Search found 442 matches

by dowse
Mon Jun 15, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: Protection from Automatic CC Charge by Tour Company
Replies: 6
Views: 482

Re: Protection from Automatic CC Charge by Tour Company

Due to covid concerns and an unexpected family issue, I have to cancel an upcoming trip. I have a deadline coming up in about 2 weeks to either cancel or have a substantial charge automatically applied to my credit card. The tour company already has the cc info due to collecting a deposit at the ti...
by dowse
Mon Jun 15, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Protection from Automatic CC Charge by Tour Company
Replies: 6
Views: 482

Protection from Automatic CC Charge by Tour Company

Due to covid concerns and an unexpected family issue, I have to cancel an upcoming trip. I have a deadline coming up in about 2 weeks to either cancel or have a substantial charge automatically applied to my credit card. The tour company already has the cc info due to collecting a deposit at the tim...
by dowse
Sat May 30, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Opinion on Relocating from IL to FL Central Gulf Coast Condo
Replies: 46
Views: 3505

Re: Opinion on Relocating from IL to FL Central Gulf Coast Condo

I haven't seen in mentioned so far, but my biggest concern would be rising sea levels. My understanding is that all coastal areas in Florida are likely to experience significant issues over the coming decades.
by dowse
Mon Apr 27, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 282
Views: 33264

Re: What have you baked recently?

Whole wheat bread, with yeast and beer and slow cold rise, before the final bake is on. Happens to be the last thing with yeast I baked, the stores here had ran on yeast, and bare shelf's in bread counters. I still have a 6 pack of Fat Tire beer in the fridge. If you can find self-rising flour, you...
by dowse
Mon Apr 27, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 282
Views: 33264

Re: What have you baked recently?

Baked my first naturally leavened sourdough loaf yesterday. I used the method described on the King Arthur Flour website to create the starter. After a few days, the starter just erupted, doubling in size in just a few hours. I used the King Arthur recipe for naturally leavened sourdough bread. With...
by dowse
Fri Apr 24, 2020 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9811

Re: Best Covid19 resistant job

I know someone who works for a large home and business security monitoring company. His job was declared essential. He has not been laid off or furloughed. Business has been relatively steady. Some cancellations and reschedules, but balanced out by new sales due to heightened security concerns.
by dowse
Wed Apr 08, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: Instacart delivery slots?
Replies: 40
Views: 2795

Re: Instacart delivery slots?

After getting an account, finding out there were no delivery slots then finding out that the shoppers were going out on strike due to safety concerns, I came to a realization. The risk of using an Instacart shopper is higher than doing it yourself. If you do it yourself, you at least have some contr...
by dowse
Tue Feb 11, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 731
Views: 38942

Re: What are you listening to now

Whatever is playing on my car satellite radio presets:

Grateful Dead channel
Tom Petty Channel
Classic Vinyl
Classic Rewind
Deep Tracks
The Bridge
by dowse
Mon Feb 10, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Lawyer Long Term Availability
Replies: 7
Views: 875

Re: Estate Lawyer Long Term Availability

I just assumed that the copy the law office retained has original signatures, but maybe I'm wrong about that. I will ask that question.
by dowse
Mon Feb 10, 2020 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Estate Lawyer Long Term Availability
Replies: 7
Views: 875

Estate Lawyer Long Term Availability

We have re-engaged with our estate planning attorney, who is getting on in years (mid-70's) to update our estate plan. I plan to ask him what his succession plan is when he no longer practices. There are two sets of documents with original signatures. One is in our possession and one is in storage u...
by dowse
Mon Feb 10, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27706

Re: best concert

Why are people forgetting about Elvis in the 1970's and 1980's? Perhaps many/most of his fans have joined him. I thought about adding Elvis. I saw him in Vegas (in the late "Fat Elvis" days). I had a friend that drove to Vegas a few times in the mid 70s to see Elvis. She couldn't get anyone to go w...
by dowse
Sun Feb 09, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27706

Re: What is the best concert you ever witnessed?

While my own memories are precious, I'ts remarkable how many times I have said to myself "WOW - I wish I had been to that show!" while reading through these posts. So many lucky people here have had some amazing experiences.
by dowse
Sat Feb 08, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27706

Re: What is the best concert you ever witnessed?

A bit off-topic, but related.

A few of the pre-sets on my car satellite radio:

- Grateful Dead channel
- Tom Petty channel
- The Bridge
- Classic Vinyl
- Deep Tracks
- Classic Rewind
by dowse
Fri Feb 07, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27706

Re: What is the best concert you ever witnessed?

I'm not the OP, but I'm really glad I revived this ancient thread. What a flood of memories have been opened up! I'm really enjoying reading about some of the amazing experiences people have had including quite a few that have occurred since this thread went dormant. Glad to see some pleasant memori...
by dowse
Fri Feb 07, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27706

Re: What is the best concert you ever witnessed?

I'd like to expand a bit on my post above to provide some back stories. First, the the CSN&Y concert. It was a Friday, and during the day two good friends who also worked with me at a grocery store after school came up to me and asked me if I wanted to go to Chicago with them to see a concert. It wa...
by dowse
Thu Feb 06, 2020 7:10 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27706

Re: What is the best concert you ever witnessed?

