Search found 411 matches

by dowse
Wed Nov 13, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 44
Views: 4394

Re: Is LastPass still top in security, any reason to switch?

Following with interest. Haven't yet taken the step to use a password manager due to security concerns over software bugs. I currently have a notebook handy with password clues written into it, and a separate list of full passwords kept in a home safe. I have photos of the "clue" pages on my phone. ...
by dowse
Tue Nov 12, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 60
Views: 5166

Re: Dental Insurance

After retiring and losing company-subsidized Delta Dental, I looked into the Cigna Savings plan, offered through dentalplans.com referenced by another poster. I pay about $180/yr for myself and DW, which entitles me to a discount fee schedule. Fortunately, our dentist was already a participant. I di...
by dowse
Sat Nov 09, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: visiting Maine in November
Replies: 27
Views: 1876

Re: visiting Maine in November

A day trip to Freeport would be within reason. Approximately 1-1/2 drive from Belfast. The main attraction there is the LL Bean flagship store. The downtown area has some interesting shops and restaurants. There are also a lot of outlet stores in town.
by dowse
Tue Nov 05, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.
Replies: 29
Views: 1896

Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.

I recently received a text message from a neighbor asking if his 14 year old son could build an ATV trail that would run through a heavily wooded portion of our property. The route would provide a very convenient connector to an existing ATV trail belonging to an abutter behind our property. The abu...
by dowse
Sat Oct 19, 2019 9:42 am
Forum: Investing - Theory, News & General
Topic: Edward Jones presentation at the senior center
Replies: 44
Views: 6561

Re: Edward Jones presentation at the senior center

A few years ago, I took over as trustee on a family member's EJ account. They called to wish me a happy birthday every year.

My MIL once bought an annuity from "a nice man who sent me Christmas cards".

'Nuff said.
by dowse
Sat Oct 19, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 106
Views: 15201

Re: I bought a STOLEN vehicle!!!

Sorry to the OP for this misfortune.

All of this discussion of technology-enabled scams on both the buy and the sell sides reinforces my intention of having all of my future vehicle transactions with Carmax.
by dowse
Sun Oct 13, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?
Replies: 52
Views: 5176

Re: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?

One more suggestion - The Folk Art Center near Asheville, NC https://www.blueridgeparkway.org/poi/folk-art-center/ You can easily walk around inside one at a time while the other stays with the dog. We visited the Biltmore a year ago, but that was when they had a special outdoor Dale Chihuly glass s...
by dowse
Sun Oct 13, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?
Replies: 52
Views: 5176

Re: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?

I know you didn't ask this question, but because you said you like waterfalls, I thought I'd throw out some suggestions. Not sure where in New England your starting from, but if it's near the White Mountains of NH, consider these: You can see 1-5 below in one day - none more than 0.5 mi. from parkin...
by dowse
Mon Oct 07, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Kayaking & Fisherman - What is proper etiquette?
Replies: 33
Views: 3851

Re: Kayaking & Fisherman - What is proper etiquette?

Why go into that cove unless you need to put in there for some reason. If there is a boat launch there, then you have a right to use it, and he should have no expectation that kayakers won't use it , but if not, then why not just stop and ask the fisherman where you could paddle without bothering hi...
by dowse
Mon Sep 30, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: SS retirement payment of Medicare premiums
Replies: 9
Views: 1025

Re: SS retirement payment of Medicare premiums

As myself and others have done in this situation, just pay what you are billed. The bills will stop coming, the SS deductions will start, and any overpapyments will be refunded to you in the form of a check from the US Treasury.
by dowse
Sun Sep 29, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7952

Re: Humana Part D - ILLINOIS - premiums up up up

I'm with Wellcare now, which is the second plan since starting in 2017. DW is on her third plan since 2016. We made changes due to hefty premium increases. Every year the deck seems to get reshuffled with a differenct company having the lowest cost. Staying with Wellcare for now, as it will still be...
by dowse
Tue Sep 24, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Calculate my 2020 federal taxes
Replies: 9
Views: 1735

Re: Calculate my 2020 federal taxes

This is my favorite, which I have been using for several years. I've found it to be thorough and accurate. Also free!

https://sites.google.com/site/excel1040/

The 2020 version isn't out yet. You might be able to get pretty close using the 2019 version.
by dowse
Fri Sep 13, 2019 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Overpaying Medicare Part B when first collecting Soc Sec
Replies: 10
Views: 1134

