Search found 246 matches

by goaties
Fri Aug 17, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 7203

Re: Using ACA for early retirement years

I exercise and eat well. I've never smoked, never did any recreational drugs, never drank more than socially. I was never in a hazardous environment. I was healthy... until I learned that I had cancer last November. When each treatment costs $28k+ I'm glad I have good health insurance. Although you...
by goaties
Fri Aug 17, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Non-owner contributing to home renovations: what's fair?
Replies: 39
Views: 2533

Re: Non-owner contributing to home renovations: what's fair?

MJS has hit on the primary reason. These are aesthetic and functional improvements that will make the house more comfortable and welcoming for her. They are things that I agree require attention, and they'd be nice to get done, but they don't bother me as much as they do her, they are unbudgeted, a...
by goaties
Fri Aug 10, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6762

Re: Paper checks yes or no?

My most frequent use of checks: to pay camping and parking fees at unmanned National Forest sites (the "iron ranger", for those in the know). Who has exactly $3 or $18 in their wallet these days? So, I write them a check. Also our county charges a big fee if you use a credit card to pay your propert...
by goaties
Wed Aug 01, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: First smartphone:What to buy and what prepaid plan to sign on?
Replies: 27
Views: 2348

Re: First smartphone:What to buy and what prepaid plan to sign on?

How to know what kind of phone to buy? Where to buy? Return policies for the phones? Safety cases: Do they make durable/trustworthy safety shells/cases for the 'cheaper' phones? Hot spots: what's that? Should I decide on a prepaid plan first before buying a phone? Locked or unlocked: How to know wh...
by goaties
Sun Jul 29, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: An argument against self-insuring for long-term care
Replies: 214
Views: 10971

Re: An argument against self-insuring for long-term care

That seems to me to be a curious choice when there is a government program that we all pay for through taxes that is available to assist with nursing home care, and there are lawful ways to shield assets and still qualify for the program. Is it a moral objection? That people don't fully grasp the n...
by goaties
Sun Jul 29, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: LTC strategy: make health your hobby
Replies: 38
Views: 3091

Re: LTC strategy: make health your hobby

This is just one woman's opinion, but I have shepherded two parents to the grave and have watched as my friends and cousins have done the same for theirs. Dementia. Can't predict it. Can't control whether you'll get it. And you may live for many years (my dad went at least 10!) needing 24-hour care....
by goaties
Wed Jul 25, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: big plastic storage containers for pantry
Replies: 10
Views: 791

Re: big plastic storage containers for pantry

If you intend to store these dry goods for more than a few months, you may want to invest in the (expensive) ones that claim to keep out air, bugs, etc. Also, if you live in a somewhat warm climate, freeze the items for a week, bring them back to room temp, and then put them in their long-term stora...
by goaties
Mon Jul 23, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5348

Re: High voltage powelines near house

And the right of ways were often doused with herbicides, including agent orange. This. Broadcast application of Roundup and other herbicides would be my concern. Also, at least out here in the country, powerline rights-of-way tend to become trails for 4-wheelers and the like...which can get annoyin...
by goaties
Mon Jul 16, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10042

Re: Why own a bed?

I have decided that, when next I move, I am going to throw away my old queen-size bed and keep my living room recliner. Why? Because I do my best sleeping in the damn recliner anyway! When fully reclined, my head is slightly elevated (which seems to help with breathing), my feet are slightly elevate...
by goaties
Thu Jul 12, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
Replies: 33
Views: 2007

Re: Question for pre-ACA Early Retirees

I think the real issues were lurking beneath. Before ACA, if you developed an incurable long-term and/or expensive condition, the insursance company would just not renew your policy. Yes, yes, yes, this is what used to keep me up at night. And still does, since the future of the ACA is so uncertain...
by goaties
Mon Jul 09, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5654

Re: Should I take a $60k paycut to work 4days/week

You know, it's possible that, should you be amenable to this, your 60K pay-cut might not be 60K. If you are currently paying someone to mow, houseclean, daycare the kids, make food for you (eat out), AND you vow to make up the difference yourself by doing your own mowing, housecleaning, food prep, a...
by goaties
Sun Jul 08, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Mailbox at UPS Store as Primary Address?
Replies: 12
Views: 1542

Re: Mailbox at UPS Store as Primary Address?

