Search found 273 matches

by birdy
Thu Jun 14, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3529

Re: Non-alcoholic drinks for wedding

I don't understand all this must provide dinner/free bar stuff at weddings now days. When I was married we had cake and punch. Now I guess brides feel obligated to feed people to "pay" them for their wedding gifts! The idea that you can't have a wedding reception without booze is ridiculous. I guess...
by birdy
Wed Jun 13, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 78
Views: 5394

Re: Anyone with a paid off house drop homeowners insurance

My house long ago paid off. Still keeping insurance!

New roof in 2011 due to hail
New roof being put on in 2 weeks due to hail ($18,000.)

I could pay for the cost myself also, but that's what insurance is for!

birdy
by birdy
Wed May 30, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Lawyer instead of buyer's real estate agent? Experience anyone?
Replies: 54
Views: 4978

Re: Lawyer instead of buyer's real estate agent worked great!

One of the homes I lived in I decided to sell myself. I used FSBO, a company that for a flat fee markets and then takes care of all the paperwork to close on a house. This was at a time when I bought high and the house didn't maintain it's high value. I was going to loose money if I used a realtor. ...
by birdy
Sun May 27, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth LTC (Again)
Replies: 19
Views: 1779

Re: Genworth LTC (Again)

You are right Ralph! I hadn't thought about increasing the elimination period either for the poster! It has been so long since I bought our policy, I need to check what we have on ours!

birdy
by birdy
Sun May 27, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Genworth LTC (Again)
Replies: 19
Views: 1779

Re: Genworth LTC (Again)

I and spouse also have a Genworth LTC policy. We have savings (minus house value) of around what you do. We are retired now (63/63). No children. Mother- in- law lived in retirement living for 10+ years with health care workers for assistance. Very expensive for the apartment and then having to pay ...
by birdy
Sat Apr 28, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: What is the best case scenario of "settling" for a late entrant?
Replies: 23
Views: 1890

Re: What is the best case scenario of "settling" for a late entrant?

Manedark: Welcome to the Bogleheads website! I and spouse were lucky to accumulate enough savings to retire at 60 yrs old. The way we did it was by starting young to be savers (finding this site of course!) and our savings grew and grew over time! There is really nothing magical about having enough ...
by birdy
Sat Apr 21, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 14470

Re: BH travel tips?

1) I hate money belts or those pouches which hang around the neck. I purchased a new product from Clever Travel Companion. It is a tank top with a "secret" pocket. They had a choice of a zipper pocket right in the middle of your chest and/or a zipper on the side of your torso. I got both. My favorit...
by birdy
Fri Apr 06, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Used a Healthcare Broker--and I liked it!
Replies: 15
Views: 2225

Re: Used a Healthcare Broker--and I liked it!

Celia-I DID shop around--Texas has very little in healthcare options. bloom2708--We make too much to qualify for any ACA subsidies. quantandhold--Maybe I should move to California! As I understand it, rates and coverage vary widely from State to State. Tanelorn---Loved your comment! That is exactly ...
by birdy
Wed Apr 04, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Used a Healthcare Broker--and I liked it!
Replies: 15
Views: 2225

Re: Used a Healthcare Broker--and I liked it!

LLC is a farm that raises corn/soybeans in Iowa. LLC has 3 people who own shares. The rental from the land is split between these 3 people. We had to apply for approval with the health insurance company to set this up. Insurance company approved of LLC as a business. We had to get documents signed f...
by birdy
Wed Apr 04, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Used a Healthcare Broker--and I liked it!
Replies: 15
Views: 2225

Used a Healthcare Broker--and I liked it!

Spouse and I were at the end of our 18 months of COBRA. Talked to a Healthcare broker through the Independent Insurance Agency we use for the rest of our Insurance. We wanted help deciding what to do now (go on Obamacare). He told us we were able to ask the employer for an EXTRA 6 months of COBRA he...
by birdy
Sun Mar 25, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: "I won the Lottery" update -
Replies: 33
Views: 8348

Re: "I won the Lottery" update -

:sharebeer I just want to add my congratulations to you and your spouse. Isn't the feeling wonderful when you think about your future???? I have not won a "lottery" but I hit the lottery when I married my spouse! Having two frugal people working hard to "save for a rainy day" (early retirement) has ...
by birdy
Wed Mar 14, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 8905

Re: traveling to mexico, should I be concerned?

