Search found 173 matches

Return to advanced search

Re: Recommend good fantasy (alternative history) book?

My son and I like "Dies the Fire" by S.M. Sirling. It is the first book in a series that goes on for many generations. The premise was what would happen if technology stopped working. After about 5 books I lost interest, but my son kept going, I think 10 or12 books.
by Skiffy
Sun Nov 16, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Recommend good fantasy (alternative history) book?
Replies: 13
Views: 884

Re: Inheritance/Retirement Planning Question

This question reminds me of (I think? Correct me if I'm wrong) the book The Millionaire Next Door. Where adult kids don't save any money because of annual gifts or support from their parents. I think you should not expect anything and be independent. You're making a good living-save some of it!
by Skiffy
Mon Nov 10, 2014 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance/Retirement Planning Question
Replies: 25
Views: 1896

Re: Ashley Furniture

We bought family room furniture last year from Ashley's. The dog and cat scratched up the "pleather" furniture. The wood furniture (3 pieces) had the veneer separate from shelves and front. In other words we aren't that happy with the quality. Maybe you won't be so hard on it as we have be...
by Skiffy
Mon Nov 03, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3307

Re: Good book on Quickbooks

I've been using Quickbooks for 30 years, and I would recommend that you look for either a one day class/conference or the class from a community college. The books are okay for reference, but to learn the language of QB and where things are and the shortcuts it is really worth taking a class.
by Skiffy
Sat Nov 01, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Good book on Quickbooks
Replies: 8
Views: 574

Re: How to wrap my head around downsizing my home?

It sounds like you don't really want to move? Do you think you need to be closer to medical care, or is this a financial decision? Or did you just move up the "aging-in-place" decision by a decade or two? It sounds like, from your post, that you love this house and it's set up, so how abou...
by Skiffy
Wed Oct 15, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3629

Re: Best place to park my emergency funds

A lesson I learned from these smart folks posting on this board quite a few years ago, which surprisingly applies to many more things than just financial--it is not all or nothing. Sometime it is both! Here is my emergency fund "allocations". Sock drawer a couple hundred, cd's quite a few ...
by Skiffy
Fri Oct 03, 2014 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Best place to park my emergency funds
Replies: 16
Views: 1946

Re: What bumps were along your road?

We're on year 6 of paying for one of the kids bachelors' degree. So I guess that is a smallish speed bump, not a complete axle breaker.
by Skiffy
Thu Oct 02, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What bumps were along your road?
Replies: 44
Views: 3281

Re: Any FRANCHISE owners here?

I've worked for a franchise owner. He never felt that the 4% that they peeled off the top was worth it, nor when they tell you the hours you must be open. Then just running a business-if the owner isn't present there is theft ($ and what ever isn't nailed down), free give aways and employee turn ove...
by Skiffy
Mon Sep 15, 2014 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3544

Re: Do you hold cash/money market outside of your emergency

Yes. In a strange twist, for our ages, the combined portfolio is high percentage wise for our stock allocation. So we have more in cash than just emergency funds.
by Skiffy
Thu Aug 14, 2014 8:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you hold cash/money market outside of your emergency fund
Replies: 31
Views: 2177

Re: Toys for a Lazy Cat

Check out a cat feeding ball-dry food is poured in and there are adjusting holes. This requires the cat to bat around the ball and only one piece of food comes out at a time. This makes our cat slow down to eat instead of gobbling it all down (and barfing it back up!)
by Skiffy
Fri Jul 11, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 3165

Re: Building a home

Really is a local type question. When we built our house (20 years ago) we found houses that needed updating cost the same as building new. But I believe that now there are a glut of new houses that has driving down the prices of "old" houses.
by Skiffy
Tue Jul 01, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Building a home
Replies: 17
Views: 1558

Re: Paid off home as LTC Insurance?

What I have personally seen with in-laws, friends, and others is this: people do okay in their 70's, then with a few health scares or general spiraling down (physically and mentally!) a house gets to be too much. Yard work, cleaning and general updates go to the wayside for many years, plus the hous...
by Skiffy
Sun Jun 29, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off home as LTC Insurance?
Replies: 38
Views: 2136

Re: chicken marinade recipes

We like olive oil, lemon, lime or vinegar, chili powder, garlic, s & p. etc. then good leftovers for salads, sandwiches.
by Skiffy
Sun Jun 15, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: chicken marinade recipes
Replies: 32
Views: 1992

Re: Garden 2014

Waiting for the foot ! of snow to melt off the raised beds. 2 weeks ago had put in some cold weather crop seeds and they have started to germinate and seemed to like the very moist dose of moisture. Laughed out loud at those of you harvesting already and jealous of your early and long season.
by Skiffy
Thu May 15, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 4717