A month is not really a very long period of time. You can do nearly everything electronically now, including e-signing documents for home sales. At least, I have done it. Ask your realtor if this is possible. Sign up for e-docs with your banks and investment houses too. For other stuff, the PO will ...
by goaties
Thu Jul 05, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Insurance company canceeling homeowners policy. Hell
Replies: 13
Views: 1703

Re: Insurance company canceeling homeowners policy. Hell

This happened to me a few years ago. State Farm decided to get out of The Disaster State (NC) and raised our rates to truly laughable heights. So, I switched to Progressive and paid my first year's premium. Not so fast. A month later, I got a letter similar to yours from Progressive with various sil...
by goaties
Tue Jul 03, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13920

Re: What are your property taxes?

3504PIR wrote:
Sun Jul 01, 2018 12:00 am
$1300 pa in North Carolina
Ditto!
1500 sq ft (old house, though)
7-ish acres
by goaties
Tue Jul 03, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3565

Re: How do I fix my heating bill?

lthenderson wrote:
Tue Jul 03, 2018 10:10 am
Another option would be to install some solar window heaters in the bedrooms.
I want to hear more about this! Do you mean something like these?
https://www.homedepot.com/p/Solar-Infra ... /203972918
by goaties
Sun Jun 24, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5554

Re: car for long-distance driving

One issue with renting a car is that car rental companies almost never put snow tires on their vehicles, even when you rent them in areas that regularly get heavy snow. My best friend and I still have a good laugh over the day I tried to get up her driveway, in February, in central New Hampshire, wi...
by goaties
Sun Jun 24, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Alaska Airlines >60 day change fee waiver is going away?
Replies: 1
Views: 338

Alaska Airlines >60 day change fee waiver is going away?

I became aware of this yesterday when I called Alaska to change flights (still for flying on the same day). I was told that since it was >60 days until the flight, the $125 change fee would be waived. I then checked their website to see if this was normal and found this page: https://www.alaskaair.c...
by goaties
Fri Jun 22, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Outdoor Wooden Steps Repair?
Replies: 19
Views: 1268

Re: Outdoor Wooden Steps Repair?

Maybe Gorilla Glue will be my new Plan B, thank you! Re coating the underside - this is a front walk deck, and it's about 6 inches off the ground. Is there any need to stain the underside if it's not visible? Well, the "stain" I used was actually stain plus sealer in one (Olympic Maximum). I like t...
by goaties
Thu Jun 21, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Outdoor Wooden Steps Repair?
Replies: 19
Views: 1268

Re: Outdoor Wooden Steps Repair?

I did this exact same job last year. I even got special "exterior" wood putty (Elmers, I think). After just a few months, most of it had flaked out of the gouges I had filled with it. This year, I decided to try some Gorilla Glue. No, really. I had some left over from another project and I figured "...
by goaties
Wed May 23, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4313

Re: Buy this home?

This may be really gauche, but if your parents and inlaws are part of the reason you are looking for a bigger house, mightn't you ask them to pony up some "rent" for those 2 to 4 months they are staying with you? You could apply it to the principal of the mortgage. Might help you sleep better.
by goaties
Sun May 06, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25077

Re: most compelling TV character ever

Jane Tennison - Prime Suspect (played by Helen Mirren) I still can't forget some of the scenes from that show.
by goaties
Tue Apr 24, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 8780

