Search found 192 matches

by bhwabeck3533
Wed Jul 28, 2021 12:51 pm
Forum: Personal Consumer Issues
Topic: Best way to learn golf
Replies: 34
Views: 2896

Re: Best way to learn golf

The greatest golf book ever written, find a copy and do exactly what Ben Hogan says. This will give you the basics. https://www.amazon.com/Ben-Hogans-Five-Lessons-Fundamentals/dp/0671723014/ref=asc_df_0671723014/?tag=hyprod-20&linkCode=df0&hvadid=312029778645&hvpos=&hvnetw=g&hvr...
by bhwabeck3533
Mon Jul 26, 2021 7:24 am
Forum: Personal Consumer Issues
Topic: Delete gmails
Replies: 19
Views: 3462

Re: Delete gmails

No. Archived emails count in your storage quota. Once they are all moved to the archive account, you can delete them from your current account (just be sure the current account and archive account are NOT linked via IMAP) and it will free up all of that storage quota on your active account. Thank y...
by bhwabeck3533
Mon Jul 26, 2021 7:11 am
Forum: Personal Consumer Issues
Topic: Delete gmails
Replies: 19
Views: 3462

Re: Delete gmails

LeftCoastIV wrote: Mon Jul 26, 2021 5:02 am Note that archive and delete are different concepts in gmail:

https://www.nytimes.com/2018/06/15/tech ... elete.html
I have thousands of gmails and don't want to delete them. If I archive all of them, will I free up storage space?
by bhwabeck3533
Mon Jul 26, 2021 7:11 am
Forum: Personal Consumer Issues
Topic: Delete gmails
Replies: 19
Views: 3462

Re: Delete gmails

LeftCoastIV wrote: Mon Jul 26, 2021 5:02 am Note that archive and delete are different concepts in gmail:

https://www.nytimes.com/2018/06/15/tech ... elete.html
I have thousands of gmails and don't want to delete them. If I archive all of them, will I free up storage space?
by bhwabeck3533
Sun Jul 25, 2021 7:08 am
Forum: Personal Consumer Issues
Topic: Vacation Websites -- Gulf Coast Rentals
Replies: 3
Views: 612

Vacation Websites -- Gulf Coast Rentals

Is there any difference in the "customer satisfaction" delivery by the numerous organizations who administer vacation rental properties? My most recent experiences with "TurnKey Vacation Rentals" were quite poor, especially this year with a week-long stay in Gulf Shores, AL. We h...
by bhwabeck3533
Sat Jul 17, 2021 6:42 am
Forum: Personal Consumer Issues
Topic: Battery Powered Lawn Mowers
Replies: 60
Views: 6032

Re: Battery Powered Lawn Mowers

I have this one and couldn’t be happier. Cuts just as good as my gas mower and is much quieter so I can listen to podcasts while I mow without ruining my hearing. https://www.homedepot.com/p/RYOBI-40V-HP-Brushless-21-in-Cordless-Battery-Walk-Behind-Dual-Blade-Self-Propelled-Mower-with-2-6-0-Ah-Batt...
by bhwabeck3533
Wed Jul 14, 2021 10:34 am
Forum: Personal Finance (Not Investing)
Topic: FIRECalc -- Question?
Replies: 7
Views: 1112

Re: FIRECalc -- Question?

Thesaints wrote: Wed Jul 14, 2021 10:30 am I guess FireCalc considers a pension as a reduction in withdrawals, not as an asset.
Your guess was also my assumption regarding how the tool is constructed. Just looking for affirmation from anyone who has a similar scenario to mine.
by bhwabeck3533
Wed Jul 14, 2021 10:27 am
Forum: Personal Finance (Not Investing)
Topic: FIRECalc -- Question?
Replies: 7
Views: 1112

FIRECalc -- Question?

