Search found 1372 matches

by mrc
Wed Nov 28, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: TSP Unveils Plans for Expanding Withdrawal Options
Replies: 27
Views: 2604

Re: TSP Unveils Plans for Expanding Withdrawal Options

we're planning to move DWs TSP to TIAA in Vanguard Institutional funds early next year. The ER is lower, Say what? That seems unlikely. Current TSP ER is 0.032-0.033%. If TIAA has lower ERs, they can't be much lower. This page suggests TIAAs' ERs are 20X those of the TSP. We have access to Vanguard...
by mrc
Wed Nov 28, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: TSP Unveils Plans for Expanding Withdrawal Options
Replies: 27
Views: 2604

Re: TSP Unveils Plans for Expanding Withdrawal Options

On a different branch of the OP's subject line, I hope that TSP provides flexibility in changing monthly withdrawals without providing a new notarized spouse signature form (on paper) every 90 days. That would really make that flexibility not very flexible. Keep an eye out for any news on this issu...
by mrc
Tue Nov 27, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: social security SSA44
Replies: 6
Views: 914

Re: social security SSA44

Page 5 of the instructions spell out the conditions. See if you can make your dates, events, and income amounts work out. Seems to me you have a case now that 2019 income will be less that your 2017 income and most importantly, less than $85K.
by mrc
Mon Nov 26, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Facebook follow question
Replies: 6
Views: 598

Re: Facebook follow question

I have a read only FB account. I use it to follow some closed group of interest. I never post anything. I do not click on any embedded article: If someone posts a reference, I go to the source site and search for the content by name. I don't click through (notice that the link may say washingtonpost...
by mrc
Mon Nov 26, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 5599

Re: Robot Vacuum Cleaner?

I also didn't not enjoy the roomba. I found it was quicker and quieter to use a broom to sweep up the dog hair. Of course, I have hard wood floors throughout. If you have carpet you will probably benefit from automated vacuuming twice a week. Allergists recommend hardwood over carpet. I've removed ...
by mrc
Mon Nov 26, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 5599

Re: Robot Vacuum Cleaner?

I sold my two Roombas after spending more time cleaning and repairing them than it took to run a broom around several pet-accessible rooms with hardwood floors. Mind you I had the enhanced 'turbo' collection bins and brush upgrades too. Lots of hair wraps around the brushes and isn't easy to clear. ...
by mrc
Fri Nov 23, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 16704

Re: Black Friday 2018

Alexa9 wrote:
Thu Nov 22, 2018 8:54 pm
c.coyle wrote:
Thu Nov 22, 2018 10:42 am
This morning I was looking to buy a 4 by 6 foot rubber mat for my weightlifting room.
Those are around $30-40 at Tractor Supply
$43 with store pickup online.
by mrc
Thu Nov 15, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: High lumen outdoor LED bulbs
Replies: 6
Views: 623

Re: High lumen outdoor LED bulbs

Perhaps something like this would work. 3000K may appear whiter then incandescent, 2500 lumens. I've noticed these LED A-style bulbs can be a little larger, so check measurements carefully. It's 23 watts. I am not aware of any that are outdoor rated unless they are PAR-type.
by mrc
Tue Nov 13, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: 30" or 36" induction range for remodel?
Replies: 46
Views: 4150

Re: 30" or 36" induction range for remodel?

First thing I did when I bought my current home was to rip out the Thermador 36" gas cooktop, and replace it with a 36" Kenmore induction cooktop. I would never consider any cooktop other than induction. Much safer, power efficient, and I don't burn fossil fuels . I'm very much a kind of cook at ho...
by mrc
Tue Nov 06, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: House for sale - new sink and tub OR reglaze?
Replies: 9
Views: 1079

Re: House for sale - new sink and tub OR reglaze?

We once visited a house with a badly chipped and stained tub/shower. There was a card on the vanity that said something like the owners are willing to contribute a $1000 allowance for the tub of your choice at settlement. It was a nice touch, and something I appreciated over a big-box store solution...
by mrc
Tue Nov 06, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 42
Views: 5348

Re: TurboTax on TaxMarkDown.com

Also following this thread with interest. Is there any benefit to the CD version vs the download version (presumably the same version). For example, if your hard drive crashes, can you re-download the download version? Practically speaking, the install image you download rapidly becomes obsolete gi...
by mrc
Tue Nov 06, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 42
Views: 5348

Re: TurboTax on TaxMarkDown.com

duplicate
by mrc
Tue Nov 06, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: Furnace Duct Cleaning-a high profit game?
Replies: 31
Views: 3614

Re: Furnace Duct Cleaning-a high profit game?

