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Re: High end purses

In my opinion, "designer" purses look like old lady purses, similar to what my mother used to lug around (she actually carried a pair of pliers in her purse). They are too big and bulky and look more like carry-on luggage than anything. What on earth do these women put in them? I see wome...
by Curlyq
Sun Jul 13, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12895

Re: High end purses

In my opinion, "designer" purses look like old lady purses, similar to what my mother used to lug around (she actually carried a pair of pliers in her purse). They are too big and bulky and look more like carry-on luggage than anything. What on earth do these women put in them? I see women...
by Curlyq
Sun Jul 13, 2014 12:55 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12895

Re: Tiny House Movement

I once read an article that suggested to track how many rooms one used regularly and live in a house with the same number. I realized that I only used one bedroom for sleeping and one bedroom for home office/guests and didn't use the formal dining room or the formal living room, preferring the TV ar...
by Curlyq
Fri Jul 11, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 16010

Re: Extremely Heavy Duty Office Chair

Another vote for Steelcase. I got two Steelcase task chairs that were being given away by a defunct business about a dozen years ago. Except for the mild wear and tear on the seats, they are just like new. The seat height, back height, seat pitch, arm rest heights all adjust. I want to recover the s...
by Curlyq
Wed Jul 09, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Extremely Heavy Duty Office Chair
Replies: 15
Views: 1802

Re: How many Bogleheads golf?

Excellent thread. I don't take it too serious and enjoy being out on a course. I am also looking down the road as golf is a game one can play through retirement! I would love to someday golf in Florida. I got to golf at a nice Florida course (can't remember name now) several years ago (BTW, that wa...
by Curlyq
Sat Jun 28, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4458

Re: How many Bogleheads golf?

I golf 6-12 times per year on average. Generally at the munis or using specials to bring green's fees down. I will always walk and carry my clubs, unless course requires cart (rare). I don't like to pay more than $20-30 per round. Bought a new hybrid set off of eBay a few years ago and it has revolu...
by Curlyq
Sat Jun 28, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4458

Re: Retired Bogleheads want to relocate to California

Orange County is a big place. There are lots of older neighborhoods inland where you might be able to find a "cheaper" home. But, cost of housing will be a big part of your cost of living in SoCal. On the other hand, you might find savings on other things, such as heating/cooling, that mi...
by Curlyq
Fri Jun 27, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 7036

Re: "Being Done" Saving: White Coat Investor blog post

My hours at my job are being cut (again), now from 30 hours per week to 15 hours per week at the end of the year. Also by then, I won't have a mortgage and will have modest expenses. I'm considering not looking for another job, since I'm "mostly done" saving for retirement. My version of &...
by Curlyq
Fri Jun 27, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: "Being Done" Saving: White Coat Investor blog post
Replies: 47
Views: 7876

Re: Fed up with ATT

I give my Google Voice number to my students and other businesses. If they call or text me, I get an email in my Gmail account (the phone call is transcribed) and I call them back, either using my mobile or Google Voice or return the text via Google Voice. So far, this service is free and works very...
by Curlyq
Wed Jun 25, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 53
Views: 4887

Re: Help with smoky condo sought

I recently bought a new home and it has both nicotine stains on the walls and smelled of cigarette smoke, especially when the temps were warm. I immediately pulled the carpet and pad and prepped and sealed the slab floor with an oil-based primer. I installed a new hard surface floor. The place smell...
by Curlyq
Sat Jun 14, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Help with smoky condo sought
Replies: 15
Views: 1510

Re: Car for a long daily commute

I can't recommend a car (although I drove a Subaru during the time I had a long commute of 60-miles one-way over two mountain passes to a job in another state), but I do recommend that your wife look into books-on-tape and start picking away at her reading list. Personally, I won't drive a long comm...
by Curlyq
Tue Jun 10, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 6066

Re: Elio Car

Looks a little like an enclosed version of my touring scooter, the Piaggio MP3. http://www.piaggiousa.com/scooter/mp3-400.html Coincidentally, my MP3 gets right around 84 miles to the gallon highway. I recently rode a four-day, 600 mile trip in city and highway, mountains and flats, and averaged 75 ...
by Curlyq
Wed Jun 04, 2014 1:03 am
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 37
Views: 3413

Re: Growing Blueberries

Locally, we have a grower who sells a special version of blueberries that are short and thick -- hedgelike, thus my idea to use them instead of a boxwood. I'm guessing that they will fill in faster than other types of blueberries. I've read that blueberries fruit on third-year stalks, so your experi...
by Curlyq
Tue May 20, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Growing Blueberries
Replies: 30
Views: 2627

