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Re: Just need to vent

op here. I didn't plan on saying anything to my parents. I just needed to express my frustration I guess. Larryinnewyork. I really wasn't kidding about selling the farm. I am not kidding when I say I am married to a working farmer myself. He is out combining soybeans as I write this. I am so happy I...
by Lilly
Sun Oct 05, 2014 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just need to vent
Replies: 16
Views: 3478

Just need to vent

My parents are 95 and 96 years old. They have been investing with Edward Jones since 1983, when they sold the family farm. My older sister, who is a CPA, has been helping them with their investments since then. I pulled out of Edward Jones about 8 years ago, after I discovered the Bogleheads. My par...
by Lilly
Sun Oct 05, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just need to vent
Replies: 16
Views: 3478

Re: favorite brand name products

cascade
Heinz
Hellman's
Crest
Charmin
Sweet Baby Ray
Hershey's syrup
Vanguard
A1


Lily
by Lilly
Mon Sep 29, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 3003

Re: When to throw out childhood toys? Encourage me please.

My son's acquired lots of trophies medals while in school. When they bought their first homes, I gave them boxes of memories. They gave the trophies and medals to the Special Olympics. Great way to recycle, instead of throwing.

Peace,

Lily
by Lilly
Mon Sep 22, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2434

Re: When did you downsize?

We moved from a 10 acre hobby farm, with several out buildings, to a 1 story one level living ranch in town. House is 100 square ft bigger in town. The only out building we have now is a garage. We have a nice sized lot with room for a nice garden. We are very happy we made the move. Best wishes, Lily
by Lilly
Sat Aug 16, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: When did you downsize?
Replies: 35
Views: 3356

Re: Telephone Calls! Help! [Telemarketing phone calls]

Yesterday our phone # showed up on caller ID along with some initials and our last name. I answered it. It was Citi Bank. They called using our name and #. What next?

Best wishes,
Lily
by Lilly
Fri Aug 15, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7565

Re: How do you address your inlaws and being addressed?

I addressed my inlaws by using their first names. One dnlaw calls me by my first name. The other always calls me Grandma. I am wondering if this is because her Mom died when she was 17 and would like to think of me as a mother figure but not so much she wants to call me mother/mom. So Grandma it is....
by Lilly
Sun Aug 10, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4880

Re: Ideas for dining inexpensively

We like to pick up food at Texas roadhouse. We get a 6oz steak, a large salad, a large baked potato with trimmings and 4-6 fresh buns with honey butter on the side. $9.99 + tax. Eat at home with our beverages.

Lily
by Lilly
Tue May 27, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4723

Re: over 55 communities

by LadyIJ » Tue May 27, 2014 8:41 am so what are the favorites? and the pros and cons for those of you living in We love all the activities: Dancing, yoga, cards, dominoes, shuffle board, bocce ball, tennis, pickle ball, swimming and various classes. My husband loves the big shop with all the tools...
by Lilly
Tue May 27, 2014 12:56 pm
 
Forum: Personal Consumer Issues
Topic: over 55 communities
Replies: 16
Views: 2004

Re: over 55 communities

Lady IJ, My husband and I are snowbirds in Fl. It is a 55 community and most of the homes are 1 bedroom mobile homes, with large FL room or 2 bedroom mobile homes. We rented for 1 month and bought a home before the month was over. Lots of people rent for the season. Most of these rentals are taken c...
by Lilly
Mon May 26, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: over 55 communities
Replies: 16
Views: 2004

Re: Roll Call for the Retirement Class of 2014!

I retired as of Jan 1,2014. I love it. My newest hobby is teaching line dancing at our senior center. I would like to start some other activities also. Love having the time to watch my grandchildren in their activities. I have a larger garden. I want to redo our 3 season porch. Love it, love it. Bes...
by Lilly
Mon May 19, 2014 7:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 228
Views: 21466

Re: Where would you retire, if $ were no object?

Right here in small town MN. Close to my parents, my children, my grands and my lifelong friends. We do spend 3 months each winter in an adult playground in Estero FL.

Lily
by Lilly
Tue Apr 29, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 19386

Re: Favorite Christmas Gift

My best gift was a fluffy yellow stuffed duck. My 3 year old grand daughter picked it out for me. She was so excited about it and kept telling me I could keep it and it was mine. It was the joy in which the gift was given that made it my favorite.