Bruce Springsteen and E street Band. New Years Eve 1980, Nassau Coliseum, famous bootleg. 4.5 hours I've heard that recording and agree that show is a classic. For me, it was Bruce Springsteen and the E Street Band, River Tour, Halloween 1980, Los Angeles Sports Arena. They played for over 3 hours....
by dowse
Thu Feb 06, 2020 7:08 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27706

Re: best concert

123 wrote:
Thu Feb 06, 2020 7:03 pm
brak wrote:
Sat May 01, 2010 8:40 pm
Why are people forgetting about Elvis in the 1970's and 1980's?
Perhaps many/most of his fans have joined him.
I thought about adding Elvis. I saw him in Vegas (in the late "Fat Elvis" days).
by dowse
Thu Feb 06, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27706

Re: What is the best concert you ever witnessed?

Tom Petty and the Heartbreakers - 2006 in his hometown of Gainesville Fl. Awesome concert which only got better when Stevie Nicks joined them on stage Bruce Springsteen - Numerous times in Asbury Park NJ Bon Jovi - Starland Ballroom in Sayreville NJ The Clash (Opening for The Who) - 1982 JFK Stadiu...
by dowse
Thu Feb 06, 2020 5:36 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27706

Re: What is the best concert you ever witnessed?

I know this is an old thread, but I felt the need to chime in. 1. Crosby, Stills, Nash and Young with Joni Mitchell opening. Aug, 16, 1969, Auditorium Theater, Chicago. Their first gig! 2. (tie) Linda Ronstadt, July 20, 1974, Casino Arena, Asbury Park, NJ, opening for Renaissance. General admission....
by dowse
Sun Jan 26, 2020 1:01 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27089

Re: Sad news: LadyGeek's husband has passed

Condolences to to you LadyGeek for your loss. Amazingly, through all of this, you kept making your valuable contributions moderating us bogleheads and contributing other interesting posts. I admire you for that, and I thank you. With some limited experience with family members, I can say that hospic...
by dowse
Thu Jan 16, 2020 12:44 pm
Forum: Personal Consumer Issues
Topic: AAU basketball, college scholarships and career options/choices
Replies: 59
Views: 2590

Re: AAU basketball, college scholarships and career options/choices

Based on some personal experience and some first-hand observations, I strongly believe that if you have to take the initiative to get your kid onto an elite travel or AAU team, then the answer is that the kid is not a D1 talent. If he does have that kind of talent, word gets around, and the elite te...
by dowse
Thu Jan 09, 2020 8:26 am
Forum: Personal Investments
Topic: How to estimate cash flow in taxable portfolio
Replies: 8
Views: 895

Re: How to estimate cash flow in taxable portfolio

What I'm referring to is a section of my statement called "Estimated Cash Flow". It shows income expected for each month over the next 12 months, but does not break down the detail into individual funds. I'm looking for a way to model the effect on cash flow from changes to the portfolio using live ...
by dowse
Wed Jan 08, 2020 6:04 pm
Forum: Personal Investments
Topic: How to estimate cash flow in taxable portfolio
Replies: 8
Views: 895

How to estimate cash flow in taxable portfolio

In my monthly statements, Fidelity provides an estimated cash flow for the next 12 months. I believe they are using trailing twelve months (TTM) data for the funds in the portfolio, which consist of taxable and tax-free bond funds and a stock fund. I can't find an online capability anywhere on Fidel...
by dowse
Sat Jan 04, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1952
Views: 211802

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

"Linda Ronstadt: The Sound of my Voice". Documentary run on CNN on Jan. 1. Currently streaming on the CNN Go app. It brought tears to my eyes for the great memories it brought back and for the outlook for her future, given her health challenges. I was fortunate to have seen her live 3 times in the 7...
by dowse
Sat Jan 04, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: Please vote for a car option
Replies: 57
Views: 4598

Re: Please vote for a car option

6. Other, i.e. shop at Carmax for 2017 and 2018 models.
by dowse
Tue Dec 24, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 894
Views: 297642

Re: Retiree Portfolio Model

Thank you BigFoot48 and MrDrinkingWater for your responses during a very busy time. I should be able to adjust my model accordingly now. Seasons Greetings to you both.
by dowse
Tue Dec 24, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 894
Views: 297642

How to get RPM to model Taxable Withdrawals?

[Post moved into here, see below. --admin LadyGeek] I posted this question in the main RPM thread, but got no response, so I'm reposting it as a new topic. I've been trying to figure out how to get RPM to model what I'm currently doing with my taxable account. I am making monthly withdrawals which ...
by dowse
Sun Dec 22, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 894
Views: 297642

Re: Retiree Portfolio Model

I've been trying to figure out how to get RPM to model what I'm currently doing with my taxable account. I am making monthly withdrawals which approximately equal dividend and interest distributions to supplement my income. The model seems to want to reinvest interest and dividends. Anyone have any ...
by dowse
Sat Nov 23, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: TV purchase -- 55" or 65" vs viewing distance
Replies: 51
Views: 4836

Re: TV purchase -- 55" or 65" vs viewing distance

Try this calculator based on recommendations of SMPTE (Society of Motion Picture and Television Engineers):

https://www.inchcalculator.com/tv-size- ... alculator/
by dowse
Sat Nov 23, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Selling truck on Craigslist
Replies: 42
Views: 2151

Re: Selling truck on Craigslist

You will likely get plenty of replies with both good and bad experiences with Craigslist and how to protect yourself. I suggest getting a quote from Carmax if there is one nearby. Selling to them removes all of the risk and hassle. You may get a little less for your truck than you want, but it may b...
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: 47
Views: 5794

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: 5781

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: 2238

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: 2077

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: 7126

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: 16277

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: 5885

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: 5885

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: 4134

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: 1101

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: 9897

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: 1875

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: 1258

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: 474

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: 8144

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: 9620

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: 3268

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: 15997

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: 3728

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 ...