Search found 245 matches

by boglegirl
Sun Jun 17, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Patio high back chair cushions
Replies: 4
Views: 357

Re: Patio high back chair cushions

We just had to replace ours and found some in 2-packs at Home Depot online for $60. I'm not crazy about the quality - they don't seem stuffed as well as previous ones. We have to adjust as we're sitting because the bottom seems to sink through the webbing! But I wanted cheap because I think we'll re...
by boglegirl
Sat Jun 16, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1461

Re: Functional Medicine/ managing the costs

.. I stick with "regular" physicians - BUT am greatly influenced by "lifestyle" changes to improve my health - nutritionfacts.org +1 I love Dr. Greger's advice. The claims in his book and on his podcast & website are all backed by scientific research. AND he's not trying to sell anything (except, I...
by boglegirl
Sat Jun 16, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2509

Re: Drive from Phoenix to San Diego

Don't let the naysayers about Sequoia/Kings Canyon sway you! We love those parks and have spent way more time in them than Yosemite. On weekend days, there can be a long line to enter Kings Canyon, but nothing like what I've heard about Yosemite lately. It's one of the national parks that's being lo...
by boglegirl
Fri Jun 15, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16174

Re: Should I take possession of a certified mail?

We missed a certified letter 2 days ago, nobody was home. So I signed the note left at the door and wrote that the carrier should leave the letter in the mail box, left note in the mail box. She did next day, and nobody had to go to the post office. So what was in your letter? Since the OP hasn't u...
by boglegirl
Thu Jun 14, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10117

Re: Timeshare ever worth it? Please share details

Wow. I would assume in the US an heir could simply disclaim the inheritance of that property. Is that not possible in the UK? An individual heir can disclaim property, an estate can not. Unless the estate is already insolvent. The liabilities of the timeshare will still burden the estate. Not sure ...
by boglegirl
Thu Jun 14, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10117

Re: Timeshare ever worth it? Please share details

We own quite a bit on a common account with my parents, and the only points we regret are the relatively small number we paid full price for before we knew any better. All of our resale points we still consider to be a good value. Ongoing costs are also high, but we feel we get value out of it anyw...
by boglegirl
Wed Jun 13, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4753

Re: How do you celebrate (potty trained kid) milestone with your spouse?

I celebrate anything, and I usually celebrate with a bottle of sparkling wine and/or take out for dinner. We limited our Costco trip to under $200 = wine and pizza because I'm too tired to cook after shopping at Costco We cleaned out the basement = decent champagne We saved up enough cash to pay fo...
by boglegirl
Wed Jun 13, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 42
Views: 3408

Re: Light Camping Trailer

dratkinson wrote:
Mon Jun 11, 2018 5:06 pm
...
Careful thought, as it can be as addictive as the BH forum.
I can stop any time I want. :wink:
by boglegirl
Sun Jun 10, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Moved Family Across Country for New Job and Job is now gone
Replies: 27
Views: 6455

Re: Moved Family Across Country for New Job and Job is now gone

.. Even if you have cleared contingencies for financing have your realtor explain to the other realtor and the seller what happened. The seller may feel sorry for you especially if you've been an easy buyer to work with so far and return the earnest money even if they don't have to. Many people are...
by boglegirl
Sun Jun 10, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 79
Views: 4275

Re: How much to budget for a week long vacation for 2?

You have got answers from as low as $2000 to as high as $25,000. How does that really help you though? What would you plan for? He said he was going to: ...tak(e) the varied experiences of others, removing outliers, and coming up with a general cost that when multiplied by X will give me a reasonab...
by boglegirl
Sun Jun 10, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Do I need an umbrella insurance policy?
Replies: 16
Views: 2068

Re: Do I need an umbrella insurance policy?

.... I understand the umbrella amount is above and beyond the auto liability, so buying a $1 million dollar umbrella policy really provides $1.5 million in liability coverage. Will insurance companies let you decrease your auto liability coverage to the minimum before buying an umbrella policy? ......
by boglegirl
Sun Jun 10, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Moved Family Across Country for New Job and Job is now gone
Replies: 27
Views: 6455

Re: Moved Family Across Country for New Job and Job is now gone

If you have a financing contingency simply inform your mortgage lender you are no longer employed and have no income. They will renege on the loan and you’ll get your earnest money back. You need to read your contract and talk to your agent. At some point in a purchase contract, all contingencies a...
by boglegirl
Fri May 18, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Fund Roth IRA from taxable to avoid state tax?
Replies: 8
Views: 281

Re: Convert taxable to Roth IRA to avoid state tax?

