Search found 3759 matches

by carolinaman
Thu Sep 19, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2208

Re: Blue Apron for a sick friend?

So many restaurants do takeout and some do delivery. A better option might be a VISA gift card they can use for the food of their choice. We have started doing that with people in our Sunday School class. It is convenient and gives them the choice of what they want.
by carolinaman
Thu Sep 19, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Cheaper option than redoing hardwood floors?
Replies: 27
Views: 2211

Re: Cheaper option than redoing hardwood floors?

Thank you for all the replies. Now my wife is saying that she would be fine with just touching up the few areas that are more scratched up than others. Is that possible? Can you fix parts of a hardwood floor without redoing the whole thing? Again, new homeowner that knows nothing, so I appreciate t...
by carolinaman
Thu Sep 19, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Cheaper option than redoing hardwood floors?
Replies: 27
Views: 2211

Re: Cheaper option than redoing hardwood floors?

Agree with another poster - get more estimates. We paid less than $3/sqft but didn't stain after sanding. It is quite a process to get it all done (the rooms have to be empty and you have to be out of the house for several days to allow the coats of polyurethane to dry) but if you plan on staying i...
by carolinaman
Thu Sep 19, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Mid-Century Sofa - Quality of Online Brands / Midrange Chains
Replies: 19
Views: 1065

Re: Mid-Century Sofa - Quality of Online Brands / Midrange Chains

I am not familiar with those brands. Some of the best upholstered furniture is made in NC. Sherrill is a good mid priced manufacturer that makes nice upholstered furniture. We have a sofa and chair in our living room we bought 11 years ago that still looks and sits good. Two places to check for this...
by carolinaman
Mon Sep 16, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4310

Re: Seasoned retirees...

You and your spouse will not get healthier as you age. Therefore, be sure to do trips and activities while you can. You never know when some physical limitations will pop up that prevent you from doing those trips you dreamed of doing. DW and I have done several cross country auto trips to Western s...
by carolinaman
Mon Sep 16, 2019 8:13 am
Forum: Personal Investments
Topic: What’s the best way to respond?
Replies: 14
Views: 1642

Re: What’s the best way to respond?

It’s not a bad idea to refer the couple to this forum since they are looking for advice. The asking portfolio questions gives use the full picture so we can provide better advise. Vanguard PAS is another great resource. This is great advice. You can assure your friends that those who post here have...
by carolinaman
Mon Sep 16, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Do I Need a Real Estate Agent if Building a Home?
Replies: 12
Views: 1436

Re: Do I Need a Real Estate Agent if Building a Home?

Hello- my fiancee and I are currently looking to buy a house and have been working with a real estate agent for about 4 months. While we have seen a handful of houses so far, we have not found anything close to what we are looking for. We are looking for a very specific look and features of a home ...
by carolinaman
Sun Sep 15, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Senior fell in major store
Replies: 25
Views: 3045

Re: Senior fell in major store

Sept 15 I fell inside a nationwide store about 24 hours ago, doing bodily damage. I did report it, but I also hope rest will take care of injured parts, said that at least twice. No medical assistance was called, but I was unable to continue shopping. They helped get a couple of things for me. I ca...
by carolinaman
Sat Sep 14, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 3779

Re: Best Leaf Blower?

I too have a large lot with many trees. Leaves are a huge chore in the Fall. For many years, I used a nice hand held Echo more ideally suited for a smaller yard. I finally bought an Echo backpack blower 3 years ago. The difference is amazing. I can do yard easily in less than an hour and push everyt...
by carolinaman
Sat Sep 14, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: High-dollar Plumbing Issue Decision
Replies: 21
Views: 2983

Re: High-dollar Plumbing Issue Decision

With 5 bids and one bid so much lower, it immediately raises red flags. Personally, I would delete it. Either the plumber does not know what he is doing or he does know what he is doing and you do not know! My IT dept did lots of competitive bids for products and services. Whenever we saw a bid scen...
by carolinaman
Sat Sep 14, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Advice on southern Italy trip November
Replies: 16
Views: 1160

Re: Advice on southern Italy trip November

It sounds like a great trip. I hope you enjoy it!

