Search found 352 matches

by boglegirl
Tue Dec 01, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Food Safety -- Let Me Have It!
Replies: 28
Views: 2683

Re: Food Safety -- Let Me Have It!

... Update: Two hours ago, I browned and seasoned six of the suspicious pork chops, put them in bakeware with sliced onions and cream of mushroom soup, in the oven at 275 degF. Aroma in the house is incredible. I am feeling lucky......stay tuned. How were the pork chops and are you still alive? :D
by boglegirl
Wed Nov 25, 2020 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: What recourse do I have when a gym bills me after cancellation?
Replies: 26
Views: 2850

Re: What recourse do I have when a gym bills me after cancellation?

I wanted to give an update - looks like this is resolved!

The billing company responded to my CPFB complaint saying "Effective November 19, 2020, Ms. Boglegirl’s account has been cancelled with nothing further due."
by boglegirl
Fri Nov 13, 2020 9:52 am
Forum: Personal Finance (Not Investing)
Topic: What recourse do I have when a gym bills me after cancellation?
Replies: 26
Views: 2850

Re: What recourse do I have when a gym bills me after cancellation?

Thanks for all the replies. I'm considering all the advice received. And I laughed out loud at this one: I live for in person confrontations when I have the documentation to prove I am correct. So far the only additional action I've taken, based on the FTC link provided by LadyGeek, is filing a comp...
by boglegirl
Wed Nov 11, 2020 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: What recourse do I have when a gym bills me after cancellation?
Replies: 26
Views: 2850

Re: What recourse do I have when a gym bills me after cancellation?

Godot wrote: Wed Nov 11, 2020 4:57 pm Have you gone to the gym in person to contest the bill, or is the gym closed during COVID?
It is now re-opened. I was hoping to avoid an in-person confrontation, but perhaps speaking calmly but loudly (everything is in an open area so voices carry) would get results.
by boglegirl
Wed Nov 11, 2020 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: What recourse do I have when a gym bills me after cancellation?
Replies: 26
Views: 2850

What recourse do I have when a gym bills me after cancellation?

I have proof that I canceled a gym membership. They continued to bill me so I put a block on their access to my account. For 2 months I've been receiving increasingly harassing emails from their billing company. (TIME IS RUNNING OUT , etc etc). They also robocall me although I think I've blocked the...
by boglegirl
Sat Nov 07, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: Wall Street Journal $4 per month
Replies: 22
Views: 3004

Re: Wall Street Journal $4 per month

I got a pop up offer while at the wsj site...$1 week for 12 weeks. choice of digital, print, or digital and print. Havent been back to sign up yet. You can almost always get this deal through any of the shopping portals, if bonuses & air miles etc are your thing. For example, right now the Sout...
by boglegirl
Sat Nov 07, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP/HSA vs PPO (Med FSA)
Replies: 8
Views: 609

Re: HDHP/HSA vs PPO (Med FSA)

... We each have our own employer plans, but she may move to mine on special enrollment at time of pregnancy. ... Does you enrollment paperwork address eligibility for a spouse who has their own employer coverage? I'm pretty sure my husband's employer would not allow him to add me as a dependent if...
by boglegirl
Thu Nov 05, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 128
Views: 9235

Re: Does anyone have a dishwasher they recommend?

Bosch is the approved dishwasher brand for Bogleheads. Just fill out a BH1010W - Requisition for New Dishwasher form and file it with the proper signatures online. Once approved, you can go buy your dishwasher at the Boglehead approved retailer, Costco. ... Costco doesn't carry Bosch dishwashers......
by boglegirl
Thu Nov 05, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Helping someone with abysmal credit and finances
Replies: 44
Views: 2837

Re: Helping someone with abysmal credit and finances

.... Settling with creditors is almost always when you are way behind on payments with no current payments in months. Creditors have no incentive to settle if you are current. I made an assumption she was delinquent on some of her debt as the OP said "I expect its really bad with one or more &...
by boglegirl
Thu Nov 05, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Helping someone with abysmal credit and finances
Replies: 44
Views: 2837

Re: Helping someone with abysmal credit and finances

... Agree that a "Dave Ramsey" type approach towards debt is appropriate, but there may be low hanging fruit that can pare down the debt to a more managable level. For example, if there's $20,000 in credit card debt, but only $8,000 in principle and the remaining $12,000 was incurred at 2...
by boglegirl
Thu Nov 05, 2020 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Typical cleaning expenses after rental lease?
Replies: 31
Views: 2648

Re: Typical cleaning expenses after rental lease?

