Search found 271 matches

by goaties
Thu Dec 06, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Where have the turtleneck base layer shirts gone?
Replies: 13
Views: 1834

Re: Where have the turtleneck base layer shirts gone?

I have a couple "polypro" turtlenecks I got from Cabela's years ago and nothing beats them. I had no idea they were becoming an endangered species. Maybe I'll have to buy a couple this weekend myself! Whenever something I want appears to have lost mainstream appeal, I tend to find it on eBay: https:...
by goaties
Sun Dec 02, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 69
Views: 11480

Re: Fidelity Money Market Funds for everyday expenses

While it is very convenient to have this automatic overdraft ploy available, don't you worry that it makes it so much easier for someone to drain your account? Or is this a far-fetched scenario? I've been keeping checking at a separate institution (with no overdraft protection) for years and telling...
by goaties
Fri Nov 30, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Nullify Sequence of Returns Risk by Borrowing?
Replies: 31
Views: 1934

Re: Nullify Sequence of Returns Risk by Borrowing?

Expenses of $70K sounds high to me. Where is the money going? Prescription drugs? Medical premiums? In-home nursing? There might not be much you can do to reduce spending on those items, but you might try reducing spending on things like rent, auto, utilities and so on. Also local hospice and cancer...
by goaties
Wed Nov 28, 2018 3:57 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8683

Re: How did YOU choose your career?

I'll start with the executive summary: the way I chose a career was to hang out with people I liked and felt kinship with. Turns out, those were the people I wanted to work with. You'll spend more hours with your co-workers than anyone else during your working years. It's wonderful if you enjoy thei...
by goaties
Mon Nov 26, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Home security system and outside cameras
Replies: 23
Views: 3726

Re: Home security system and outside cameras

Don't know if this will work for the OP, but I solved the many problems associated with outdoor security cameras...by not having them! Instead, I chose a window which overlooked the area where we have had break-ins, removed the screen from the window, and taped a small wifi security cam INSIDE onto ...
by goaties
Sun Nov 18, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: LOST OVER $400 on CDs in 2 Weeks!
Replies: 24
Views: 4369

Re: LOST OVER $400 on CDs in 2 Weeks!

My net worth is off by many thousands as a result. Annoying. Why is the market value of your investments not the correct value to include in your net worth calculation? A bond fund you might own will show a NAV based on the market value of the bonds, not the face amount. If you own a bond fund, I i...
by goaties
Sat Nov 17, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: LOST OVER $400 on CDs in 2 Weeks!
Replies: 24
Views: 4369

Re: LOST OVER $400 on CDs in 2 Weeks!

It is disconcerting to see these paper "losses". I have suggested to Fidelity that they should let us decide whether to use the cost basis or the speculative current market value of bonds/CDs when summing our investments into a net worth figure. My net worth is off by many thousands as a result. Ann...
by goaties
Fri Nov 16, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1932

Re: What convenience fees does your city charge for credit card use?

"The fee is currently a minimum of $2.00 or 2.65% of the amount paid, whichever is greater, on all credit and debit card transactions. For payments made using a Visa Consumer Debit Card, the convenience fee charged will be a flat fee of $3.95." Free to let them draft directly from checking or to do ...
by goaties
Thu Nov 15, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: VA (veterans admin) benefits for dementia
Replies: 7
Views: 450

Re: VA (veterans admin) benefits for dementia

My father received excellent care for dementia for years from the VA home in NH. It took well over two years to get him in, from the time he first got on "the list". Investigate the VA homes in your area--visit them unannounced rather than make an appointment. This helps you see how things are reall...
by goaties
Thu Nov 15, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 49
Views: 2593

Re: Understanding the difference in cell phone OS types

I was wondering about this claim that iOS is "more secure". Well, I found this table which, if anywhere close to accurate, is pretty stunning: https://9to5mac.com/2018/02/28/ios-versus-android-security/ If you don't use your phone to log into your financial accounts and other important things, maybe...
by goaties
Tue Nov 06, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Home security system for vacation home
Replies: 9
Views: 820

Re: Home security system for vacation home

I believe you can use an old smartphone to be a security cam. Here's a FAQ page for Manything: https://manything.com/faqs.html#network Take a gander near the bottom of the page. It talks about how you can use a cell signal to monitor a stream from the cam, should you not want/have internet service. ...
by goaties
Sat Nov 03, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 4034

Re: HealthCare 2019 - No ACA Subsidy

I've sold health insurance in Virginia for many years, so I'm well aware of what's going on there. Very nice to have someone who knows what they are talking about contributing here. These price increases are not simply due to medical inflation trend, they are due to guaranteed-issue requirements. I...
by goaties
Thu Nov 01, 2018 6:02 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11775