Check www.tripadvisor.com for advice. They have locals and expert travelers who can provide advice on almost any destination.
by carolinaman
Sat Sep 14, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Kitchen drawer slide hardware recommendations needed
Replies: 17
Views: 1012

Re: Kitchen drawer slide hardware recommendations needed

Our son installed soft slide hardware on our drawers years ago. I do not know the brand but they worked well. Later we remodeled kitchen with new cabinetry with soft slide that is great. Sorry I do not know the brand.
by carolinaman
Sat Sep 14, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Living Expense Equity State-To-State
Replies: 13
Views: 948

Re: Living Expense Equity State-To-State

We are long time NC residents but I have paid taxes in SC for property and sale of property and our daughter has lived there for 24 years, so I am familiar with their tax bite. Overall, SC seems better from tax and regulatory basis and for us, culturally too (YMMV)
by carolinaman
Sat Sep 14, 2019 9:32 am
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 121
Views: 5103

Re: Vanguard is Falling Behind Compared to Fidelity

First the website / app experience is night and day different. Fidelity absolutely places emphasis on the UI. Vanguard isn’t even in the 20th century in terms of technology yet. Somehow I think Vanguard's website is at least in the 20th century in terms of technology. :mrgreen: :P By definition, th...
by carolinaman
Fri Sep 13, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: Selling concert tickets on StubHub (or other platforms)?
Replies: 4
Views: 376

Re: Selling concert tickets on StubHub (or other platforms)?

I have sold NFL tickets a lot on stubhub. Since I was not selling to make a profit I would offer my tickets at an attractive price. Not the lowest price relative to my seats but a price that should attract serious buyers. Put yourself in the shoes of buyers. Based upon the available tickets, what is...
by carolinaman
Thu Sep 12, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Right questions to ask before joining a start up?
Replies: 16
Views: 1251

Re: Right questions to ask before joining a start up?

Great feedback from all the posters. I would really hammer away on the character of the founders. My best advice: Be a quiet, silent, stealth detective on the founders of the company. Study their LinkedIn profiles, and look for any information on Google such as lawsuits, arrests, etc. Check out the...
by carolinaman
Tue Sep 10, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Right questions to ask before joining a start up?
Replies: 16
Views: 1251

Re: Right questions to ask before joining a start up?

You need to understand their business plan. What is their product or service and why do they think it will be successful? What is their target market and major competitors.? What is the experience of the principals? Have they ever done this before? How and by whom are they being funded? Do they inte...
by carolinaman
Tue Sep 10, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: I'm gonna need a bigger TV...
Replies: 36
Views: 4290

Re: I'm gonna need a bigger TV...

Don't worry about an extended warranty on a TV, electronics that are going to fail typically fail within the first 90 days. The repair rate on electronics past a year is almost zero so 2 and 4 year warranties really don't matter. You do not need a $2,500 tv to watch sports, any modern 4K TV from an...
by carolinaman
Tue Sep 10, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 3790

Re: Costco washer/dryer delivery: tipping?

Just got delivery of an expensive recliner this AM. I am restricted from lifting for a while after surgery last week, so I had them move another chair to make room for it. There were 3 of them and I gave them $20 total. They were very appreciative. Also, they will be coming back next month with anot...
by carolinaman
Mon Sep 09, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Leather Furniture Expo, Anyone buy from them?
Replies: 6
Views: 561

Re: Leather Furniture Expo??

I am not familiar with this company. Another company to consider is this online leather furniture retailer: https://fineleatherfurniture.com/ (Wellington's Fine Leather Furniture). They are well known in the Carolinas and had a retail store in Blowing Rock for years. They provide quality leather fur...
by carolinaman
Mon Sep 09, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 3790

Re: Costco washer/dryer delivery: tipping?

