Search found 827 matches

by user5027
Tue Nov 05, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Job change + high healthcare costs = pay deductible twice?
Replies: 17
Views: 1149

Re: Job change + high healthcare costs = pay deductible twice?

Isn't COBRA very expensive? Cost likely more than the deductible? COBRA is usually 102% of the current premium (employer + employee portions). Depends on how good (Cadillac or Volkswagen) the plan is. If you waive your new employer's coverage to stay on COBRA, make sure you can go on the employer's...
by user5027
Fri Oct 25, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: Where do you buy eyeglass frames online?
Replies: 16
Views: 1321

Re: Where do you buy eyeglass frames online?

Payne Glasses. Zenni could not fill my prescription in the lenses I wanted.
by user5027
Fri Oct 11, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Seller misrepresented fulfillment of defect fixes - next steps? sue?
Replies: 55
Views: 5057

Re: Seller misrepresented fulfillment of defect fixes - next steps? sue?

I'm kind of set on having messy wood burning fires. I am curious about options that allow for both - hrm, seems unlikely that such a thing really exists. Consider a wood burning stove that vents through an insulated metal liner installed in the chimney. We had one before switching to a gas stove th...
by user5027
Fri Sep 13, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Kitchen drawer slide hardware recommendations needed
Replies: 17
Views: 1087

Re: Kitchen drawer slide hardware recommendations needed

Bought four Accuride 1029 Center Mount Slides 23" from cabinetparts.com in January 2015 and they worked like a charm.
by user5027
Mon Sep 02, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Cash & Checkbook Register Reconciliation
Replies: 83
Views: 5178

Re: Cash & Checkbook Register Reconciliation

And I would not find folders of PDF's from different credit cards to be very searchable for vendor or category. I use the File Explorer in Windows to search by vendor on the pdfs of my monthly credit card statements. I just did it yesterday to find a deposit paid for my daughter's wedding reception...
by user5027
Sun Sep 01, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6524

Re: Did humanity ever make good Gas cans

I definitely noticed a change in quality when they started making the no-drip types. I got so frustrated with certain models, I just threw them away. Although years have passed, and I think they've worked the bugs out for the most part, I would offer the following product suggestion: Eagle UI-50-FS...
by user5027
Sun Sep 01, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Improving soft skills
Replies: 35
Views: 3395

Re: Improving soft skills

galving wrote:
Sun Sep 01, 2019 8:18 am
Dale Carnegie - How to Win Friends & Influence People
It worked for Warren Buffett and Charles Manson.... :shock:

https://en.wikipedia.org/wiki/How_to_Wi ... ar_culture
by user5027
Sat Aug 31, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Cash & Checkbook Register Reconciliation
Replies: 83
Views: 5178

Re: Cash & Checkbook Register Reconciliation

Since 2005 I've kept a check register on excel and reconciled it against my monthly bank checking account statement. I actually reconcile it against my online bank account just about every time I log in to the bank account and stop on the monthly cut-off date. When the statement is available the rec...
by user5027
Fri Jul 19, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: Login for citicard-Citibank [login problems]
Replies: 19
Views: 1606

Re: Login for citicard-Citibank [login problems]

I've had problems too. Try clicking your browsers "Go Back" button. That has worked for me.
by user5027
Tue Jun 18, 2019 7:19 am
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 4671

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

I tried Zenni for my last pair and they could not fill my script in progressives. I wound up buying them at Payne Glasses online. Offering that in case anyone has the similar problem.
by user5027
Sat May 25, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Basement flooded, insurance not wanting pay
Replies: 13
Views: 2401

Re: Basement flooded, insurance not wanting pay

Do you have flood insurance? Won't that pay for the water "coming up from the ground" (or however it is worded)? But it won't pay for furnishings, unfortunately. Flood insurance will not pay for any finishes or contents in a basement. It will pay for mechanical equipment (furnace, hot water heater,...
by user5027
Fri May 24, 2019 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Whaddyagunna do? 7 months and still no safety deposit box inventory!
Replies: 6
Views: 1991

Re: Whaddyagunna do? 7 months and still no safety deposit box inventory!

Can't speak to the law in NJ.