Re: Social security at 62 vs 70

The inlaws took ss the month they turned 62. Now that they lived past their break-even point they should have probably worked a couple more years. They didn't dream their expenses would keep going up and up. Even 20 years is a long to to predict what your expenses will be. That is why we are plannin...
by Skiffy
Wed Apr 30, 2014 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5950

Re: Comparing W2 to 1099 job

As a 1099 contractor you can deduct expenses and may be able to fund some more retirement. Just comparing straight across having to pay the other 7.65% payroll taxes it is almost even, so have to go deeper and compare the rest.
by Skiffy
Mon Apr 28, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Comparing W2 to 1099 job
Replies: 10
Views: 2482

Re: Help me understand Michael Lewis' "Flash Boys"

Watch the 60 Minutes shows (there are 2 recent ones) on high frequency trading, and how "computers" can execute trades that would be considered illegal as insider trading if humans did it. Those tiny fraction of seconds x a few pennies a trade x millions of transactions are making these HF...
by Skiffy
Fri Apr 04, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 174
Views: 31087

How to convince family & friends to use Boglehead Method?

I have a twin sister-we're in our mid-50's. We laugh about who will be living in whose basement! After being accused about being obsessed with money and even planning and thinking about retirement, they will be living in our basement. In other words you can't preach the boglehead methods to those wh...
by Skiffy
Sat Feb 22, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: How to convince family & friends to use Boglehead Method?
Replies: 61
Views: 4826

Re: Retirement Advice - inheritance vs. quality of retiremen

Repeating my previous posts: who know what the future will hold? Bad health, early death etc. You may think you're choosing option 1, but life may choose another! If the kids are lucky they may get an inheritance, or they may be lucky that we won't have to live with them when we get old! After seein...
by Skiffy
Tue Feb 04, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Advice - inheritance vs. quality of retirement
Replies: 23
Views: 1930

Re: Gopher Madness

We got rid of our gophers by offering a $20 bounty for each gopher shot with a BB gun. Popped the screen off window and a couple days later that was the end of our gophers. (Remember we are in the Wild West here!)
by Skiffy
Sun Jan 26, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Gopher Madness
Replies: 71
Views: 3380

Re: Emergency Fund for Self Employed?

also does it look like you might have seasonal ups and downs? Might need more reserves if you will have slow periods.
by Skiffy
Wed Jan 22, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund for Self Employed?
Replies: 9
Views: 828

Re: Finished Basement Ideas

Are you planning on staying in your home for a long while? I would think long term and really consider adding the bedroom and bathroom for guests and when those pesky kids come back after college!
by Skiffy
Sun Jan 19, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Finished Basement Ideas
Replies: 32
Views: 2487

Re: Do you oversave for retirement or not?

How do you know if you have "oversaved" until you're dead or run out of money? Maybe that huge savings will pay for a transplant or rehab for a relative!
by Skiffy
Wed Jan 08, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you oversave for retirement or not?
Replies: 70
Views: 6190

Re: Non-retirees: Envisioning Retirement

Frankly, dreading what retirement might be. spouse who has been totally consumed with work, with no friends or hobbies and of a crabby personality is not something I look forward to.
by Skiffy
Sat Jan 04, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Non-retirees: Envisioning Retirement
Replies: 62
Views: 4883

Re: House sitting - any pitfalls to avoid?

I would check your city average price is for dog sitting/walking (had a boss who paid $7/visit, not including walking that is just checking on one pet, letting it out, feeding it). That would be the minimum that I would charge someone. And some written understanding of what she would be responsible ...
by Skiffy
Sat Dec 28, 2013 4:34 pm
 
Forum: Personal Consumer Issues
Topic: House sitting - any pitfalls to avoid?
Replies: 19
Views: 2485

Re: Recording Account details for heirs/spouse

Really, this is not as simple as account listing, password etc unless your accounts are set up as payable-upon-death. My FIL recently passed, and the companies (utilities, credit card. . .) wouldn't even talk to him as he was not listed on the accounts. FIL had automatic charges hitting his credit c...
by Skiffy
Sun Dec 15, 2013 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recording Account details for heirs/spouse
Replies: 11
Views: 1077

Re: I'd like to challenge the logic behind a 'disaster fund'

Interesting that on this board people even think about these topics. Is it just me, or just Mr. Public just stick their heads in the sand and not even think about the future? Some family and friends don't even like to talk about how they plan or want to live in retirement. Have a "disaster"...
by Skiffy
Sat Dec 07, 2013 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: I'd like to challenge the logic behind a 'disaster fund'
Replies: 134
Views: 7444

Re: Food Processor Advice?