Re: Kitchen features

I have a tiny kitchen too, but it is completely adequate because the counters are in a U-formation with the stove at the bottom of the U, sink on one side, fridge at one end of the U. I use a tiny stepstool to reach the top shelves. The potentially "lost" space at the U's corners is saved by having ...
by goaties
Wed Apr 11, 2018 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance - Super Heavy Handed Pitch
Replies: 101
Views: 6811

Re: Owners Title Insurance - Super Heavy Handed Pitch

50 years? Pffffft, what a clown. I would dump this guy and get a "real" lawyer. Unfortunately, that seems to be the norm these days. To me, real estate lawyers are merely insurance agents for the title insurance companies. They do a perfunctory title search then cover their asses by making you pay ...
by goaties
Tue Apr 10, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: How Often Do Stocks & Bonds Suffer Concurrent Losses?
Replies: 31
Views: 3190

Re: How Often Do Stocks & Bonds Suffer Concurrent Losses?

Would it be possible to compare against a larger bond universe than just 10-year Treasuries? You;re comparing 500 (non-government) stocks versus one (government) bond. Corporate bond funds pay higher rates than Treasuries and lack the "full faith and credit" guarantee, just like stocks. This is an i...
by goaties
Mon Apr 02, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Replacing a deck
Replies: 14
Views: 2589

Re: Replacing a deck

I too have a failing deck and am considering tearing it off and replacing with a patio. It would be cheaper, I could do a lot of the grunt work myself, and no worries about footers sinking--although I suppose another can of worms will open of which I am not yet aware! No matter what you decide to do...
by goaties
Sun Apr 01, 2018 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 10107

Re: Liability for 32 year old step son living home

what's his reason for not getting "free" health insurance? He won't give us a reason for not applying for the free insurance, be my wife and I think that he is afraid of all the questions they will ask him about why he hasn't bee working for so long. I've looked at a Medicaid application: unlike Ma...
by goaties
Sun Apr 01, 2018 4:45 am
Forum: Personal Finance (Not Investing)
Topic: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?
Replies: 35
Views: 3861

Re: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?

I've been around the horn a couple times with this myself, but my experience is from 20 and 15 years ago, so things may have changed. In both cases, my State Farm agent advised me strongly that, should I get a phone call from the other guy's insurance company or an unfamiliar lawyer, to say nothing,...
by goaties
Fri Mar 30, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Duffel >62 linear inches but won't be full...oversize fee?
Replies: 11
Views: 1183

Re: Duffel >62 linear inches but won't be full...oversize fee?

I've done this a number of times on different airlines -- never any issues, as when the bag is less than full it is under the size constraints. I do recommend a couple of compression straps, this will not only make your bag smaller, but also protect the contents from shifting a lot in a half empty ...
by goaties
Wed Mar 28, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Duffel >62 linear inches but won't be full...oversize fee?
Replies: 11
Views: 1183

Re: Duffel >62 linear inches but won't be full...oversize fee?

stlutz wrote:
Wed Mar 28, 2018 6:29 pm
What airline are you flying? Some are much more aggressive at going after extra fee income than others.
Alaska airlines.
by goaties
Wed Mar 28, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Duffel >62 linear inches but won't be full...oversize fee?
Replies: 11
Views: 1183

Duffel >62 linear inches but won't be full...oversize fee?

I haven't traveled by plane in quite a while and after reading Boglehead posts on the subject of checked bags, I realized I might have a problem. Because I'll be traveling with lots of camping gear, I'm going to be checking a beloved rolling duffel which, if it were full, would certainly exceed the ...
by goaties
Sun Mar 25, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Big time home inspection issues
Replies: 44
Views: 5652

Re: Big time home inspection issues

Yes, I agree with others. Run from this house unless you are a contractor. I have owned several dumps in my lifetime and, for every problem your inspector encountered (a "her"! wonderful!), there will be two or three other problems she didn't find. That's how it works with old houses. Unless you wan...
by goaties
Thu Mar 22, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Lost my wallet few days back. Someone trying to hack me today. What to do?
Replies: 10
Views: 2265

Re: Lost my wallet few days back. Someone trying to hack me today. What to do?