Thanks for pointing out the FIRECalc tool. I just posted the following on https://www.early-retirement.org/ forum. Look over my inputs and critique accordingly. I better not fall in love with the Monte Carlo outcome (my "pot of gold" survived in all 116 economic cycles) until I hear from y...
by bhwabeck3533
Tue Jul 13, 2021 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Decumulation Calculator - Feedback
Replies: 15
Views: 1687

Re: Decumulation Calculator - Feedback

The author of the book had a couple calculators created as well, but I'm not a fan of them: https://www.diewithzerobook.com/spend-curve-app As noted, Firecalc, cfiresim and others are helpful too. I checked "Die With Zero" out of the library a couple days ago, have not cracked the cover y...
by bhwabeck3533
Sun Jul 11, 2021 12:02 pm
Forum: Personal Consumer Issues
Topic: DIY Indoor Custom Shutter?
Replies: 3
Views: 426

Re: DIY Indoor Custom Shutter?

I got a quote yesterday at Home Depot for one Veneta custom shutter (46" x 46" bathroom window which does not open). With the 20% discount it was $368. Yes, this is material and shipping only, I will do the installation. I have not shopped around, and feel my best advice will come from yo...
by bhwabeck3533
Sat Jul 10, 2021 7:50 am
Forum: Personal Consumer Issues
Topic: DIY Indoor Custom Shutter?
Replies: 3
Views: 426

DIY Indoor Custom Shutter?

I got a quote yesterday at Home Depot for one Veneta custom shutter (46" x 46" bathroom window which does not open). With the 20% discount it was $368. Yes, this is material and shipping only, I will do the installation. I have not shopped around, and feel my best advice will come from you...
by bhwabeck3533
Sat Jul 10, 2021 7:24 am
Forum: Personal Finance (Not Investing)
Topic: When did (do) you increase your spending?
Replies: 78
Views: 7823

Re: When did (do) you increase your spending?

Shortly before retirement (at 66), I had a CFP evaluate my plan using a somewhat conservative annual spend. (The plan included large irregular spends, like painting home and new car). The results indicated that in the worst case scenario, I would probably die with more $$ than I started with at ret...
by bhwabeck3533
Sat Jul 10, 2021 7:00 am
Forum: Personal Consumer Issues
Topic: Delta Skymiles: MQM Status Boost?
Replies: 4
Views: 573

Re: Delta Skymiles: MQM Status Boost?

One thing to be aware of is that reserve card boosts are giftable. After your statement close you should receive an email with a link to elect to give the boost to your skymiles account. If you don’t take that action they will go to your account after 90 days. So if your statement has been closed f...
by bhwabeck3533
Fri Jul 09, 2021 8:24 am
Forum: Personal Consumer Issues
Topic: Delta Skymiles: MQM Status Boost?
Replies: 4
Views: 573

Re: Delta Skymiles: MQM Status Boost?

bob60014 wrote: Fri Jul 09, 2021 7:42 am Head over to the Delta forum on Flyer talk. Those folks there and on the other airlines boards always seem to be "in the know".
Thank you. I was not aware of the Delta forum..."heading that way now".
by bhwabeck3533
Fri Jul 09, 2021 7:19 am
Forum: Personal Consumer Issues
Topic: Colleges for STEM/CS kid - Overall rank or engineering/CS rank?
Replies: 154
Views: 10377

Re: Colleges for STEM/CS kid - Overall rank or engineering/CS rank?

I think she wants a good (well ranked) school, leans towards mid sized (i.e. not a jumbo Big 10), not too cold school. Also, she likes a pretty campus. But she's open to looking at a lot. That kinda sounds like Georgia Tech to me. I am in Atlanta now and Georgia Tech is in downtown Atlanta so at le...
by bhwabeck3533
Fri Jul 09, 2021 7:11 am
Forum: Personal Consumer Issues
Topic: Delta Skymiles: MQM Status Boost?
Replies: 4
Views: 573

Delta Skymiles: MQM Status Boost?

Yes, I've tried reaching out directly to Delta, and it's a LONG wait to get a reply so trying you all while I wait on Delta.. I reached an "MQM Status Boost" milestone via my AmEx Delta Reserve card spend about three weeks ago. I should have received 18,750 MQMs on my Skymiles account (pus...
by bhwabeck3533
Fri Jul 09, 2021 6:42 am
Forum: Personal Consumer Issues
Topic: Colleges for STEM/CS kid - Overall rank or engineering/CS rank?
Replies: 154
Views: 10377

Re: Colleges for STEM/CS kid - Overall rank or engineering/CS rank?

