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by Skiffy
Sat Apr 25, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Your experiences of high inflation periods
Replies: 60
Views: 3162

Re: Your experiences of high inflation periods

I was going to college in the late 70's and lived off the interest on a CD that was paying 17-18% interest!
by Skiffy
Wed Apr 22, 2015 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11574

Re: Does your family know about your net worth (ball park)?

We're finding out more and more as all the 80 years old's are trying to live on social security, or have run thru any money they have saved. Otherwise any financial news is a big secret our families. I'm trying to be more open with our kids who are in their 20's.
by Skiffy
Tue Apr 21, 2015 7:52 pm
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 42
Views: 3979

Re: New Water Heater

Beginning in July, or when they run out of old ones, new more efficient water heaters will be required. By "new" I mean more expensive and untested. They are wider and taller than present models, so if your WH is in a tight spot you may want to replace asap.
by Skiffy
Sun Apr 19, 2015 8:55 pm
Forum: Personal Consumer Issues
Topic: Car for teenager
Replies: 52
Views: 3017

Re: Car for teenager

Go to the high school at the last bell and watch how the high school students drive. It is scary. I think they have added more restrictions than when our kids were in high school, grades etc to get a parking spot. The kids inherited our old, boring, safe cars. We always felt the parents should have ...
by Skiffy
Mon Apr 13, 2015 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs Buy
Replies: 11
Views: 1507

Re: Rent vs Buy

If you rent, will the owners want your wife to "dig in the dirt"?
by Skiffy
Tue Apr 07, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 14108

Re: Family member asking for money

I always read these threads with great interest. I think it comes down to "family culture". In both my family and my spouse's family, each family unit is on their own. We don't get in each other's business, financial or othewise. This includes parents and kids barely scraping buy. Each has...
by Skiffy
Sun Feb 15, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3439

Re: Genealogy

This is a good idea-before the generation that can I'd pics and names are gone. We have found that some of the older ones are developing dementia, so when you ask them questions they will make something up to fill in the blanks. So the more you can flesh out with actual dates, and verifiable informa...
by Skiffy
Sun Jan 04, 2015 3:34 pm
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3488

Re: Paper Statements

We do not get paper statements, but we do print off year end statements for our files. What my concern is what happens when all of us "paperless" people get demnsia or die? No paper statements (if like FIL last 30 years of statements and misc. paperwork) In fact the kids don't have access ...
by Skiffy
Wed Dec 03, 2014 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Exemptions - W4 Withholding Allowances
Replies: 7
Views: 902

Re: Tax Exemptions - W4 Withholding Allowances

If you go to the irs.gov website and pull up Publication 15. Then look at your current paycheck figure out by changing your withholding how much more or less over the year will be taken out. You may want to wait until filing your taxes for this year then seeing if you will get a refund if you can cl...
by Skiffy
Sun Nov 16, 2014 3:30 pm
Forum: Personal Consumer Issues
Topic: Recommend good fantasy (alternative history) book?
Replies: 13
Views: 1036

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
Mon Nov 10, 2014 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance/Retirement Planning Question
Replies: 25
Views: 2198

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 03, 2014 10:52 pm
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 4249

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
Sat Nov 01, 2014 4:46 pm
Forum: Personal Consumer Issues
Topic: Good book on Quickbooks
Replies: 8
Views: 652

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
Wed Oct 15, 2014 10:32 am
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3944

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
Fri Oct 03, 2014 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Best place to park my emergency funds
Replies: 16
Views: 2212

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
Thu Oct 02, 2014 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: What bumps were along your road?
Replies: 44
Views: 3642

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
Mon Sep 15, 2014 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3797

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
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: 2370

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
Fri Jul 11, 2014 2:18 pm
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 5114

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
Tue Jul 01, 2014 4:05 pm
Forum: Personal Consumer Issues
Topic: Building a home
Replies: 17
Views: 1602