Re: Overpaying Medicare Part B when first collecting Soc Sec

This also came up in another thread a while back. I was in the same situation. To be on the safe side, I paid the bill, knowing that there would be a 2 month overpayment, and just let things come out in the wash. Eventually, (actually not all that long), I received a refund paper check from the US T...
by dowse
Tue Sep 10, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: FYI - Flaw in new Medicare D Cost Comparsison Tool
Replies: 2
Views: 418

FYI - Flaw in new Medicare D Cost Comparsison Tool

Just ran into this article, which should be of interest to many BH'ers here. apparently, a new tool being released in advance of the upcoming open enrollment period lacks total cost comparisons that have been part of the tool in the past. The action here would be to wait until this gets fixed before...
by dowse
Fri Sep 06, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Beach City / Town in Florida
Replies: 64
Views: 7521

Re: Beach City / Town in Florida

Consider Amelia Island/Fernandina Beach in the Jacksonville area. We have become annual visitors and have friends who live there. Very friendly town with great restaurants and shops in a very walkable downtown. Great opportunities for outdoor activities.
by dowse
Mon Aug 19, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Woodstock
Replies: 93
Views: 9281

Re: Woodstock

I didn't go to Woodstock, but I have a related story. On August 16, 1969, I attended the first gig for Crosby, Stills, Nash and Young. I saw the second of two shows that night from the 7th row at the Auditorium Theater in Chicago. Joni Mitchell was the opening act! Some of you might recall that at W...
by dowse
Thu Jul 04, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Photography business early stage, tax and other
Replies: 33
Views: 3073

Re: Photography business early stage, tax and other

A couple of related observations from an enthusiastic above average amateur photographer. A few years ago, while photographing an inconic waterfall, I bumped into a pro on assignment for Conde Nast Traveler magazine. He noticed my tripod ( I was the only other "photographer" using one) and struck up...
by dowse
Wed Jun 19, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 99
Views: 15437

Re: Moving to North Carolina from NYC

While Chapel Hill is a fine place to live, housing is a bit expensive. Consider Hillsborough abt 15-20 min north of Chapel Hill with good access to Durham (I85) and Raleigh/RTP (I40). Best of all, beach is abt 2.5 hours down I40 and mountain about the same westbound on I40 (e.g. Blowing Rock, Boone...
by dowse
Fri Jun 14, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Cost of mini split installation? [Ductless Air Conditioning/ Heat]
Replies: 36
Views: 3406

Re: Cost of mini split installation?

We just had a system installed about 6 weeks ago. Four zones with indoor wall units on one outdoor condenser. Total price about $12,500. Your quote seems out of line to me. I would definitely get more quotes. I think these systems roughly scale with the number of zones, so figure a little more then ...
by dowse
Sun Jun 09, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 10329

Re: Do you carry Umbrella Insurance?

Yes, we carry it. Can't help but wonder about a recent tragedy in the news. A 5-year old boy climbed a neighbors fence and drowned in their pool. From all appearances, the fence met code requirements for pools. Wonder if the owners will be sued. Also wonder if they have umbrella liability insurance,...
by dowse
Thu Jun 06, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: Trip to Vermont/New Hampshire
Replies: 34
Views: 2405

Re: Trip to Vermont/New Hampshire

UVM grad here who lives near the shenandoah’s now. There is no comparison. Vermont is magical in the Fall but will get to peak foliage in late September/early oct. I’d suggest flying to Burlington and driving down through the Mad River Valley. Route 100 is where it is at. Just camp in there. Forget...
by dowse
Mon Jun 03, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2745

Re: Golf interest rekindled after decades - My son created a monster! Now what?

Thanks to all who responded. To those recommending lessons, your point is well taken, but I will probably hold off on that a while and see how it goes. Maybe that guarantees it won't go well, but so be it. I have never been big on taking lessons. Too "frugal", I guess. I took downhill skiing lessons...
by dowse
Mon Jun 03, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2745

Re: Golf interest rekindled after decades - My son created a monster! Now what?

Seems like im the only one who would not recommend an instructor, right off the bat. Forget going out and playing. Live on the range. If your swing is really awful, check out some youtube videos of basic fundamentals, then head to the range and try to replicate...or watch the video and head to your...
by dowse
Mon Jun 03, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2745

Re: Golf interest rekindled after decades - My son created a monster! Now what?