There was a big story that reviews through (Trip advisor etc.) were deleting reviews that involved alcohol, rapes, doping etc. at these large all inclusives. There were numerous tourists reviews saying their review was deleted and that doing this caused a false sense of security at these places. I h...
by birdy
Tue Mar 13, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Market Link CD
Replies: 5
Views: 707

Re: Market Link CD

Sorry. This information is above my pay grade! Have never thought to use it as part of my retirement plan.

birdy
by birdy
Mon Mar 12, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Big Work Trip - Looking for Ideas
Replies: 15
Views: 1547

Re: Big Work Trip - Looking for Ideas

We just got back from Bangkok (3 weeks). The traffic is TERRIBLE. We used the Skytrain and Chao Phraya river boat taxi to get to tourist sights (tuck tucks-eating car fumes in traffic jams) (taxi-can walk faster than taxi can travel on most roads) (motorcycle taxi---waaay too scary as they drive bet...
by birdy
Mon Mar 12, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 8905

Re: traveling to mexico, should I be concerned?

I love to travel. Just got back from 3 weeks in Bangkok, Thailand. As for Mexico, I personally would not go there right now. I have followed the problems occurring (fake liquor, people being doped, bad security, kidnappings) and decided that the problems occurring are not worth it for me. Too many o...
by birdy
Sat Jan 27, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Who taught you about financial responsibility?
Replies: 107
Views: 7380

Re: Who taught you about financial responsibility?

My mother did........I watched her get the shoe box down once a month with all the bill she had to pay. Watched as she tried to decide what she could pay and what she couldn't that month. When I started babysitting the neighbors children before school, I used to sneak in her purse and put money in i...
by birdy
Wed Jan 24, 2018 12:20 am
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 105
Views: 11071

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

I used to be one of the Bogleheads who tried to help answer some questions. But it has seemed that more and more requests from people who have not checked the Bogleheads Wiki first. Maybe if we had something that said "Welcome first time Bogleheads" which would cause them to click on that heading. T...
by birdy
Mon Jan 22, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Passport renewal and usage- what's the scoop?
Replies: 33
Views: 3083

Re: Passport renewal and usage- what's the scoop?

On a related note: I had an appointment for my interview for Global Entry set for Tuesday. I got an e-mail this a.m. saying it is cancelled because the government is shut down. Right on the forms I filled out was that if my interview was cancelled, I may have to resubmit my application all over agai...
by birdy
Tue Jan 16, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Considering PhD...but so much to consider...
Replies: 51
Views: 3919

Re: Considering PhD...but so much to consider...

My spouse was in similar dilemma. He was a computer programmer. Went back for Masters and instructors tried to get him to get his Ph. D. He thought that the higher degree would price him out of programming jobs without even getting an interview. (he had no interest in being a teacher) He researched ...
by birdy
Tue Jan 16, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: US escorted tours
Replies: 15
Views: 1179

Re: US escorted tours

I have been on many tours with Trafalgar but only overseas. If they offer trips in the U.S., your visitors should enjoy it. I don't drive overseas due to confusion over which side of the road and also the fact that even if a place has stop lights the natives have different "rules of the road" than w...
by birdy
Tue Jan 16, 2018 12:36 am
Forum: Personal Consumer Issues
Topic: FlipPhone
Replies: 18
Views: 1678

Re: FlipPhone

I am one of those flip phone users. Spouse has fancy one but I have never felt the need to carry a computer with me at all times. I also never seem to use all my minutes. When traveling, it has been easy to use a computer at a hotel to check my home email. I don't text. I have never seen the point i...
by birdy
Tue Jan 16, 2018 12:28 am
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 18
Views: 1531

Re: TSA locks for luggage

I have been to Vietnam. I never felt unsafe there (this was 5 years ago). The only thing of value I ever take with me when traveling is my camera. I put this in my carry-on. I don't wear jewelry or any tee shirts with English writing. I have always used zip ties if I have to check a bag. Usually I j...
by birdy
Sat Dec 16, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: LTC policy increase - keep, reduce coverage or ditch?
Replies: 18
Views: 1705

Re: LTC policy increase - keep, reduce coverage or ditch?

I can't say it any better than what Mlebuf said! Spouse and I have LTC with Genworth and the premium went up 50%. We decided to keep it as is and renew. I also worry about one of us going into assisted living while the other of us still needs to maintain our home.

birdy
by birdy
Sat Dec 16, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 18913

Re: Save all this money, what do you splurge on?

Taking a trip to Thailand and for the first time going to upgrade to BUSINESS CLASS!!!!!! I am so excited!!!!
by birdy
Mon Dec 04, 2017 12:46 am
Forum: Investing - Help with Personal Investments
Topic: cash out pension or no?
Replies: 9
Views: 1318

Re: cash out pension or no?