But don't you have the 7.4% state income tax now? How will paying it now help you? This is why we can't/won't do Roth conversions...we're currently in a 9+% state bracket. Fingers crossed that we'll be in a lower tax state in retirement. Yes, but I have already paid tax on nearly 95% of that income...
by boglegirl
Fri May 18, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Fund Roth IRA from taxable to avoid state tax?
Replies: 8
Views: 281

Re: Convert taxable to Roth IRA to avoid state tax?

... Does it make sense to start converting my taxable account to a Roth IRA due to the low capital gains I currently have? My goal is to avoid the 7.4% state income tax in retirement. The funds in the roth IRA would not be touched until likely 65-70, because I understand that SEPP distributions fro...
by boglegirl
Fri May 18, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12353

Re: how do you tip on wine at a restaurant

If you want to abolish tipping at restaurants in the US, I wish you the best of luck. Until, then, you should treat 15% as a mandatory part of the bill, unless the service was terrible. ... I agree with this, and think the OP should have tipped 15%. But most on this thread say they tip 20-25% which...
by boglegirl
Fri May 18, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Cancelling term life insurance policies paid annually, will I get a refund
Replies: 9
Views: 806

Re: Cancelling term life insurance policies paid annually, will I get a refund

We cancelled a policy (USAA) and received a refund within days.

I think some of this depends on state law, too. OP, please just call your insurer as there are too many variables.
by boglegirl
Thu May 17, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: What exactly causes a spring mattress to wear out?
Replies: 27
Views: 2108

Re: What exactly causes a spring mattress to wear out?

Overweight sleepers. I've never had a mattress wear out. And we don't turn our mattresses that often. Probably "heavy" sleepers. We are small people and have never really had a mattress actually wear out. We just eventually replace it just for the heck of it. We buy plain, no pillow pad, spring mat...
by boglegirl
Thu May 17, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2697

Re: What would you do? takes 6 months to fix a Tesla Model S

jdb wrote:
Thu May 17, 2018 7:07 am
[OT comment removed by moderator prudent] We have owned a Tesla Model S now going on 6 years and it has had a few collisions, ...
I'm trying to imagine owning a Tesla (or any car) and colliding in it "a few" times over 6 years. :shock:
by boglegirl
Thu May 17, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Departed employee & final pay check
Replies: 9
Views: 1218

Re: Departed employee & final pay check

... "Benefit premiums are not prorated for the last pay period you were actively at work. Your final paycheck will include benefit deductions for the entire two-week pay period that includes your last day of employment. Your health and welfare coverage ends as of your last day of employment at 11:5...
by boglegirl
Thu May 17, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: When to claim Social Security: two reasons not to wait
Replies: 68
Views: 11947

Re: When to claim Social Security: two reasons not to wait

Thanks, but it is still ambiguous as both spouses have a FRA but the usage is not clarified. Suppose spouse P, who will file for a primary benefit, is 1 year older than spouse S, who will claim a spousal benefit based on P’s PIA. Suppose both reach FRA at age 67. If P delays past age 67, both benef...
by boglegirl
Tue May 15, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 2732

Re: Am I working with the wrong realtor?

I'm not sure if anybody has pointed out that a showing is probably not even under the buyer's agent's control. If the seller has a contract, unless they are accepting backup offers, they are not showing the house at all. The buyer's agent can't force them to show it to you.
by boglegirl
Sat May 12, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 5394

Re: Advice on building a timeless mens wardrobe?

.. There is nothing fancy and nothing has changed since you were born. ... I don't agree with this...men's clothing doesn't change as quickly as women's, but it does change. ... If you're looking for longevity in fashion, good luck. Trends change way too quickly. The best bet is to buy decent quali...
by boglegirl
Sat May 12, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17854

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

Form my limited experience, trying to force someone to follow through on a home sale when they seriously want to back out is an exercise in futility. It could be difficult, but not necessarily futile. In my friend's case, they decided they didn't want to sell after all because there was a problem w...
by boglegirl
Sat May 12, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17854

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

Sorry for the delay in posting an update. I'm afraid it has been a rough week for us, as on top of all of this... the seller for the house we were buying backed out. Long story, but short version: our house hunt has been quite awful and we're a lot more bummed about that than the car! .. Totally of...
by boglegirl
Wed May 09, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Most economical way to move vehicles State->State
Replies: 17
Views: 963

Re: Most economical way to move vehicles State->State

If you decide on the 'caravan 3 vehicles' approach, look at a one way rental for your return. Depending on regional rental car demand, it can be cheaper than depreciation on one of your owned vehicles. You can fly non-stop from Austin to San Diego for as little as $93 one way - much cheaper than dr...
by boglegirl
Thu May 03, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2067

Re: Real Estate Commissions - How Negotiable?