Re: Growing Blueberries

Bump for this thread. I'm looking to grow a version of "hedge-like" evergreen blueberries in lieu of a boxwood hedge, with the idea to have an edible crop.
by Curlyq
Tue May 20, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Growing Blueberries
Replies: 30
Views: 2627

Re: New PC - Buy Office or use free alternatives

My students get a Sky Drive account and with it, can use an online version of MS Office for free. I just checked and it's called "One Drive" now. I think it's competing with Google Docs.
by Curlyq
Mon May 19, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 29
Views: 2115

Re: Are Single Premium Annuities a good deal?

What i don't see as part of this discussion is that peoples' cognitive abilities to manage their money generally starts to decline in their 70s. They may not even realize it. I think this factor needs to be considered. Annuitization may help protect income in this case. The costs of annuitization ne...
by Curlyq
Thu May 15, 2014 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: Are Single Premium Annuities a good deal?
Replies: 91
Views: 4358

Re: I like the investment strategy , not really the lifestyl

I roughly follow the budgeting method called "The 60 Percent Solution." My percentages are slightly different than what this method suggests, but basically, I use my bank's billpay to pay all of the necessary bills and retirement savings automatically and I freely spend what is leftover. I...
by Curlyq
Thu May 08, 2014 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: I like the investment strategy , not really the lifestyle
Replies: 67
Views: 6664

Re: Article on Amish approach to personal finance

I have a rag rug in my bathroom that my grandmother made and am saving clothes scraps to make my own. Supposedly, we have Pennsylvania Dutch in our family history. Maybe that's why I gravitated towards the Bogleheads... :)
by Curlyq
Tue May 06, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Article on Amish approach to personal finance
Replies: 12
Views: 1962

Re: If you have ACA health insurance, what is your experien

Another "pro" vote for ACA. When my full-time job was eliminated, I could stay part-time and purchase ACA insurance. I got most of my doctors in the new network for roughly the same price I was paying for premiums with group insurance through work. With a pre-existing condition (cancer), I...
by Curlyq
Tue Apr 22, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 222
Views: 16504

Re: Mr. Money Mustache: Hero or Foolish?

Everyone says we need to all be consumers to keep our economy going, but what if we could all just have less stuff, all work less, and all be happier, have more time with our families and strengthen our local communities. I think this would actually make people less happy, but that's another discus...
by Curlyq
Fri Apr 11, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 35073

Re: Mr. Money Mustache: Hero or Foolish?

I would like to hear from Mr. MM's fans, if some are still following this thread - and remember, I am one of his fans to a large degree. If prosperity changes your Mr. Money Mustache, will you still love him? I'm not quite sure why you seem to betting on MMM failing, but my thoughts are that he has...
by Curlyq
Wed Apr 09, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 35073

Re: Why Americans are Retiring Overseas

Is there a low-cost retirement place with abundant snow skiing? That's been my problem all along. My skin can't handle the beach- or rain forest-type weather and I'm a snow person.
by Curlyq
Tue Apr 08, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: Why Americans are Retiring Overseas
Replies: 109
Views: 11918

Re: Why pay off your house?

One less bill to worry about. Simplification feels good.
by Curlyq
Tue Apr 08, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 9143

Re: Mr. Money Mustache: Hero or Foolish?

Hero, for me. He offers an alternative to the accepted consumeristic life so common in the U.S. and it doesn't appear that he and his family are suffering for it. He also encourages a healthy lifestyle that is aligned with the financial independence viewpoint. I haven't seen any other blog or forum ...
by Curlyq
Tue Apr 08, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 35073

Re: Advice needed on behalf of MIL

How about some (or most) of the money into an SPIA? The "vultures" can then only bankrupt her each month, but not the whole "nut." There's only so much you can control, unless you put her on a budget and dole out the money directly to pay the bills.
by Curlyq
Thu Mar 20, 2014 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed on behalf of MIL
Replies: 26
Views: 1517

Re: "Re-selling" Online

eBay is not that bad. I use it all of the time for easily shipped items that have some decent value. As my purpose for selling on eBay is strictly to downsize, I usually start with a purchase price of $0.99 with no reserve and let the online marketplace determine the final value. I am usually pleasa...
by Curlyq
Thu Mar 13, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: "Re-selling" Online
Replies: 11
Views: 1005

Re: House too small; what to do?