I installed filters on the return grates and clean them weekly. The filter at the furnace still gets a little dirty, but the return filters prevent everything they catch from even entering the ductwork. We have dogs, which throw off a surprising amount.
by mrc
Mon Nov 05, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: Household statements
Replies: 15
Views: 1236

Re: Household statements

Vanguard? Maybe edit the post's title.
by mrc
Fri Nov 02, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Tick Prevention for Dogs
Replies: 10
Views: 760

Re: Tick Prevention for Dogs

We use Frontline Plus for fleas and tick. Lyme (deer) ticks are tiny. Buy online, not from your vet, where the markup is quite high. Assume you're using a heartworm preventative too, like Heartgard or Sentinel (again, we get a paper Rx from the vet and order online).
by mrc
Fri Nov 02, 2018 5:43 am
Forum: Personal Consumer Issues
Topic: Equifax Data Breach
Replies: 10
Views: 1526

Re: Equifax Data Breach

I never signed up as I don't see the point in credit monitoring. All my credit is frozen. I think this is the best approach. Freeze your credit so no one can see it, including the bad guys or the 'monitoring' services. After the OPM breach, the monitoring agency could not tell us much unless we unf...
by mrc
Sun Oct 28, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 4194

Re: When to get a new toilet?

Since you are an out of town landlord and am assuming you don’t want to do the work yourself, I’d get a new toilet rather than pay the plumber labor to replace the moving parts. +1. Yes, toilet parts are cheap, but OP is paying a plumber to replace those parts every year, which isn't cheap. So the ...
by mrc
Sun Oct 28, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 4194

Re: When to get a new toilet?

28-years is old for shoes, but not a toilet. Our builder-quality toilets are 29 years old, and non have the original innards. You should be able to replace all the innards for under $30. No-float Fill valve for $11. I've used these types for 20 years and they work great. Fluidmaster flapper $6. Mayb...
by mrc
Sun Oct 28, 2018 4:35 am
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 64
Views: 11622

Re: Gutters and gutter guards

The gutters on the back of my house are three stories high, and there is a deck walkway and screen porch blocking access from the ground. If I place an extension ladder on the deck, the angle is creepy steep. The screen porch gable roof is closer to the gutter level, but the angles make for unsteady...
by mrc
Fri Oct 26, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Sound reduction in large house
Replies: 17
Views: 2238

Re: Sound reduction in large house

I'm the one that bought it up, so sorry about that. Carpet and window treatment, along with ordinary soft furniture results in a quiet (normal size) house everywhere I've lived. Even with honeycomb shades and hardwood floors the house is livable. Every time I visit a friend in a McM, or even a more ...
by mrc
Fri Oct 26, 2018 7:25 am
Forum: Personal Investments
Topic: Roth conversions from old company 403b
Replies: 3
Views: 362

Re: Roth conversions from old company 403b

Thanks Exit. Good to know the 403b funds can be place in a Roth. Tons written and posted about conversions, but that detail is difficult to find. When we moved funds from TIAA to Fidelity for the Roths, one check went right through and the account was funded within days. The other check got hung up ...
by mrc
Thu Oct 25, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: "Donating" unused family burial "spots"
Replies: 21
Views: 2124

Re: "Donating" unused family burial "spots"

I looked into this for my mom a while back. I discovered unwanted plots (in small rural cemeteries) have virtually no resale value. And it's not like you can drop it off as a donation at the local Goodwill or Salvation Army. I wondered about donating it to a veteran or someone more needy. But the ce...
by mrc
Thu Oct 25, 2018 4:00 pm
Forum: Personal Investments
Topic: Roth conversions from old company 403b
Replies: 3
Views: 362

Roth conversions from old company 403b

My wife is planning to convert some TIAA 403b funds to her existing Fidelity Roth IRA in 2019 and 2020. She will stop working in mid-January 2019 and at age 68 has two years before SS and RMDs. She has no tIRA now, just the Roth IRA. Q1: Can she convert 403b funds directly to a Roth IRA (at a differ...
by mrc
Wed Oct 24, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 28165

Re: PSA: Don't buy a big house

While we're griping about houses, let me add that I hate the space wasted by the jetted bath tub in our master bath. What a useless item that is annoying to clean. We're currently using it to store some cleaning supplies. :annoyed +1MM Our "super bath" easily ran the hot water tank out, and the jet...
by mrc
Tue Oct 23, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 28165

Re: PSA: Don't buy a big house

No one has mentioned my wife's objection to two-story foyers/great rooms and open floor plans of these McMansions: The noise is unbearable. Fire up a blender in the kitchen and the folks watching TV in a the great room can't hear the sound—even though it's often a different ZIP code.
by mrc
Tue Oct 23, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: House has major repair issues right after buying... options
Replies: 27
Views: 2425