I think she wants a good (well ranked) school, leans towards mid sized (i.e. not a jumbo Big 10), not too cold school. Also, she likes a pretty campus. But she's open to looking at a lot. That kinda sounds like Georgia Tech to me. My son went to Georgia Tech, undergrad through PhD (Mech Engr). Perf...
by bhwabeck3533
Sun Jul 04, 2021 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance before Medicare
Replies: 15
Views: 1408

Re: Health insurance before Medicare

My father is 62 and almost 63. My mother is 2 years younger. Both are getting anxious to retire soon. Any tips or tricks on how to shop for health insurance before Medicare? It makes me nervous but I want them to enjoy their life. They are both fairly healthy and grow weary of their jobs. They both...
by bhwabeck3533
Wed Jun 30, 2021 6:44 am
Forum: Personal Consumer Issues
Topic: Replace Kaspersky with ??
Replies: 33
Views: 3002

Replace Kaspersky with ??

A response I received from a previous post (VPN related) follows: Bogle64Pilot wrote: ↑Tue Jun 15, 2021 4:17 pm I would not use any Kaspersky product. They are a Russian state-run information operation. +1 https://www.wsj.com/articles/u-s-govern ... _permalink https://en.wikipedia.org/wiki/Kaspersky...
by bhwabeck3533
Mon Jun 28, 2021 11:44 am
Forum: Personal Consumer Issues
Topic: Disposing Parent's Household Belongings
Replies: 40
Views: 4297

Disposing Parent's Household Belongings

My wife's parents live in large home in a very rural part of the southern US. They have not separated themselves from much of their "stuff" (married for 65 years, have lived in same town for all these years). On short notice, most likely, everything inside the home must be removed. There a...
by bhwabeck3533
Fri Jun 25, 2021 2:18 pm
Forum: Personal Consumer Issues
Topic: Battery Powered Lawn Mowers
Replies: 60
Views: 6032

Re: Battery Powered Lawn Mowers

chw wrote: Fri Jun 25, 2021 1:06 pm Battery life is close to 2 hours.
Defining "battery life" a bit differently....do batteries wear out and need to be replaced? How many hours of use before they will not hold a charge?
by bhwabeck3533
Fri Jun 25, 2021 11:50 am
Forum: Personal Consumer Issues
Topic: Battery Powered Lawn Mowers
Replies: 60
Views: 6032

Battery Powered Lawn Mowers

I just finished cutting my lawn with my neighbor's EGO 21 inch, 56 volt self-propelled lawn mower. It was my first experience using a cordless mower, and many of the features were good: maneuverable, easy start, bagging system, quiet. Now, let me ask about meeting objective number one -- an evenly c...
by bhwabeck3533
Fri Jun 25, 2021 7:53 am
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 282
Views: 25408

Re: Federal tax return

Anybody still waiting for their Federal tax return ? I filed in March before they changed about taxing unemployment pay from 2020 income . Still waiting for my adjustment check (I assume you are referring to your refund because you overpaid federal income taxes). Here's the answer I received from t...
by bhwabeck3533
Fri Jun 25, 2021 7:15 am
Forum: Personal Consumer Issues
Topic: August vacation suggestions?
Replies: 11
Views: 1845

Re: August vacation suggestions?

I am trying to plan for an August vacation for my 10-year old son and I. We live in Texas so I would like to avoid super hot temperatures. DS is not vaccinated so the trip has to be domestic. OK, get ready for a shocker....Upper Michigan. If you want to enjoy cool temperatures, natural beauty, no c...
by bhwabeck3533
Mon Jun 21, 2021 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Impending retirement - pension, etc., questions.
Replies: 6
Views: 1173

Re: Impending retirement - pension, etc., questions.

My current invested assets are in the mid seven-figures range, with about a 50-50 split between stock and bonds+cash (I am quite cash-heavy at the moment, as I may buy a more expensive house in retirement). So the pension would be a nice contribution to my retirement, but it would not be the domina...
by bhwabeck3533
Wed Jun 16, 2021 5:20 pm
Forum: Personal Consumer Issues
Topic: Home Water Quality: Commercial Evaluation?
Replies: 6
Views: 689

Re: Home Water Quality: Commercial Evaluation?