In addition to the addition :D, take everything out of your house. Then, only put half of the items back. Maybe build a shed in the backyard to hold less-frequently used items. If you already have a shed and it's full, take everything out of it and only put half of the items back and consider adding...
by Curlyq
Thu Mar 13, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: House too small; what to do?
Replies: 38
Views: 3524

Re: Selling my house to friends

I went through a similar situation last year around this time. My friends loved my house and we were in the same ballpark in regards to purchase price. I went to start the sales contract with my attorney and told the buyers that I needed "proof of funds." Well, you would have thought that ...
by Curlyq
Thu Mar 13, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling my house to friends
Replies: 12
Views: 1680

Re: Keurig vs normal coffeemaker?

Turns out that Keurig coffee costs between $35 and $120 a pound . You can get amazing, freshly roasted coffee beans on Amazon for ~$6 a pound. Not to mention that Keurig cups are not environmentally friendly. The resources to make all those plastic cups, which are then thrown away -- such as waste....
by Curlyq
Sat Feb 01, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 8403

Re: Keurig vs normal coffeemaker?

Turns out that Keurig coffee costs between $35 and $120 a pound . You can get amazing, freshly roasted coffee beans on Amazon for ~$6 a pound. Not to mention that Keurig cups are not environmentally friendly. The resources to make all those plastic cups, which are then thrown away -- such as waste.
by Curlyq
Sat Feb 01, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Keurig vs normal coffeemaker?
Replies: 131
Views: 8403

Re: Does anyone have a bat house?

A relative of mine has a bat house, located fairly high up on a tree near the swimming pool. Bats inhabited the bat house fairly quickly after it was installed. Each night, the bats exit the bat house and eat all of the mosquitoes, making sitting by the pool in the evenings a much more pleasant expe...
by Curlyq
Wed Jan 29, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 1960

Re: Most Efficient Way to Heat a Home

How about a solar furnace? Once built, you have free heat whenever the sun shines. builditsolar.com is a good resource. This is assuming that you have done everything you can to caulk, weather seal, improve insulation, and lower your heating temps (wear sweaters, use heating pad on floor at home off...
by Curlyq
Mon Jan 27, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Most Efficient Way to Heat a Home
Replies: 86
Views: 5525

Re: buying latex mattress online

Over the past few years, I've purchased two mattresses, some pillows, and a topper from foambymail.com. The prices were the cheapest I could find and the quality is very good. Shipping was quick and customer service was excellent. No issues at all. I love sleeping on latex.
by Curlyq
Mon Jan 27, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: buying latex mattress online
Replies: 14
Views: 1026

Re: "150 Portfolios Better Than Yours"

Emergdoc, I hope that your book is very successful and that you are well-rewarded for writing it. Your blog has helped some of my high-earning friends and relatives very much. They were not interested in the Bogleheads book nor the Bogleheads website (not sure why, arrogance, ignorance, or silliness...
by Curlyq
Sat Jan 25, 2014 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: "150 Portfolios Better Than Yours"
Replies: 52
Views: 5209

Re: Dating - Best Way of Meeting People

On the guy's side of dating, here is an interesting case where a woman posted a fake profile written to make her appear as a horrible person, but with beautiful pictures of a model. She got numerous messages each day despite the nasty personality: http://abcnews.go.com/Lifestyle/pretty-woman-worst-...
by Curlyq
Thu Jan 23, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Dating - Best Way of Meeting People
Replies: 70
Views: 4116

Re: Dating - Best Way of Meeting People

On the guy's side of dating, here is an interesting case where a woman posted a fake profile written to make her appear as a horrible person, but with beautiful pictures of a model. She got numerous messages each day despite the nasty personality: http://abcnews.go.com/Lifestyle/pretty-woman-worst-o...
by Curlyq
Thu Jan 23, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Dating - Best Way of Meeting People
Replies: 70
Views: 4116

Re: Letting go: Classic textbooks

Take your most precious books and use them as decorations. I particularly like the three books used as relief artwork in the bathroom in the seventh picture in this online article:

http://www.houzz.com/decorating-with-books

The rest, say goodbye, and recycle them.
by Curlyq
Fri Jan 17, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Letting go: Classic textbooks
Replies: 54
Views: 4157

Re: Free Online Concerts

David Bowie's concerts on Youtube. My favs are his Live at the BBC concert in 2000 and his 2002 Berlin concert. In my opinion, Bowie is a musical genius. He turned 67 yesterday (Jan. 8). I saw him live in the Berkeley Theatre two months before he had his heart attack and retired.
by Curlyq
Thu Jan 09, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Free Online Concerts
Replies: 8
Views: 911

Re: Time for a new dentist?