Re: House has major repair issues right after buying... options

Wow that sucks... and I agree with the caution to beware of flippers. But look n the bright side - its just a couple of shower rebuilds. Could have been a lot worse - you could have had a bad roof, or a failing foundation, or found out the entire heating system had to be replaced. Next month ... :w...
by mrc
Sun Oct 21, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: No power in half the house
Replies: 17
Views: 1804

Re: No power in half the house

What was the cause?! Based on a prior poster's response, I think the neighborhood transformer blew out. I called the power company and they said it was equipment failure. There were three trucks out here between 1 am and 10 am. I'm glad it was resolved quickly and without involving an electrician, ...
by mrc
Sun Oct 21, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: No power in half the house
Replies: 17
Views: 1804

Re: No power in half the house

What was the cause?!
by mrc
Sun Oct 21, 2018 4:40 am
Forum: Personal Finance (Not Investing)
Topic: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed
Replies: 30
Views: 3117

Re: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed

I left AAA in September for CostCo's insurance affiliate (Ameriprise in my area). Saved $500 and got another 2% discount from using CostCo card to pay. This got me thinking about our insurance (auto, home, umbrella). So I went to the Costco/Ameriprise website and started with a home quote. I was su...
by mrc
Mon Oct 15, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: de-balling down comforter?
Replies: 7
Views: 650

Re: de-balling down comforter?

Clumping is a sign it's not completely dry. You'll want to dry it completely to prevent mold. Drying on warm for longer than you think. The tennis balls are a great idea. It sounds awful, but it works. My understanding is you can have it washed professionally, but never dry clean down. Front loader ...
by mrc
Sun Oct 14, 2018 2:57 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 497
Views: 162505

Re: Forum software upgrade bug reports and change requests

Don't think is OS or browser, but rather mobile device size. I can reproduce this using Chrome's Inspect Element tool if I set my device to iPhone 5/SE (320px wide) but it works properly on iPhone 6/7/8 (375px wide). I can confirm I'm seeing the same behaviour using Chrome on iOS 12.01. Device is i...
by mrc
Fri Oct 12, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 15856

Re: Tips for staying active / injury-free into older age

We switched (high omega-6) from flax to fish oil (high omega-3 EPA/DHA). One reason why here . Decide for yourself which best helps you stay most active and injury free. Good quality (liquid) fish oil is more expensive than flax seed oil, especially in the required quantities. But so is a knee repla...
by mrc
Fri Oct 12, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Lost Power for 24 hours - what food to toss?
Replies: 49
Views: 3720

Re: Lost Power for 24 hours - what food to toss?

If you kept the door shut ... Looking over that chart, a run to Costco, Trader Joes, Wegmans, and the dry cleaners on a hot summer day means I should toss everything from the first store when I get home. I leave eggs out on the counter overnight. They cook better at room temp. Anything that smells o...
by mrc
Fri Oct 12, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: ProFed Fed Employee Retirement workshop: FA sales or legit help?
Replies: 13
Views: 1357

Re: ProFed Fed Employee Retirement workshop: FA sales or legit help?

Your husband's agency HR department should have everything he needs to know at the ready. Retiring from federal service isn't an event, it's a process. Whether FERS/CSRS also matters. A good place to start is the OPM retirement website , but little takes the place of the agency contact. It's good to...
by mrc
Thu Oct 11, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity announces simplified index fund structure]
Replies: 20
Views: 2992

Re: Fidelity simplified fund structure announced

Correct. Email going out to existing shareholders now in prep for November. I brought it up because some tickers subject to change.
by mrc
Thu Oct 11, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity announces simplified index fund structure]
Replies: 20
Views: 2992

Fidelity simplified fund structure announced

[Thread merged into here, see below. --admin LadyGeek] Email communication from today announcing: A simplified index fund structure—we're moving away from multiple share classes to just one. Updated fund names and fund symbols Additionally, as of August 1, every investor now receives the lowest cos...
by mrc
Sun Oct 07, 2018 2:57 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 5375

Re: Should I, and how, act on changes in managing diet and health?

The food industry loves diets of all shapes and sizes because they can manufacture new food products that cater to those diets. As for which diet to choose, I recommend that you consult with your medical professional . That is akin to asking an Edward Jones rep, "What should I do with my $2M nest e...
by mrc
Thu Oct 04, 2018 5:02 am
Forum: Personal Consumer Issues
Topic: Apple - macOS Mojave
Replies: 35
Views: 3291

Re: Apple - macOS Mojave

If you use Backblaze for remote backups, be sure to upgrade the client before the OS. Backblaze sent out reminders to customers about heightened security policies within the OS that results in loss of access to some files with the older client.
by mrc
Wed Oct 03, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Remember traveler's checks? How to cash a forgotten stash
Replies: 29
Views: 3804

Re: Remember traveler's checks? How to cash a forgotten stash

Have you checked the VISA travelers checkques website?