I had white coat delivery for an expensive adjustable bed that required some fairly involved assembly. It was too heavy for me to manage. I had low expectations for these 2 guys but they did an amazing job putting everything together. I was expecting to have to get my son to finish the job, but that...
by carolinaman
Mon Sep 09, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Hard Life Changes - Help With Looking For Employment After 10 Years
Replies: 38
Views: 3814

Re: Hard Life Changes - Help With Looking For Employment After 10 Years

If you can find a good executive search firm, they should be able to advise you of best options and could also help find suitable jobs for you. I would ask friends and trusted business contacts for recommendations. Your background would enable you to do different things so you should have some optio...
by carolinaman
Mon Sep 09, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: I'm gonna need a bigger TV...
Replies: 36
Views: 4290

Re: I'm gonna need a bigger TV...

Our main TV is a high end Sony we paid $2k for on sale last year. It is not working at moment and waiting on part for repair (TV repair guy said this was very unusual to have problem so soon). In interim I bought a Samsung 49" D60 at cost of $750. I am surprised but the picture quality is almost the...
by carolinaman
Mon Sep 09, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Retirees: Ever feel really lazy?
Replies: 42
Views: 5247

Re: Retirees: Ever feel really lazy?

I have to stay busy. Of course I no longer have those 10 to 12 hour pressure packed days when I worked, but I have to be doing things I deem productive every day. This week has been hard on me because I am recovering from surgery and have to limit my activities. But I am doing what I can within the ...
by carolinaman
Thu Sep 05, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Some Computer Science Career Advise?
Replies: 56
Views: 4638

Re: Some Computer Science Career Advise?

"Holding a gun to their head" is how your company will perceive this, regardless of how it is presented. I have done this and had it done to me numerous times as a manager and director. I can only think of two instances where the person stayed more than a year or so. My recommendation is to either t...
by carolinaman
Thu Sep 05, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Are you thinking about having a home healthcare aide instead of moving to a retirement home?
Replies: 33
Views: 2368

Re: Are you thinking about having a home healthcare aide instead of moving to a retirement home?

We are finishing up a home renovation that has a side benefit of making our home suited to such a setup, hopefully years away (or not required). Our bedroom could be moved to a downstairs bedroom with an en-suite bathroom with walk-in (or ride-in) shower for one floor living. Stairless access from ...
by carolinaman
Thu Sep 05, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Changing password, necessary on private network?
Replies: 8
Views: 520

Re: Changing password, necessary on private network?

My understanding of current best practices is that it's a bad idea to require users to change their passwords regularly, in part because it encourages users to set less secure passwords. Better to make them set good passwords and not use the same password on multiple sites. For example, https://www...
by carolinaman
Thu Sep 05, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Plan Annuity Offers and COLA dilemma
Replies: 6
Views: 641

Re: Pension Plan Annuity Offers and COLA dilemma

I would not do the COLA. It may be actuarial equivalent but seems excessive to me. You stated you have other investments and you could invest those in equities or other investments that track the CPI reasonably well which reduce your inflation risk. One thought is to do the non COLA and invest the d...
by carolinaman
Fri Aug 30, 2019 3:12 pm
Forum: Personal Investments
Topic: $1,000 a month or $180,000 Pension Question
Replies: 55
Views: 5655

Re: $1,000 a month or $180,000 Pension Question

Retiring at such a young age, you could draw pension for 40 to 50 years which is great. However, the inflation impact will be huge in the later years if you do not get any COLAs. I retired 11 years ago and our NC pension has paid a total of 1% COLA in that time and future COLAs are doubtful. This is...
by carolinaman
Fri Aug 30, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Electric razors
Replies: 25
Views: 2037

Re: Electric razors

When you have a fresh head (blade) in an electric razor, they do great. But it will degrade over time and have to be replaced. I have used a Braun 7 for several years. I replace head about every 9 months at cost of $30+. Braun recommends replacing very 18 months. I am assuming model you used is simi...
by carolinaman
Wed Aug 28, 2019 1:32 pm
Forum: Investing - Theory, News & General
Topic: What are the disadvantages of tilting away from biggest sectors?
Replies: 18
Views: 917

Re: What are the disadvantages of tilting away from biggest sectors?