There are other fly fishing opportunities in the summer besides trout... Agreed. It's just not as much fun fishing for bass and other warm water species for me. However, I do get a few opportunities during the summer to go out and fly fish for striped bass with a good friend who has a boat. That's ...
by dowse
Sun Jun 02, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2745

Re: Golf interest rekindled after decades - My son created a monster! Now what?

To maximize the fun to frustration ratio you might consider keeping with the no investment, par three on occasion approach, and playing for fun, social reasons. That is the sweet spot for me. The occasional good shot is a fun period, the next steps are time and money eaters. If you are looking for ...
by dowse
Sun Jun 02, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2745

Re: Golf interest rekindled after decades - My son created a monster! Now what?

This is awesome you and your son are playing! I’ve played off and on since high school with only one driver lesson in my 40s. A year ago I started working with the most awesome golfing coach ever at Golftec. My coach got me to start keeping scores and was >100. After less than a year got my HC down...
by dowse
Sat Jun 01, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2745

Golf interest rekindled after decades - My son created a monster! Now what?

My adult son has a knack for getting me involved in new activities that I end up enjoying. The latest one is golf. A couple of weeks ago, when visiting him and my DIL, he invited me to go out with him and one of his friends for a round of golf. Initially, the plan was that he would throw in an extra...
by dowse
Fri May 31, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7880

Re: $3k for teen club soccer

Even now, 20 years removed from youth sports for my kids, I'm following this thread with great interest. Sadly, it appears that things have only continued to escalate. The fact is, parents usually vastly overestimate their kids ability when it comes to sports. As a result, they are easily manipulate...
by dowse
Mon May 20, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 120
Views: 16641

Re: Tired of gas grills rusting out...

Went through multiple Char-broils. Finally wised up and bought a Weber 3 years ago. No sign of corrosion yet.
by dowse
Sun May 05, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: How can I learn to use Excel for retirement planning?
Replies: 14
Views: 1592

Re: How can I learn to use Excel for retirement planning?

Others have already done extensive development of Excel tools for this purpose. One excellent tool is free, and was developed by a fellow BH'er. Start here: https://www.bogleheads.org/wiki/Retiree_Portfolio_Model. That said, improving your Excel skills would still be very beneficial in understanding...
by dowse
Tue Apr 30, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Trip to Vermont/New Hampshire
Replies: 34
Views: 2405

Re: Trip to Vermont/New Hampshire

My wife and I are long due for a kids-free vacation this fall. We're currently looking at doing a trip to Vermont/New Hampshire during peak foliage season which I've read runs from mid-September to mid-October, so likely right around October 1st give or take a few days. We reside about an hour from...
by dowse
Thu Apr 18, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 37
Views: 3326

Re: Basement water issues

I'm wondering what kind of floor you have in the basement. Maybe you could install ceramic tiles, along with a baseborad, leaving a gap between the edge of the baseboard and the exterior wall. We did this in our vacataion home. The previous owner had carpeting in the finished basement. Prior to buyi...
by dowse
Sun Apr 07, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Re: Scam alert - USPS new feature playing a role

Update - I received a letter from the bank asking me to fill out and sign a "Certification of Fraud" form. The form asks me list fraudulent transactions. There are none that I know of, since the fraud was for a card that I was told was never sent out. The form also asks for phone and email contact ...
by dowse
Sun Apr 07, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Re: Scam alert - USPS new feature playing a role

Visiting the bank in person is not practical. It's 1400 mi. away.
by dowse
Sun Apr 07, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Re: Scam alert - USPS new feature playing a role

Update - I received a letter from the bank asking me to fill out and sign a "Certification of Fraud" form. The form asks me list fraudulent transactions. There are none that I know of, since the fraud was for a card that I was told was never sent out. The form also asks for phone and email contact i...
by dowse
Thu Apr 04, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Re: Scam alert - USPS new feature playing a role

Even if you didn't give out "more" information to her, did you verify some of it for her, such as SSN, addresses, birth date? Did you give her the correct employer address or correct birth date when she brought it up? Did she bring up any other personal info that needed verifying? Were you able to ...
by dowse
Tue Apr 02, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Re: Scam alert - USPS new feature playing a role

I don't think a credit freeze stops somebody who you already have a "relationship" with from getting your credit report. But I could be wrong. So a potential thief could have got your information from someplace else. Then used USPS notification to see which bills/statements you receive in the mail ...
by dowse
Tue Apr 02, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Re: Scam alert - USPS new feature playing a role

