Search found 167 matches

by bhwabeck3533
Wed Jun 16, 2021 5:20 pm
Forum: Personal Consumer Issues
Topic: Home Water Quality: Commercial Evaluation?
Replies: 6
Views: 625

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: 57
Views: 20754

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: 524

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: 74
Views: 5329

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: 74
Views: 5329

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: 74
Views: 5329

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: 74
Views: 5329

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: 1561

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: 625

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: 6246

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: 6246

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: 2273

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: 1544

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: 1544

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: 2273

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: 1179

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: 2166

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: 1292

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: 916

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: 508

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: 677

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: 677

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: 677

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: 2934

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: 1002

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. ...
by bhwabeck3533
Thu Apr 15, 2021 6:34 am
Forum: Personal Consumer Issues
Topic: Advice on where to stay Kiawah Island, SC
Replies: 10
Views: 1063

Re: Advice on where to stay Kiawah Island, SC

We are thinking about taking our college kids to Kiawah Island, SC when they are done school. Early May. We have never been to this area and looking for recommendations on places to stay (rent). Noticed on Kiawah Island there is East Beach and West Beach. Golfing, beach and sightseeing would be on ...
by bhwabeck3533
Sun Apr 11, 2021 7:06 am
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 54
Views: 3447

Re: Travel Trailer vs My Pickup Truck: Specs?

OP here. Back story now. I wanted to "dip my toe" into the RV life. An inexpensive option was to buy a small travel trailer and pull it with the truck I now drive. The advice and feedback I received here was invaluable and clear. The scenario will not work. I need a bigger truck or go the...
by bhwabeck3533
Sat Apr 10, 2021 7:17 am
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 54
Views: 3447

Re: Travel Trailer vs My Pickup Truck: Specs?

OP here. Back story now. I wanted to "dip my toe" into the RV life. An inexpensive option was to buy a small travel trailer and pull it with the truck I now drive. The advice and feedback I received here was invaluable and clear. The scenario will not work. I need a bigger truck or go the ...
by bhwabeck3533
Fri Apr 09, 2021 2:05 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 54
Views: 3447

Travel Trailer vs My Pickup Truck: Specs?

Question, can I pull the following trailer with my truck? Travel Trailer Weight (2019 Dutchmen - Coleman LightFloorplan: 1805RB): Dry Weight: 4,448 lbs. Payload Capacity: 3,152 lbs. Hitch Weight: 529 lbs. I have a 2015 Nissan Frontier SV (Crew Cab 2WD - 6 Cylinder, 4.0 litre) with towing package. My...
by bhwabeck3533
Wed Apr 07, 2021 10:50 am
Forum: Personal Consumer Issues
Topic: Shoe Choice for a Walker
Replies: 33
Views: 2754

Shoe Choice for a Walker

My wife and I walk about five miles every day (sometimes up to ten miles). The miles take a toll on my walking shoes, and I'm ready to replace my second pair of Solomon X-Ultra 3 hiking shoes (most recent pair purchased on 11/8/2020). The heel end of the sole has worn through. Price is not an issue ...
by bhwabeck3533
Tue Apr 06, 2021 6:49 am
Forum: Personal Consumer Issues
Topic: Browser/Website Issues: Where do you get help?
Replies: 18
Views: 1216

Re: Browser/Website Issues: Where do you get help?

OP, it sounds like your ad blockers or some such is causing the difficulty. Try disabling them and see how you go. I have been using Weather Bug for years on my android smart phone, and have found it very useful for my purposes. Use it also on my desktop as well. It wasn't my AdBlocker, maybe my an...
by bhwabeck3533
Mon Apr 05, 2021 6:59 am
Forum: Personal Consumer Issues
Topic: Browser/Website Issues: Where do you get help?
Replies: 18
Views: 1216

Browser/Website Issues: Where do you get help?

I am basically a Google Chrome user, some sites Firefox works better so I'll go with it. I'd say I am quite tech-savvy for a Baby Boomer. That said, I get frustrated when simple web related features quit working on a website. Weather.com is my latest challenge. I have it pinned as one of my bookmark...
by bhwabeck3533
Sat Mar 27, 2021 10:07 am
Forum: Personal Consumer Issues
Topic: Bad Breath: Solutions, Products?
Replies: 19
Views: 1204

Re: Bad Breath: Solutions, Products?