We've had a Cuisinart for many years. Fondly call it the dishwasher hog, as it takes up half of the top rack. Use if for making pizza dough, slicing, chopping, pie crusts, hollandaise sauce, big batches of nearly anything (coleslaw, etc). Also can salsa, and use the food processor for chopping up al...
by Skiffy
Wed Dec 04, 2013 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Food Processor Advice?
Replies: 18
Views: 1078

Dying with $1 in Pocket

FIL recently passed with a one dollar bill in his pocket. Due to some nagging on my part, a power of attorney and will were in place. His social security stopped before his last bills could be paid--he had a shell game going for what bills he paid and when, not one penny saved. All those treasures h...
by Skiffy
Wed Nov 13, 2013 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Dying with $1 in Pocket
Replies: 52
Views: 3297

Re: Giving notice...how much time?

In one of my previous jobs, someone "retired" for a year before they gave their notice! In another job, when the person decided to move on, they really didn't do any work after they decided to quit--it makes for hard feeling all around. Another one was escorted out the door when they gave ...
by Skiffy
Sat Oct 19, 2013 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving notice...how much time?
Replies: 55
Views: 4738

Re: Cheapest way to move long distance

Here is another NO vote on driving. Why? The weather! We have had snow storms already this year, and what would be the odds of on a cross country drive you would run into at least one storm, road closing episode? Scary and not worth the risk.
by Skiffy
Sat Oct 12, 2013 9:55 am
 
Forum: Personal Consumer Issues
Topic: Cheapest way to move long distance
Replies: 48
Views: 3588

Re: How did you/your child pay for college?

We paid for the kid's college (in-state tuition) by paying off our mortgage early, and then the house payment became our college savings. They had to work and pay for spending $$, gas for their cars, entertainment etc. R & B in the dorms cost more than our mortgage payment, and this was several ...
by Skiffy
Sat Sep 28, 2013 1:54 pm
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 9181

Re: Drainage issue - Requesting Your Thoughts

Okay, this may be a dumb answer, as I don't understand your layout--what about putting window well covers over the top to divert the water from filling up your window wells? Or have you tried this? I think our house has the waterproofing around the outside of the walls, but the window wells also hav...
by Skiffy
Fri Sep 13, 2013 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Drainage issue - Requesting Your Thoughts
Replies: 14
Views: 1898

Re: Considering a Bread Machine

I bought a baguette pan and made the dough in the bread machine which is 1 1/2 hr, then takes another 1 hour to raise in the pans, but well worth the effort. A chocolate bread that is good. Pizza crust is good as cinnamon roll dough. I make crusty, wheaty, grainy, seedy, whole-wheat bread in the bre...
by Skiffy
Mon Sep 09, 2013 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Considering a Bread Machine
Replies: 38
Views: 2667

Re: College ... [Funding college tuition without a loan]

You never mentioned how old your children are now? We found that the rules changed even the 3 years we filled out FASFA form, so if your kids are several years out, the rules might be different. Here is how we paid for our kids college tuition w/o a loan. . .we paid off our house in about 13 years, ...
by Skiffy
Sat Sep 07, 2013 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Re: College ... [Funding college tuition without a loan]
Replies: 24
Views: 2672

Re: Time between you drop off and pickup kid from an activit

Ahhhh, those were the days. Hate to tell you that I miss them. I always felt that my organizational greatness was at its peak! Can you still have a home cooked meal, snacks, and get your kids to their activities? You have to be firing on all cylinders or eat a lot of fast food. During those busy tim...
by Skiffy
Sat Sep 07, 2013 11:04 am
 
Forum: Personal Consumer Issues
Topic: Time between you drop off and pickup kid from an activity
Replies: 5
Views: 584

Re: Canned Peas???

I grew up on a ranch, where grocery shopping was every 4 to 6 weeks. So we would have fresh salads and fruit for a short while and then frozen or canned towards the end. Mom made creamed peas (and you have to used canned peas!) She would make a white sauce with half canned milk and half the canning ...
by Skiffy
Sat Aug 24, 2013 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Canned Peas???
Replies: 107
Views: 10388

Re: Grocery shopping price comparison (Costco vs BJs vs Sams

We only have 2 of the stores listed for your comparison-Sams & Walmart. People who follow the unit price on items will look at the weekly grocery flyers and stock up and coupon when the price is low. After cleaning out the pantry with all the "sales" items that are now expired, we have...
by Skiffy
Thu Aug 22, 2013 11:28 am
 
Forum: Personal Consumer Issues
Topic: Grocery shopping price comparison (Costco vs BJs vs Sams...)
Replies: 35
Views: 5566

Re: casper wyoming

Having lived in Wyoming all my life, here is my reply. Wyoming ranks #50 in population and #49 in population density (or visa versa, does it really matter?) Winters are endless and long. Summers are short and not that hot. Humidity is non existent-in other words very dry. The wind it seems never sto...
by Skiffy
Wed Aug 07, 2013 12:00 pm
 