Agree that the Informed Delivery connection seems to be unfounded. And it is not new, started 2 years ago yesterday. All I know is what the bank employee told me. She seemed to be quite concerned about the info they could use. Besides bank statements, I suppose they could figure out what health ins...
by dowse
Tue Apr 02, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Re: Scam alert - USPS new feature playing a role

There have been so many horrendous data breaches that most scammers don't bother with Informed Delivery or breaking into mailboxes anymore. That's too much work. They just buy your data online. Everyone should freeze their credit reports. Totally agree everyone should freeze. Open up only when nece...
by dowse
Tue Apr 02, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Re: Scam alert - USPS new feature playing a role

I have Informed Delivery. There is a verification process to verify it is you and isn't that easy to work around. As others said, that could let the scammer know when to retrieve a credit card or statement from your mailbox. I am surprised someone at a bank actually processes credit card applicatio...
by dowse
Tue Apr 02, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Re: Scam alert - USPS new feature playing a role

Do you know for sure that the call was actually from a bank employee? This is a rather important question. :?: An important question of course, and one that I had. The initial contact came in the form of a call to my mobile phone. I didn't recognize the number, so I let it go to voicemail. The call...
by dowse
Tue Apr 02, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Re: Scam alert - USPS new feature playing a role

At first I was thinking the scammers might be offshore, but on second thought, if there is a local connection, they could use Informed Delivery to identify an envelope that likely contains a credit card after knowing that an approved card is on the way. They would then need to be able to steal it fr...
by dowse
Tue Apr 02, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Re: Scam alert - USPS new feature playing a role

Agree that the Informed Delivery connection seems to be unfounded. And it is not new, started 2 years ago yesterday. All I know is what the bank employee told me. She seemed to be quite concerned about the info they could use. Besides bank statements, I suppose they could figure out what health ins...
by dowse
Tue Apr 02, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Re: Scam alert - USPS new feature playing a role

All Informed Delivery shows is the outside of the envelope, which I would think would be of limited use to scammers. I am interested in knowing how this could be used for fraud, since I have the service and find it useful. Yes. Thanks for clarifying. I wondered this too. It would seem to be of only...
by dowse
Tue Apr 02, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8451

Scam alert - USPS new feature playing a role

[Thread merged into here, see below Page 3) --admin LadyGeek] I just got a call from an alert bank employee asking me whether I had applied for a credit card (I had not). It turns out that a fraudster applied for a credit card in my name and it was approved. The alert worker noticed some things tha...
by dowse
Mon Mar 18, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Medicare annual physical vs wellness visit
Replies: 54
Views: 3408

Re: Medicare annual physical vs wellness visit

By the way, I discovered that Medicare does not cover Tetanus shots. According to my claim, the vaccine itself was free, but the administration of it was billed at $67, which I had to pay. Other vaccines are covered in full, e.g. pneumococcal pneumonia. Interesting.. Under my Medicare plan, I got a...
by dowse
Mon Mar 18, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Medicare annual physical vs wellness visit
Replies: 54
Views: 3408

Re: Medicare annual physical vs wellness visit

By the way, I discovered that Medicare does not cover Tetanus shots. According to my claim, the vaccine itself was free, but the administration of it was billed at $67, which I had to pay. Other vaccines are covered in full, e.g. pneumococcal pneumonia. Interesting.. Under my Medicare plan, I got a...
by dowse
Mon Mar 18, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: Medicare annual physical vs wellness visit
Replies: 54
Views: 3408

Re: Medicare annual physical vs wellness visit

Talk to your PCP about it. In many cases, the Wellness visit can be combined with an "Office Visit" if the patient is being treated for anything else, such as high cholesterol, high blood pressure, etc. A great many medicare recipients are already being treated for something that will justify a rou...
by dowse
Sun Mar 17, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Medicare annual physical vs wellness visit
Replies: 54
Views: 3408

Re: Medicare annual physical vs wellness visit

Talk to your PCP about it. In many cases, the Wellness visit can be combined with an "Office Visit" if the patient is being treated for anything else, such as high cholesterol, high blood pressure, etc. A great many medicare recipients are already being treated for something that will justify a rout...
by dowse
Sun Mar 17, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: [Small, Portable, and Ductless Air Conditioners]
Replies: 68
Views: 6006

Re: [Small, Portable, and Ductless Air Conditioners]

Also following this thread with interest. Thanks to the op for the latest update. We are determined not to live through another brutal summer without better a/c. We are now in the process of getting quotes for a 4-zone, single condenser ductless system, probably 36K BTU total (6+9+9+12). So far only...