Search found 192 matches

by birdy
Fri Aug 19, 2016 8:37 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7314

Re: The True Cost of Owning a Dog

For many years I and my dogs competed in obedience and conformation showing. The cost of the dog and vet/food is incidental compared to what I spent while showing!!! Weekends out of town staying in hotels at shows. Gas, training supplies, attending dog training classes and seminars and eating out ar...
by birdy
Mon Aug 15, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 262
Views: 29046

Re: Self-made Millionaires: how did hitting 7 figures change you?

I agree with Steve723. Hitting the 1M mark is a cause for celebration! Not a business owner, pension senior or inheritance baby. Made it by being frugal, seldom having debt (home mortgage only) and paying myself first (saving). The second Mil seemed easier--my savings/investments just kept doing wel...
by birdy
Thu Aug 11, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: why the limit of six withdrawals on a savings account
Replies: 22
Views: 3307

Re: why the limit of six withdrawals on a savings account

I have had a warning from my BofA money market account telling me only 6 transactions are allowed per month. I also think this is an inconvenient "rule". Now mostly retired, I use my money market account to hold cash until ready to put in my checking account to spend. I have started transf...
by birdy
Tue Jul 26, 2016 7:42 am
Forum: Investing - Help with Personal Investments
Topic: "New" combo product for LTC/Whole life insurance
Replies: 11
Views: 1032

Re: "New" combo product for LTC/Whole life insurance

Interesting.......I still don't quite understand it, but I understand it enough to say NO!

birdy
by birdy
Sun Jul 24, 2016 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: "New" combo product for LTC/Whole life insurance
Replies: 11
Views: 1032

"New" combo product for LTC/Whole life insurance

I was talking to someone at the gym yesterday. She mentioned a "new" product that combines LTC insurance with Whole life Insurance. Has anyone heard of this? She was saying that if you never use the LTC part, you will still get some money from the Whole life portion. I am not interested in...
by birdy
Sat Jul 16, 2016 4:35 pm
Forum: Personal Consumer Issues
Topic: Hatchback to match Camry on price/comfort/reliability?
Replies: 42
Views: 3055

Re: Hatchback to match Camry on price/comfort/reliability?

Try looking at a Toyota Matrix.

birdy
by birdy
Sat Jul 16, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Mattress Replacement Question
Replies: 8
Views: 1215

Re: Mattress Replacement Question

Sleep number bed. You can adjust it to firmness/softness you want. We have now had ours for 18 years and still going strong. We had tried a regular mattress before this one but it started sagging in the middle after about 5 months. The Company replaced it with another one which did the same thing! M...
by birdy
Thu Jun 30, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help--forgot the name of this updated book!
Replies: 14
Views: 1210

Re: Help--forgot the name of this updated book!

I just got my copy of "how to make your money last". Very good read. Brought up some points I hadn't considered. Thanks everyone for helping me with the name of the book!!

birdy
by birdy
Thu Jun 23, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: Group Travel?
Replies: 14
Views: 1498

Re: Group Travel?

Our travel situation is unique (in my opinion). We live in Dallas Texas, and our travel agency (sharoncarrtravel.com) advertises group tours on our local radio station. We have tried to book trips on our own but always end up going with a tour group from the travel agency. The prices that they offer...
by birdy
Sun Jun 12, 2016 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help--forgot the name of this updated book!
Replies: 14
Views: 1210

Re: Help--forgot the name of this updated book!

Thanks everyone for your help! It is "How to Make your Money Last"!
I have learned my lesson. When I read the Blog I will now keep pen/paper beside my computer to write down stuff I see. I just kept saying to myself I could easily find it again---NOT!

birdy
by birdy
Sun Jun 12, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Help--forgot the name of this updated book!
Replies: 14
Views: 1210

Re: Help--forgot the name of this updated book!

Thanks BigJohn, but it is a more generalized book on how to handle finances when you have just retired..
by birdy
Sun Jun 12, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Help--forgot the name of this updated book!
Replies: 14
Views: 1210

Help--forgot the name of this updated book!