Maybe a water-pik might help as well as brushing and flossing. It would also improve your gum health. I use one every day and couldn't imagine not using it on a daily basis. +1 However, when I recently upgraded my Water Pick, even he had to admit that my gums had never looked better. OK, I am the O...
by bhwabeck3533
Sat Mar 27, 2021 8:33 am
Forum: Personal Consumer Issues
Topic: Bad Breath: Solutions, Products?
Replies: 19
Views: 1204

Bad Breath: Solutions, Products?

OK, it's time to work on my bad breath. Yes, I need to brush and floss more. I do see the dentist twice a year for cleanings.

Any recommendations regarding mouthwash or toothpaste products which are more effective for BB?
by bhwabeck3533
Tue Mar 23, 2021 6:48 am
Forum: Personal Consumer Issues
Topic: Alabama Vacation: Orange Beach vs Gulf Shores?
Replies: 14
Views: 2095

Alabama Vacation: Orange Beach vs Gulf Shores?

I'm close to pulling the trigger on our July family beach vacation in Alabama. I'm trying to decide on Gulf Shores versus Orange Beach. And it comes down to city ordinances and enforcement of "beach rules". We have experience with the less populated beach areas west of Gulf Shores. We can ...
by bhwabeck3533
Mon Mar 22, 2021 7:25 am
Forum: Personal Consumer Issues
Topic: Seniorly.com
Replies: 2
Views: 560

Seniorly.com

My Mom has indicated she is ready to transition to a "continuing care community" (CCRC). That's good news, she lives alone in her home and is 94 years old. She has identified a facility near my sister's home, so I decided to look into it. I thought I was using the CCRC's website to complet...
by bhwabeck3533
Sat Mar 20, 2021 7:23 am
Forum: Personal Investments
Topic: Fisher is Contacting Me?
Replies: 24
Views: 2403

Fisher is Contacting Me?

Fisher Investments contacted me via email. I know little about them. I am a content Vanguard DIY investor. I have a "wondering out loud question", why haven't I met a single person who has talked openly about using Fisher to manage their money? I run into folks who use Edward Jones, Schwab...
by bhwabeck3533
Mon Mar 15, 2021 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust Services - minimum sensible size of assets.
Replies: 25
Views: 2483

Re: Vanguard Trust Services - minimum sensible size of assets.

Here is the fee structure for Members Trust Company, owned by US credit unions: First $500,000 of trust assets1.25% Next $1,500,000 1.00% Next $1,000.000 0.80% Next $1,000,000 0.75% Over $4,000,000 0.70% Minimum annual fee of $1,875 applies Here is the fee schedule for a full service Bank & Tru...
by bhwabeck3533
Sun Mar 07, 2021 7:47 am
Forum: Personal Consumer Issues
Topic: 10 day road trip vacation around Lake Michigan
Replies: 31
Views: 2547

Re: 10 day road trip vacation around Lake Michigan

Anyone familiar with the area have any pointers, we'll be hotel/AirBnB-ing it as opposed to RV/camping. You're going to have a great trip. Your itinerary looks good (and, yes, definitely exchange Mackinac Island for Mackinaw City). I'm a displaced Yooper and quite familiar with the UP options. I wo...
by bhwabeck3533
Sun Mar 07, 2021 7:31 am
Forum: Personal Consumer Issues
Topic: Helping my elderly mother
Replies: 25
Views: 1915

Re: Helping my elderly mother

It's tough to be alone with no money. "It's tough to be alone WITH money". I live in Alabama, I am currently typing this note from my 94-year old Mom's house in Upper Michigan. I'm here for a few more days. Objective #1 of this visit was to keep her company and assess her ability to carry...
by bhwabeck3533
Fri Mar 05, 2021 10:30 am
Forum: Personal Consumer Issues
Topic: Airport lounges
Replies: 24
Views: 3235

Re: Airport lounges

As a fairly frequent traveler, I find lounges to be worthwhile when I'm stuck in an airport for a connection. If I have 2+ hours to kill, I usually like to hunker down somewhere that I have access to decent wifi, some beverages and snacks, and an actual table to set my stuff on while I work. Yester...
by bhwabeck3533
Wed Mar 03, 2021 7:47 am
Forum: Personal Consumer Issues
Topic: How much do you pay your tax professional?
Replies: 60
Views: 6555

Re: How much do you pay your tax professional?

