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Re: best cat litter and price

I use "world's best cat litter". I don't think it is the cheapest, but I love that it makes minimal amount of dust. My cats seem to enjoy it too :) Second that. This is the best :thumbsup cat litter ever made. It's great for clumping (almost instant hard clumps), great for odor control, l...
by Rusa
Tue Apr 29, 2014 8:54 pm
 
Forum: Personal Consumer Issues
Topic: best cat litter and price
Replies: 11
Views: 689

Re: What your your favorite/recommended CLASSIC (old/free) b

Dorothy Sayers' Lord Wimsey mysteries, especially Murder Must Advertise and The Nine Tailors Another Kipling vote: Jungle Book and Second Jungle Book (try very hard not to think of the Disney travesty) Nevil Shute: On the Beach, A Town Like Alice, Trustee from the Toolroom The Horatio Hornblower ser...
by Rusa
Mon Dec 09, 2013 11:55 pm
 
Forum: Personal Consumer Issues
Topic: What your your favorite/recommended CLASSIC (old/free) books
Replies: 54
Views: 3087

Re: Comfort food

Indian food: butter chicken, saag paneer (or saag anything), aloo gobi, etc.
by Rusa
Tue Dec 03, 2013 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Comfort food
Replies: 68
Views: 3952

Re: Imputed Value of NOT commuting

I currently telecommute 4 days a week. My commute is more than one hour each way, whether by car or by light rail, and I get motion sick on light rail, so reading or working on the train is out. I save at least $11.50/day (light rail price) or $24/day (car price including one gallon of gas and parki...
by Rusa
Tue Nov 12, 2013 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Imputed Value of NOT commuting
Replies: 28
Views: 2021

Re: Sci-Fi Short Story Recs

John Varley's collections eg The Persistence of Vision. 30 years old but still great. His best story was "Press Enter" (and it was pre-Internet).
by Rusa
Sun Nov 03, 2013 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Sci-Fi Short Story Recs
Replies: 60
Views: 3405

Re: Jersey Shore, Anyone?

TnGuy wrote:You could look into Stone Harbor or Avalon - if you want a bit less of the 'boardwalky' atmosphere.


David


These towns are awesome and so are their beaches! Highly recommended as long as you like it quiet.
by Rusa
Sat Aug 03, 2013 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Jersey Shore, Anyone?
Replies: 28
Views: 2206

Re: Help with picking a mid-size luxury sedan

Have you looked at Acura yet? The TL might be just what you'd like.
by Rusa
Thu Aug 01, 2013 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Help with picking a mid-size luxury sedan
Replies: 28
Views: 2573

Re: How much should cat tooth extraction cost?

Glad you got the extra time with a good kitty. I just spent a lot more than that on a dental for one of mine (needed gum surgery and bone grafts). She's 13 years old. Our friend from China was always amazed when we told him we spent money on pets. He'd say "In China, dead cat" (with approp...
by Rusa
Thu Jun 27, 2013 1:29 pm
 
Forum: Personal Consumer Issues
Topic: How much should cat tooth extraction cost?
Replies: 47
Views: 11332

Re: Premium Products That Are Worth It To You

bengal22 wrote:graeter's ice cream - available in 49 states - cincy based



This. This is the best. Especially the strawberry, which doesn't seem to be available here :annoyed :(
by Rusa
Fri Jun 21, 2013 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 37848

Re: Premium Products That Are Worth It To You

Two wildly different items: 1. I buy a lot of store brands at the grocery store, but I will always by Saran Wrap -- it is just so much easier to use. 2. I probably would never spend less than $2,500 on an acoustic guitar (buying used). I own a Martin OM-28 custom (plus adirondack top and a few othe...
by Rusa
Thu Jun 06, 2013 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 37848

Re: Best Walkable Place to Retire

Kentlands, Maryland. Two big grocery stores (one is Whole Foods), most of the big box stores, lots of cute little wine shops and restaurants, movie theatres, gym, and more, all within a few blocks. Plus, it's a good-looking place. Of course, to get to anywhere outside of Kentlands, you have to drive.
by Rusa
Tue May 28, 2013 2:40 am
 
Forum: Personal Consumer Issues
Topic: Best Walkable Place to Retire
Replies: 86
Views: 7735

Re: Allan Roth/ Wealth Logic

Yes, we are his clients, and we are very happy with his help. Also, read his book before you talk to him. You will save a lot of time that way.