In PA my parents had a joint safe deposit box. Mom was advised by the branch manager to close the safe deposit box after Dad died. Mom was told if she died the box would be sealed until the contents were inventoried for PA tax purposes.
by user5027
Tue May 21, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Postponing Roth Conversion & receive a larger ACA subsidy
Replies: 22
Views: 1188

Re: Postponing Roth Conversion & receive a larger ACA subsidy

I thought about it but the wife is still working and we are getting our health insurance through her employment for $700 per month making us ineligible for ACA subsidy. I've been doing conversions since I retired in 2014 (2015 on). Once she decides to retire I'll be interested in doing the analysis....
by user5027
Mon Apr 08, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: New homeowner wants to DIY, but disappointed today
Replies: 50
Views: 5434

Re: New homeowner wants to DIY, but disappointed today

I've not read all the replies. During 35 years of home ownership I've learned a few things about plumbing. I'll do simple faucet and toilet repairs, more than that, I save for a plumber. I keep a list of non critical plumber projects and call one when I can get a lot done during one visit and save o...
by user5027
Mon Apr 08, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 3470

Re: Eye glasses - cheaper alternates

JediMisty wrote:
Sun Apr 07, 2019 8:09 pm
That said, I'm going to try the suggestions here for glasses on line. But isn't there an additional measurement needed besides the script? Eye distance or something?
Yes. PD or pupillary distance.

https://www.zennioptical.com/measuring-pd-infographic
by user5027
Sun Apr 07, 2019 8:52 am
Forum: Personal Investments
Topic: Liquidation Strategy
Replies: 11
Views: 1817

Re: Liquidation Strategy

If you are in (and can stay in) the 12% tax bracket, long term gains are not taxed.
by user5027
Sat Apr 06, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 3470

Re: Eye glasses - cheaper alternates

Zenni could not make my glasses in the progressive and transitions lenses that I wanted, due to the strong prescription.

Payne Glasses did...
https://www.payneglasses.com/
by user5027
Tue Apr 02, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Alitalia
Replies: 11
Views: 859

Re: Alitalia

We went to Italy in 2016 and flew two Alitalia short haul routes; Rome to Florence (if I do it again I'd take the train) and Catania to Naples. We boarded in Rome and sat on the plane with no AC while they had problems starting the engines for 30 minutes. The flight attendants started handing out bo...
by user5027
Fri Mar 29, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 87
Views: 6543

Re: What to see in Philly?

SrGrumpy wrote:
Fri Mar 29, 2019 12:00 pm
Are the Rocky steps still there? I thought Frank Gehry was getting rid of them.
Yes the steps are still there. They are the steps up to the Art Museum at the west end of the Ben Franklin Parkway. The Rocky statue is just to the north from the base of the steps.
by user5027
Tue Mar 19, 2019 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Worth claiming life insurance death benefit?
Replies: 31
Views: 3700

Re: Worth claiming life insurance death benefit?

Newspapers.com has a lot of newspapers digitized. You can search name, location and date range and see if you hit an obituary/death or estate notice.

I have a subscription. PM me if you need help.
by user5027
Sat Mar 09, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Experience with battery powered motorized windowshades...
Replies: 4
Views: 423

Re: Experience with battery powered motorized windowshades...

Go solar. We have two velux skylights with solar powered blinds with remotes. They replaced 28 year old skylights 3 years ago and have worked great. Somebody must make the same for windows. May want to check how much sun the collector would see. I googled solar powered window blinds for you... https...
by user5027
Fri Feb 15, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Building a home
Replies: 31
Views: 2710

Re: Building a home

My brother built a home, but his situation is unique. He was an estimator for a site work contractor that worked for many land developers. He had the plans for the developer's model. He bought 10 acres of land, did his own site work (grading, driveway, basement excavation/backfill and septic) and th...
by user5027
Mon Feb 11, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: HELOC issues
Replies: 18
Views: 1770

Re: HELOC issues

I was only hoping someone with firsthand experience could clarify for OP whether or not a construction loan is even an option for a renovation, because I do not believe it is. I'm only familiar with construction loans when they're used to build an entirely new home, but that doesn't mean that's the...
by user5027
Mon Feb 11, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: HELOC issues
Replies: 18
Views: 1770

Re: HELOC issues

You may want to try for a construction loan. Will have a higher rate. It is what builders use during construction. Principal is doled out by bank during the progress. Once completed a mortgage can be obtained to pay off the construction loan. I found myself in a similar situation in 1988 and posted...
by user5027
Thu Feb 07, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: HELOC issues
Replies: 18
Views: 1770

Re: HELOC issues

You may want to try for a construction loan. Will have a higher rate. It is what builders use during construction. Principal is doled out by bank during the progress. Once completed a mortgage can be obtained to pay off the construction loan. I found myself in a similar situation in 1988 and posted ...
by user5027
Fri Jan 25, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Where to stay in Naples, Italy and along Amalfi coast
Replies: 36
Views: 2240