I have significant and disturbing samples now. Who will test them for me? The black slime growing in/on our bathroom and kitchen faucets, as well as shower heads, has been a nuisance for awhile. I had samples tested by the local municipality which supplies the water, and it was determined to be beni...
by bhwabeck3533
Wed Jun 16, 2021 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts About Blue Cross Blue Shield Settlement - Class Action Antitrust Lawsuit
Replies: 60
Views: 23217

Re: Thoughts About Blue Cross Blue Shield Settlement - Class Action Antitrust Lawsuit

I generally do go ahead as long as it's only a few minutes of my time. I've received some surprise checks over the years so it's worth the 5 minutes, since it's money I never expected to get in any case. More than a handful of us have "put our hat in the ring" with the hope of getting a s...
by bhwabeck3533
Tue Jun 15, 2021 6:58 am
Forum: Personal Consumer Issues
Topic: Tips [how much to tip movers]
Replies: 3
Views: 587

Re: Tips

My son worked as a mover last summer. I was amazed at the tips he got. Routinely, after moving a family into or out of a house, he’d get $50-$100 tip, and there were 3-4 other guys with him. My wife and I have moved about six times using all the big brand-name moving companies. We tipped the driver...
by bhwabeck3533
Tue Jun 15, 2021 6:42 am
Forum: Personal Consumer Issues
Topic: Securing a VPN (Virtual Private Network)
Replies: 77
Views: 6321

Re: Securing a VPN (Virtual Private Network)

OP is clearly a non-technical user, likely senior citizen, worried about risk when connecting to a threatening environment (untrusted wifi in airports and hotels, of all places). The problem with this advice is that we’re implicitly endorsing OP to connect to an unsafe network to conduct his busine...
by bhwabeck3533
Sun Jun 13, 2021 6:50 am
Forum: Personal Consumer Issues
Topic: Securing a VPN (Virtual Private Network)
Replies: 77
Views: 6321

Re: Securing a VPN (Virtual Private Network)

A VPN provides no additional security over HTTPS, which your browser and the majority of websites out there already use. It does a little. Without a VPN, others on the network would know who you are communicating with. For example, they could see that you are connecting to Bogleheads.org. They coul...
by bhwabeck3533
Thu Jun 10, 2021 3:46 pm
Forum: Personal Consumer Issues
Topic: Securing a VPN (Virtual Private Network)
Replies: 77
Views: 6321

Re: Securing a VPN (Virtual Private Network)

Any of the major VPNs will be fine as long as you’re not trying to outfox the CIA or something like that. Paying will get you better speed and service. Also the suggestion to use mobile data instead is a good one. I have been using my cell phone for the hotspot option. Always like to have a plan B....
by bhwabeck3533
Thu Jun 10, 2021 3:15 pm
Forum: Personal Consumer Issues
Topic: Securing a VPN (Virtual Private Network)
Replies: 77
Views: 6321

Securing a VPN (Virtual Private Network)

AARP is recommending the use of a VPN to avoid Airport and Hotel Wi-Fi hacks. Seems like a smart idea and relatively inexpensive (they quote $30 to $100 per year).

Two questions:
1. What are your experiences with a VPN services?
2. Where do I apply for one/which are the best?

Thanks.
by bhwabeck3533
Tue Jun 08, 2021 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Can't Transfer Out of Vangaurd MM Fund
Replies: 9
Views: 1603

Re: Can't Transfer Out of Vangaurd MM Fund

I was trying to move some money out of my Vanguard money market fund (VMMXX) to my local bank account today when I encountered the message "This fund is closed to new investors." and would not let me proceed. Is this just a temporary glitch or is there another larger issue that I'm not aw...
by bhwabeck3533
Mon Jun 07, 2021 7:03 am
Forum: Personal Consumer Issues
Topic: Home Water Quality: Commercial Evaluation?
Replies: 6
Views: 689

Home Water Quality: Commercial Evaluation?