Perhaps a simpler approach would be to reduce your equity exposure and invest more in bonds. This could reduce your exposure to market corrections. I too get uncomfortable with tech industry having such a heavy slice of the indices but tech is a strong growth engine for the economy, so it is likely ...
by carolinaman
Wed Aug 28, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 213
Views: 12636

Re: What is your plan for the last few years of a long life?

Our SS and pensions are covering all of our living expenses now with a little left over (ages 74 and 76). So far we have not used our savings. It is low 7 figures, so we should have no worries. I looked at LTC prior to retirement but concluded that we can and should self insure. A lengthy stay in nu...
by carolinaman
Mon Aug 26, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Truecar for Used cars?
Replies: 12
Views: 1097

Re: Truecar for Used cars?

I am not familiar with Truecar. We used Cargurus last fall to find a late model truck. I liked their ability to find good trucks and prices. We wound up with a very creditable dealer about 100 miles away and got a super deal. I am not sure how their service might work with low priced vehicles. You h...
by carolinaman
Sat Aug 24, 2019 7:50 am
Forum: Personal Investments
Topic: Take projected taxes into account when calculating AA?
Replies: 7
Views: 455

Re: Take projected taxes into account when calculating AA?

I calculate it both ways. The difference right now is not that significant. However, as I accumulate more in taxable the difference will become more significant, and I will have adjust accordingly. It is simple to track both by using a spreadsheet and update periodically (I update it every month).
by carolinaman
Sat Aug 24, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: iphone battery issue?
Replies: 32
Views: 1502

Re: iphone battery issue?

Sounds like just a function of a 5 year old phone as far as the short battery life goes. My Iphone 4 is like this now (I don't use as phone anymore). I never had an overheating problem assuming you do not have a case. If you have a case, overheating was common on my 4 once it got old (don't have a ...
by carolinaman
Sat Aug 24, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 948
Views: 100008

Re: What frugal thing did you do today?

I went to Costco yesterday and discovered the Dyson Vacuum clean I bought last month for $339 was on sale for $279. I went home and got my receipt and returned and got a credit for $64 based on their lowest price guarantee. Costco is so easy to deal with in matters like this.
by carolinaman
Fri Aug 23, 2019 8:51 am
Forum: Personal Investments
Topic: Mom-in-law divorced at 67, investment plan advice
Replies: 26
Views: 3170

Re: Mom-in-law divorced at 67, investment plan advice

PartIrish wrote:
Thu Aug 22, 2019 3:24 pm
If your MIL was married for at least 10 years, might her ex-spousal social security benefit be higher than her current benefit?
+1. My thoughts as well.
by carolinaman
Fri Aug 23, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Dealer asking to re-sign
Replies: 45
Views: 4344

Re: Dealer asking to re-sign

I had to do this one time. We bought a new car. The dealer had to get it from another dealer. It wound up being sold to someone else by the other dealer. The dealer found another car identical to it. Since VIN was different, all the paperwork had to be redone. A time consuming pain, but otherwise no...
by carolinaman
Fri Aug 23, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6024

Re: Physician quality and experience

I would find another doctor who has more experience. This new doc may be fine in time but I would not take the risk. It sounds like with your rare condition you need to find someone who has experience treating it.
by carolinaman
Fri Aug 23, 2019 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Giving 2 weeks notice with a non-compete
Replies: 14
Views: 1887

Re: Giving 2 weeks notice with a non-compete

You may want to do some research to see what the legal status of non-compete agreements is in your state. Many employers ask employees to do, or not do, certain things that might be prohibited by state law. Many times employees comply with these requests thinking the employer must know what they're...
by carolinaman
Fri Aug 23, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: LG oled C9 or LGSk8000 for now
Replies: 17
Views: 930

Re: LG oled C9 or LGSk8000 for now

Black Friday is only 3 months away. So it may be worthwhile to wait and purchase an LG OLED model at that time. I try to get the best picture that I can when I buy a TV, and keep it for 10 years or longer. But that is really a value proposition that you need to decide: a good, but not great TV at a ...
by carolinaman
Thu Aug 22, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 70
Views: 8111

Re: Anybody else enjoy sitting around and doing little in retirement?

