Search found 384 matches

by flossy21
Fri Feb 16, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 125
Views: 6906

Re: I'm Cancelling My Home Insurance

To each his own I suppose but it seems like you would basically be opening yourself up to the potential situation where a fraudster would target you for negligence. An example might be where a passerby on the sidewalk gets hit by a rock from your lawn mower and claims multiple debilitating injuries ...
by flossy21
Thu Feb 15, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 6767

Re: Wisdom of Bitcoin

I heard on NPR this morning that the IRS is going to get aggressive with people who aren't reporting their crypto-currency gains on their taxes. Apparently none of the exchanges issue 1099's so its up to the individual currency holder to report honestly. Of course...they mostly aren't reporting at a...
by flossy21
Fri Feb 09, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 6
Views: 298

Re: Quicken Alternatives

Moneydance is a one time purchase ($50).

http://moneydance.com/
by flossy21
Fri Feb 09, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Best TV options for multiple residences?
Replies: 9
Views: 503

Re: Best TV options for multiple residences?

You could also look into a Slingbox (see link below). Basically it connects to the cable box at one location and lets you watch content from that location anywhere (phone, tablet, other TV's).

You'll need a strong internet connection at all 3 locations for it to work.

http://www.slingbox.com/
by flossy21
Fri Feb 09, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 6
Views: 298

Re: Quicken Alternatives

The question you ask is one that is commonly discussed here. Try doing a search for "Quicken" on this forum. You'll find multiple recent threads that address the question. I personally use Moneydance after moving from Quicken several years ago. There are other alternatives as well. Here's a recent t...
by flossy21
Thu Feb 08, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 223
Views: 13543

Re: free dinner investing seminar

If you want some idea of what to expect then check out this link... http://www.wealthmanagement.com/forums/prospecting-marketing-and-selling/successful-seminars This is a link to the forum for Registered Reps. Basically the Boglehead's nemesis. As you will see, if you attend and don't buy then you a...
by flossy21
Wed Feb 07, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 5760

Re: How to stop mail for former occupants?

I sometimes get offers that are addressed to me or others with return envelopes inside that are prepaid postage. I'm talking about credit card offers, magazine offers, etc. You know the kind that say, "No postage required if mailed in the United States". I usually take everything out of the original...
by flossy21
Thu Feb 01, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 7862

Re: I have an overwhelming gift I'm in need of help of please.

You've received some great advice so far but It's unclear if this is pre or post tax money. I would expect with a gift this large someone will owe some taxes. Here are the rules for gift taxes. https://www.irs.gov/businesses/small-businesses-self-employed/frequently-asked-questions-on-gift-taxes#2 Y...
by flossy21
Fri Jan 26, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: What else can cause an Electric water heater to run out of hot water.
Replies: 7
Views: 547

Re: What else can cause an Electric water heater to run out of hot water.

Years ago I was helping a buddy troubleshoot a problem with a hot water heater in a rental house he owned. Basically a 2 element hot water heater. The elements tested OK with the meter; ie - they showed continuity on the meter so the assumption was that the elements had not rusted through and the lo...
by flossy21
Thu Jan 25, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6019

Re: Your bond allocation when you were 48

35% in VBTLX

Planning retirement at 55 (or sooner if this bull keeps bulling along)
by flossy21
Sun Jan 21, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2725

Re: what is the best mouse poison?

Just One BIte

https://www.amazon.com/Old-Cobblers-Far ... use+poison

set a few of these litte logs out and you won't have a mouse problem anymore
by flossy21
Thu Jan 18, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 4900

Re: A "Home" cell phone?

flossy21, thanks for the very concise explanation. My “taxes, surcharges & fees” on just the phone are close to $17 a month, with $7 and $4 going to federal subscriber line charge and 911 for my city, respectively. It sounds like switching to Ooma would bring no relief there. From the FAQs, I under...
by flossy21
Wed Jan 17, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 4900

Re: A "Home" cell phone?