Contact us, we’re here to help.
by mrc
Wed Oct 03, 2018 11:33 am
Forum: Personal Investments
Topic: Roth contributions when working part year maxing 401k
Replies: 5
Views: 326

Re: Roth contributions when working part year maxing 401k

This is helpful.

Last year's W-2 reveals all. Medicare wages - 401k (all pretax) = box 1 total.

Makes sense: You must earn all the money you set aside in a 401k and IRA.

We'll be careful about excess contributions.

Appreciate the advice.
by mrc
Wed Oct 03, 2018 9:11 am
Forum: Personal Investments
Topic: Roth contributions when working part year maxing 401k
Replies: 5
Views: 326

Roth contributions when working part year maxing 401k

I searched but Roths are a popular and complex topic and I can't find an answer to this question: One spouse is still working, and will work for several months in 2019, then retire. She intends to elect highest 401k contributions possible to attempt to max annual limit prior to separating. This will...
by mrc
Tue Oct 02, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Asphalt driveway replacement
Replies: 21
Views: 2170

Re: Asphalt driveway replacement

Another vote for concrete. Previous owners already resurfaced our driveway, so it was a touch higher than the garage floor. Every time it rained the garage took on water. I had dedicated shoes and clothes for the biannual re-coat job. The cost to replace with concrete was 2.5 that of grinding and re...
by mrc
Mon Oct 01, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 77
Views: 9551

Re: Bose Noise Cancelling Headphones

Are these good if you have intrusive tinnitus? For me, any background noise (a fan or motor running, radio, white noise at night) masks my tinnitus. Headphones do too. What I can't stand is dead silence, because the hiss/ring of my tinnitus becomes too loud to ignore. A noise cancellation headphone...
by mrc
Sun Sep 30, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2701

Re: city water sewer vs well septic

All else being equal, I would choose city water and sewer. With all of the chemicals folks like to spray on their lawns and flowers, wells run the risk of contamination. At least with the city water, they run tests on it regularly. We currently have well and a septic tank and have had no issues wit...
by mrc
Sun Sep 30, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2701

Re: city water sewer vs well septic

Unless you are choosing between two nearly identical homes, one with septic, one on muni, does it matter? Chose the house you like best. I don't know which of the two has the higher costs overall, but in our experience living in both types, septic costs are more sporadic compared to the more regular...
by mrc
Sat Sep 29, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: For real liquid cod liver oil.........?
Replies: 16
Views: 1313

Re: For real liquid cod liver oil.........?

jehovasfitness wrote:
Sat Sep 29, 2018 12:55 pm
wilked wrote:
Sat Sep 29, 2018 9:57 am
Carlson’s.

It should be pretty easy to find
This. Keep in fridge
+2 Carlson's liquid fish oil and/or cod liver oils among the best quality. The liquids are the best value as well compared to the tiny amounts of the substances you are after in most gelcaps.
by mrc
Fri Sep 28, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: SS 2019 COLA could be close to 3%
Replies: 55
Views: 6454

Re: SS 2019 COLA could be close to 3%

Has anybody noticed that today's millennium teenager will be getting $378,943 per year in SS benefits if she earns SS max every year for 35 years of her career? Oh, to be young has its advantages :-) Ref: https://www.ssa.gov/oact/tr/TR01/lr3B5-m.html Seriously, am I reading that chart wrong?? Yeah,...
by mrc
Fri Sep 28, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Public Student Loan Forgiveness Program Rejects 99% of Applicants
Replies: 27
Views: 2668

Re: Public Student Loan Forgiveness Program Rejects 99% of Applicants

Yeah, start charging for k-12 too, entitled kids think they can just get a free ride all the way through HS I’ll bite, lol..... We already do. I’m paying over $6k/year to our local ISD through property taxes. And we have NO kids. I’m already more than doing ‘my part’ for other people’s choice to po...
by mrc
Thu Sep 27, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3737

Re: When do you need a hearing aid

The reality of it is, is that the longer you go without hearing well, the harder it is to recognize some words, after you are fitted with hearing aids. You tend to forget what they sound like, and it takes a moment to process the sound. People with profound hearing loss that go an extended period o...
by mrc
Tue Sep 25, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Which type of Primary Care Physician?
Replies: 54
Views: 4503

Re: Which type of Primary Care Physician?

dm200 wrote:
Tue Sep 25, 2018 5:21 pm
mrc wrote:
Tue Sep 25, 2018 5:15 pm
A geriatrician would not be out of line for a primary, otherwise I'd go with an internist.
As far as I can tell, "geriatrics" is not an identified Kaiser category for Physicians.
Please don't me mad at me, but that's one reason I don't care for Kaiser's HMO model.