I had one dentist who wanted to whiten my teeth and told me that I needed veneers. I declined both treatments. Then, he told me that I had 14 cavities. I declined treatment and got a new dentist. That was 30 years ago. I've never had a cavity in that time and my current dentist is quite happy with m...
by Curlyq
Thu Jan 09, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Time for a new dentist?
Replies: 8
Views: 900

Re: Save those $1 Bills

I put my loose change, $1s, and $5s into a jar. Each year, this "stash" pays for a big chunk of my vacation!
by Curlyq
Fri Dec 27, 2013 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Save those $1 Bills
Replies: 22
Views: 3904

Re: My company won't support my HMO/HSA from ACA

However, if one's HSA contributions do not come out of one's paycheck, then you will be paying FICA/medicare taxes before you contribute just like someone who was unemployed and used this health plan. It's not the end of the world though. And congrats on going part-time! That should give you lots m...
by Curlyq
Thu Dec 26, 2013 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: My company won't support my HMO/HSA from ACA
Replies: 4
Views: 333

My company won't support my HMO/HSA from ACA

My employment status is changing from full-time to part-time on January 6th and my medical insurance is going away. I got the letter on December 19 and had to scramble to purchase an ACA insurance plan by December 23rd to have insurance start January 1. I decided to go with an HMO/HSA Bronze plan of...
by Curlyq
Thu Dec 26, 2013 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: My company won't support my HMO/HSA from ACA
Replies: 4
Views: 333

Re: oriental rugs

Craigslist is your friend. I've seen many very nice Oriental rugs selling on Craigslist for pennies on the dollar.
by Curlyq
Thu Nov 21, 2013 9:49 pm
 
Forum: Personal Consumer Issues
Topic: oriental rugs
Replies: 17
Views: 1000

Re: Journal of my bike tour from Missoula, MT to Jasper, AB

Raybo, have you ever considered a Bike Friday (and the checkable suitcase/trailer) as a bike touring option?
by Curlyq
Wed Nov 13, 2013 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Journal of my bike tour from Missoula, MT to Jasper, AB
Replies: 19
Views: 1184

Just caught two students lying

Just a quick vent. I just caught two students lying. They were both absent from class last week, giving different reasons. Today, I receive two more different reasons why they were missing class, only to find out that they were standing next to each other when making the calls. I don't know what the...
by Curlyq
Mon Jun 24, 2013 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Just caught two students lying
Replies: 1
Views: 952

Re: Spanked on Retirement, Gen X Still Doesn't Get It

I'm a Boomer/Gen X cusper. My parents were "Matures" and taught me lessons from living through the depression. X'ers are a generation away from this knowledge. This might be one difference, although I've met plenty of Boomer's who were "drunk on credit" just like everyone else an...
by Curlyq
Mon Jun 24, 2013 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: Spanked on Retirement, Gen X Still Doesn't Get It
Replies: 60
Views: 11653

Re: Unnerving Phone Call Late Last Night

I know a couple that have blocked their numbers. I don't answer blocked calls and sometimes my friends ask why I don't answer their calls. I've told them that they'll need to unblock their calls to me before I will answer. It turns out that they have a lot of bill collectors calling them. It's their...
by Curlyq
Sun Jun 23, 2013 11:21 am
 
Forum: Personal Consumer Issues
Topic: Unnerving Phone Call Late Last Night
Replies: 47
Views: 6342

Re: Planning to leave an inheritance

stemikger wrote:Thanks everyone, I appreciate the advice.


My 86-year old dad's portfolio is 40/60, which he chose as a blend between his preferred asset allocation and his offspring's.
by Curlyq
Thu Jun 20, 2013 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Planning to leave an inheritance
Replies: 11
Views: 1389

Re: Observations with Amazon Prime

Amazon is know for adjusting prices etc based on purchase habits. Out of curiosity, do you have any examples of this? I've never heard of that. I found a calculator on amazon for four bucks. I've bought calculators from them in the past. I emailed the link to my sister, and the price said $5.99. Sa...
by Curlyq
Tue Jun 18, 2013 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Observations with Amazon Prime
Replies: 47
Views: 4799
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