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
Sun Jun 29, 2014 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off home as LTC Insurance?
Replies: 38
Views: 2278

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 15, 2014 10:24 am
Forum: Personal Consumer Issues
Topic: chicken marinade recipes
Replies: 32
Views: 2089

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
Thu May 15, 2014 7:56 pm
Forum: Personal Consumer Issues
Topic: Garden 2014
Replies: 46
Views: 4766

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
Wed Apr 30, 2014 6:29 pm
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 6116

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
Mon Apr 28, 2014 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Comparing W2 to 1099 job
Replies: 10
Views: 2590

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
Fri Apr 04, 2014 11:34 am
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 175
Views: 33157

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
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: 5054

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
Tue Feb 04, 2014 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Advice - inheritance vs. quality of retirement
Replies: 23
Views: 1957

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
Sun Jan 26, 2014 3:35 pm
Forum: Personal Consumer Issues
Topic: Gopher Madness
Replies: 71
Views: 3446

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
Wed Jan 22, 2014 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund for Self Employed?
Replies: 9
Views: 845

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
Sun Jan 19, 2014 3:13 pm
Forum: Personal Consumer Issues
Topic: Finished Basement Ideas
Replies: 32
Views: 2810

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
Wed Jan 08, 2014 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do you oversave for retirement or not?
Replies: 70
Views: 6336

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
Sat Jan 04, 2014 3:25 pm
Forum: Personal Consumer Issues
Topic: Non-retirees: Envisioning Retirement
Replies: 62
Views: 5154

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 Dec 28, 2013 4:34 pm
Forum: Personal Consumer Issues
Topic: House sitting - any pitfalls to avoid?
Replies: 19
Views: 2621

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
Sun Dec 15, 2013 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Recording Account details for heirs/spouse
Replies: 11
Views: 1101

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
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: 7548

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
Wed Dec 04, 2013 3:17 pm
Forum: Personal Consumer Issues
Topic: Food Processor Advice?
Replies: 18
Views: 1147

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 Nov 13, 2013 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Dying with $1 in Pocket
Replies: 52
Views: 3329

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
Sat Oct 19, 2013 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Giving notice...how much time?
Replies: 55
Views: 4782

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 12, 2013 9:55 am
Forum: Personal Consumer Issues
Topic: Cheapest way to move long distance
Replies: 48
Views: 4017

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 Sep 28, 2013 1:54 pm
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 9738

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
Fri Sep 13, 2013 8:59 pm
Forum: Personal Consumer Issues
Topic: Drainage issue - Requesting Your Thoughts
Replies: 14
Views: 1926

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
Mon Sep 09, 2013 9:54 pm
Forum: Personal Consumer Issues
Topic: Considering a Bread Machine
Replies: 38
Views: 2747

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
Sat Sep 07, 2013 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Re: College ... [Funding college tuition without a loan]
Replies: 24
Views: 2709

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 11:04 am
Forum: Personal Consumer Issues
Topic: Time between you drop off and pickup kid from an activity
Replies: 5
Views: 594

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 Aug 24, 2013 3:47 pm
Forum: Personal Consumer Issues
Topic: Canned Peas???
Replies: 107
Views: 10749

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
Thu Aug 22, 2013 11:28 am
Forum: Personal Consumer Issues
Topic: Grocery shopping price comparison (Costco vs BJs vs Sams...)
Replies: 35
Views: 5938

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
Wed Aug 07, 2013 12:00 pm
Forum: Personal Consumer Issues
Topic: casper wyoming
Replies: 27
Views: 2108

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
Sat Jul 13, 2013 11:57 am
Forum: Personal Finance (Not Investing)
Topic: My Early Retirement Thoughts and Calculations
Replies: 43
Views: 8993

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
Mon Jul 08, 2013 1:45 pm
Forum: Personal Consumer Issues
Topic: Forest cabin as second "home"
Replies: 27
Views: 4818

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...

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