PS: Wolf, I sent a response to your PM; let me know if you don't get it.
by Rusa
Wed May 22, 2013 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Allan Roth/ Wealth Logic
Replies: 9
Views: 1674

Re: What were the little things that led you to index invest

If I had been presented with a bill for the expenses instead of having them netted against the returns, how much do you want to bet I would have figured it out a lot sooner? This. Plus, our advisor had us changing the course every few years....we finally said, this isn't right, and I found Allan Ro...
by Rusa
Wed May 22, 2013 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: What were the little things that led you to index investing?
Replies: 60
Views: 3713

Re: Retiree poll: When did you retire?

I will retire at the end of this year, at age 58 (almost 59). DH (same age) is having panic attacks about his retirement, so he'll probably keep working a few more years. Totally ready, bored with my legal career although I know all, am at top of game, I've had enough. Ready to be a housewife, take ...
by Rusa
Fri May 17, 2013 2:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiree poll: When did you retire?
Replies: 36
Views: 3205

Re: Spending on Food / Drink Indulgences

Venison and elk. :P Once you've tasted these, you just can't go back to the pap that is feedlot beef and grocery-store eggs. And yes, they cost 2 -3 times (or more) than grocery-store items. mmmm....venison...but, for the good stuff you really need to make friends with a hunter. Also, 2-3 times mor...
by Rusa
Tue May 14, 2013 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Spending on Food / Drink Indulgences
Replies: 25
Views: 2376

Re: Spending on Food / Drink Indulgences

Grass-fed beef and free range chicken and eggs. Venison and elk. :P Once you've tasted these, you just can't go back to the pap that is feedlot beef and grocery-store eggs. And yes, they cost 2 -3 times (or more) than grocery-store items.
by Rusa
Mon May 13, 2013 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Spending on Food / Drink Indulgences
Replies: 25
Views: 2376

Re: One night hotel stay in D.C.

Try Pain Quotidien, Pret a Manger, or Au Bon Pain for bakery/breakfast/lunch.
by Rusa
Fri Apr 12, 2013 9:06 pm
 
Forum: Personal Consumer Issues
Topic: One night hotel stay in D.C.
Replies: 42
Views: 2977

Re: Analyze this credit card offer

Thanks, everyone. Think I will look for cash sign-up bonuses instead as I'm not going to spend all that much on this card. In the meantime I still have Discover and a ThankYou Rewards card from Citi to play with.
by Rusa
Sat Apr 06, 2013 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Analyze this credit card offer
Replies: 10
Views: 1193

Re: Getting Nervous considering an Annuity

- I purchased an indexed annuity a decade ago and it was one of my worst financial mistakes. We had the same experience as Paul. We put major money in EIAs four years ago. We made very small gains in the EIAs, and could have made tens of thousands more just in index funds. We will be stuck with the...
by Rusa
Sat Apr 06, 2013 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting Nervous considering an Annuity
Replies: 24
Views: 1631

Analyze this credit card offer

Fidelity Investment Rewards: no annual fee, deposits unlimited 2% of every retail purchase directly in "eligible" Fidelity account ("eligible" is defined as "non-retirement, Individual Retirement Accounts, and Fidelity-managed 529 Plan accounts that accept ACH deposits"...
by Rusa
Fri Apr 05, 2013 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Analyze this credit card offer
Replies: 10
Views: 1193

Re: One night hotel stay in D.C.

I live in DC, and visited the Spy Museum last year (on someone else's dime). Very enjoyable even if you are not into spying. They've done a great job of pulling together exhibits from all eras of history with great displays and information. They also have a very entertaining entry system (I won't sp...
by Rusa
Wed Apr 03, 2013 4:00 pm
 
Forum: Personal Consumer Issues
Topic: One night hotel stay in D.C.
Replies: 42
Views: 2977

Re: Cheap Wall St Journal?

Go to the library. Spend a little time reading it. Go home. Price: your tax dollars at work.
by Rusa
Wed Mar 20, 2013 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Wall St Journal?
Replies: 64
Views: 7998

Re: Things I should buy/experience while in my 30s?