[quote=RL1013 post_id=3842098 time=1521739266 user_id=132590 I might have some handwritten notes in there with my email id. Financial institutions send a one-time security code to email or phone when a new device tries to access the account. I am guessing the thief is trying to get access to my emai...
by goaties
Thu Mar 22, 2018 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Cancelled car insurance before leaving on extended trip, now premiums tripled
Replies: 13
Views: 3165

Re: Cancelled car insurance before leaving on extended trip, now premiums tripled

This might be one time where consulting an independent insurance agent would help. They have a line on minor insurance companies you may not have heard of, can probably save you a lot of time, and might even find you better rates. It's worth a try. They don't charge you anything (Last I knew. I'm su...
by goaties
Thu Mar 22, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Lost my wallet few days back. Someone trying to hack me today. What to do?
Replies: 10
Views: 2265

Re: Lost my wallet few days back. Someone trying to hack me today. What to do?

I know how this feels. Your stomach kinda drops out. Here's the best thread I found on this forum about what to do:

viewtopic.php?t=228799
by goaties
Sun Mar 18, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Impact of oldest credit card being cancelled
Replies: 14
Views: 1363

Re: Impact of oldest credit card being cancelled

Must be the season for Capital One to be doing this as I too just received a letter letting me know that ONE MONTH AGO they cancelled my unused card. Why the delay in notification? Maybe they were hoping I would use it one last time. Anyway, it dropped my total available credit by 21%. That's probab...
by goaties
Thu Mar 15, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: How can I provide rental references as a longtime homeowner?
Replies: 17
Views: 1994

Re: How can I provide rental references as a longtime homeowner?

Last year I rented to a person who had been a homeowner for the last decade or so. As long as the person's story checks out (i.e., why are they renting instead of buying) and their credit/income is good, I see being a homeowner as a positive because it means the people are used to taking care of a ...
by goaties
Thu Mar 15, 2018 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Planned Roth conversions might not make sense with state taxes
Replies: 4
Views: 528

Re: Planned Roth conversions might not make sense with state taxes

I've had to do these planning maneuvers too. I've found the only way to get it right is to just go to the new state's tax website, download the tax forms/instructions, and pretend to do next year's taxes with a number of different scenarios.
by goaties
Fri Mar 09, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: How can I provide rental references as a longtime homeowner?
Replies: 17
Views: 1994

Re: How can I provide rental references as a longtime homeowner?

DH and I owned a four unit rental for seven years. We were more concerned with outstanding judgements and ontime payments to things like utility companies, cable, cell phone, etc. I never rented to anyone that owed a utility company a back payment or had been evicted or sued for back rent. As long ...
by goaties
Fri Mar 09, 2018 6:29 am
Forum: Personal Finance (Not Investing)
Topic: How can I provide rental references as a longtime homeowner?
Replies: 17
Views: 1994

How can I provide rental references as a longtime homeowner?

I am considering becoming a renter for a year. All the landlords require "rental references". I haven't rented since 1992. I also don't have a mortgage or any loans outstanding. I have an 800 credit rating. Will I have trouble renting? What can I provide for a "reference"? I am retired, so there's n...
by goaties
Thu Mar 08, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Replacing vanities?
Replies: 21
Views: 2108

Re: Replacing vanities?

I recently faced this same question and also realized that replacing the vanity was opening a big can of worms. After cleaning the vanity (which hadn't been done in ....ahem, a LONG time), I realized that it was mainly the hideously stained fake marble top that needed replacement. I could live with ...
by goaties
Mon Mar 05, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Converting old home to open plan layout?
Replies: 45
Views: 4312

Re: Converting old home to open plan layout?

