Search found 1195 matches

by miles monroe
Thu Sep 06, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2067

Re: Phone Calls from Windows saying computer has Malware

This is what happens when you reply to spam email | James Veitch Ted Talk

https://www.youtube.com/watch?v=_QdPW8JrYzQ&t=
by miles monroe
Sun Sep 02, 2018 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/3 Fund Selections from Employer
Replies: 16
Views: 1217

Re: Help w/3 Fund Selections from Employer

holy smokes, didya look at that list?

vanguard sp500:

0.04 expense ratio
0.65 extra admin fee charged by nationwide

0.69 total expense ratio

there oughta be a law.
by miles monroe
Sun Sep 02, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: [Have medical issue - How should I change my investment strategy?]
Replies: 11
Views: 1154

Re: Gout- What works

i feel for ya; i had it once and hope i never have it again. the good news is that mine pretty much went away after 3 days. [OT comments removed by admin LadyGeek] we're not allowed to play doctor on this site, but if you google "gout treatment" or variations thereof you'll get plenty of suggestions...
by miles monroe
Wed Aug 29, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9603

Re: How do you save money on groceries?

costco (as much as possible)
aldi
buy one get one at publix
by miles monroe
Tue Aug 28, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting myself against suit for Personal Injury
Replies: 19
Views: 2621

Re: Protecting myself against suit for Personal Injury

my son was involved in an accident which resulted in litigation under our state farm umbrella. the suit was eventually settled -- as most of these cases are -- and i was satisfied with how they handled the case.

it's too soon to hire your own attorney.
by miles monroe
Tue Aug 28, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4141

Re: Shingrix [Vaccine availability]

i didn't realize there was a shortage until i read this thread last night. i just got back from costco where i got my 2nd shingrex vaccination. i told the pharmacist about this thread; and he said they also had been out for a while. they got 10 vaccines last week and 4 more this morning, and after m...
by miles monroe
Tue Aug 28, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4141

Re: Shingrix [Vaccine availability]

I wonder if the old Shingles vaccine might be worthwhile if you have not received it and you cannot get the new one?? Over the years, I have spoken to lots of folks who have gotten shingles - and all report how awful it is. my dr told me they discovered that the old vaccine didn't work very well wh...
by miles monroe
Tue Aug 28, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 3918

Re: Recommend a good SOCK. Yes, I said SOCK!

darn tough for hiking; whatever costco sells for everything else.
by miles monroe
Thu Aug 23, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - again
Replies: 34
Views: 2719

Re: Umbrella insurance - again

i pay about $200 for 1 million.

if you have kids that are of driving age -- i don't -- your premiuns will be higher.
by miles monroe
Thu Aug 23, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8668

Re: Edward Jones rep door knocking

i had a EJ rep come to my door about 10 years ago on a saturday afternoon. in the middle of summer. in atlanta. wearing a suit and tie. poor guy.

his office was in a shopping center a mile away. it's gone now.
by miles monroe
Fri Aug 17, 2018 2:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 91
Views: 10325

Vanguard predicts 10 year equity returns

just listened to yesterdays clark howard podcast where he talked about vanguards predictions of annual equity returns for the next 10 years. i don't know if this is on their website or not.

insert appropriate caveats...

domestic 3%-4%
international 6%-7%
by miles monroe
Wed Aug 15, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: steel cut oats wash/rinse before cooking
Replies: 26
Views: 3286

Re: steel cut oats wash/rinse before cooking

No rinse here. I make no-cook steel cut oats by soaking the oats with almond milk and yogurt in a mason jar in the fridge overnight. Add fruits, peanut butter, or whatever toppings you like in the morning. i also sometimes make no cook oatmeal; i add frozen blueberries when i make them and they are...
by miles monroe
Tue Aug 14, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2456

Re: Travel over thanksgiving holiday, drive or fly?

a wedding over the thanksgiving holidays and you live a full days drive away?

i wouldn't go and wouldn't feel the least bit guilty about it.
by miles monroe
Tue Aug 14, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1043
Views: 79817

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

after this period of underperformance seems like it's time to increase international rather than decrease.

that's a decision i made about a year or so ago.
by miles monroe
Mon Aug 13, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: How can I use the Rising Equity Glide Path?
Replies: 61
Views: 3984

Re: How can I use the Rising Equity Glide Path?

in one of their webcasts vanguard said this was not necessary and recommended against it.
by miles monroe
Mon Aug 13, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5162

Re: How often do you check your brokerage accounts

twice a week solely to check for fraud.
by miles monroe
Tue Aug 07, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4951

Re: Medicare Supplement Companies

couple quick points from someone who does not claim to be a medicare expert. if you travel quite a bit you don't want an advantage plan as you may find yourself out of network. what i found odd last year was the pricing re plan f and plan g. the only difference between the 2 plans (other than the fa...
by miles monroe
Sat Jul 28, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10481

Re: Peloton spin bike worth the high cost?