I recently read about the update to a book about what to do when you retire. I can't for the life of me find it. I don't seem to have luck when I try to "google". The book was to help decide for example: tax implications about taking ss at certain ages etc. Does this ring a bell to anyone?...
by birdy
Sat Jun 11, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Recommendations for Dallas BBQ/TexMex Restaurants
Replies: 51
Views: 2620

Re: Recommendations for Dallas BBQ/TexMex Restaurants

Last night I went to a suggested BBQ place to try it. I went to Hard 8. I was NOT impressed. No "plate" meals, only per lb meats with almost all the veggies extra (beans came with the meal). The ribs were dry, the sausage was ordinary and the small slice of prime rib was grisly. You sat on...
by birdy
Mon Jun 06, 2016 9:41 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Dallas BBQ/TexMex Restaurants
Replies: 51
Views: 2620

Re: Recommendations for Dallas BBQ/TexMex Restaurants

That's a good one OldOne!!! Growing up in Vancouver Washington, the only kind of Mexican food you could find was Taco Bell! When I moved to Dallas I discovered all the tasty choices of "real" TexMex! Margaritas are great to!!!!

birdy
by birdy
Sun Jun 05, 2016 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: advice on life/work situation/stop full-time work?
Replies: 22
Views: 1919

Re: advice on life/work situation/stop full-time work?

I have been a Diagnostic Medical Sonographer for 27 years. Since November, I have only been working 2 mornings per week. You know what?????------I now LOVE interacting with my patients! Being in any kind of health care can suck the life out of you. At least in my profession, they often lay there (in...
by birdy
Sun Jun 05, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Dallas BBQ/TexMex Restaurants
Replies: 51
Views: 2620

Re: Recommendations for Dallas BBQ/TexMex Restaurants

For Tex Mex on the (upscale side but no dressing up) our favorite is: Uncle Julio's Dallas North Tollway at Keller Springs Road (on the way north to Plano/Frisco/McKinney) 16150 Dallas Parkway Dallas, TX 75248 972)380-0100 They make their own flour tortillas. My fav is the sour cream chicken enchila...
by birdy
Tue May 10, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: House 'For Sale By Owner' - Can One Do It Alone?
Replies: 26
Views: 3754

Re: House 'For Sale By Owner' - Can One Do It Alone?

Sold my last house using the company "For Sale By Owner". Came with a packet of info and forms, came out and took pictures, and posted it on their website. I had some open houses myself and sold it with no problems. We have been brainwashed into thinking the process is so complicated we ca...
by birdy
Fri Apr 29, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 60
Views: 5230

Re: How do you stop robo-calls/unwanted calls?

We have been receiving many junk calls also. I changed my answering message saying that because of so many unwanted calls, we no longer answer the phone. People that really want to talk to us leave us a message or if we are home when the phone rings we check caller ID to decide to answer. Since I wo...
by birdy
Fri Apr 29, 2016 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 560
Views: 67138

Re: High Earners - What's Your Profession?

Software engineer in banking (husband) and Diagnostic Medical Sonographer (me).
Husband retired 2 months ago (age 61) and I only work 2 mornings per weeks (61).
by birdy
Mon Apr 25, 2016 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 97
Views: 8884

Re: Relocating to a tax free state with good weather need advice

My 2 cents: Live where you love the people and feel alive when you walk out your door. There is more to life than to worry about taxes.

birdy
by birdy
Mon Apr 11, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Small, creative and daily ways to save money
Replies: 12
Views: 2057

Re: Small, creative and daily ways to save money

My husband just retired and I only work 2 mornings per week. We LOVE to eat out. We have decided to cut down on the eating out but just hit on a frugal way to eat/save. We have been eating "dinner" occasionally at restaurants that have happy hour. We just had 4 ($2.00 each) Margaritas and ...
by birdy
Mon Apr 11, 2016 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with Fidelity?
Replies: 51
Views: 4246

Re: Experience with Fidelity?

My husband just retired and his 401k was with Fidelity. We decided that he would rollover his 401k into Fidelity instead of adding it to our Vanguard accounts. We used the Spartan accounts. He likes the service at Fidelity and there seemed to be little difference in the quality/expense ratios. It ad...
by birdy
Thu Apr 07, 2016 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Nuts? [to reallocate portfolio]
Replies: 31
Views: 2658

Re: Am I Nuts? [to reallocate portfolio]

If Taylor and Livesoft are giving you advice....I would take it. The world is full of uncertainty and all you can do is the best you can. Sounds like you don't sleep well at night with what you are currently invested in. Only you know what makes you at peace. I wish you well.

birdy
by birdy
Sat Mar 19, 2016 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire Next Door and Budgeting
Replies: 81
Views: 9590

Re: Millionaire Next Door and Budgeting

I am with Klangfool and ny_rn, I have never budgeted BUT I always keep track of what large bill will be coming in (car/home insurance, LTC insurance etc.) so I have enough in my savings account to pay them. From teen years on I have always "paid myself" first. My spouse and I have always b...
by birdy
Fri Feb 26, 2016 10:14 pm
Forum: Personal Consumer Issues
Topic: Cheap MRI in Connecticut?
Replies: 18
Views: 1697

Re: Cheap MRI in Connecticut?