I just had this come up myself. I worked for Kaiser early in my career. They had a pension. This year I got a letter stating they could give me my $39,000. pension amount or I could leave it and get $220.00 per month when I "retired". The monthly amount was not going to make an impact on our monthly...
by birdy
Mon Dec 04, 2017 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Variable annuities Yes/No
Replies: 50
Views: 6198

Re: Variable annuities Yes/No

Carl:

By now hopefully you will say NO to products intended to totally confuse you with BS! You have been given the answer to your question LOUD AND CLEAR!

birdy
by birdy
Sat Dec 02, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 23172

Re: Best Financial Moves You've Made

Saving money for retirement and emergencies is not glamorous nor popular. Some times you have to put off "wants" and concentrate on "needs". To watch other people your age buying fancy cars and taking fancy vacations is hard. But if you develop the Boglehead mind set, you will just snicker at them f...
by birdy
Sat Dec 02, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: I'm new and need some advice/guidance
Replies: 5
Views: 425

Re: I'm new and need some advice/guidance

cis_: Yes, to guarantee the return you need, a CD is what you need. If you put your money into equities (stocks) you probably know that there is NO guarantee. Stocks go up and they go down. Over the LONG HAUL you will probably have more money in the equities, but that is not GUARANTEED! That is why ...
by birdy
Sat Nov 25, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 6234

Re: Etiquette question: going out to dinner with friends and how to split the bill

When waitress comes to take our order, I tell her "we are together". I hate splitting the bill due to some of our friends spending way more for their meal than we do! Doing it this way there is no discussion about who pays the bill. I don't feel guilty if I order a dessert when no one else does. birdy
by birdy
Sun Nov 19, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 7105

Re: How much do you budget for vacation?

We used to take one "big vacation" (out of the country) every other year. NOW since retired, we are traveling out of the country Every year! We budget $10,000. to $15,000. per year for trips. We are frugal. We go with group tours out of the country which saves us money (yes, we are THOSE people who ...
by birdy
Sat Nov 04, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: CR doesn't like some formerly favored SUVs
Replies: 25
Views: 3333

Re: CR doesn't like some formerly favored SUVs

I have purchased all my cars by what CR recommended. I have never had a lemon by doing this. I keep my cars a long time. Currently drive a 2003 Pontiac Vibe that was CR recommended (purchased new). The mechanic I use has told me if I ever want to sell it, he wants to buy it from me! My spouse keeps ...
by birdy
Tue Oct 24, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: I just want to invest 200k and get 3%
Replies: 20
Views: 5677

Re: I just want to invest 200k and get 3%

use bankrate.com or depositaccounts.com to find a FDIC insured CD.

birdy
by birdy
Tue Oct 24, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Commission only fiduciary planner
Replies: 129
Views: 6533

Re: Commission only fiduciary planner

Pdub: Why are you working so hard to convince us they are working for YOU??? I also suggest you not go to the meeting as you will only be met with a sales pitch that sounds good but ends up MAKING NO SENSE for you. Commission = Sales. Even though some friends have told you this company is the one th...
by birdy
Sun Oct 08, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 3025

Re: What to do with unused paint?

In our city, we call the waste disposal department. They will pick it up at the curb at a time they will determine. They also do this for any other hazardous materials.

birdy
by birdy
Wed Oct 04, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: River cruise recommendations (Europe)
Replies: 19
Views: 1924

Re: River cruise recommendations (Europe)

Have been on ocean cruises (6) and river cruises (3). I like the more intimate river cruise. Have been on Uniworld and Globus and both very good. Pick a trip according to your interest in going to certain places, then check the reviews. I live in Dallas, TX and use Sharon Carr travel. They organize ...
by birdy
Wed Oct 04, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: 2M savings investment help
Replies: 49
Views: 10438

Re: 2M savings investment help

I also have investments around $2.6 m. Three fund portfolio 60/40 (age 62) the "40" is in savings bonds, CDs and 2 bond funds. (largest amount is in CD's) Spouse and I accumulated this amount due to investing in 401k's and Roths. Also became boglehead fairly early so was confident in the mutual fund...
by birdy
Sun Sep 24, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Older or younger people travel around?
Replies: 31
Views: 3655

Re: Older or younger people travel around?