The black slime growing in/on our bathroom and kitchen faucets, as well as shower heads, has been a nuisance for awhile. I had samples tested by the local municipality which supplies the water, and it was determined to be benign. They suggested that a new house (like ours) is very "tight" ...
by bhwabeck3533
Sat Jun 05, 2021 6:40 am
Forum: Personal Finance (Not Investing)
Topic: VanguardAdvantage: All-In-One Checking Account Return?
Replies: 71
Views: 6570

Re: VanguardAdvantage: All-In-One Checking Account Return?

Bama12 wrote: Fri Jun 04, 2021 9:33 pm Never had the checking with Vanguard.

Wasn't it one of the worst accounts for checking?
Yes, the check writing aspect to VanguardAdvantage was flawed. But the bill-paying feature worked well, which was of more value to me.
by bhwabeck3533
Fri Jun 04, 2021 6:32 am
Forum: Personal Finance (Not Investing)
Topic: VanguardAdvantage: All-In-One Checking Account Return?
Replies: 71
Views: 6570

VanguardAdvantage: All-In-One Checking Account Return?

A couple years ago Vanguard eliminated their "All-In-One Checking Account" (VanguardAdvantage). I'm curious whether it (or something similar) could be available to Vanguard investors again. Yesterday during my annual courtesy call from my VG representative, he telegraphed a signal that VG ...
by bhwabeck3533
Thu Jun 03, 2021 8:20 am
Forum: Personal Consumer Issues
Topic: AMA Discharge: Collateral Damage?
Replies: 20
Views: 2368

Re: AMA Discharge: Collateral Damage?

OnTrack2020 wrote: Thu Jun 03, 2021 7:46 am I cannot imagine this being an issue with any insurance company, especially as they usually want you to leave the hospital as soon as possible.
I understand your point. Still waiting to hear from anyone who suffered consequences from going against AMA?
by bhwabeck3533
Thu Jun 03, 2021 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Will Vs Living Trust
Replies: 17
Views: 1622

Re: Will Vs Living Trust

4. My Mom's house is held in my Dad's trust, which is a firewall to anyone seeking her assets (such as an Assisted Living facility). Sounds like a great plan (#4). What if Mom had passed first? Then Dad's trust wouldn't be a firewall to anyone, right? Pretty much luck how it worked out. -----------...
by bhwabeck3533
Thu Jun 03, 2021 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Will Vs Living Trust
Replies: 17
Views: 1622

Re: Will Vs Living Trust

I have a will and Living trust related question.  Below is a summary of my situation. (5) I live in Michigan. Thank you in advance for your guidance.  My Mom is widowed, lives in Escanaba (a Yooper), and has both a will and a trust administered by the local bank. My Dad had set up a trust for himse...
by bhwabeck3533
Thu Jun 03, 2021 6:28 am
Forum: Personal Consumer Issues
Topic: AMA Discharge: Collateral Damage?
Replies: 20
Views: 2368

AMA Discharge: Collateral Damage?

My aunt had open heart surgery about three weeks ago. She was discharged from the hospital to a rehab center. After a day or two, she talked her son into taking her home "early". My wife spent two weeks with her to help her get stronger. She is doing very well now. Fast forward to a couple...
by bhwabeck3533
Mon May 31, 2021 5:57 am
Forum: Personal Consumer Issues
Topic: both Tennis Channel and Tennis Channel Plus?
Replies: 14
Views: 1235

Re: both Tennis Channel and Tennis Channel Plus?

I have just signed up for SlingTV Orange with Sports Extra package just to get Tennis Channel for Roland Garros. But it seems that I am forced to watch whichever match TC chooses to be the main one to showcase. If I sign up for Tennis Channel Plus will I get to watch the showcase match in addition ...
by bhwabeck3533
Fri May 28, 2021 6:09 am
Forum: Personal Consumer Issues
Topic: Best travel company for senior active travel
Replies: 14
Views: 2791

Re: Best travel company for senior active travel

In US we've done Backroads. Looked into Butterfield & Robinson. Booked a U-Tracks "boat & bike" in Provence, France just before Covid hit. We have until 2022 to take the trip. Looking forward to it. I have a personal itinerary for Dolomites if you are interested PM me. I DIYed this...
by bhwabeck3533
Thu May 20, 2021 7:07 am
Forum: Personal Consumer Issues
Topic: Informational only - COVID vaccine record
Replies: 14
Views: 1379