Happy New Year!!
Lilly
by Lilly
Sat Dec 28, 2013 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Christmas Gift
Replies: 43
Views: 2240

Re: What Was Your Best Portfolio move in 2013

I don't know if it was a best move or not yet. Who knows these things? Yesterday I moved most of my small cap value into my short term bond fund. This was in my IRA account. I was getting too long on stocks.

Hope you all have a fantastic new year.
Lilly
by Lilly
Fri Dec 27, 2013 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7731

Re: New Year's Eve

We will have 3 of our grandchildren overnight. I change the clocks 2 hours ahead. If it's nice, we go outside and look at stars and play in the snow. Then we come in and have hot chocolate and toast. Maybe play some games etc. It's a good time.

Happy New Year!!!!
Lilly
by Lilly
Fri Dec 20, 2013 2:52 pm
 
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 3347

Re: social security deductions

Lilly, It may not be the Medicare D charge itself being deducted from your SS check. More likely it is the additional charge for you having too high an income that you would pay on top of the D charge if you were paying for D directly. Do they refer to the charge as your "prescription drug cov...
by Lilly
Tue Dec 17, 2013 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: social security deductions
Replies: 10
Views: 463

Re: social security deductions

I tried calling SS but they said it would be a 45 min wait. I will ask here instead. I just got a notice from SS saying benefits will increase by 1.5%. It also said they will deduct $104.90 for medicare insurance. What I am confused about is: They also have a deduction $22.80 for a prescription dru...
by Lilly
Tue Dec 17, 2013 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: social security deductions
Replies: 10
Views: 463

Re: social security deductions

I have called my Drug insurance Provider. I guess they have gotten several calls on this problem. Even people who asked to have insurance deducted from their checking accounts are finding that SS is also deducting it from their SS check. Prudential said they will take care of this problem. Best wish...
by Lilly
Tue Dec 17, 2013 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: social security deductions
Replies: 10
Views: 463

social security deductions

I tried calling SS but they said it would be a 45 min wait. I will ask here instead. I just got a notice from SS saying benefits will increase by 1.5%. It also said they will deduct $104.90 for medicare insurance. What I am confused about is: They also have a deduction $22.80 for a prescription drug...
by Lilly
Tue Dec 17, 2013 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: social security deductions
Replies: 10
Views: 463

Re: Comfort food

That would be my mom's chicken pot pie. Yum!!

Lilly
by Lilly
Sun Dec 08, 2013 11:03 am
 
Forum: Personal Consumer Issues
Topic: Comfort food
Replies: 68
Views: 4004

Re: Best "Indirect Financial advice" you ever received?

Don't count your eggs before they are hatched. Find a way to make money doing what you love to do. If you look good, you will feel good and if you feel good you will do good. Don't take any wooden nickles. A bird in the hand is better than 2 in the bush. You have to spend money to make money. Best w...
by Lilly
Wed Nov 13, 2013 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best "Indirect Financial advice" you ever received?
Replies: 66
Views: 3744

Re: Decision time on Medicare Part D

I use humana walmart also. My broker told me it will go down to about $12 this year. I am drug free, so I go with the cheapest plan.

Lilly
by Lilly
Tue Oct 29, 2013 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Decision time on Medicare Part D
Replies: 15
Views: 1115

Re: What category does rent income fit into??

If I were you, I'd first estimate the market value of the land you plan to rent and then see what your allocation looks like with it included. Hypothetically assuming the land were worth $1.5 million (1), the allocation would be: (2) 75.0% $1,500,000 land 12.5% 250,000 stocks 12.5% 250,000 bonds --...
by Lilly
Mon Oct 28, 2013 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: What category does rent income fit into??
Replies: 7
Views: 398

Re: What category does rent income fit into??

Edit: Oh, of course, what you are asking is whether or not the rent income is a stock or a bond, and should be counted in the asset allocation. The answer is that income is neither a stock nor a bond but rather is income. Given the existence of this income what allocation do you want? That is the q...
by Lilly
Mon Oct 28, 2013 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: What category does rent income fit into??
Replies: 7
Views: 398

What category does rent income fit into??