Don't travel to foreign countries. LIVE in foreign countries. Find a job or take a transfer to another part of the world. If you are English speaking (it appears you are) go to a country where English is not the primary language. Move every 2 years to a different country. You won't get a chance to ...
by Rusa
Wed Mar 20, 2013 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Things I should buy/experience while in my 30s?
Replies: 112
Views: 9677

Re: should we think about retirement?

I suggest that the original poster reads "The End of oil" before deciding on the RV lifestyle as a 40-year plan for retirement.
by Rusa
Wed Mar 20, 2013 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: should we think about retirement?
Replies: 105
Views: 6646

Re: Do we have enough to retire?

Thanks everyone, for your kind thoughts and responses. I obviously didn't provide sufficient information but you've given us a lot to consider before I pull the plug on that Biglaw job.
by Rusa
Mon Mar 18, 2013 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 106
Views: 12590

Re: Do we have enough to retire?

We plan to spend about $300K on a house. Current yearly living expenses are about $100K - $120K, so a pretty good quality of life :) Hi Rusa, We live in Denver suburb in a home worth around $325K and have living expenses of around $90K after college costs for kids, taxes and retirement savings so i...
by Rusa
Mon Mar 18, 2013 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 106
Views: 12590

Re: Do we have enough to retire?

Bill Bernstein, a well respected advisor, has said "Two percent is bullet-proof, 3% is probably safe, 4% is pushing it." I'm not sure anything is bullet-proof. I would argue that spending the dividends + interest on your portfolio is bullet proof. Currently that's 2.4% for a 40/60 portfol...
by Rusa
Mon Mar 18, 2013 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 106
Views: 12590

Re: Do we have enough to retire?

We plan to spend about $300K on a house. Current yearly living expenses are about $100K - $120K, so a pretty good quality of life :)
by Rusa
Fri Mar 15, 2013 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 106
Views: 12590

Do we have enough to retire?

Two 58 year olds with $3.5 million in assets, no debt at all, currently renting but plan to buy living space in the next two years with money from recent sale of house. Current asset allocation is 40 stocks/60 bonds and lots of cash from recent house sale. Wife is (more than) ready to retire from Bi...
by Rusa
Fri Mar 15, 2013 12:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 106
Views: 12590

Watch out for "open" floor plans. They sure look great, don't they? But there is no privacy, and they are LOUD...I can't get away from the noise of the radio/TV that my DH loves to have on 24/7 at high volume. Bathrooms should have medicine cabinets for those "everyday" items. Fo...
by Rusa
Mon Jan 10, 2011 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you love/hate about house you didn't expect?
Replies: 99
Views: 8781

I've read a number of titles mentioned here already so I won't bring those up but I have a few to add. The "Richest Man in Babylon" - think of investing and saving taught in bible-style parables. Very approachable for a beginner and you almost forget you are learning lessons reading it. I...
by Rusa
Tue Dec 28, 2010 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 153
Views: 21237

1. Pet the cats.
2. Hot tub, accessorized with wine.
3. Chocolate. Lots of chocolate.
by Rusa
Wed Dec 15, 2010 9:42 pm
 
Forum: Personal Consumer Issues
Topic: How do you get over a bad work day?
Replies: 58
Views: 5563

Fudge
Almond Toffee
Restaurant gift certificates
by Rusa
Wed Nov 24, 2010 3:24 pm
 
Forum: Personal Consumer Issues
Topic: What's on your Christmas list?
Replies: 57
Views: 5923

Here's an example: In a newspaper article today, a high school student was being extolled for taking "college courses" such as trigonometry at a local college. I learned trigonometry in the 11th grade (or maybe the 10th grade, it's been a while). When did they stop teaching trig in high sc...
by Rusa
Tue Oct 05, 2010 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Is society being "dumbed" down
Replies: 71
Views: 5730

I'm a lawyer. I apologize on behalf of my profession that this particular attorney is not being responsive. I suggest that you mail a letter to the attorney clearly indicating that you are terminating the representation immediately and explaining the reason(s). You might ask the post office for proo...
by Rusa
Fri Oct 01, 2010 12:23 pm
 
Forum: Personal Consumer Issues
Topic: firing a lawyer?
Replies: 45
Views: 5260

Wheat is bad for you. So don't eat bread. Problem solved. :wink:
by Rusa
Mon Sep 27, 2010 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Looking for good whole grain wheat bread
Replies: 63
Views: 7107

