Search found 208 matches

by birdy
Wed Feb 22, 2017 11:05 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 1232

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

You life has touched so many others in ways we can not express. Thanks and congrats to you and the special family who donated the heart that you could continue to mentor us.

birdy
by birdy
Wed Feb 22, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6331

Re: Which puppy to buy: golden retriever or labrador retriever?

I don't know how much you have considered the size & strength of your two chosen breeds? Going from a smaller dog (Corgi) to a larger (80+ lbs) could make it more difficult to control. I was raised with German Shepherds, Standard poodles, and Bouvier de Flanders which are all large dogs. Even th...
by birdy
Thu Feb 16, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5683

Re: Closed my Roth IRA due to political uncertainty - mistake???

You can lead a horse to water (information) but you can't make him drink (act).

birdy
by birdy
Mon Feb 13, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14828

Re: Why do you go to restaurants?

Spouse and I like different food. When we eat out (lunch usually as it is cheaper) we don't have to consider each others taste. We can get what we want.

birdy
by birdy
Mon Feb 13, 2017 10:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 257
Views: 9561

Re: Your USER NAME...what does it mean?

My real name is the name of a bird!! Thus birdy was born.
by birdy
Tue Jan 31, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: social security - how to estimate benefit growth with 0 future earnings
Replies: 4
Views: 587

Re: social security - how to estimate benefit growth with 0 future earnings

I'm glad you ask that question. I wondered that myself!!

birdy
by birdy
Sat Jan 28, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for admittance to the 2-comma club
Replies: 79
Views: 5707

Re: Criteria for admittance to the 2-comma club

Those are certainly big milestones. I would add that somewhere in there (or beyond, depending) should be financial independence goals, perhaps beginning when your investable assets could support your basic living expenses and another when they can support your desired lifestyle. For me, the latter i...
by birdy
Wed Jan 25, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Changing FICO Score
Replies: 42
Views: 3458

Re: Changing FICO Score

Thanks NC911: I have 5-6 credit cards I never use (mainly only use 2 cards and pay them off every month).You are right! I need to use some of the other cards once in a while! We long ago paid off the house and we buy cars with cash the last two times. I dislike sitting down every month to pay bills....
by birdy
Mon Jan 23, 2017 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Changing FICO Score
Replies: 42
Views: 3458

Re: Changing FICO Score

Thanks for all the replies. .First CC with AAA. Issued through Bank of America (our primary bank) .Income since retiring is $70,000 less now. Yes, we were socking lots of income away in investments while working. Had more money coming in than needed for living expenses. .I made a stupid mistake befo...
by birdy
Sat Jan 21, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Changing FICO Score
Replies: 42
Views: 3458

Changing FICO Score

My spouse and I have been retired for almost 1 year now. We are taking a trip to Italy in March and decided to get a credit card with no overseas transaction fees. I applied for a AAA Visa card. I was shocked when I got a letter from them saying they would only approve me for a $4000.00 credit limit...
by birdy
Sat Dec 17, 2016 8:59 pm
Forum: Personal Consumer Issues
Topic: Any experience with the Sleep Number bed?
Replies: 24
Views: 2782

Re: Any experience with the Sleep Number bed?

Have had my sleep number bed for 18 years. Have not replaced ANYTHING on it. The only thing I have noticed is that after 2-3 months, I need to add more air (some leaking somewhere?). The trick to this bed is finding the right firmness. We originally had about a month of fiddling with it until we fou...
by birdy
Sat Nov 12, 2016 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: 50% Increase in my Long Term Care Policy
Replies: 23
Views: 2753

Re: 50% Increase in my Long Term Care Policy

What we are trying to do with LTC is to protect the healthy spouse from the large expenses that eat into savings when the other has to be in assisted or memory care. With my mother-in-law, she lived in a independent retirement facility that was about $2700. per month (cost included 3 dinning room me...
by birdy
Sat Nov 12, 2016 1:05 am
Forum: Personal Finance (Not Investing)
Topic: 50% Increase in my Long Term Care Policy
Replies: 23
Views: 2753

Re: 50% Increase in my Long Term Care Policy

With my notice of 50% premium they gave me the following choices: 1)Keep my current coverage by paying the new premium 2)Reduce my coverage & keep my premium about the current level by reduce max monthly benefit and/or to adjust my benefit period, inflation option or elimination period or 3) sel...
by birdy
Thu Nov 10, 2016 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: 50% Increase in my Long Term Care Policy
Replies: 23
Views: 2753

50% Increase in my Long Term Care Policy

I am in shock. Just got my Long Term Care Insurance premium change notice. I have had LTC policy with Genworth since January 2007. My premium is increasing from $2,772.00 to $4160.77----a 50% INCREASE. The notice also cautions that they may increase again in the future. I am not sure what we are goi...
by birdy
Sun Sep 11, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 98
Views: 7146

Re: Preparing financially for our funerals - prepay or not?

Gene2001: The funeral director told us that it should only be around $200.00 to put the ashes into the plot we already own in Iowa. Very small town--probably cheaper up there.

birdy
by birdy
Fri Sep 09, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 98
Views: 7146

Re: Preparing financially for our funerals - prepay or not?

This is an interesting subject for me. Just last week we decided to check into arrangements for our 89 year old mother. As she is so old, we will not have a memorial service where she currently lives. We will have a "family get together" where her plot is located in Iowa on a convenient da...
by birdy
Fri Aug 19, 2016 8:37 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 13570

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: 304
Views: 44924

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: 3580

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: 1167

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: 1167

"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: 3478

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: 1339

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: 1348

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: 1654

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: 1348

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: 1348

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: 1348

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: 3153

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: 3153

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: 2242

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: 3153

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: 3962

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: 5596

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: 71190

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: 9355

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: 2130

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: 4734

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: 2794

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: 10081

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: 1797

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: 2569

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: 17263

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: 5951

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: 1796

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: 609

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: 2685

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: 3275

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: 316
Views: 30988

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.

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