my ymca just got one (one!) as a test. it will be available for use starting monday. have to make a reservation to use it; which given the hype seems like a good idea. i doubt that i'll try it; i'm not an indoor bike person.
by miles monroe
Thu Jul 26, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 824
Views: 89312

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

just finished orange is the new black season 5 (i watched the first 4 seasons as soon as they came out) and will start watching season 6 when it starts tomorrow. i do stretching exercises every day (back issues) and break my rule of no TV until after supper as they are sooo boring and i need a distr...
by miles monroe
Sun Jul 22, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Am I secure using my computer for financial services?
Replies: 23
Views: 2945

Re: Am I secure using my computer for financial services?

i don't know enough to comment one way or the other, but on the vanguard security webcast last week they strongly recommended getting a VPN.

they also recommended getting a physical UBS "key".
by miles monroe
Thu Jul 19, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10384

Re: Amazon Prime Day 2018

i'm a very satisfied user of spotify, but for 99 cents for 4 months i signed up for amazon music. who knows; maybe i'll can spotify and save a couple bucks a month forever.
by miles monroe
Mon Jul 16, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10384

Re: Amazon Prime Day 2018

wasn't expecting to buy anything but yesterday my coffee maker broke. so i waited til today to shop -- saved $27.
by miles monroe
Sat Jul 14, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 8795

Re: Be Careful Using Mailboxes

someone stole a bill i paid with a check from my mailbox 3 years ago; they used the routing info on the check along with personal ID they had from someone else and created checks on a laser printer. they cashed one check for $500 and one debit transacton for $300. i caught this early only becasue i ...
by miles monroe
Sun Apr 15, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Can't afford health insurance -- options?
Replies: 23
Views: 2909

Re: Can't afford health insurance -- options?

OP here; thanks all the great ideas so far. I wasn't aware that he may be able to qualify for ACA, and Medicaid never crossed my mind. I'll look into both as well as the other suggestions. In response to a couple questions; (1) they live in Georgia, and (2) his wife makes about 9k which brings their...
by miles monroe
Sun Apr 15, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3685
Views: 1055615

Re: What Movie Have You Recently Watched?

pitch perfect 3.

i don't think they'll be a 4th.
by miles monroe
Sun Apr 15, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can't afford health insurance -- options?
Replies: 23
Views: 2909

Can't afford health insurance -- options?

Son makes 24k a year. Wife has part time retail job. Just had a baby.

He has family health insurance through his job -- 11K a year.

Anything I can suggest to him?
by miles monroe
Sat Apr 14, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Trust Tax Question
Replies: 1
Views: 205

Trust Tax Question

I'm not going to do the return -- that will be done by Dad's CPA -- but I'm going to do the extension. Mom passed away in Dec 2016. The trust tax ID was issued February 2017. Is this a short year return (initial return) since the ID was issued in 2017 or a full year return since Mom passed in 2016? ...
by miles monroe
Sat Mar 31, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 12749

Re: Underrated places to visit in U.S.?

1,000 places to see in the usa and canada before you die. available amazon and everywhere else.

https://images-na.ssl-images-amazon.com ... 3,200_.jpg
by miles monroe
Tue Mar 27, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 38
Views: 3445

Re: Digital alarm clock suggestions?

my 30 year old alarm clock has turned itself into a clock only -- which is ok as it has big numbers that i can easily see at night.

i use alexa as my alarm clock...

and if my wifi should happen to be down my cell phone is also used as a backup.
by miles monroe
Tue Mar 27, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 7168

Re: Concerns with Vanguard

I really do love Vanguard. They do not have to worry about their stock price like Schwab or enrich their owners like Fidelity. However, .... 2. With all my assets in cyberspace, does anyone else on forum have concerns about security? 3. Is anyone switching out of Vanguard or is this the usual commo...
by miles monroe
Mon Mar 26, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 10254

Re: Blasphemy... DO PEEK!

Call_Me_Op wrote:
Mon Feb 26, 2018 9:42 am
The reason you should peek, and peek frequently, is to be alerted to any fraud in your account(s).
exactly!

i hate to say it -- but there is a whole lot less wiggle room in schwabs fraud guarantee than there is in vanguards -- enough that i'm considering moving everything to schwab...
by miles monroe
Thu Mar 22, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 27083

Re: Anyone Deleting Facebook?

i have 5 friends (all old friends who tracked me down and sent a request) but i don't use it to socialize -- i follow about 25 businesses that i frequent just for news -- if it snows the ymca posts if they are closing or not, the theater posts new shows, restaurants post their hours and menus, the w...
by miles monroe
Sun Mar 18, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 6151

Re: Amazon Prime Going Sideways/Weird Shipment Problems

mikemagz11 wrote:
Sun Mar 18, 2018 8:55 am
I'm surprised to see people having issues. Maybe it's location, but I've ordered hundreds of items using Prime over the past few years and not a single one has come late.
same here. no issues.
by miles monroe
Thu Mar 15, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 7118