Re: Where to stay in Naples, Italy and along Amalfi coast

Stayed at Monastero Santa Rosa on the Amalfi coast. http://monasterosantarosa.com/ Our Italy trip was partially with our son and daughter in law. We flew JFK - Dublin - Rome and connected to Florence (would take the train to Florence if we did it again). Spent three days in Florence and took the tra...
by user5027
Tue Jan 22, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Greenland: Disko Bay, Ilulissat (and Arctic Umiaq'a Sarfaq Ittuk)
Replies: 15
Views: 818

Re: Greenland: Disko Bay, Ilulissat (and Arctic Umiaq'a Sarfaq Ittuk)

This thread gave me a chuckle. In 1984 I worked at Dye 3 Greenland. Travel was by MAC C-141 from McGuire AFB to Sondrestrom AB on the west coast of Greenland. From there it was either NY ANG C-130 or Greenland Air Twin Engine Otter both equipped with skis to land on the icecap at Dye 3. At the time ...
by user5027
Mon Jan 21, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 15202

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

I have always tried to wear cotton clothes when flying. I have heard that polyester will melt in high heat and stick to your skin. Think of burning jet fuel. Just trying to give myself a chance as slim as it may be. :shock:
by user5027
Sun Jan 06, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take inheritance into account when calculating net worth?
Replies: 68
Views: 5790

Re: Do you take inheritance into account when calculating net worth?

I've posted before...

I am reminded of the joke about the guy bragging to his date that he will be coming into a sizable inheritance when his old sick father dies. The date quickly runs off and marries his father.
by user5027
Thu Jan 03, 2019 9:53 am
Forum: Personal Investments
Topic: Vanguard Returns Extremely Disappointed
Replies: 44
Views: 5411

Re: Vanguard Returns Extremely Disappointed

This thread reminds me of a book of Aesop's Fables that I had as a child. The Dog With the Bone meant alot to me and I found it on youtube...
https://www.youtube.com/watch?v=QpWKBBDyiqo

Now I need to find the book for my granddaughter.
by user5027
Wed Dec 12, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 6967

Re: Early retirement mistakes???

How the little projects around the house take longer to get done. When I was working I would plan everything out beforehand, get all the materials and tools together (often before the weekend) and work like crazy all weekend so it was done before heading back to work on Monday. Now it is too hot, to...
by user5027
Sun Dec 09, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4666

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

Back in the 1970's they worked in construction. The summer after 7th grade, my math teacher was framing houses on our block. I remember riding my bicycle and saying hi to him as he was carrying lumber, wearing a carpenter's belt and a pencil tucked behind his ear.

Thanks for the memory. :beer
by user5027
Fri Dec 07, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: Why are market corrections "healthy"?
Replies: 27
Views: 2290

Re: Why are market corrections "healthy"?

Think of it as being on a bland diet to avoid irrational exuberance. :D
by user5027
Fri Dec 07, 2018 8:52 am
Forum: Personal Investments
Topic: Solid my entire portfolio 12/3/18
Replies: 49
Views: 9102

Re: Solid my entire portfolio 12/3/18

With the sitting on the sideline analogy, I was thinking your cash is singing to you...
https://www.youtube.com/watch?v=pffsACjunAM
by user5027
Wed Nov 21, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Expensive car accident | Watching our for insurance
Replies: 16
Views: 2324

Re: Expensive car accident | Watching our for insurance

masonstone wrote:
Wed Nov 21, 2018 9:23 am
Do you mean she hit a deer? I can’t imagine a dear going fast enough to cause that much damage!
I've had 3 deer hits - all the deer ran into the side or fender. One was totaled. It was to be repaired, mechanic saw more damage after starting and pushed it over the line to totaled.
by user5027
Sun Nov 18, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 8245

Re: Too many choices for my next TRUCK

Congratulations! Wishing you many happy miles. :beer
by user5027
Thu Nov 15, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 32
Views: 2387

Re: Mouse in the house

Thanks all, I think I will start with the snap traps with peanut butter and hold off on the poison carpet-bombing. Attach one end of a piece of wire to the trap and attach the other end to any nearby fixed object. It will avoid finding the trap missing after the customer has tried to wiggle away an...
by user5027
Sat Nov 10, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 8245

Re: Too many choices for my next TRUCK

smitcat wrote:
Fri Nov 09, 2018 9:59 am
I see you are below the typical snow line so snow related weather would not affect your Honda choice.
Huh??? We are between Philly and Allentown PA .... 22 and 33 inch annual average snowfalls respectively.