Forum: Personal Consumer Issues
Topic: casper wyoming
Replies: 27
Views: 2047

Re: My Early Retirement Thoughts and Calculations

2 family friends have retired recently, and the in-laws (both in their 80's) have run out of $$ after retiring at 62; so the thoughts about early retirement have been running around my brain. I've been thinking about 30 years ago, and how much I made ($4.50/hr! insurance less than $100/mo) and how m...
by Skiffy
Sat Jul 13, 2013 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: My Early Retirement Thoughts and Calculations
Replies: 43
Views: 8707

Re: Forest cabin as second "home"

We just got back from camping this last weekend in the National Forest. There were several cabins around the lake that was next to the campground. The cabins are surrounded by dead and dying trees--the pine beetle kill in the western states has been bad. Now here are all these cabins, not nestled in...
by Skiffy
Mon Jul 08, 2013 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Forest cabin as second "home"
Replies: 24
Views: 3808

Re: What does it take to become a Boglehead?

What it takes to become a Boglehead-I'm damn cheap. Carries over into low-cost investing, the rest of [i]becoming[i] resulted from this main point.
by Skiffy
Fri Jun 14, 2013 11:53 am
 
Forum: Investing - Theory, News & General
Topic: What does it take to become a Boglehead?
Replies: 31
Views: 2280

Re: Social Security - Guide

Here is something to keep in mind-- Yes, it is good to be informed and run different outcomes. . . but no one can predict the future. It really depends on how long they both live & how expensive things get, esp thinking 20-30 years out. The in-laws took SS the minute they qualified, and thought ...
by Skiffy
Thu Jun 13, 2013 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security - Guide
Replies: 20
Views: 1543

Re: If you were making a PF presentation for young professio

I speak from a parents point of view with 2 kids in their 20's. Don't try to make them drink from a fire hose! Their eyes will glaze over with too much detail on anything. You will find young adults have a lot different financial habits than middle-aged people (checks? never write them or balance an...
by Skiffy
Sat Jun 08, 2013 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you were making a PF presentation for young professionals
Replies: 30
Views: 2318

Re: What to do when a parent's money runs out?

We're in the same position, except it is FIL. I don't know what game he likes to play, Dumb Bummy or Sly like a Fox! He has never saved any money and spent every penny ++ he ever had. Then thinks someone should pick up the tab, has spent all the $$ the ex-wife (MIL) would give him, now wants us to s...
by Skiffy
Mon Jun 03, 2013 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 135
Views: 15850

Re: Pet Adoption

I would repeat what a previous poster said--decide if you want a shedder or a dog that needs those expensive haircuts (more than the human kind!) plus the hassle of dropping off/picking up at the groomers. I brush our dog several times per week and we still have long black dog hair all over. Our mut...
by Skiffy
Mon Jun 03, 2013 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Pet Adoption
Replies: 22
Views: 1144

Re: Dining out : Special requests

Just watched an episode of "The Chew" this week where Mario Batali and Michael Simon commented on this very issue. Customers will bring in their own pasta and want them to cook it for them. . . Generally I think Joe Public is getting ruder and abrasive, I don't think I would make a very go...
by Skiffy
Wed May 08, 2013 10:54 am
 
Forum: Personal Consumer Issues
Topic: Dining out : Special requests
Replies: 52
Views: 3118

Re: Renting - The Boglehead Way

I would make sure you have documented any damage prior to moving in-including countertops, floors walls, etc. Take dated pictures, put copies with your lease and notify your landlord. In college towns they pretty much keep the damage deposit as a matter of principal, it didn't matter if you left the...
by Skiffy
Tue May 07, 2013 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7844

Re: Where to get photos or posters framed?

Have you tried the digital photograph to canvas prints? We have been very happy Sam's Club, but their are alot of online places that will also do this. We blew up a fire photo with dark trees, orange smoky background that looks like a sunset. They place the canvas over frames, so they are ready to h...
by Skiffy
Tue Apr 30, 2013 11:01 am
 
Forum: Personal Consumer Issues
Topic: Where to get photos or posters framed?
Replies: 15
Views: 803

Re: Contemplating buying rental property - what to consider?

College town rentals: my take after having 2 kids who rented in a college town! Kids get their first taste of freedom! Mom isn't riding their butts to go to bed at a decent time, clean their bathroom etc etc. Student flunks out/decides school isn't for them. Do you hold the other 3 renters, or whoev...
by Skiffy
Tue Apr 30, 2013 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Contemplating buying rental property - what to consider?
Replies: 38
Views: 2142
Next

Return to advanced search