$780 for 2 separate cleaning companies and the landlord's time to clean an already clean house?! That's insane (unless you left grime and piles of trash everywhere!). I agree with the others that this is worth pursuing in small claims court. The fact that they haven't been timely per the 21-day law,...
by boglegirl
Sun Oct 25, 2020 5:44 pm
Forum: Personal Consumer Issues
Topic: Got Samsclub membership -- give me your best tips!
Replies: 50
Views: 4065

Re: Got Samsclub membership -- give me your best tips!

Prime beef (especially packer brisket if you have a smoker) Plus Sam's doesn't "mechanically tenderize" their steaks like Costco does, so you can safely cook it rare to medium-rare. We stopped buying beef at Costco because of this (mechanically tenderized steaks should be cooked to an int...
by boglegirl
Mon Sep 21, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: Camping Lantern
Replies: 44
Views: 2479

Re: Camping Lantern

I'm sorry I don't have a specific answer to your question, but I can tell you that most of the ones on Amazon will be garbage. We bought small LED lanterns powered by batteries that had 5 stars, that were complete junk. I suggest using a review checker such as fakespot.com and reviewmeta.com to chec...
by boglegirl
Mon Sep 21, 2020 6:41 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 19675

Re: Is Costco worth the $120 membership?

... Right, there's no trade off between CC rewards and Costco $120 membership cash back. We get 5.25% CC cash back on Costco spending by buying Costco Shop Cards as 'online shopping' with BOA Cash Rewards card (v no annual fee), then 2% more from Costco (v the extra $60+tax for the $120 membership)...
by boglegirl
Mon Sep 21, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 19675

Re: Is Costco worth the $120 membership?

If you already don't think it's worth it after signing up, you should cancel it, or at least downgrade to the regular $60 membership. With a family, it has definitely been worth it to us over the years because of the savings on food and gas and household items. We upped to the executive membership a...
by boglegirl
Wed Sep 09, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: Help me choose 2 audible books!
Replies: 32
Views: 1599

Re: Help me choose 2 audible books!

anon3838 wrote: Mon Sep 07, 2020 11:31 pm ...
The Dutch House by Ann Patchett
...
The Dutch House was amazing on audio. I then read the book and I could hear Tom Hanks' voice in my head!
by boglegirl
Wed Sep 09, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: Credit Card Charge Dispute Who Generally Prevails?
Replies: 51
Views: 3814

Re: Credit Card Charge Dispute Who Generally Prevails?

I recently had two, both over $1,000, both related to Covid cancellations, and the credit card company sided with the vendors in BOTH cases. I was really shocked about the one (a concert that was cancelled). Wow - what is the vendor planning on doing? Are they holding a credit for you, pending a re...
by boglegirl
Wed Jun 24, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10651

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

This is not new for COVID. We knew a realtor about 18 years ago who said, "If you don't have a pre-approval from a bank you don't get in my car." She was very successful, and too busy to ferry around buyers/lookers who weren't serious enough or qualified enough to get a bank to give them a...
by boglegirl
Thu May 28, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: Non-response from company re: door purchase
Replies: 5
Views: 656

Re: Non-response from company re: door purchase

Shout out to boglegirl for her answer! I called the credit card company, and despite the fact that I made the purchase last October they are disputing it for me and will refund the amount. I hadn't even thought of doing that!! Thanks boglegirl!!!! Great! I know you want the door, so maybe this will...
by boglegirl
Wed May 27, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: Non-response from company re: door purchase
Replies: 5
Views: 656