I have been feeling the need to do some re-balancing recently, but wonder if I should or not at this time. This is because in 2 years my husband will retire from active farming and rent out our farm land. We have 200 acres and will get around $300 per acre per year. Expenses on this land will run ab...
by Lilly
Mon Oct 28, 2013 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: What category does rent income fit into??
Replies: 7
Views: 398

capital gains on sale of farm site

My husband and I have sold the farm site that we lived on for 35 years. We bought this site for $38k. We sold it for $153k. We are trying to determine what would be considered home and what would be considered ag related. The site is 10 acres. 3 acres are tillable. There are a couple of older grain ...
by Lilly
Wed Oct 16, 2013 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: capital gains on sale of farm site
Replies: 1
Views: 207

Re: What did you give your wife on your wedding day?

I was the wife and didn't get anything from my husband. I didn't get him anything either. Except the rings. My son on the other hand did get his soon to be wife something the day of the wedding. Just simple. He ordered flowers for her and had them sent to the salon that was doing her hair for the we...
by Lilly
Mon Jun 17, 2013 10:11 pm
 
Forum: Personal Consumer Issues
Topic: What did you give your wife on your wedding day?
Replies: 81
Views: 5031

Re: Demo a Bathroom (Save Costs)

My husband, son and I did a kitchen/bath demo ourselves. Right down to the studs. We did rent a dumpster and were glad we did. It took us 2 days of about 8 hours each and a morning. After the demo, we did take a couple days off to heal. Haha, found muscles we didn't know we had. I am 65 and DH is 62...
by Lilly
Fri Jun 07, 2013 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Demo a Bathroom (Save Costs)
Replies: 27
Views: 2034

Re: Having a renter deposit rent directly at bank?

Our renters deposit rent for 3 months each year while we winter in Florida. Have never had a problem. We can check our account on-line to see what's going on.

Best wishes,
Lily
by Lilly
Wed May 08, 2013 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Having a renter deposit rent directly at bank?
Replies: 32
Views: 1866

Re: Childrens' Allowance

I was born in 1948. As a child, I remember going into town with my parents on Friday nights. We would find a good spot to park on Main street. That was where all the stores were and where everyone hung out on Friday nights. Now came the most exciting part of the night. My dad would dig into his pock...
by Lilly
Thu Apr 04, 2013 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Childrens' Allowance
Replies: 71
Views: 4905

Re: Outliving your money

My good friends grandmother outlived her $. Her husband died about 20 years before her. She moved into public housing in our town. Housing took 30% of her income. When she turned 96, she moved into a nursing home that the county funded. She lived to be 101. Her husband had prepaid for their funerals...
by Lilly
Thu Feb 21, 2013 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Outliving your money
Replies: 42
Views: 4505

Re: 1st Birthday Present

Make it a tradition to do something special on the birthday that is age approperiate. That has always been the gift I love to recieve, so that is what we give. Maybe a little something to open. Like a book.

Lily
by Lilly
Thu Feb 14, 2013 10:45 am
 
Forum: Personal Consumer Issues
Topic: 1st Birthday Present
Replies: 32
Views: 2373

Re: At what age did your health start to limit your hobbies?

I played womens softball until age 55. I was having trouble with my knees.

Best wishes,

Lily
by Lilly
Thu Jan 03, 2013 11:28 pm
 
Forum: Personal Consumer Issues
Topic: At what age did your health start to limit your hobbies?
Replies: 95
Views: 8162

Re: Dinner Guest Issues

I must live in redneck country. We have a great circle of friends. We have a lot of potlucks, bbqs or bring a dish to share. And BYOB. You can call that beverage or booze. Host furnishes ice. It's a rare occasion that someone brings a bottle of wine. Some of us may have better manners than others, b...
by Lilly
Mon Dec 31, 2012 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Dinner Guest Issues
Replies: 149
Views: 12249

Re: Your cost of delivering a baby [insurance coverage]

Year of birth 1971,

State farm insurance. State farm offered $300 to cover pregnancy and birth. My bill was %325 because we had a son. Insusrance paid for all pre-natal visits and 2 post-natal visits. Had an all natural delivery and all was normal.

Lilly
by Lilly
Sun Dec 02, 2012 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your cost of delivering a baby [insurance coverage]
Replies: 60
Views: 3791

Re: What was your mid-life crisis

When my husband and I were teenagers we had a son out of wedlock. This was in 1966 when this was a greater sin than anything to bring such shame upon or families. Of course we were forced to surrender our first son to adoption. The midlife crises came when our son found us in 1995. We welcomed him w...
by Lilly
Wed Nov 28, 2012 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your mid-life crisis
Replies: 53
Views: 5237

Re: What kind of car are you driving?

