Search found 194 matches

by Lilly
Mon Aug 17, 2015 7:07 pm
Forum: Personal Consumer Issues
Topic: Advertising/Marketing Rural Raw Land
Replies: 20
Views: 1282

Re: Advertising/Marketing Rural Raw Land

The land is in Arizona. Is is vacant rural residential land and is surrounded by smaller parcels that people put mobile or fixed homes on and enjoy an off the grid lifestyle, where you have to haul water. Perhaps you can find the people who are interested in living off the grid by finding a groups ...
by Lilly
Thu Aug 13, 2015 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6578

Re: Your First Job

I started babysitting at age 12 for 25 cents an hour. I did this until I graduated. Two summers I was a live-in nanny at a resort in Northern MN. I loved it. I made enough $ for spending and clothes. When I graduated, I had about $100 saved up. First W2 job was a secretary position in the big city o...
by Lilly
Tue Jun 16, 2015 5:03 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14782

Re: Gifting Money at Parties

I am sorry but unless you attend a ghetto wedding, $10 gift is way too cheap! My take on this is: I am guessing the bride knew what the $10 policy was when she invited 25 -30 co-workers to her wedding. I am betting she will be happy to know that if she gets invited to 20 weddings in the near future...
by Lilly
Mon Jun 15, 2015 10:15 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 14782

Re: Gifting Money at Parties

Out here in Western MN, most wedding receptions are held in the hall of the Legion or VFW. Hall is free. Catered meals are about $10 - $15. I haven't heard of any higher than that. We are usually given 2 tickets for free drinks. A good DJ is about $700. We usually give $50 to the bride and groom. We...
by Lilly
Tue May 26, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Need to sell old home. Should we spend money to modernize it first?
Replies: 38
Views: 3476

Re: Need to sell old home. Should we spend money to modernize it first?

We just sold our parents home. Less than 30 days to find a buyer. We emptied it, washed walls, windows and floors.

Good luck,

Lilly
by Lilly
Wed May 13, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 4690

Re: Brand Loyalty

Heinz and Hellmans are my top 2

Lilly
by Lilly
Wed Apr 29, 2015 4:40 pm
Forum: Personal Consumer Issues
Topic: My new dishwasher doesn't clean
Replies: 77
Views: 10774

Re: My new dishwasher doesn't clean

We have a Kenmore Elite also. We use liquid Cascade. We fill about 3/4 full. We use a rinse agent that is half Jet Dry half vinegar. We only have an occasional dish that doesn't clean. Usually it is because the dish was loaded in a way that it couldn't get enough sprayer action. We wash every other ...
by Lilly
Wed Apr 08, 2015 4:52 pm
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 11783

Re: Closing out my first 'snowbirding' winter

as i posted before we rented a place in SoCal for a month near where our daughter lives. i am now looking again to rent something a little less expensive and stay 2 months or longer. this may not be walking distance to family and we will rent a car. i was wondering what day to day life is like for ...
by Lilly
Wed Apr 01, 2015 10:47 pm
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 11783

Re: Closing out my first 'snowbirding' winter

btenny wrote:Lilly, Do you stay in Florida for any part of the "summer". Say June or July?



We only stay for Jan, Feb and March.

Lilly
by Lilly
Wed Apr 01, 2015 5:40 pm
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 11783

Re: Closing out my first 'snowbirding' winter

Hug401k wrote:Does anyone head to a new place each winter? I'd like to spend 2 months discovering a new warm place each year.



We tried many warm places before we settled for SW Florida. We tried Southern CA. Three different areas of AZ. Texas and the Keys.

Lily
by Lilly
Tue Mar 31, 2015 9:37 am
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 11783

Re: Closing out my first 'snowbirding' winter

We bought a little place in a 55+ park in 2011. It is in Estero FL, just south of Ft Myers. We stay 3 months. Just returned last night. We love the park and all it has to offer. Most of the parks residence are winter residents. Some are permanent. Best wishes, Lilly sounds great , is it a "mob...
by Lilly
Mon Mar 30, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Closing out my first 'snowbirding' winter
Replies: 84
Views: 11783

Re: Closing out my first 'snowbirding' winter

We bought a little place in a 55+ park in 2011. It is in Estero FL, just south of Ft Myers. We stay 3 months. Just returned last night. We love the park and all it has to offer. Most of the parks residence are winter residents. Some are permanent.

Best wishes,

Lilly
by Lilly
Mon Feb 16, 2015 9:57 pm
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 144
Views: 8749

Re: Preparing for 2 months incommunicado

I don't have any utility bills except Comcast. I can either prepay it or put on autopay. Can you give me some key words to search for these bloggers? Thank you, Victoria[/quote] Victoria, When we winter in FL for 3 months we put our comcast on sleep mode. It costs $6 a month. Give them a call when w...
by Lilly
Tue Jan 06, 2015 5:20 pm
Forum: Personal Consumer Issues
Topic: Games
Replies: 38
Views: 4767

Re: Games

We like to play Scrabble.

