Search found 274 matches

by boglegirl
Mon Sep 03, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 8847

Re: Ladies: bra shopping question

I went bra shopping recently and was surprised to find a comfortable well fitting bra at the Gap for a great price.
by boglegirl
Mon Sep 03, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6962

Re: Walmart is not Amazon

So I have been following WMs attempts to take on Amazon. Seems like a good idea - online ordering with in store pickup or delivery. I decided to try it. Ordered a phone Mophie battery. Then things went south. Battery died after 40 days of use. No problem, I went to a WM near me for a refund. I prin...
by boglegirl
Mon Sep 03, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: (FREE!) Art Collecting Event... what's the catch?
Replies: 11
Views: 1361

Re: (FREE!) Art Collecting Event... what's the catch?

We were on a cruise a few years ago and talked to a couple who were on the same cruise for free because they had previously purchased art on a cruise. I wondered how much they had spent to get the "free" cruise but I didn't want to ask...
by boglegirl
Tue Aug 21, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12566

Re: Excessive Emergency Room Charges - Options?

... I was wondering if I could force them not to send it to collections by sending an automatic monthly payment from my bank and take, say, a year or two to pay off all my current bills plus more that I am expecting in the future for the medical event that I am still not out of. No, I don't think s...
by boglegirl
Mon Aug 20, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 49
Views: 42351

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

I've struggled at times understanding all the "options" that my optometrist's office is trying to sell me. Worse than a new car purchase. "Yep, your lenses and frames are covered by you benefits; that will be $500 please!" :annoyed I just had that happen! We just started on VSP and I was thinking i...
by boglegirl
Sat Aug 18, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 9053

Re: Edward Jones rep door knocking

... This really pisses me off, mostly because my inlaws were taken in by EJ. My MIL LOVES to talk about herself, in addition to being about as intelligent with money as a potted fern. Ouch. I really hope my dear future SIL and DIL won't say these things about me, even in an anonymous online forum.
by boglegirl
Sat Aug 18, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking - School Me
Replies: 21
Views: 2305

Re: Online Banking - School Me

I have banked online almost exclusively for 20 years. Before that, we used a bank which didn't have locations near us (USAA) so we did everything by phone, ATM, and mail. We currently have several online checking & savings accounts. I've never run into problems with this EXCEPT for the once-every-5-...
by boglegirl
Sat Aug 18, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs [Questions on qualified medical expense, contributions]
Replies: 13
Views: 1657

Re: HSAs

I asked the questions because my niece is starting her first "real" job and sought my advice on whether to choose a traditional health insurance plan or a HDHP+HSA. ... ... In one spot, the author indicates that Medicare Parts A, B and HMO parts are qualified and Medigap is not. In two other places...
by boglegirl
Sun Aug 12, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: reliable online public forum
Replies: 24
Views: 2235

Re: reliable online public forum

hello BH Which one is the most reliable, trustworthy, reputable online public forum on a general wide variety of issues, such as, health, retirement, living, business, medical, divorce, and family so on? best wishes www.nutritionfacts.org For full transparency, this website is run by an animal righ...
by boglegirl
Sun Aug 12, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 5227

Re: Maui Hawaii Trip - How to save money?

Good advice regarding food. If you can find a rental on Turo and cancel your rental car you can save money. Our Turo was 1/3 of the price of the national chains and we knew exactly which car we were getting. Definitely check around for car rental prices. We've always found Costco to be the best rat...
by boglegirl
Thu Aug 09, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2452

Re: Prescription Price Shopping?

Even if it is cheaper to purchase without insurance, don't forget to think about whether the "self-pay" would make a difference in terms of your deductible or the out-of-pocket maximum. If you are going to end up paying those amounts with *other* medical bills, then you might as well not pay "off i...
by boglegirl
Wed Aug 01, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 181
Views: 10748

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I'm glad I saw this thread. We are taking a 9-day trip to Costa Rica. I just searched for policies at Squaremouth, and found a handful which offer coverage for all 4 of us for about $80! These include $500k in medical and $500k in evacuation, plus some minor trip interruption benefits. We don't typi...
by boglegirl
Tue Jul 31, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 61
Views: 44639

Re: Worth it to get 300 Mbps internet?

... I'm toying with the idea of getting the fastest available internet speed from the local cable provider -- "up to" 300 Mbps. ... I recently did free trials with Sling and Playstation VUE , and in both cases had disappointing results. The screen resolution wasn't as good as cable TV, and there we...
by boglegirl
Tue Jul 31, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 6315

Re: Talk to me about Le Creuset

Buy the factory seconds from the outlet stores. Looks and cooks same as the “firsts” for less than 1/2 cost. Also, check out local discounters such as TJ Maxx, Tuesday Morning and Home Goods. I've seen le Creuset there in the past. (I didn't buy any - but I did buy my lovely Staub dutch ovens there!)
by boglegirl
Tue Jul 31, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: your advice on new oven
Replies: 22
Views: 2096

Re: your advice on new oven

Thank you everyone! Your advice was useful and I bought it! I went ahead with convection. My very first one. Thanks again! Great; what did you get? I'm late to this party, but I love my LG range with a double oven. The lower, larger one has a convection feature. The upper one doesn't cook as evenly...
by boglegirl
Thu Jul 26, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 984
Views: 105914

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

Can't recall if it was Netflix or Prime, but saw that the BBC show, "The Night Manager" was streaming. It's a miniseries about a hotel manager and international intrigue that was among the best TV I've ever seen. Yes, exceptionally good: acting, plot, production values, excitement, drama, suspense....
by boglegirl
Thu Jul 26, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Where can I rent a Volvo?
Replies: 21
Views: 1796

Re: Where can I rent a Volvo?