1998 Dodge grand caravan. 205,000 miles and going strong.

Lilly
by Lilly
Tue Nov 27, 2012 11:27 pm
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21566

Re: funding Roth and drawing SS

Thanks Bogleheads for the information.

Lilly
by Lilly
Mon Nov 26, 2012 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: funding Roth and drawing SS
Replies: 3
Views: 270

funding Roth and drawing SS

I am drawing SS. I earn a few thousand $s on a side business. Can I contribute to my roth this year??

Thanks,

Lily
by Lilly
Mon Nov 26, 2012 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: funding Roth and drawing SS
Replies: 3
Views: 270

Re: Farming and Homesteading Thoughts/Advice?

How about a winery??? I have seen several popping up here and there in rural MN.

Lilly
by Lilly
Tue Nov 20, 2012 12:12 am
 
Forum: Personal Consumer Issues
Topic: Farming and Homesteading Thoughts/Advice?
Replies: 27
Views: 1596

Re: Prefab home experience? Buying land.

We have lived in a pre-fab home for the last 35 years. We have enjoyed it. We did replace the windows about 5 years ago.

Lily
by Lilly
Sun Nov 18, 2012 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prefab home experience? Buying land.
Replies: 16
Views: 2292

Re: Turning 65 February 2013

Thankyou for the info. I will take care of it tomorrow.

Lily
by Lilly
Wed Nov 14, 2012 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turning 65 February 2013
Replies: 3
Views: 396

Turning 65 February 2013

I would like to be covered by a medigap policy starting March 1, 2013. I know what agency I want to use. Do I need to apply in the open enrollment or do I wait until it's closer to my birthday?? Thanks.

Lily
by Lilly
Wed Nov 14, 2012 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turning 65 February 2013
Replies: 3
Views: 396

Re: Retirement housing layout and design

I only have one thing to add. Make sure the home has mail delivery to the house. Some homes in our town have mail boxes by the curb.

Best wishes Lily
by Lilly
Wed Nov 14, 2012 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Retirement housing layout and design
Replies: 22
Views: 2106

Re: Volunteering Ideas

I assist with an exercise program at our local Senior center. It's called "Walking off the pounds" It's not so much about weight loss as it is about maintaining strength and mobilaty. I read once a week in our 1st grade classrooms. The kids love to see me walk in the room. It is lots of fu...
by Lilly
Tue Nov 06, 2012 10:32 am
 
Forum: Personal Consumer Issues
Topic: Volunteering Ideas
Replies: 50
Views: 2510

Re: The compulsive saver

We bought our retirement home 3 years ago. We got it on the cheap because it hadn't been remodeled since it was built in 1955. I had planned on retiring 2 years ago but decided to work 2 extra years to pay for putting in a new kitchen and bath. I put away more than enough for the remodel. Now I am d...
by Lilly
Mon Oct 15, 2012 5:08 pm
 
Forum: Personal Consumer Issues
Topic: The compulsive saver
Replies: 55
Views: 8070

Re: Where do you splurge?

Getting my grey hair colored every month or so.

Lily
by Lilly
Tue Sep 18, 2012 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do you splurge?
Replies: 31
Views: 2672

Re: What is the worst job you have ever had?

My first job out of HS was being a secretary/receptionist for a small stapling supply company. They had so little for me to do and only a few phone calls a day. I was bored to death. Many times I caught myself nodding off to sleep. I hated it.

Lily
by Lilly
Fri Aug 10, 2012 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the worst job you have ever had?
Replies: 87
Views: 5287

Re: Side jobs or hobbies that make you money

I do a few flea markets in the area. Buy low/sell higher. Fun.

Lily
by Lilly
Mon Aug 06, 2012 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Side jobs or hobbies that make you money
Replies: 89
Views: 11944

Re: What's the biggest of amount of cash you have ever found

A few years ago, I found a ladies wallet on the ground in the parking lot of a Goodwill store. I looked in it and it had $120.00 in it. I told the lady at the check out about the wallet and asked her to page the name of the young girl. She didn't show up. The lady at the till wanted me to leave the ...
by Lilly
Wed Aug 01, 2012 5:03 pm
 
Forum: Personal Consumer Issues
Topic: What's the biggest of amount of cash you have ever found?
Replies: 65
Views: 5794
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