Is this in line with market rates? What are you paying? I volunteer for RSVP and prepare and file taxes for the public. I have also volunteered with AARP's TaxAide service in the past. Both great organizations. The service is free. Very few "scope" limitations, we help just about everyone...
by bhwabeck3533
Wed Mar 03, 2021 7:38 am
Forum: Personal Consumer Issues
Topic: Seasonal Mold - Carport?
Replies: 4
Views: 380

Seasonal Mold - Carport?

We've been living in this house in coastal Alabama since May 2017. The last three moist and cool winters have resulted in severe black mold growth on the ceiling of the carport. It's painted white plywood, which makes the mold very apparent. I've tried treating it with a variety of mold killers, pre...
by bhwabeck3533
Fri Feb 26, 2021 7:59 am
Forum: Personal Consumer Issues
Topic: Baseball cards - worth anything?
Replies: 49
Views: 6404

Re: Baseball cards - worth anything?

Buy a diamond (or a mint card) and then ask the seller what they will pay you for it. FWIW. I am 65-years old, bought thousands of baseball and football cards with my own nickels and dimes (1963-1967). I still have many of these cards. They are not mint, I loved to hold and sort them. I had them as...
by bhwabeck3533
Sun Feb 21, 2021 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Cash: a survey
Replies: 95
Views: 6569

Re: Cash: a survey

I think its a very personal answer. In total, whether you call it a day to day checking account, an emergency fund, a car fund, a home purchase funds, or part of fixed income, there can be a variety of reasons to have it be more than $10K. If one had over $100K in cash that wasn't targeted for a ho...
by bhwabeck3533
Sun Feb 21, 2021 7:49 am
Forum: Personal Finance (Not Investing)
Topic: (Attempting) to do my own taxes for the first time this year
Replies: 19
Views: 1293

Re: (Attempting) to do my own taxes for the first time this year

theplayer11 wrote: Sat Feb 20, 2021 8:28 pm freetaxusa. You don’t need to buy any software.
Check for volunteer tax prep sites in your area, sponsored by AARP and RSVP. Free service, plus friendly and highly trained staff.
by bhwabeck3533
Tue Feb 16, 2021 11:07 am
Forum: Personal Finance (Not Investing)
Topic: On the way? [Financial Review]
Replies: 25
Views: 2435

Re: On the way?

It is interesting how our numbers are so different. With the starting numbers and using the formula I have, just adding $1,625/mo (aka max 401K for the year) I am getting the numbers I posted. So why did your model get $1.6Mish? When you said you added annual income, what impact does that have on y...
by bhwabeck3533
Sun Feb 14, 2021 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: On the way? [Financial Review]
Replies: 25
Views: 2435

Re: On the way?

Would be interested in your model and how you got the number from the last post. Since my model does not account for income (work or business related), it totally ignored your annual income, which you did not include in the OP. So, I assumed you were hauling in $100K (after tax) annually. Voila, yo...
by bhwabeck3533
Fri Feb 12, 2021 9:15 am
Forum: Personal Finance (Not Investing)
Topic: On the way? [Financial Review]
Replies: 25
Views: 2435

Re: On the way?

socialforums2019 wrote: Fri Feb 12, 2021 8:53 am
jackb1117 wrote: Fri Feb 12, 2021 8:45 am
socialforums2019 wrote: Fri Feb 12, 2021 7:46 am
bhwabeck3533 wrote: Fri Feb 12, 2021 7:41 am One basic and critical piece of info needed....your anticipated annual expenses.

Sorry, that was monthly
Yikes! You don't want to know what the outcome of the model is with these updated expenses....
by bhwabeck3533
Fri Feb 12, 2021 8:37 am
Forum: Personal Finance (Not Investing)
Topic: On the way? [Financial Review]
Replies: 25
Views: 2435

Re: On the way?

One basic and critical piece of info needed....your anticipated annual expenses. Pre-retirement: $9.5K Post-retirement: $6K Please note, the above includes $1.6K of "wants" (Subscriptions, gym membership, personal funds, etc.) so it is able to fluctuate, but assuming at minimum we keep a ...