Re: Non-response from company re: door purchase

You're outside a credit card charge back window (if you even used one). Next and only step if they won't answer the phone is small claims court. If they produce your door drop the suit. Many cc companies will allow chargebacks outside the 60-day window. OP, I hope you paid with a credit card. If so...
by boglegirl
Wed May 27, 2020 4:35 pm
Forum: Personal Consumer Issues
Topic: Homemade Salad Dressing
Replies: 51
Views: 3269

Re: Homemade Salad Dressing

Firemenot wrote: Wed Apr 01, 2020 9:09 pm ... Generally 2 parts vinegar to 1 part olive oil. ...
Really? Most recipes flip that ratio. That's the great thing about homemade dressing. :D We all get to make it exactly as we like it!
by boglegirl
Wed May 27, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7871

Re: does anyone have a subscription to youtube tv?

... I too vastly prefer watching prerecorded tv, which is one big reason commercials are anathema to me and the ability to eliminate or minimize them is a priority for whatever streaming system I end up using. ... Yep. I keep seeing references to how annoying commercials are that refer to "the...
by boglegirl
Wed May 27, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 96
Views: 7039

Re: What will you NOT buy online?

Prescription meds. ... I tried meds online but they kept sending the wrong thing (not Amazon, it was a mail-order pharmacy picked by my employer's health plan. I once was a nurse and distrust every med automatically until examined carefully -- nothing personal, that's what I learned to do and it is...
by boglegirl
Wed May 27, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4780
Views: 1296812

Re: What Book Are You Currently Reading? Part VI

I'm working my way through Louise Penny's mystery novels featuring Chief Inspector Armand Gamache. The crimes take place in and around a little village called Three Pines in Quebec. I thoroughly enjoy a good suspense or mystery book and these are very readable. I've been reading these books for the...
by boglegirl
Wed May 27, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 7871

Re: does anyone have a subscription to youtube tv?

... YTTV dropped fox sports west & prime ticket in LA and YES network in NY. So no more Kings, Ducks, Clippers in LA. Dropped Yankee games in NY. The other regional areas were not impacted. I tried Hulu for these channels but IMO Hulu sucks. Interface is weak and you can't skip commercials. And...
by boglegirl
Fri Apr 17, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 89
Views: 7805

Re: Best Way to Watch British Mystery Shows

I don't have a suggestion on BritBox vs Acorn vs PBS vs whatever. But I wanted to recommend a show that I haven't seen mentioned above. We recently watched (on Amazon Prime) the Hamish MacBeth series from the 1990s. We LOVED it. It made us want to go live in a small village in Scotland.
by boglegirl
Fri Apr 17, 2020 9:38 am
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8571

Re: Frugal quarantine habits to keep

Started shopping more at Walmart Neighborhood Market. Discovered Oak Leaf wine @ $2.50/bottle. It tastes just as good as Trader Joe's Charles Shaw (Two-Buck Chuck which is actually $2.99). I can't see any reason why we wouldn't keep buying it. In SoCal, 2 Buck Chuck became 2 Buck Chuck again earlie...
by boglegirl
Thu Apr 09, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 297
Views: 35419

Re: What have you baked recently?

Everything. I have baked pretty much everything in the last 3 weeks: homemade Pizza (3x) Cornbread Biscuits (at least 2x) Lardsnaps (gingersnaps made with lard) KAF Deli Rye Rolls Grapefruit olive oil cake Peanut Butter Cookies (2x) Blondies Tarte Tatin Naan I have a sourdough starter going that I h...
by boglegirl
Tue Mar 03, 2020 5:05 pm
Forum: Personal Consumer Issues
Topic: Selling house- how to make it look appealing
Replies: 36
Views: 2729

Re: Selling house- how to make it look appealing

... BTW, where I live, in the standard contract there is language to avoid nickel and diming from the inspection. The exact language is: "The Inspections shall include only major components of the Property, including, without limitation, central heating, central cooling, plumbing, well, and el...
by boglegirl
Sat Feb 29, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: Citi double cash maximization
Replies: 24
Views: 2861

Re: Citi double cash maximization

Trism wrote: Sat Feb 29, 2020 5:25 pm The Double Cash is one of a number of 2% cards on the market, but it's the only one that makes 2% back confusing to some people.
You’re right. I’ve been using the Fidelity Visa 2% cashback card for years. Nothing confusing about that one.
by boglegirl
Tue Feb 25, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13958

Re: Do you ever use cash?