Both the Audi and Ridgeline are AWD and snow was definitely a factor in our choices.
by user5027
Fri Nov 09, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 8245

Re: Too many choices for my next TRUCK

For the 30th response I'll throw a tangent... Honda Ridgeline. I drove Ford F250's and F350's for 30 years at work. Was given the F350 Supercab I was driving when I retired. Occasionally the wife would have to drive the truck, usually when I was going to the city and took her Audi to avoid parking t...
by user5027
Wed Nov 07, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: How much to donate to local police and fire department?
Replies: 23
Views: 2331

Re: How much to donate to local police and fire department?

I make three annual donations to police and fire departments. We use to donate $50 to the ambulance squad that covered our area when they solicited, before the service was taken over by the local hospital under an agreement with the township. $100 (tax deductible) directly to the volunteer fire depa...
by user5027
Mon Oct 22, 2018 10:17 pm
Forum: Personal Investments
Topic: Suddenly retired...would appreciate asset allocation and withdrawal advice
Replies: 7
Views: 2343

Re: Suddenly retired...would appreciate asset allocation and withdrawal advice

Emergency funds: 6 months Debt: Mortgage $362,000 3.375% 28 yrs to go Tax filing: Married Filing Joint Tax rate: Fed 24% in 2018; 15% in 2019 State: 3.07% State: Pennsylvania Age: His 65 Hers 58 (both retired as of 10/01/2018 Desired Asset Allocation: 50% Stocks / 50% Bonds ? Desired International ...
by user5027
Tue Oct 02, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 5006

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

The thought of prepaying for anything always makes my mind run wild with different outcomes. I wonder if the "premium" is returned when I go lost at sea after falling overboard on a cruise. Nolo Quicken Willmaker has a Final Arrangements document that is helpful in laying out your wishes. I did mine...
by user5027
Sat Sep 01, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Running/Attending 1st Marathon - Philadelphia
Replies: 9
Views: 974

Re: Running/Attending 1st Marathon - Philadelphia

Never did the marathon but one option is SEPTA Regional Rail to Suburban Station and walk up the parkway to where the race starts/ends.
by user5027
Thu Aug 30, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with death and the family finances
Replies: 21
Views: 3160

Re: Dealing with death and the family finances

Sorry for your loss. PA uses paper titles, issued to the owner once any financing is satisfied. It might be in the safe deposit box. I recall in PA you can transfer vehicles between family members without triggering sales tax. Auto tag place or AAA will know process/forms. You may want to consider c...
by user5027
Wed Aug 01, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 2071

Re: Why is new strip of lawn different color?

Check for a septic tank or field.

In 1976 Erma Bombeck wrote a book about suburban living titled "The Grass is Always Greener over the Septic Tank."
by user5027
Sun Jul 29, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Any problems with freezer "drawer" models
Replies: 40
Views: 3155

Re: Any problems with freezer "drawer" models

retiredjg wrote:
Sun Jul 29, 2018 12:15 pm
the French doors sometimes don't close on their own
This is usually due to the unit leaning forward and can be solved by tilting the unit backwards slightly by raising the front legs and/or lowering the rear legs.
by user5027
Sun Jul 29, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Any problems with freezer "drawer" models
Replies: 40
Views: 3155

Re: Any problems with freezer "drawer" models

Bought a Maytag MBF1956KEQ Bottom Mount Refrigerator (bottom freezer drawer) in June 2009 and have been very pleased with it.
by user5027
Sat Jul 28, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: EMV Chip + Pin priority credit cards available in the USA?
Replies: 11
Views: 1197

Re: EMV Chip + Pin priority credit cards available in the USA?

whodidntante wrote:
Sat Jul 28, 2018 10:51 am
"Target Credit Card can only be used at Target stores and on Target.com"

That's from the application. If true, the red card is not an option at all.
That is true. I called them a few years ago about using the red card overseas and they said it is for use in Target stores only.
by user5027
Sat Jul 28, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Plumbing emergency: Guillens for parts? Has anybody used?
Replies: 14
Views: 1160

Re: Plumbing emergency: Guillens for parts? Has anybody used?

Do you have an old fashion "supply house" near by? I've one about 11 minutes away... http://www.finkles.com/ A visit is a trip back in time. It has wooden floors and when you walk in the door you take a reusable number (not a piece of paper). Someone has to help you as everything is shelved floor to...