Ooma's a great solution. It costs me about $5.00 and change a month. You hook the Ooma box up to your router and then plug the Ooma out line into any phone jack in your house. It powers all the phone jacks from there so you can have a base unit anywhere and auxiliary handsets all over the house. ht...
by flossy21
Wed Jan 17, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Your favorite non-investing, non-financial websites?
Replies: 47
Views: 16540

Re: Your favorite non-investing, non-financial websites?

Here's one for you. It's an online archive of literally all kinds of media. Movies, Audio, Video Games, Magazines, Comic Books, etc. Just search and you will find something interesting here to peruse. https://archive.org/ People scan old magazines, periodicals and comics and share them here. For exa...
by flossy21
Tue Jan 16, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 4900

Re: A "Home" cell phone?

Ooma's a great solution. It costs me about $5.00 and change a month. You hook the Ooma box up to your router and then plug the Ooma out line into any phone jack in your house. It powers all the phone jacks from there so you can have a base unit anywhere and auxiliary handsets all over the house. htt...
by flossy21
Fri Jan 12, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 35
Views: 2927

Re: Best Movies of 2017

Logan Lucky
by flossy21
Mon Jan 08, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6651

Re: Hot Water Delay at faucet/shower far from water heater

I had a similar issue in our current home years ago. My local municipal water was offering a rebate if you purchase and install a recirc pump system. Basically as others have said. Rather than wasting gallons of water waiting for hot water to arrive they circulate the hot side water down the cold li...
by flossy21
Fri Jan 05, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Worth tracking down lost retirement plan histories?
Replies: 23
Views: 1239

Re: Worth tracking down lost retirement plan histories?

I am thinking that any unclaimed money would have been forfeited to some government entity. You should check your state's unclaimed property website. You can find more info here...

https://www.usa.gov/unclaimed-money
by flossy21
Mon Dec 18, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 7649

Re: New job offer - background check

It's all about the optics of the situation. It sounds like you have been honest with your interactions up to this point. If you filled out a job application I'd be shocked if one of the questions on there did not inquire whether you have a criminal history. If you answered "No" and now the history c...
by flossy21
Sun Dec 17, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Quicken for Mac
Replies: 7
Views: 639

Re: Quicken for Mac

Check out Moneydance. Also search this forum for Moneydance. I'm a Quicken user from 1997 to 2010 or so. Started with Windows and now on Mac. I switched to Moneydance when I went to Mac and imported all my Quicken data.

http://moneydance.com
by flossy21
Sun Dec 17, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 7649

Re: New job offer - background check

Tell the recruiter about the issue. Be completely open and honest with him/her. The recruiter is your advocate. Let him/her advise you on how to handle the issue.
by flossy21
Sun Dec 10, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 4262

Re: Buying index funds is just as speculative as buying Bitcoin

Maybe...but I'll take the Index Fund investment.

Bitcoin is competing with a currency backed by the US Gov't. The US Gov't has a monopoly on US$. Why would the US Gov't willingly give up it's monopoly in favor of Bitcoin?
by flossy21
Fri Nov 10, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Tankless Water Heaters
Replies: 10
Views: 1057

Re: Tankless Water Heaters

Similar to the Hot Water Lobster I have a Chili Pepper appliance installed under the sink in our Master Bath. Basically you push a button and it circulates the water in the hot water line through the cold water line until it senses hot water has arrived. It takes about 1 minute typically for the pro...
by flossy21
Wed Nov 08, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund question - active vs. managed (VBMFX vs. PICYX)
Replies: 16
Views: 1014

Bond Fund question - active vs. managed (VBMFX vs. PICYX)

I sit on the Investment Committee for our small company of 25-30 employees. I am one of 3 on the committee including the owner. I would say I am the most knowledgeable of the committee members in terms of general investing knowledge. I would not say I am an expert by any stretch of the imagination. ...
by flossy21
Wed Nov 01, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Invalid airline ticket, seeking reimbursement
Replies: 36
Views: 3288

Re: Invalid airline ticket, seeking reimbursement

I'd get the press involved. Try something like The New York Times, USA Today or The Wall Street Journal.

As you said the bad press from this is worth much more than the cost to reimburse you for the ticket.