You want to avoid shooting yourself in the foot. When an agent has a client who is looking for a house, and you're below standard % commission, they're going to show every available house with standard commission before yours. I've been on a house hunting trip where an agent would not take "no" for...
by boglegirl
Thu May 03, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: New State Farm Coverages
Replies: 23
Views: 2809

Re: New State Farm Coverages

I received some printed info on the SF Home Systems Protection coverage from my agent. The agent says that claims under this coverage do not affect the claims free discount. Here are the details: $15 per year cost, $500 deductible, $50,000 limit per occurrence. ... There is also up to 150% coverage...
by boglegirl
Mon Apr 30, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Northern Hiking/Walking Vacation
Replies: 19
Views: 1402

Re: Northern Hiking/Walking Vacation

The Canadian rockies between Banff and Jasper have plenty of great day hikes. We loved hiking near Jasper. Incredible lakes, canyons, waterfalls. September was perfect. It wasn't too cold already in September? We visited Rocky NP one year in September and it was getting pretty chilly. That same mon...
by boglegirl
Mon Apr 30, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 3043

Re: Avocado Timing

Avocado ripening takes a few days. Day 1: Not ready Day 2: Not ready Day 3: Not ready Day 4: Eat me now! Day 5: Too late For me it is like this: Day 1: Not ready Day 2: Not ready Day 3: Not ready Day 4: Not ready Day 5: Not ready Day 6, morning: Not ready Day 6, evening: Too late :D You all are mak...
by boglegirl
Mon Apr 30, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 3043

Re: Avocado Timing

mrc wrote:
Mon Apr 30, 2018 1:31 pm
...
Kinda like cantaloupe, where you have to get up in the middle of the night to catch them between too green and mildly fermented.
:D Your timing scale is even more precise than mine! Middle of the night; who knew?
by boglegirl
Mon Apr 30, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 3043

Re: Avocado Timing

Avocado ripening takes a few days.
Day 1: Not ready
Day 2: Not ready
Day 3: Not ready
Day 4: Eat me now!
Day 5: Too late
by boglegirl
Mon Apr 30, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17854

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

Pajamas wrote:
Mon Apr 30, 2018 4:07 pm
Auto lease co-signer scam exposed:

https://www.autocheatsheet.com/car-deal ... -scam.html
I'm sure that happens, but the OP said her husband's credit is excellent. So why would the dealer pull this scam?
by boglegirl
Mon Apr 30, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Favors for Family/Friends and Getting Compensated or Not?
Replies: 39
Views: 3306

Re: Favors for Family/Friends and Getting Compensated or Not?

I agree with the others that I wouldn't do most of those "favors" except perhaps for an occasional ride to the airport (and I'd sure expect them to give me a ride next time). But I wouldn't have asked for money. I think you knew the answer would be "no." So I would have just said "Sorry, I can't" to...
by boglegirl
Thu Apr 26, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10633

Re: Wedding - financial burden on couple and attendees

... Is someone in this circle offering to help (i.e. host and/or pay for) this alternative arrangement as a supplement (not a replacement) to the destination wedding? If so, you could say something like: "Hey, Tom/Jane. Thank you for the Save The Date. I'm so excited about your wedding! I hope I ca...
by boglegirl
Thu Apr 26, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10633

Re: Wedding - financial burden on couple and attendees

OP, I'm sorry I don't have any advice for you on how to approach this. The whole destination wedding trend makes me sad. The weddings I've attended over the years have been joyous occasions where the bride and groom are surrounded by those who love them. They don't have to be super-expensive! I atte...
by boglegirl
Thu Apr 26, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Car insurance quotes for 23 year old (male-don't know if this matters)
Replies: 19
Views: 1083

Re: Car insurance quotes for 23 year old (male-don't know if this matters)

I'd get a used Camry/Accord and not a Mustang GT. Young men justifiably pay higher rates. I'd shop around Geico, Progressive, All State, etc.Some of them can be dramatically lower for no obvious reason. Also shop around when you renew. Our 22yo recently bought a Mustang (against our advice! :oops: ...
by boglegirl
Mon Apr 23, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 90
Views: 5756

Re: AAA? What to do in car emergencies?

I wrote a slightly off-topic reply about AAA's car batteries...so I wanted to address the OP's question specifically: 1. Drive the newer car and sell the old one. 2. Keep the newer car well-maintained (tires inflated, replace battery before it fails) 3. Have some form of roadside assistance - someon...
by boglegirl
Mon Apr 23, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 90
Views: 5756

Re: AAA? What to do in car emergencies?