Lilly
by Lilly
Mon Dec 22, 2014 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Medallion Signature Guarantee
Replies: 41
Views: 6070

Re: Medallion Signature Guarantee

When I did an exchange from Edward Jones to Vanguard, Jones required the medallion signature. My credit union did not offer the service. I had to go to another bank in my town for the service. It cost $10. It was very easy to do. I had to bring a copy of my last statement from Jones.

Good luck,
Lilly
by Lilly
Sun Dec 07, 2014 11:29 pm
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 7179

Re: Who Paid for the wedding?

We got married in 1971. We paid for the wedding. Small and simple country church wedding and reception. A weekend honeymoon. When our son got married, we paid for the grooms supper and gave the kids $1,000 to help with expenses. Her parents and step-parents paid for the rest. When our daughter got m...
by Lilly
Mon Nov 17, 2014 11:08 am
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 7043

Re: How often do you go out to dinner?

about twice a month. I don't mind cooking.

lily
by Lilly
Sun Nov 16, 2014 3:13 pm
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 11560

Re: Does anyone here make "fun" purchases.

4 years ago, we bought a cheap little place in a 55+ park called Riverwoods. It is in Estero FL. We are snowbirds. We love all the experiences of the park and the surroundings. 15 minutes to the beach. We think it's paradise to spend our winters there instead of MN.

lily
by Lilly
Sun Oct 05, 2014 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Just need to vent
Replies: 16
Views: 3744

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 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Just need to vent
Replies: 16
Views: 3744

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
Mon Sep 29, 2014 6:08 pm
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 3586

Re: favorite brand name products

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


Lily
by Lilly
Mon Sep 22, 2014 8:32 am
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2721

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
Sat Aug 16, 2014 9:16 pm
Forum: Personal Consumer Issues
Topic: When did you downsize?
Replies: 35
Views: 3656

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
Fri Aug 15, 2014 2:37 pm
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 112
Views: 11476

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
Sun Aug 10, 2014 3:57 pm
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 5686

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
Tue May 27, 2014 3:34 pm
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 5049

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 11:56 am
Forum: Personal Consumer Issues
Topic: over 55 communities
Replies: 16
Views: 2106

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
Mon May 26, 2014 6:42 pm
Forum: Personal Consumer Issues
Topic: over 55 communities
Replies: 16
Views: 2106

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 19, 2014 6:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 295
Views: 37491

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
Tue Apr 29, 2014 5:30 pm
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 19710

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
Sat Dec 28, 2013 10:26 pm
Forum: Personal Consumer Issues
Topic: Favorite Christmas Gift
Replies: 43
Views: 2452

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
Fri Dec 27, 2013 11:50 am
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 8149

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 20, 2013 1:52 pm
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 3488

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
Tue Dec 17, 2013 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: social security deductions
Replies: 10
Views: 483

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 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: social security deductions
Replies: 10
Views: 483

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 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: social security deductions
Replies: 10
Views: 483

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 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: social security deductions
Replies: 10
Views: 483

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
Sun Dec 08, 2013 10:03 am
Forum: Personal Consumer Issues
Topic: Comfort food
Replies: 68
Views: 4228

Re: Comfort food

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

Lilly
by Lilly
Wed Nov 13, 2013 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Best "Indirect Financial advice" you ever received?
Replies: 66
Views: 3832

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
Tue Oct 29, 2013 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Decision time on Medicare Part D
Replies: 15
Views: 1276

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
Mon Oct 28, 2013 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: What category does rent income fit into??
Replies: 7
Views: 411

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 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: What category does rent income fit into??
Replies: 7
Views: 411

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 11:33 am
Forum: Investing - Help with Personal Investments
Topic: What category does rent income fit into??
Replies: 7
Views: 411

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
Wed Oct 16, 2013 8:29 am
Forum: Personal Finance (Not Investing)
Topic: capital gains on sale of farm site
Replies: 1
Views: 226

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
Mon Jun 17, 2013 9:11 pm
Forum: Personal Consumer Issues
Topic: What did you give your wife on your wedding day?
Replies: 81
Views: 5422

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
Fri Jun 07, 2013 3:18 pm
Forum: Personal Consumer Issues
Topic: Demo a Bathroom (Save Costs)
Replies: 27
Views: 2880

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
Wed May 08, 2013 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Having a renter deposit rent directly at bank?
Replies: 32
Views: 2044

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
Thu Apr 04, 2013 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Childrens' Allowance
Replies: 71
Views: 5698

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 Feb 21, 2013 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Outliving your money
Replies: 42
Views: 4531

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 14, 2013 9:45 am
Forum: Personal Consumer Issues
Topic: 1st Birthday Present
Replies: 32
Views: 2457

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

Go to advanced search