I am in the health care field. I would only use an "open"MRI if I was so obese that I didn't qualify for regular MRI. The MRI tables have a weight limit so not everyone can fit in it. "Open" MRI has a lower quality image, more difficult for the radiologist to read with accuracy. ...
by birdy
Fri Feb 26, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: Mice and termite issues
Replies: 32
Views: 2385

Re: Mice and termite issues

I just recently had a rat problem in my attic. The Pest control put bait stations around the exterior, bait (non lethal)to track the attic infestation, and sealed up all but one entrance point (so rats could exit the attic). The also put huge rat traps all over the attic. They trapped (killed) 15 ra...
by birdy
Sat Jan 30, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 16139

Re: Do you pay for exercise?

Let my gym membership go 4 years ago when my self employment started. Schedule for work has been so varied I could not get there---gained 45 lbs! Now partially retired so rejoined gym in November. I use their indoor pool 3-4 times per week (and go to the water aerobics classes). I am already feeling...
by birdy
Sat Jan 30, 2016 2:45 pm
Forum: Investing - Theory, News & General
Topic: Who else is holding in cash? [For future investing]
Replies: 66
Views: 5485

Re: Who else is holding in cash?

23.5% cash (CD's) about 5 years of living expenses. I am 61 years old now and only working 8-12 hrs. per week. Spouse 61 yrs and retiring totally this year. We hit our retirement goal some time ago, so time to start traveling more! I sleep very well at night and pay no attention to the market noise ...
by birdy
Sun Jan 24, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Questions about getting a dishwasher
Replies: 28
Views: 1612

Re: Questions about getting a dishwasher

This month I bought the Bosh SHE68T55UC07. I replaced an 18 year old dishwasher that had a plastic interior and rusting. I had a Bosh in my last home (19 yrs ago) and really liked it. I read all the on-line info (a lot of people complained it "smelled" when you opened it). I decided to pur...
by birdy
Thu Jan 14, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 vs W2
Replies: 9
Views: 536

Re: 1099 vs W2

Remember, with a 1099 they do not take taxes from your check! Depending on the amount you make that way, you may need to start doing estimated tax (quarterly) payments. I have to do that and I would much prefer the W2 where employer takes out the taxes before I get my check.

birdy
by birdy
Fri Jan 01, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Scary Consumer Warnings on New Towels
Replies: 19
Views: 2552

Re: Scary Consumer Warnings on New Towels

I have been using BP for years on my adult acne. I have had lots of hand towels (which I use for my face) turn colors due to these products. This is nothing new!!! When my towels look too "ugly" I just use them as dusting and car cleaning rags. I guess it is about time that towel manufactu...
by birdy
Thu Dec 10, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: Advice for Encouraging Parents to Declutter Home?
Replies: 38
Views: 3072

Re: Advice for Encouraging Parents to Declutter Home?

I broached just this subject with my father when I visited them in July. I was trying to help him trim some bushes and he gave me this broken hedge clippers to use. Every time I tried to cut with them my knuckles banged together. I ask him why he didn't throw them away and get new ones. He said he i...
by birdy
Tue Dec 08, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 251
Views: 20998

Re: Flaunt Your High-Mileage Car

2003 Pontiac Vibe with 104,000. Mechanic said can go at least another 150,000 more miles. He also said when I want to sell it to let him know! Inexpensive car (-$20,000) which I chose by using consumer reports.
by birdy
Sun Nov 29, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Are suitcase locks worth it?
Replies: 44
Views: 4199

Re: Are suitcase locks worth it?

I have traveled all over the world. I use zip ties exclusively on my bags. They keep my zippers from opening in transit. I also know when someone has been in my bag because they cut them. I carry spares (have not been able to have TSA relock them). Gave up locks a long time ago. Zip ties have worked...
by birdy
Sun Nov 29, 2015 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is it ever a good idea to make retirement date known?
Replies: 43
Views: 4715

Re: Is it ever a good idea to make retirement date know?

My spouse is retiring the first part of next year. He has scheduled a 3 week "vacation" in January to use all his vacation/personal time. He will then go back to work and announce his retirement. His company is really bad about just walking employees "out the door" when it is kno...
by birdy
Sun Nov 01, 2015 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Helping others become like us...
Replies: 44
Views: 3356

Re: Helping others become like us...

How true.......!
birdy
by birdy
Sun Nov 01, 2015 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Helping others become like us...
Replies: 44
Views: 3356

Re: Helping others become like us...