When my car did not start, I called AAA and they were able (at a very fair charge, in my opinion) to replace my old and dead battery with a new one on the spot. The truck carried a supply of various batteries such that one would fit most cars. There was another thread about AAA recently in which we...
by boglegirl
Mon Apr 23, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Renting out home with Swimming pool
Replies: 10
Views: 2261

Re: Renting out home with Swimming pool

We were tenants in 2 homes with pools in SoCal. One was leased through a professional leasing/property manager; the other was with a realtor through MLS. FWIW, neither of the leases had any language about the pool except that pool maintenance was included. One pool was separately fenced; the other h...
by boglegirl
Fri Apr 13, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 44445

Re: Name something you had to have and now you regret purchasing it?

Shares in Webvan (early internet grocery delivery service). Share price dived and never came back, it went bankrupt. I ended up selling it to my broker (and paying the sales trade charge) just to get it off my statement so I didn't have to look at it. You're probably thinking that I at least got a ...
by boglegirl
Fri Apr 13, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 246
Views: 39369

Re: How to Minimize Your Emergency Care Expenses

... 1. I live in Rancho Mirage, CA, a city that will pay for ambulance service for all citizens . But I don't need them because my HMO covers it as well. ... The bolded is not exactly correct. According to the city's website, they bill your insurance ("Medicare and other health-care insurance provi...
by boglegirl
Fri Apr 06, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 3584

Re: GEICO rate increase: 49% annualized?!

My State Farm auto insurance rate decreased for this 6 months. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=246039 Apparently people don't feel this is a viable option. Or, perhaps they don't believe me. :annoyed I believe you! Our rate went down about 1% this year. I think it's just depend...
by boglegirl
Fri Apr 06, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 3584

Re: GEICO rate increase: 49% annualized?!

Careful, the last time I tried to annualize a GEICO premium increase I was pilloried for it. Looks like it's already beginning; brace yourself. Good luck! :) You weren't pilloried, you were corrected. The only way it makes sense to annualize a 6-month bill is if you know what your next bill is goin...
by boglegirl
Mon Mar 26, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Should I proactively replace my central AC unit?
Replies: 33
Views: 2574

Re: Should I proactively replace my central AC unit?

I wouldn't buy a new system in anticipation of failure of the current one. But I'd buy one if the old one wasn't doing a good job, which ours wasn't. Our old system ran around the clock during the summer just to keep the house below 80 (and we live in a moderate climate). And the upstairs was about ...
by boglegirl
Sat Mar 24, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 7181

Re: How does it make sense to buy a condo/house in Texas?

How does it make sense to buy a condo/house in Texas? With property taxes being as high as 2.6% in many large cities... FYI, it can be even higher. I think the worst (highest) city/school district combination in the Fort Worth area gives a total property tax rate of almost 3.2%. How many threads do...
by boglegirl
Fri Mar 23, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24215

Re: Anyone Deleting Facebook?

Keeping it. It's very easy to keep your information secure. Don't fill out those personality tests that pop up everytime. Don't install apps. Don't allow apps access to your page. People willingly gave their information up. It's not so easy...you also have to not be friends with others who do those...
by boglegirl
Wed Mar 21, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 132
Views: 11600

Re: What have you baked recently?

I'm impressed with all of your lovely breads! I've baked two pies in the last couple of weeks: KAF Lemon Chess Pie https://www.kingarthurflour.com/recipes/lemon-chess-pie-recipe John Thorne's Pecan Pie (I used bourbon instead of rum) https://www.chowhound.com/recipes/john-thornes-best-ever-pecan-pie...
by boglegirl
Wed Mar 21, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Personal Excess Liability Insurance - Umbrella Insurance
Replies: 55
Views: 4135

Re: Personal Excess Liability Insurance - Umbrella Insurance

... The issue is the probability of YOU being sued. Are there behaviors peculiar to you that require coverage? Is the umbrella premium worth peace of mind? Do you want to play the odds that you could be subject to an outlier judgment that blows out your net worth? Our recent decision to purchase an...
by boglegirl
Wed Mar 21, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers? Got scammed
Replies: 39
Views: 3766

Re: Any lawyers? Got scammed

jehovasfitness wrote:
Wed Mar 21, 2018 6:40 am
...

This took us past 6 months where credit cards will refund your money.
..
Did you call your credit card company and ask? Sometimes they have recourse against the seller. I was out of the official time limit once and called them; they opened a dispute and I got my $ back.
by boglegirl
Mon Mar 19, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: If you thought you were going to get laid off wwyd? [What would you do]
Replies: 32
Views: 2867

Re: If you thought you were going to get laid off wwyd?

If you have a Flexible Spending Account, go ahead and use it all. Buy new glasses or whatever. And I don't consider that bad faith, just part of the deal. I did not make the rules. That's just what I was going to suggest! You want to use the money sooner rather than later, because you don't want to...