Not only I don't use cash and I did not for decades (except when mandatory) but I also don't use credit cards that much. I use my my phone (of course it's still linked to a credit card). While US was very much behind in all this NFC thing now is catching up and it's available in many places. I carr...
by boglegirl
Tue Feb 25, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: Negotiating hospital PT bill
Replies: 36
Views: 3353

Re: Negotiating hospital PT bill

... Start looking for PT centers around the area ( wouldn't be shocked to find one close to the hospital ). Find out their prices if they have them posted, and/or, tell them what insurance and network you use, and they should be able to look it up to find your copay amount. If all else fails, you c...
by boglegirl
Tue Feb 25, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13958

Re: Do you ever use cash?

The only other time we use cash is to slip the valet parking folks a couple of bucks when I visit one of my doctors. Wait, what?!?! Your doctor’s office has valet parking? :shock: Right when I start to think I’m doing well, I learn about something in the world that makes me feel poor again. 8-) Ha!...
by boglegirl
Tue Feb 25, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13958

Re: Do you ever use cash?

... There are restaurants, especially in cities like NYC, that only accept cash. And there are some that only accept cashless forms of payment. Although the powers-that-be in cities like San Francisco and New York claim that this is discriminatory towards the unbanked, and are banning the practice....
by boglegirl
Fri Feb 21, 2020 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Replace Garage Roof only?
Replies: 14
Views: 912

Re: Replace Garage Roof only?

I agree with the others that if you can get a good match, just replace the garage. Your roofing contractor can help with this. We replaced 1/2 of our roof last year. Because of the roof pitch, only the shingles on the front half are really visible from ground level, and they were replaced with concr...
by boglegirl
Fri Feb 21, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Used car purchase - now dreading it
Replies: 117
Views: 8470

Re: Used car purchase - now dreading it

dsmclone wrote: Fri Feb 21, 2020 8:00 am ...

Similar experience. Ground coffee does help a lot.
Wouldn't the car smell like coffee then? I love coffee but don't want to smell it in my car. (although I admit it would be better than a foul odor that I was trying to eliminate)
by boglegirl
Fri Feb 21, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: New Job - HDHP vs PPO
Replies: 17
Views: 1214

Re: New Job - HDHP vs PPO

... Maxing out the deductible and OOP (is that number correct for HDHP?) doesn't get you even close to a wash. HDHP all the way. I agree. There doesn't appear to be any spending level at which the PPO is a better choice. My husband's employer does this also. They offer 3 levels. The lowest-premium ...
by boglegirl
Fri Feb 21, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Medical Coordination of Benefits Question
Replies: 10
Views: 709

Re: Medical Coordination of Benefits Question

We have the same situation-two kids with two insurances. Our primary pays their amount, and the secondary pays the outstanding balance leaving us with zero out of pocket. I'm not even sure which insurance pays more. In this case, Cigna pays $242.95 and then United pays $242.95-194.36 or $48.59 leav...
by boglegirl
Fri Feb 21, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4842

Re: Master of Social Work degree

tigermilk wrote: Fri Feb 21, 2020 7:50 am ... I have a niece who has just a bachelor's degree in social work and can't find a job in the field. She works at Dairy Queen.
Yes, an MSW seems to be the minimum requirement even for the lower wage jobs in the field. I also have a relative with a BSW - she's a poker dealer.
by boglegirl
Fri Feb 21, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4842

Re: Master of Social Work degree

I work with social workers in a volunteer capacity. They make surprisingly little money and have to compete very hard for jobs. One took an internship for 6 months, hoping it would lead to a paying job with that agency - it didn't. But the internship at least gave her a little experience so she was ...
by boglegirl
Thu Feb 20, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: Bought Too Much Car
Replies: 30
Views: 5053