If you live near a large airport, try one of the major rental companies on a weekend. We were given a Volvo last year for a weekend rental with National at IAH. I don't remember if it was considered a full-size or luxury rental - we paid for mid-size and were given an upgrade. But it was not expensi...
by boglegirl
Mon Jul 23, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Coast to Coast 2-3 Week Road Trip
Replies: 16
Views: 2058

Re: Coast to Coast 2-3 Week Road Trip

I've been thinking, if I was taking a leisurely trip in September I would go to as many football games as possible. I bet in 3 weekends you could get to 8 or 9 games if you're thoughtful. See? You need to tell us your interests. I would see as many baseball games as possible. In 3 weeks you could s...
by boglegirl
Sun Jul 15, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Personal use of vacation property question
Replies: 1
Views: 363

Re: Personal use of vacation property question

I highly recommend reading IRS pub 527 before increasing your personal use: https://www.irs.gov/publications/p527 Here's the relevant passage to your question about allocating days: "If you use a dwelling unit for both rental and personal purposes, divide your expenses between the rental use and the...
by boglegirl
Sat Jul 14, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 4700

Re: Advice on IT Certification program

I read through the thread and don't think I saw this asked/answered: Is Kid tech-savvy and INTERESTED in an IT career? My "kid" (22yo) started working a part-time tech-support job when he was 16 without any experience - just because he knew stuff that impressed the interviewer. He continued to work...
by boglegirl
Fri Jul 13, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 4700

Re: Advice on IT Certification program

I read through the thread and don't think I saw this asked/answered: Is Kid tech-savvy and INTERESTED in an IT career? My "kid" (22yo) started working a part-time tech-support job when he was 16 without any experience - just because he knew stuff that impressed the interviewer. He continued to work ...
by boglegirl
Fri Jul 13, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 9272

Re: Be Careful Using Mailboxes

I'm probably paranoid, but I haven't used the mailbox in front of my house for outgoing mail of any import for years. Putting the flag up seems to scream "mail inside! Steal me!" I also think there's a higher likelihood of the carrier dropping/losing my outgoing mail vs it getting lost in the drive-...
by boglegirl
Tue Jul 10, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much should i expect to pay for car insurance?
Replies: 22
Views: 1509

Re: How much should i expect to pay for car insurance?

Hi Bogleheads, Apologies for missing out on some essential info. Here are the below points: 1) age: 26 2) marital status: single 3) driving history: this is my first car 4) make and model of car: honda accord 2015 5) state of residence: NJ 6) whether to be used for business: no 7) where i work: NY ...
by boglegirl
Mon Jul 09, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 3098

Re: Rodents ate my car, and my insurance is ripping me off!

... She said $200 is below my deductible. I didn’t read it as $200 IS the deductible. My bad?? Oh, your reading comprehension might be better than mine & TropikThunder's! I guess we can assume that her deductible is between $250-$500. So I probably would have filed a claim if the repair bill was $1...
by boglegirl
Mon Jul 09, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 6033

Re: How to tip

I also think tipping culture is out of control in the USA. I agree, and I love traveling abroad where I don't have to worry about it. I'd have to disagree - I've traveled abroad quite a bit, and one thing that bugs me is that service at restaurants is generally very slow compared to the US. It's no...
by boglegirl
Mon Jul 09, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 3098

Re: Rodents ate my car, and my insurance is ripping me off!

Was it really necessary to submit a claim for this? $1,000+ claim on a policy with a $200 deductible and you’re asking why OP wanted to file a claim? +1 I carry a $1k deductible on my vehicles, but Church Lady has paid for a policy with a lower deductible...she should expect payment on this claim.
by boglegirl
Mon Jul 09, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3676

Re: What do you pay for home services?

For the landscaping, find a teenager that lives in your neighborhood. They will be much cheaper than the professional types. Good luck with that. Kids don't cut lawns anymore for money. If you live in a neighborhood where you see lawn service trucks the kids in that neighborhood don't cut grass. Wh...
by boglegirl
Tue Jun 26, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7880

Re: Family dynamics/in laws/am I being petty?

Tough circumstances. Personally,I'd would be pretty annoyed about it not because of the monetary issue but for the lack of acknowledgement. (It happened the last week when we took some of my trainees out for food and drink. Only a single thank you for covering the $200+ tab). Not sure how to addres...
by boglegirl
Sun Jun 17, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Patio high back chair cushions
Replies: 4
Views: 415

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: 1682

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: 2964

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: 17731

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: 11814

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: 11814

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: 5676

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: 3960

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: 6727

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: 4898

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: 2272

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: 6727

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: 387

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: 387

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: 14076

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: 920

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: 2538

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: 2970

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: 1311

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: 12800

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: 2949

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.