Re: Informational only - COVID vaccine record

If you got the small card when you went for your vaccine; check to see if your hospital or Dr's group uses MyChart (EPIC medical records). Noticing that after signing in, go to Menu > My Record > COVID-19 > click on green link. Showing both doses, date, type of vaccine administered, manufacturer, l...
by bhwabeck3533
Mon May 17, 2021 6:20 am
Forum: Personal Consumer Issues
Topic: Bose Wave SoundTouch System IV
Replies: 8
Views: 967

Re: Bose Wave SoundTouch System IV

Does anybody out there in BogleheadLand have the Bose Wave SoundTouch System IV? If so, what do you think of it? I have both the Bose SoundTouch 20 https://www.bose.com/en_us/support/products/bose_speakers_support/bose_smarthome_speakers_support/soundtouch-20-wireless-music-system.html and the smal...
by bhwabeck3533
Mon May 03, 2021 10:43 am
Forum: Personal Consumer Issues
Topic: Transplanted Satsuma Tree
Replies: 4
Views: 518

Transplanted Satsuma Tree

Yes, I have Googled the topic above. Really not getting the specifics I'm looking for. So, here goes.... I live in South Alabama. I transplanted a satsuma tree in late-January. The tree was originally planted (by me about two years ago) in a location where rain water flowing off the roof knocked all...
by bhwabeck3533
Fri Apr 30, 2021 4:32 pm
Forum: Personal Consumer Issues
Topic: Blue Cross Blue Shield (Alabama) Settlement Notice?
Replies: 6
Views: 732

Re: Blue Cross Blue Shield (Alabama) Settlement Notice?

I got two emails with different numbers. Maybe because I was on both an employer plan and COBRA? I moved to Alabama in 2017 and had BCBS policy through 2020, not working and not on Medicare. I had high premiums in 2017 and 2020 ($1600/month last year for myself and DW). Finessed a subsidy for 2018-...
by bhwabeck3533
Fri Apr 30, 2021 4:12 pm
Forum: Personal Consumer Issues
Topic: Blue Cross Blue Shield (Alabama) Settlement Notice?
Replies: 6
Views: 732

Re: Blue Cross Blue Shield (Alabama) Settlement Notice?

GTBuzz wrote: Fri Apr 30, 2021 4:01 pm This sounds like the same discussion that is already ongoing here:

viewtopic.php?t=346367
Yes. Looks the same. I cannot believe I did not see the OP and ensuing thread of replies. I'm on the forum every day.
by bhwabeck3533
Fri Apr 30, 2021 3:47 pm
Forum: Personal Consumer Issues
Topic: Blue Cross Blue Shield (Alabama) Settlement Notice?
Replies: 6
Views: 732

Blue Cross Blue Shield (Alabama) Settlement Notice?

Anyone else receive an email from BCBS today? Wondering if it's legit. Would it be worth filing a claim? If you purchased or were enrolled in a Blue Cross or Blue Shield health insurance or administrative services plan between 2008 and 2020, a $2.67 billion Settlement may affect your rights. YOUR UN...
by bhwabeck3533
Wed Apr 28, 2021 6:31 am
Forum: Personal Finance (Not Investing)
Topic: How much longer will we see this from Vanguard
Replies: 20
Views: 3016

Re: How much longer will we see this from Vanguard

It's been over a year now and I would think that companies such as Vanguard would be savvy enough to figure out how to hire and train customer service reps, esp. since it seems this could all be done remotely. Remote work is in demand as long as it pays a decent wage. Maybe I'm being insensitive an...
by bhwabeck3533
Tue Apr 27, 2021 6:58 am
Forum: Personal Consumer Issues
Topic: BH like forums for medical/health related issues?
Replies: 9
Views: 1060

Re: BH like forums for medical/health related issues?

I wonder if anyone can share a forum for medical/heath issues? I'm hoping one as good as bogleheads (just wishful thinking :happy ) mayo clinic has forums but they are not that active. I'm not trying to do self diagnose or become an expert. But sometimes, you need some pointers for talk to doctor. ...