I have a sister who actually moved and old 401K to Vanguard after I mentioned the VG total stock market fund. When she called Vanguard she remembered I had recommended that fund and Vanguard had reinforced it as a great fund. When she casually mentioned that she did it, I almost fell over!!! Her hus...
by birdy
Sun Nov 01, 2015 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: EE Series Saving Bonds 1987 & 1989
Replies: 9
Views: 1114

Re: EE Series Saving Bonds 1987 & 1989

I have EE savings bonds purchased back in 1992. Bond W. shows rate=4% and yield=5.02%
They mature in 2022----keeping them until maturity!
by birdy
Wed Oct 07, 2015 10:02 am
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 23865

A new Ally Bank????

[Thread merged into here, see below. --admin LadyGeek] Friends: I just got an email from Ally Bank (I have used them since they were GMAC) saying they are making "A few Changes". They are going to a "3 tier" system according to how much money you have with them. Your savings and...
by birdy
Mon Aug 31, 2015 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Question
Replies: 3
Views: 324

Re: Cost Basis Question

Thank you both for the information! All I have done over all these years is put money in. Now I am reaching my retirement date and am thinking about the ins and outs of withdrawing from my portfolio. It feels like a strange situation to be in. I have been in saving mode forever, and now thinking abo...
by birdy
Sun Aug 30, 2015 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Question
Replies: 3
Views: 324

Cost Basis Question

I am rolling over my last old 401k. I didn't know if I should add the money to my already existing mutual fund IRA account or open a new one for this money. I didn't know if adding to my existing fund will cause the cost basis to be more complicated on that fund or if it matters at all to keep the n...
by birdy
Fri Aug 28, 2015 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: help with morningstar x-ray
Replies: 3
Views: 298

Re: help with morningstar x-ray

Thanks for the quick reply! It is CASH$
birdy
by birdy
Fri Aug 28, 2015 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: help with morningstar x-ray
Replies: 3
Views: 298

help with morningstar x-ray

I can't find info on x-ray to include "cash" in the instant x-ray portfolio. I seem to remember you CAN do it, I just can't find what to enter to do it! Any of you remember????? Thanks.

birdy
by birdy
Fri Aug 14, 2015 9:36 am
Forum: Investing - Theory, News & General
Topic: How to Calculate Balance in VTSMX over 21 yrs
Replies: 5
Views: 488

How to Calculate Balance in VTSMX over 21 yrs

Hi everyone: I just spoke with Vanguard to propose my question and they did not have a satisfactory answer for me. I was hoping someone here could give their way they would solve this puzzle: If $50,000.00 was invested in VG Total Stock Market Index Fund (VTSMX) in 1994 (never touched and all divide...
by birdy
Tue Aug 11, 2015 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 28
Views: 3331

Re: Unclaimed property

Wow! I just checked my name on it. I have something from Microsoft for $54.00!!! Thanks for the link!
birdy
by birdy
Tue Aug 11, 2015 8:36 pm
Forum: Investing - Theory, News & General
Topic: How did Barron's number one ranked fund family perform?
Replies: 10
Views: 1917

Re: How did Barron's number one ranked fund family perform?

They may be Barron's Number one fund, but they were one of the reasons I started to educate myself on Investing. When I was young and stupid, I went to them after my first "financial planner" put me in a real estate limited partnership which went bankrupt. Waddell and Reed put me into 2 fr...
by birdy
Thu Jul 30, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Auto collision with uninsured driver caused $5000 in damage. What to do?
Replies: 23
Views: 2958

Re: Auto collision with uninsured driver caused $5000 in damage. What to do?

When you find out what the insurance company will/will not pay----sue for balance in small claims court.

birdy
by birdy
Fri Jul 10, 2015 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: 5 year CD @ 2.4% - a good deal?
Replies: 32
Views: 5241

Re: 5 year CD @ 2.4% - a good deal?

I just had a 5 year CD mature 6/30/15. I used depositaccounts.com and found a 5 year CD rate for 2.50% APY at City Credit Union. I was able to qualify to become a member (this is not always the case!). No one else (bank or credit union) was close to this APY. I go where I can get the best (insured) ...
by birdy
Fri May 15, 2015 10:13 pm
Forum: Personal Consumer Issues
Topic: Buying a New Construction Home - what do I need to consider
Replies: 32
Views: 3724

Re: Buying a New Construction Home - what do I need to consider

Our first custom home was about a year old when we purchased it from the origional owner. There was empty land behind it. We were told it was zoned single family so we weren't worried. WELL, yes it was single family but 2 homes on 1 lot! We had lots of increased traffic in our neighborhood due to do...

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