Use that lever on them.
by flossy21
Mon Oct 30, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Joint account with Siblings
Replies: 44
Views: 2150

Re: Inheritance and Joint account with Siblings

Here's a nightmare scenario to chew on a bit. Joint account among the siblings. One of the siblings dies and their spouse or kid(s) now inherits the account. Now you and other siblings have a non sibling in the mix with not as much of an emotional tie to the money. Suppose said spouse remarries or n...
by flossy21
Thu Oct 05, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1984

Re: Fender bender -- other driver at fault -- what to do?

***update 10/05/2017 3:20 pm Thanks for all the thoughtful replies. The group has certainly been helpful. I spoke to a fellow at my insurance company; Progressive. He connected us both to the claim rep for the at-fault driver on a 3 way call. I explained the situation in very carefully chosen langua...
by flossy21
Thu Oct 05, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1984

Re: Fender bender -- other driver at fault -- what to do?

****Update*** - 10/05/2017 at 9 am I received a call from my insurance company yesterday around 4:30 pm. I returned the call but it was after hours so I left a v/m for the fellow who called me with my claim number and asked him to call me back today. I have not returned the call to the other driver'...
by flossy21
Wed Oct 04, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1984

Re: Fender bender -- other driver at fault -- what to do?

**Update** 10/04/2017 2:30 pm I'm the OP. Thanks for all the thoughtful responses. I really do appreciate the various perspectives on this thing. I have not heard from my insurance company other than an email acknowledgement of the claim I submitted online. I had a voice mail from the at fault drive...
by flossy21
Wed Oct 04, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1984

Fender bender -- other driver at fault -- what to do?

I am going to ask for the collective wisdom of the Bogleheads. My car was parked at my work parking lot this morning in a spot with the nose pointed toward the sidewalk. This is a private parking lot for our building. Apparently another car backed into the rear bumper and pushed my car forward so th...
by flossy21
Tue Sep 26, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: DIY gas fire pits. Propane or Natural Gas?
Replies: 13
Views: 1220

Re: DIY gas fire pits. Propane or Natural Gas?

I recently did something similar. I have a 500 gal propane tank buried underground. My patio contractor did the fire pit build and installed the propane fire pit insert. Basically it is a stainless steel cup that is around 30" diameter and 3-4" deep that holds the fire ring which looks like a wagon ...
by flossy21
Mon Sep 25, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in construction equipment rental business
Replies: 15
Views: 1058

Re: Investing in construction equipment rental business

...who is also a good friend. If your friend is overestimating the usage or rental potential then you are left holding the bag on the investment. Also if he does a poor job of maintaining then who pays for the big problems when hydraulics need replaced and the like? How much do you value the friend...
by flossy21
Fri Sep 22, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 2691

Re: Phone Techies .....

You can replace the battery yourself for cheap. Check out this site. It sells repair kits for just about every piece of tech you can imagine.

https://www.ifixit.com/
by flossy21
Wed Sep 13, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2329

Re: Herd mentality

It's all well and good until you run into an Enron or a Worldcom and they leave you with nothing after declaring Bankruptcy.

https://en.wikipedia.org/wiki/Enron

https://en.wikipedia.org/wiki/MCI_Inc.
by flossy21
Thu Aug 17, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: ABS light, and OBD II scanners.....UPDATE
Replies: 34
Views: 2720

Re: ABS light, and OBD II scanners.....

If you go to AutoZone or similar places they often have OBD-II scanners that you can borrow and use right there in the parking lot. Sometimes the parts counter person will even help you do the scan. You'll get a code or several codes and then have to look those up in a book to see what the specific ...
by flossy21
Tue Aug 15, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Family Tree Template?
Replies: 9
Views: 1062

Re: Family Tree Template?

Check out Geni.com. It's free and you can allow multiple users to enter info. This is very useful when you and another relative want to work together to research and compile info. Geni also has a paid version that ties back into ancestry.com and other sites. I do not use that but it could be useful ...
by flossy21
Tue Aug 01, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Who's Responsible?
Replies: 23
Views: 1717

Re: Who's Responsible?

