: What to do with a 24" analog CRT TV?
Replies: 56
Views: 3076

Re: What to do with a 24" analog CRT TV?

CAsage wrote:
Sat Jun 01, 2019 11:54 am
It's toxic waste at this point. No one wants a 24" CRT. Check with your local city to find out where you can drop it. Recycle for the environment.
I had to pay an electronics recycling center $25 to take my old 20" Sanyo. I was glad to get rid of it!
by montanagirl
Fri May 31, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 2922

Re: 23 and me vs. ancestry- thoughts?

23andme gives you a lot more info like haplogroup and even a raw dna data file. I found it all fascinating, esp in light of recent books by David Reich, Cochran and Harpending, etc.

Ancestry seems kinda Mickey mouse in comparison. I wouldn't waste time with that one.
by montanagirl
Thu May 30, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Recommend under-cabinet range hood?
Replies: 20
Views: 780

Re: Recommend under-cabinet range hood?

Check out Vent-a-hood. Loved our hoodfan in previous home. https://www.ventahood.com/index.php/products/application/under-cabinet Powerful but quiet enough you can hold a conversation in the kitchen with it on full blast. I just drove to the other end of town to the only place that has them here. C...
by montanagirl
Thu May 30, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Recommend under-cabinet range hood?
Replies: 20
Views: 780

Re: Recommend under-cabinet range hood?

I love our 48” Best range hood. Not sure what the price point is for 30” size. No issues in 10 years and inserts release easily for cleaning. Excellent venting. I had motor installed in attic above kitchen so the vent in use is absolutely quiet in the kitchen. I checked those out, thanks. There was...
by montanagirl
Thu May 30, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Recommend under-cabinet range hood?
Replies: 20
Views: 780

Re: Recommend under-cabinet range hood?

We just replaced ours this winter, and were very limited as we didn't want to mess with ducting and backsplash changes. We have been pleased with this Broan so far, it is WAY quieter than the last hood (which had broken and was cheaper to replace than repair). https://www.homedepot.com/p/Broan-Glac...
by montanagirl
Thu May 30, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Recommend under-cabinet range hood?
Replies: 20
Views: 780

Re: Recommend under-cabinet range hood?

The zephyrs are rather expensive, and huge! I see some that are 10" or higher. Does this actually make for better suction if it's hanging lower over the stove? Makes sense. The broan 390 was in 20" but we need 30. Our duct is 6" and I won't ask DH to make it bigger. He's doing enough as it is. But d...
by montanagirl
Wed May 29, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Recommend under-cabinet range hood?
Replies: 20
Views: 780

Recommend under-cabinet range hood?

We're renovating the kitchen so the 17 year old range hood has to go. I don't mind spending 300 or so to get a better one than the old Broan, esp if it's quieter, but "quiet" doesn't seem to be a big item with range hoods I've looked at and see no dBc ratings. Quite unlike dishwashers. What we need ...
by montanagirl
Wed May 29, 2019 12:05 pm
Forum: Investing - Theory, News & General
Topic: [Nominal] Annuities are a bet on future inflation rates and should not be purchased by retirees
Replies: 183
Views: 12721

Re: Annuities are a bet on future inflation rates and should not be purchased by retirees

While I understand the theoretical argument, from a practical perspective is it possible to by an inflation indexed SPIA? From comments I’ve read on this forum I thought not but would be glad to be pointed in the right direction. At "immediteannuities.com" there is a variable you can put in for COL...
by montanagirl
Tue May 28, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3844
Views: 1105187

Re: What Book Are You Currently Reading? Part VI

Right now I am reading Nomadland , and though it's entertaining and all, I am very disappointed in the shoddy treatment of retirement investing by the author. I know that's not the point of the book, but it's a little tiresome read that everyone's 401k just "evaporated" or "disappeared" in 2008, or ...
by montanagirl
Sun May 26, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 108
Views: 12529

Re: No more print Money magazine

nisiprius wrote:
Sun May 26, 2019 5:01 am
Rats. Now I'll have to read "Highlights for Children" in the dentist's waiting room.
Wow, I've never found anything as interesting as Money at the dentist office!

I think it was Money mag and Bob Brinker that got me to finally move my investments to vanguard.
by montanagirl
Sun May 26, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 58
Views: 4465

Re: Any audiophiles on this forum?

Not an audiophile but I still have the Onkyo tuner I bought 27 years ago. I'd like to get rid of the KLH floor speakers but I'm not sure what kind of modern speakers would work with the Onkyo. I tried hooking it up to my Vizio sound board but it couldn't do much with the flat line signal. The regula...
by montanagirl
Wed May 22, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Marketplace Morning Report: "Brains and Losses: Aging and Financial Vulnerability to Scams"
Replies: 14
Views: 968

Re: Marketplace Morning Report: "Brains and Losses: Aging and Financial Vulnerability to Scams"

I'm 70 and clicked on a link in some junk email last week, for the first time since I don't know when, then caught myself and freaked out. My credit is frozen at five agencies and worry now that I will need a credit check years from now but won't remember how or not be able to understand the account...
by montanagirl
Mon May 20, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Helping father with finances - discovered he never took RMDs
Replies: 5
Views: 2383

Re: Helping father with finances - discovered he never took RMDs

When DH spaced out his RMDs I had to file by paper, because I read at IRS to send a letter explaining the mistake and assuring that all the past RMD will be taken asap.

It's possible my taxcut program could have handled this part of it in efile but I couldn't figure it out.
by montanagirl
Sat May 18, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Does SS payment day of month change when changing benefits?
Replies: 18
Views: 1048

Re: Does SS payment day of month change when changing benefits?

Yes it changes. Mine changed last year, 3rd to 2nd Wednesday. :beer