I absolutely hate open floor plans. Every single modern house as them and I strongly dislike. I do want some openness and would prefer for the doors between some rooms to be of double size (or have no doors) such as the space between kitchen and living room, etc. A kitchen should NEVER have a bar. ...
by goaties
Mon Mar 05, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Cell phone service & phone recommendation for seniors
Replies: 10
Views: 998

Re: Cell phone service & phone recommendation for seniors

go to www.freedompop.com and get yourself a $19 cell phone and sign up - you can get $0 monthly cell for 200 minutes and 5G of data if you don't use telephone a lot - this is the way to go This looks really interesting. Thanks for posting. To the OP: check the coverage map to make sure it's going t...
by goaties
Mon Mar 05, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Dehumidifier for humid basement. I want one that lasts.
Replies: 37
Views: 10426

Re: Dehumidifier for humid basement. I want one that lasts.

Mine's AD40G1. Sounds like it's from the same generation. I wonder if they'd like to meet? :D I thought once of replacing it for one that *doesn't* sound like a jet engine, but then I read threads like this and I remember why I don't. I have an old Whirlpool which I have been using in the bathroom (...
by goaties
Mon Mar 05, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Cell phone service & phone recommendation for seniors
Replies: 10
Views: 998

Re: Cell phone service & phone recommendation for seniors

I've owned a Tracfone smartphone for several years now and use it just in the way you do. I'm looking at the Tracfone webpage and see that they have a Samsung Galaxy Sky for 50.00 which would probably be overkill for you. That phone is pretty close to the Samsung I bought from them. Their smartphone...
by goaties
Sat Mar 03, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Furnace / AC Price Options
Replies: 11
Views: 1418

Re: Furnace / AC Price Options

I have a 1999 Trane heatpump that runs like a ....., well, you know. No repairs needed in the 10 years I have lived with it. Held my breath during unusually frigid cold spell in January when it was actually below zero here. Poor thing ran constantly, but no breakdowns! Of course, today's Tranes may ...
by goaties
Fri Mar 02, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: 2016 Sienna - 57k miles - any downside to buying?
Replies: 29
Views: 3319

Re: 2016 Sienna - 57k miles - any downside to buying?

S Siennas built after 2006 (V6 engine) have a timing chain, thankfully. Example - 2016 vehicle at 60k miles may need a timing belt(assumption) replacement necessary at 100K so expect to pay for it in 2-3 years 2018 vehicle at 0k miles may need a timing belt(assumption) replacement necessary at 100K ...
by goaties
Tue Feb 13, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 9034

Re: Are Password Managers Really Necessary?

Use of a password manager helps me keep from becoming low-hanging fruit. With it, I create lengthy nonsensical passwords AND unique logins AND unique answers to security questions for every account. The whole shebang. For instance, I am "goaties" on absolutely no other website anywhere. This might h...
by goaties
Tue Feb 13, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 7301

Re: Question for music experts about musical keys

It might matter to someone with perfect pitch. I've known exactly one person with this (dis)ability. They actually found it annoying and sometimes confusing when things were casually transposed to another key. Most of us cannot tell the difference whether something is in G or F just by listening. Sh...
by goaties
Thu Feb 01, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Alaska rental car - what is the real risk with unpaved roads?
Replies: 36
Views: 2798

Re: Alaska rental car - what is the real risk with unpaved roads?

What specifically does the rental agreement say? Does it provide fines or penalties if they find you've driven on unpaved roads? No, there's nothing about fines. I think a problem might arise should you return the car with some kind of damage. At that point, the rental company (or Amex, who will be...
by goaties
Thu Feb 01, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Alaska rental car - what is the real risk with unpaved roads?
Replies: 36
Views: 2798

Alaska rental car - what is the real risk with unpaved roads?

I'm planning The Big Trip to Alaska this fall, and I will be renting a car with the usual "no unpaved roads" disclaimer. I need to drive 14 miles on the unpaved section of the Denali national park road in order to get to Teklanika campground. My concern is the GPS locators which rental companies are...