Re: Minimalist Lifestyle

I'm getting rid of the treasures and memories of a lifetime. My grandmother's century-old wedding china. My mother's silver. My books. And all the other things, acquired over a lifetime of living in many places, that all came together and made my house a home. +1. My grandmother's dresser. My mothe...
by goaties
Tue Oct 30, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Washing machine/dryer shopping
Replies: 38
Views: 2881

Re: Washing machine/dryer shopping

Definitely, if you are a single person, you might get by with something like this: https://www.amazon.com/Best-Choice-Products-Lightweight-Apartments-x/dp/B01ICBLBL0/ It will weigh 25 lbs. so you can easily move it to your next destination. No, you won't be able to wash a quilt or rugs in it, but yo...
by goaties
Tue Oct 23, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 32
Views: 1711

Re: Making loose leaf tea

I use a simple 1 quart Pyrex measuring cup and a small hand held fine mesh strainer to pour the tea from measuring cup to drinking cup. I drink a lot of loose leaf tea, mostly aged pu'erh style tea. Steeping overnight is a bad idea. It is not a good idea to over steep/brew tea as most tea will rele...
by goaties
Tue Oct 23, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 32
Views: 1711

Re: Buying and making loose leaf tea

I've been using loose leaf tea for centuries (ok, I'm not that old, but some days feel like it). I buy it by the pound, now that I know what I like. It's far cheaper that way. I get it from Amazon. Davidson"s is my favorite brand. Their cranberry orange herbal is spectacular. I also like their decaf...
by goaties
Mon Oct 22, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2604

Re: Amex premium car rental insurance not kicking in

The $19.95 charge for my Amex car rental insurance finally came in, it posted three days after my Enterprise car rental charge. I didn't need to call Amex. I took the lower option of $19.95 for $70,000 of coverage since I don't rent cars worth more than that. I wanted to report the same experience....
by goaties
Thu Oct 04, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2328

Re: Carry On Luggage Recommendations

Thanks for the replies y'all. Since I'm looking for one to carry on/stuff in an overhead bin, I assume soft would be better? We mostly backpacked back in the day so have never had hard luggage I hear you. Never had hard-sided luggage either, but then I've never been a world traveler--never hauled a...
by goaties
Wed Oct 03, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: New and looking for tips post home sale
Replies: 1
Views: 145

Re: New and looking for tips post home sale

I think the general rule among Bogleheads is that you should pay down the highest-interest debt first. In your case, that's probably your mortgage. I would plow at least half of the 70K into a one-time payment against the principal of your current mortgage.
by goaties
Fri Sep 28, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2604

Re: Amex premium car rental insurance not kicking in

My advice: 1. Rent directly from car rental companies, not via third-party websites like Priceline. 2. Use Chase credit cards rather than Amex. Yes, renting through Priceline may have prevented successful signup for the Amex extra "premium" coverage. Jury still out on that one. However, the main re...
by goaties
Thu Sep 27, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2604

Re: Amex premium car rental insurance not kicking in

Right. BUT, as a very infrequent renter, I would want to make sure at the time of rental - the policy coverage kicks in. Yeah, I agree. I don't rent often either. That's why I've been so concerned about this. I guess you could check your Amex account immediately after paying for the car to see if y...
by goaties
Thu Sep 27, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2604

Re: Amex premium car rental insurance not kicking in

Can this be checked/verified when we rent a car using Amex card? According to the policy they sent me (which I was just re-reading), the charge should happen at the time you pay for the rental. So it should appear with your transactions list on the website or on your statement. I just tried downgra...
by goaties
Thu Sep 27, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2604

Re: Amex premium car rental insurance not kicking in

Yes this has been happening to me too. I haven't been charged for the last couple of years, although previous to that I was charged for every rental. I rented a car last week from Enterprise after confirming with Amex that I had premium car rental insurance and so far no charge from Amex though the...
by goaties
Thu Sep 27, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2604

Re: Amex premium car rental insurance not kicking in

Who is the merchant shown on your billing statement for the car rental? The first rental shows up on the Amex statement as "Hertz Car Rental" (although I do remember making the reservation through AAA website). The second rental shows up as "Priceline Rental Car". Obviously, I made that rental (pre...
by goaties
Thu Sep 27, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2604

Amex premium car rental insurance not kicking in

I signed up for Amex premium rental insurance about a year ago. Since then I have rented cars twice, and in neither case was there a charge for 24.95 as I expected. I made certain to present the Amex card at the time I arrived at the counter to rent the vehicle. Still, no 24.95. So, presumably I was...
by goaties
Fri Aug 17, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 7573

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: 2580

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: 6955

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: 2429

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: 11409

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: 3202

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: 828

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: 5541

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: 10451

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: 2103

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: 5884

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: 1705

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: 1748

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: 352
Views: 19700

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: 3708

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: 5727

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: 359

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: 1344

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: 1344

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: 4405

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: 25840

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: 9244

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: 7235

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: 3326

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: 2663

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...