Rusa was my favorite cat (now deceased) and the avatar is a picture of her. So I can think about her everyday when I'm on-line.
by Rusa
Mon Sep 27, 2010 12:32 pm
 
Forum: Personal Consumer Issues
Topic: The "explain your username" thread
Replies: 93
Views: 8415

I'm a trademark attorney, and file trademark applications for new marks for new products in the pipeline. I have filed practically no new trademark applications for the past two months for any of my clients, who are in a wide range of industries. Not a good sign for a "recovering" economy....
by Rusa
Thu Sep 23, 2010 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Is the Recession Over for You?
Replies: 60
Views: 7005

Is this fabric furniture? Have a good cleaning company wash the furniture and then place it in an "ozonated" room for several weeks. This will help a lot (but can be expensive).
by Rusa
Sat Aug 14, 2010 7:01 pm
 
Forum: Personal Consumer Issues
Topic: How To Get Cat Smell Out of Furniture?
Replies: 24
Views: 3878

At your age, I also wanted "toys" (big house, oriental rugs, sports car, a horse). I did get all of these (and could afford them). But, now that I'm "somewhat" older, I find that I have no desire for these toys, and would love to get rid of the ones I still have (too much work to...
by Rusa
Sat Aug 14, 2010 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Freedom but with regrets
Replies: 67
Views: 8244

Attorney specializing in intellectual property
by Rusa
Thu Aug 12, 2010 11:55 am
 
Forum: Personal Consumer Issues
Topic: What do Bogleheads do for a living?
Replies: 108
Views: 17863

Actually I recommend just buying or borrowing the book and reading how Larry puts it. The section is short enough it might not be a copyright violation to just type the whole thing in right here. Does anyone have the definitive guideline on that? As a copyright attorney, I strongly suggest that you...
by Rusa
Thu Aug 12, 2010 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Larry Swedroe Interview
Replies: 40
Views: 5262

I was quite happy not to see any discussion on the recent small drop. Isn't that the point?
by Rusa
Thu Aug 12, 2010 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Today's Market Volatility
Replies: 39
Views: 4485

USAA raised the deductible on our homeowner's insurance from $1000 to $7500 last summer. Needless to say, I was not pleased. We never made a claim, but it appears we are in a hail district.
by Rusa
Wed Aug 11, 2010 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Umbrella Policy
Replies: 26
Views: 4375

We quit using toaster ovens after two different toaster ovens we owned caught fire. Sorry, don't remember the brand--some very ordinary, mainstream brand. Maybe GE. I don't think we were particularly careless or untidy in the way we used them, and I don't think there were any instructions we failed...
by Rusa
Tue Aug 03, 2010 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Toaster Oven a good idea? What type/brand?
Replies: 19
Views: 2407

34. 7 years after marriage, starting out with $0 savings. Moved three times before settling down somewhere long enough to even think about buying a house (and then we moved again one year later).
by Rusa
Mon Aug 02, 2010 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Age At First Home Purchase?
Replies: 66
Views: 8140

Lobster bisque with lots of lobster chunks.

Second choice: bouillabaise with a nice cold Pinot Grigio
by Rusa
Sun Aug 01, 2010 5:06 pm
 
Forum: Personal Consumer Issues
Topic: What Is Your Favorite Soup?
Replies: 107
Views: 10219

Have you already sold your current house? Seems to me that would be the difficult part. What if you can't sell your current house, for any price? Then you would be paying two mortgages. Otherwise, if your budget allows you to afford the new house, and you can still save sufficient funds for retirem...
by Rusa
Tue Jul 27, 2010 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worth it? Expensive house, better schools, shorter commute?
Replies: 48
Views: 6464

Have you already sold your current house? Seems to me that would be the difficult part. What if you can't sell your current house, for any price? Then you would be paying two mortgages. Otherwise, if your budget allows you to afford the new house, and you can still save sufficient funds for retireme...
by Rusa
Tue Jul 27, 2010 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worth it? Expensive house, better schools, shorter commute?
Replies: 48
Views: 6464

Can we have another poll about whether to use a comma before the "and" in a list? I've seen some real knockdown fights over that one! :lol:








edited to correct spelling :oops:
by Rusa
Thu Jul 15, 2010 9:42 pm
 
Forum: Personal Consumer Issues
Topic: [Poll] Spaces after a period
Replies: 65
Views: 5163
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