Re: Bought Too Much Car

It sounds like you can't afford it and don't need it. But you don't mention income or other expenses. If you are a high-income earner with relatively low fixed expenses and you can knock out your $37k debt within a year...then I'd keep it. I'm not a huge Dave Ramsey fan but he really helps people ge...
by boglegirl
Thu Feb 20, 2020 9:13 am
Forum: Personal Consumer Issues
Topic: Do You Avoid Advertisements & Commercials?
Replies: 84
Views: 4873

Re: Do You Avoid Advertisements & Commercials?

except for Yankees games, I pretty much exclusively watch DVR, saves me 15 minutes per hour of TV watching plus avoids an unnecessary wanting to spend money on something I may see. We do this, too, but even with baseball games sometimes. :D I'm old enough to remember when cable TV was young and we ...
by boglegirl
Wed Feb 19, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: Can we trust wirecutter reviews?
Replies: 41
Views: 5336

Re: Can we trust wirecutter reviews?

Not speaking to wirecutter specifically but fake online reviews posted by paid foreign/Chinese workers is more and more of a thing. Amazon is rife with it. Amazon reviews are almost worthless. Yes, fake reviews are a big thing on Amazon. I check most Amazon purchases at fakespot and reviewmeta. Eve...
by boglegirl
Wed Feb 19, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: Potential sue - Loss of money
Replies: 128
Views: 12523

Re: Potential sue - Loss of money

... We don't know the purpose of the attorney's comment. However the OP stated that the attorney lived four houses down on the same side of the road. And the families know each other. It's hard to believe the attorney was unaware of the construction. So why in the world would you wait until six mon...
by boglegirl
Wed Feb 19, 2020 8:51 am
Forum: Personal Consumer Issues
Topic: When To BackOut of RE Offer W/O Penalty
Replies: 18
Views: 1082

Re: When To BackOut of RE Offer W/O Penalty

In my experience, you only forfeit earnest money if you have signed off on the contingencies (inspection and financing). We have had 2 buyers back out on us: 1. Buyer 1 had signed off contingencies. We got to keep his earnest money but had to sue in small claims court because he wouldn't authorize t...
by boglegirl
Wed Feb 19, 2020 8:33 am
Forum: Personal Consumer Issues
Topic: When To BackOut of RE Offer W/O Penalty
Replies: 18
Views: 1082

Re: When To BackOut of RE Offer W/O Penalty

Hi all, When making an offer on a home, until when, if at all, can one back out without any legal or financial consequences? My realtor said that up until the time of the P&S signature, one can back out for any reason whatsoever, including a change of heart. Is this true? I"ve had trouble ...
by boglegirl
Wed Feb 19, 2020 8:29 am
Forum: Personal Consumer Issues
Topic: Moving out of US for about 12-14 months : Suggestions requested on storage
Replies: 26
Views: 1763

Re: Moving out of US for about 12-14 months : Suggestions requested on storage

iracks I'm glad you decided to sell most of your stuff instead of storing it! The only thing I'd add when deciding to sell or store specific items is think about how they'll fare sitting in a storage unit for 18 months. Furniture like a dining table you love will probably be fine, but the sofa, mat...
by boglegirl
Wed Feb 12, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28409

Re: Protection Against Home Intruders

tyrion wrote: Tue Feb 11, 2020 4:31 pm ...
Gates to the back yard are locked.
...
I'm really surprised more people don't suggest this. I follow a facebook page for news about my town. We have occasional break-ins reported. They are ALWAYS through a back door or window.
by boglegirl
Tue Feb 11, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2341
Views: 242233

Re: [What TV Show Have You Recently Watched?]

I just noticed that Occupied Season 3 dropped on Netflix, which somehow I missed in December. I love that show. Yes, it's one of the dark dystopian shows that someone upthread criticized - but it has a lot that's relevant to today AND it's very well done. And I think whatever your political or envir...
by boglegirl
Mon Feb 10, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: rear ended, police witnessed
Replies: 17
Views: 3087

Re: rear ended, police witnessed

HomeStretch wrote: Sun Feb 09, 2020 6:32 pm ...
ETA- here’s one such prior thread:
viewtopic.php?f=2&t=271402&hilit=Accident+report
Well, THAT thread didn't end well :D

Church Lady, I'm glad you called your insurance and hope everything works out well for you.