My spouse and I started traveling early in our married life. Why the emphasis on age of fellow travelers? We have been have been on several river cruises (adventure trips). Egypt, Cambodia, Vietnam. We were surrounded by like minded people who craved a different travel experience. We have been on mu...
by birdy
Tue Aug 22, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 37
Views: 3122

Re: Possible January trip to Naples, Italy / Amalfi Coast

Was in Italy 3 months ago. As part of the tour we were on, we were supposed to go to Naples also. The tour company took us in the bus around the dock area and that was it. They said in Naples the people do not obey the street signs/law and too much crime for us to get off the bus. We didn't even get...
by birdy
Sat Aug 19, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Draperies or Honey Comb Shades/Blinds?
Replies: 31
Views: 3905

Re: Draperies or Honey Comb Shades/Blinds?

I recently got rid of my 19 year old mini blinds and purchased custom made roller shades. I really like them. You can purchase roller shades that let some light in or get the ones that darken the room. The roller shades seem more contemporary to me (I also got rid of all my old window valances). Als...
by birdy
Fri Aug 04, 2017 7:37 am
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 8899

Re: Study: Who Sold Stock During the 2008-9 Crash?

Did nothing but wait it out.....was scary but I didn't panic.

birdy
by birdy
Mon Jul 31, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 55
Views: 75240

Re: Opticians: is there any difference in quality of Costco glasses?

The problem I had with this first pair of progressives from Costco was the tech who fit them for me. When I would watch TV I would have to tip my chin up to find the "sweet spot" for that range. I went back 3 times for them to adjust the frames thinking that was the problem. FINALLY, I got a REAL op...
by birdy
Tue Jul 25, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 43
Views: 4640

Re: Pay yourself first.

I have lived my life using the same adage to "pay myself first". Which has always meant to me not spending everything you earn but instead "saving" some of it. Whether a money market/CD/investment, I pay myself before spending the rest.

birdy
by birdy
Thu Jul 20, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA For 1 Month (?)
Replies: 11
Views: 1162

Re: COBRA For 1 Month (?)

FYI: Family COBRA coverage for us expires Sept 30 (2017). In talking to an insurance broker about my choices for coverage (only 3 providers in Texas to choose from) he told me to check with the former employer about CONTINUING THE COBRA COVERAGE. I told him my 18 months was up. He said not many peop...
by birdy
Tue Jun 27, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 20222

Re: Sam's Club vs. Costco

I had a really bad experience at Sams: Went through the check out with my basket and paid. Got to door and they checked my basket against my receipt. The clerk had some how not rung up one of my items and I was treated like a shop lifter. Was so embarrassed I never went back again. Joined Costco 2 y...
by birdy
Wed Jun 21, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 6535

Re: Help with Guns in Estate [how to sell]

Any gun shows going on near you? Spouse used to go to them and get names of locals buying and selling. As another poster mentioned, here in Texas it is easy to buy or sell guns. Have you tried a pawn shop?

birdy
by birdy
Fri Jun 16, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: house or condo for a frequent traveling family?
Replies: 17
Views: 2471

Re: house or condo for a frequent traveling family?

I would rent. I would not want my home to sit empty for that length of time. Your landscaping will look bad (you aren't there to supervise proper maintenance) so your curb appeal will scream BREAK IN HERE!!!! Besides, going to different cities you might decide you would rather put down roots some wh...
by birdy
Tue Jun 06, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?
Replies: 22
Views: 1725

Re: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?

We got a AAA card because it has zero foreign transactions fees. Went to Italy 2 months ago and worked fine. We also though, got Euros because cash is accepted everywhere! Some small shops/coffee places have a minimum amount you have to be charging in order to use your cc card. To tell you the truth...
by birdy
Sun May 14, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Where do you get your tea ?
Replies: 23
Views: 2725

Re: Where do you get your tea ?

I went on an African safari a few years ago. Got hooked on Five Roses tea. I buy it on line at: http://www.africanhut.com

birdy
by birdy
Sun May 14, 2017 8:48 pm
Forum: Investing - Theory, News & General
Topic: Fidelity portfolio advisory services
Replies: 25
Views: 6090

Re: Fidelity portfolio advisory services

GYM4866: What we have in Fidelity funds are: 500 index FUSVX Expense ratio=.04% International index FSIVX Expense ratio=.08% total market index FSTVX Expense ratio=.04% mid cap FSCKX Expense ratio=.07% This combination does not make a balanced portfolio. Spouse really likes the 500 fund. I personall...
by birdy
Fri May 12, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to be an executor
Replies: 16
Views: 2312

Re: How to be an executor

Just got back from the lawyers office today. Everything being done is exactly right! When they finish the few things they have left to move around, the lawyer said the trust is empty and it just "goes away". Nothing more to do to the trust. The key to the the checking/savings accounts was that they ...