One of my uncles lived to age 86 and worked until a few months before his death. I asked him why he continued to work. He said that if he watched TV all the time or sit on his porch doing nothing he would go nuts. I am afraid the same thing would happen to me if I do not maintain an active lifestyle.
by carolinaman
Thu Aug 22, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Buying used car (another one of those threads!)
Replies: 21
Views: 1295

Re: Buying used car (another one of those threads!)

I am not a fan of the Corolla, Elantra or Civic. They are all small cars that are noisy with a rough ride. I would consider looking at Camry, Sonata and Accord and see what late model used ones go for. I do not believe the Sonata holds its value as well as the other two, but compared to the compacts...
by carolinaman
Thu Aug 22, 2019 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 70
Views: 8111

Re: Anybody else enjoy sitting around and doing little in retirement?

I have been retired 9 years (age 74). I am kind of the opposite of the OP. I do volunteer work for my church, serve as treasurer for a retiree group, do work around the house, exercise and the list goes on. I have much more free time than when I was working but I want to counterbalance that with act...
by carolinaman
Wed Aug 21, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: Should I paint dark brown wainscotting?
Replies: 33
Views: 2135

Re: Should I paint dark brown wainscotting?

edge wrote:
Tue Aug 20, 2019 2:28 pm
If you paint, use a high quality primer. Don’t get cheap.

I prefer Benjamin Moore primers (ie fresh start).
I agree. Also, use a roller that is specific for wood. This eliminates brush marks and looks much better.
by carolinaman
Tue Aug 20, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Pay cut to take a federal job?
Replies: 26
Views: 2862

Re: Pay cut to take a federal job?

If you are looking for challenge, you may wanna avoid federal job. You will not be challenged there. As a blanket statement, that simply is not true. Job satisfaction is dependent on your occupation and the agency that you work for. I agree. I left a SrVP role with a young IT company for a senior p...
by carolinaman
Mon Aug 19, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Real Life Experience. Applying for Medicare
Replies: 9
Views: 803

Re: Real Life Experience. Applying for Medicare

Going through this process can be challenging, especially if you work past 65 and use special enrollment. Congratulations on getting through the maize. As someone else mentioned, you should check out Part D - prescriptions. Meds can get pretty expensive, especially if you take premium drugs or speci...
by carolinaman
Mon Aug 19, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Fallen Tree clearing
Replies: 27
Views: 1742

Re: Fallen Tree clearing

I had someone dump a load of cut hardwood onto my property. FWIW, the police told me that is a felony but did not have enough info to catch the culprit. I had a really hard time finding someone to haul it off without charging me although the wood was already cut (but not split). Apparently, in our a...
by carolinaman
Mon Aug 19, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: How to read (and retain)?
Replies: 90
Views: 5201

Re: How to read (and retain)?

Thank you for the suggestion. I'll start writing things down, even if they slow me down to an extent. If the objective is to retain key information from what you read, writing things down is not slowing you down . It is necessary. You can also use highlighter on key points and tabs on sections to h...
by carolinaman
Mon Aug 19, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Go for new job (more pay but travel) or stay?
Replies: 65
Views: 3700

Re: Go for new job (more pay but travel) or stay?

I would not take the job for the extra pay. It is simply not worth it for all the reasons other posters have cited. The increased exposure to company execs and the advancement opportunities this might create are intriguing. Do you have any sense of the likelihood of this new job leading to further a...