It is your responsibility to file a claim with USPS. It is possible that your package was delivered to your front porch and was stolen. This is very common. In that case neither the sell, Amazon, USPS or you are at fault. It just happens sometimes. I would be thankful that Amazon made me whole on th...
by flossy21
Fri Jul 28, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 11739

Re: Is Amazon Prime worth it?

I'm in the camp that says Prime is worth the price. I ordered a table saw as a Christmas present. It was very very heavy. With Prime I payed $0 for shipping. It would have cost a fortune to ship something that large with that kind of weight. The price I paid was cheaper than Lowes or Home Depot and ...
by flossy21
Wed Jul 26, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: online storage for small community - dropbox? other?
Replies: 6
Views: 476

Re: online storage for small community - dropbox? other?

Similar to what you describe I set up a Google Drive site for our HOA when I was Treasurer. The HOA does have a website but it is a free site through Google sites and contains very little info. There were some links on the web page that pulled files from the Google Drive. We also have a gmail accoun...
by flossy21
Thu Jun 29, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 4716

Re: Do you buy phone outright or pay it off monthly...

My wife and I both use our personal phones quite a bit for work so we deduct the phone expenses from our taxes. We also have my MIL on our plan as she is a light data user and really only uses phone on wifi or for text/calls. We do not deduct her portion of the bill. We all 3 have come up for renewa...
by flossy21
Thu Jun 15, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 7386

Re: Curious to odd estate question

Scenario, you want any assets that remain after you die to essentially vaporize so no one (person, institution, Government, Church, Charity) can benefit from them. In simplistic terms you simply want to burn the pile of assets that represents your estate so no one benefits from the value of your es...
by flossy21
Thu May 18, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 4134

Re: Refinishing roughed in stairs - removing carpet

I've remodeled a similar set of stairs. Removed the existing tread and replaced with solid hardwood treads. These are available at Home Depot and other home centers. Cap the risers with matching 1/4" plywood. Finish with several coats of poly. I glued (construction adhesive) and screwed the treads ...
by flossy21
Thu May 18, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 4134

Re: Refinishing roughed in stairs - removing carpet

I've remodeled a similar set of stairs. Removed the existing tread and replaced with solid hardwood treads. These are available at Home Depot and other home centers. Cap the risers with matching 1/4" plywood. Finish with several coats of poly. I glued (construction adhesive) and screwed the treads ...
by flossy21
Mon May 15, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 4609

Re: Homeowner's Insurance & New Roofs

Have you reviewed your policy with respect to the specific language that addresses roof damage due to weather events/hail? I'd start there. You could also hire a home inspector who is independent of any roofing company to do an inspection of the roof and offer a professional, 3rd party, opinion as t...
by flossy21
Fri Mar 17, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 2143

Re: Quiet Bedroom overhead fan

Hi, I cannot recommend a specific brand but I highly recommend you get a DC Motor Fan. These are more expensive but have two big benefits: 1) They are virtually silent. I have no idea (from noise) that my fans are on. The DC Motor is just silent. 2) They are far more powerful. Why is that important...
by flossy21
Fri Mar 17, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 61
Views: 7641

Re: Endless Job Interviews (with same company)

I have been through 4 rounds of interviews with the same potential employer and now they want to set up another interview (with the same people). This tells me that either: a) they are indecisive, b) they have concerns about my qualifications, c) they are stringing me along as a backup until they c...
by flossy21
Thu Mar 16, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Shingle concerns with relatively new build *updated 4/14
Replies: 22
Views: 2820

Re: Shingle concerns with relatively new build

Shingles have an adhesive stip of tar like substance that is either on the front or back of each shingle. The idea being that the warmth of the sun will melt this adhesive and bond the overlapping shingles to each other. Here's an article that discusses the issue... https://www.nachi.org/asphalt-com...
by flossy21
Wed Mar 15, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 3740

Re: Relocation to Milwaukee

I have a potential job offer in Milwaukee area. While researching, I found the state income taxes are high. Housing is pretty expensive too - about $200/sqft for newer construction. Am currently in a no income tax state. I can expect a 10% raise in base pay. Long term opportunities seem better at t...