Re: Finally Cutting the Cord - YouTube TV

One negative in my experience is that sports don’t look great on youtubetv. I think it’s due to a low frame rate. Definitely inferior to cable. One work around is to stream games via the fox sports or espn apps using youtubetv login info. They seem to support a higher frame rate and at least subjec...
by miles monroe
Mon Mar 12, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6643

Re: Huge special assessment on Condo?

i've been looking at condos if i can find one that is walking distance to the downtown square where the restaurants/entertainment are located. both of the new/newish properties i've looked at have a 10% maximum limit on rentals. having seen the condo where my mom lived go from primarily owner to pri...
by miles monroe
Thu Mar 08, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Is this too much for a kitchen?
Replies: 69
Views: 7384

Re: Is this too much for a kitchen?

my house is worth 250k according to the online sites (zillow, etc) but i know that's high -- no more than 220k in my opinion based on neighborhood comps. i also got a estimate for my kitchen and attached half bath -- getting less work done than you -- and the estimate also came back at 42k. i told t...
by miles monroe
Wed Mar 07, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Switching to online bank. Keep brick/mortar bank account open?
Replies: 54
Views: 3833

Re: Switching to online bank. Keep brick/mortar bank account open?

safe deposit box.

and since i have it, much easier to deposit the occasional check than with the online bank.
by miles monroe
Mon Mar 05, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: re-siding house - vinyl or hardiplank?
Replies: 54
Views: 5927

Re: re-siding house - vinyl or hardiplank?

pre painted hardi here. not supposed to need painting for 15 years which i didn't believe -- but 5 years later it still looks as good as the day it was installed. now i believe. the contractor told me that pre painted is superior as it is always the perfect temperature and humidity in the factory --...
by miles monroe
Sun Mar 04, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3286
Views: 993026

Re: What Book Are You Currently Reading? Part VI

red sparrow.

and in a week or so that'll be in the "what movie ya watching" thread.
by miles monroe
Fri Mar 02, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2791

Re: Big umbrella increase: anyone else's risen dramatically?

$1 million policy; went $150 to $167 (just paid it). no change in personal circumstances.
by miles monroe
Thu Mar 01, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: [Manuka honey]
Replies: 36
Views: 2939

Re: [Manuka honey]

rather than buying new zealand or australian honey -- there is some thought that eating honey made locally will help with seasonal allergies. i have no idea if this is true as i luckily have no allergies.
by miles monroe
Thu Mar 01, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: [Manuka honey]
Replies: 36
Views: 2939

Re: [Manuka honey]

personally, i think sugar is sugar and manuka honey is this years kale. having said that, costco started selling comvita manuka honey this year -- they were giving out samples a couple weeks ago -- i lost interest when the rep told me it was $40 a jar. i noticed yesterday there is now a $10 instant ...
by miles monroe
Sun Feb 25, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 37
Views: 3864

Re: Amica reocurring double digit increases in homeowners insurance

I was a long time (20+ years) Amica person...then they abruptly dropped me completely when my then-19 year old got two speeding tickets. thank you for your loyalty. Since then, very good experience with Progressive. clark howard is an amica (and usaa) fan, but he cautions his listeners to only cons...
by miles monroe
Sat Feb 24, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: The Ethics of Filing a SS Restricted Application
Replies: 6
Views: 609

Re: The Ethics of Filing a SS Restricted Application

in my opinion, restricted applications should not exist and should be eliminated.

however, what you are doing is smart and totally legal -- no ethical or other issues.

but i still think they need to be done away with.
by miles monroe
Fri Feb 23, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Help! Buying my first sofa/couch
Replies: 27
Views: 1912

Re: Help! Buying my first sofa/couch

i'd check costco both in store and online.

and while i'm not a fan of ikea furniture given your circumstances i'd check them out as others have suggested.
by miles monroe
Wed Feb 21, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about selling GE to invest in an index fund
Replies: 25
Views: 3371

Re: Thinking about selling GE to invest in an index fund

i own some GE -- a lot less than 2% of my portfolio -- and there is no way i'd sell it now. i rode it down -- i'll (hopefully) ride it back up!
by miles monroe
Wed Feb 21, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 6351

Re: Multiple Offer situation/should we pull our offer?

Jack FFR1846 wrote:
Tue Feb 20, 2018 10:05 pm

Personally, I'd drop the offer by $2k and make sure to include an expiration date and time.
i think this is a great idea!
by miles monroe
Mon Feb 19, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 3096

Re: Is window replacement this expensive?

having spent (in round numbers) 10K to replace 25 windows -- i would have fainted if i had gotten your quote.
by miles monroe
Sun Feb 18, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12190

Re: Single People and Retirement Question

i have no problem at all traveling solo but i know we are all different.

Road Scholar (which used to be Elderhostel) has many, many trips both here and internationally and at all levels of activity.

https://www.roadscholar.org
by miles monroe
Wed Feb 07, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: Are Banks Worthless [to invest equity in]?
Replies: 32
Views: 3159

Re: Are Banks Worthless?

the ONLY reason i have a brick and mortar bank account is for the safe deposit box.