Search found 165 matches

by birdy
Sat Jan 30, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 214
Views: 11123

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: 4142

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: 1354

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: 413

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: 2268

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: 2557

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: 179
Views: 11013

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: 3584

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: 4151

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: 2854

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: 2854

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: 888

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: 21063

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: 289

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: 289

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: 241

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: 241

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: 390

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: 3094

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: 1817

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: 2697

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: 4958

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: 3196

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...
by birdy
Wed Apr 29, 2015 9:02 am
Forum: Investing - Help with Personal Investments
Topic: bond allocation as retirement nears
Replies: 20
Views: 1567

Re: bond allocation as retirement nears

Hi Bogleheads: I was so excited to read Kevin M's explaination of having 5 year CD's!! I also use CD's as an allocation in my over all 65/35 portfolio. I have been including CD's in the "Bond" portion. Some fellow Bogleheads act like holding cash (CD's) is a horrible thing to do, but Kevin...
by birdy
Wed Feb 18, 2015 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Time to simplify for retirement
Replies: 7
Views: 1644

Re: Time to simplify for retirement

John94549: I already have a 5 year CD ladder in taxable to cover living expenses . I set this up so we had an income stream to cover the time until full retirement age. Our goal was to retire at 60, but hubby just got a nice raise at work! He thinks he wants to work 1-2 more years because of that. I...
by birdy
Tue Feb 17, 2015 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Time to simplify for retirement
Replies: 7
Views: 1644

Re: Time to simplify for retirement

Thank you furwut for the link. I was pondering that exact situation with U.S. stocks having foreign components vs having the separate additional foreign funds. Thanks traumamoma for giving me insight into what you have been doing with your retirement funds. I hadn't thought about how often to withdr...
by birdy
Tue Feb 17, 2015 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Time to simplify for retirement
Replies: 7
Views: 1644

Time to simplify for retirement

I just turned 60 and am working part time to slow my life down for full retirement. I have thought about this quite a bit. I have decided to put money into a fund that is balanced. This will keep me at 60/40 and make withdrawals easier. The two funds I am considering (I want to choose 1 of them) are...
by birdy
Sun Nov 30, 2014 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for paying for bridge years until Social Security
Replies: 20
Views: 3666

Re: Strategy for paying for bridge years until Social Securi

Professor Emeritus: We already invest in bond funds (VG total Bond Market Index Adm & VG Inter-Term TX-EX Inv). You are correct, the CD's are a part of our investments. I use the CD's as the "cash" portion of our portfolio because it is my security blanket of funds that are stable. The...
by birdy
Sat Nov 29, 2014 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for paying for bridge years until Social Security
Replies: 20
Views: 3666

Re: Strategy for paying for bridge years until Social Securi

I have set up a 5 year CD ladder in which a CD will come due every 6 months. I already work part time (24-30 hrs/week) (I am 60 in January) but my husband wants to work full time at his present job for 2 more years (he is 60). The plan is to use our CD ladder after hubby retires for the five years. ...
by birdy
Tue Nov 25, 2014 10:31 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 149
Views: 16180

Re: Oatmeal suggestions

+1 for Simply Oats

birdy
by birdy
Mon Nov 10, 2014 9:32 am
Forum: Personal Consumer Issues
Topic: Viking River Cruises
Replies: 31
Views: 5385

Re: Viking River Cruises

Sorry she did not like her trip. That is definately the problem/fun with trips like her's. I enjoy meeting other people (Americans or otherwise) and we have never had any problems being motion sick while on a river cruise. If you want more time at places, these kinds of trips are not the best--even ...
by birdy
Tue Sep 30, 2014 6:55 pm
Forum: Investing - Theory, News & General
Topic: Can I open an immediate annuity with IRA money?
Replies: 4
Views: 701

Re: Can I open an immediate annuity with IRA money?

Thank you. Great information. As I have just started my research, that gives me additional things to consider. We are 59/60 and already have LTC policy in place. Unless the premiums get super outrageous we should be ok that way. We are planning to retire within the next 1-2 years. Any other comments...
by birdy
Mon Sep 29, 2014 3:35 pm
Forum: Investing - Theory, News & General
Topic: Can I open an immediate annuity with IRA money?
Replies: 4
Views: 701

Can I open an immediate annuity with IRA money?

I am researching the various strategies to generate lifetime income flow for retirement. Have been looking at hybrid solutions, which might include having an immediate annuity as part of my plan. Can you open an immediat annuity with IRA money? The majority of my retirement money is in 401k/IRA/Roth...
by birdy
Tue Aug 12, 2014 9:55 pm
Forum: Personal Consumer Issues
Topic: Runners and compression socks
Replies: 18
Views: 1943

Re: Runners and compression socks

I am not a runner but I use them also. When I fly more than 5 hours I wear them. When we do alot of walking/sightseeing day after day, they help my legs feel less tired.

birdy
by birdy
Mon Jun 16, 2014 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have a CD ladder with Sallie Mae Bank?
Replies: 1
Views: 399

Re: Anyone have a CD ladder with Sallie Mae Bank?

Do you really need to have your CD ladder all at the same place? I have a 5 year ladder and I use bankrate.com to find the highest APY--then I open the new CD there. I have a CD maturing at the end of this month so I have been shopping around for highest APY. As of last week Virtual Bank's 5 year AP...
by birdy
Thu Mar 27, 2014 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 4536

Re: We Don't want to die with Money

The farm land can not be sold by my husband and myself. Since we have no children and grandpa's intent was to keep it in the family, when both of us are finally dead our half of the farm goes to our nephew (who will also get the OTHER half when HIS parents die). There is nothing that says HE can't s...
by birdy
Thu Mar 27, 2014 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 4536

Re: We Don't want to die with Money

Wow! I had no idea how many of you DON"T want to spend what you have saved for retirement! Even if we spend down our entire retirement nest egg, we will still have S.S. and farm rental income till we die. Any personal time/money we give to charity/church we want to do in our own lifetime as a c...
by birdy
Wed Mar 26, 2014 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 4536

Re: We Don't want to die with Money

Of course we don't mean down to ZERO when we die! We do not intend to leave an estate. We have worked hard to save and soon it is our time to enjoy spending it with the lux of free time. I have done lots of volunteer work over the years. My way of giving back has been to physically pitch in with var...
by birdy
Wed Mar 26, 2014 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 4536

Re: We Don't want to die with Money

sorry $50,000./yr
birdy
by birdy
Wed Mar 26, 2014 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: We Don't want to die with Money
Replies: 45
Views: 4536

We Don't want to die with Money

My husband and I have been seriously talking about how soon to retire. We are both 59. We have a 5 year CD ladder set up so we can use the money to live on for 5 years until we would start to use our retirement/investments. Like most of you, we have concentrated on being savers all our life and now ...
by birdy
Fri Mar 21, 2014 7:11 am
Forum: Personal Consumer Issues
Topic: Viking River Cruises
Replies: 31
Views: 5385

Re: Viking River Cruises

I get motion sickness also. I can't ride in the back seat of a car and I certainly can't read in a moving one! I have had problems with being sea sick on the Ocean cruises we have taken but after the first ocean cruise I learned to start taking meds as soon as I get on the airplane. I have never exp...
by birdy
Wed Mar 19, 2014 10:56 pm
Forum: Personal Consumer Issues
Topic: Viking River Cruises
Replies: 31
Views: 5385

Re: Viking River Cruises

My husband and I have been on 3 river cruises. Nile cruise in Egypt , Mekong cruise in Vietnam and Yanzee Cruise in China. All three of these river cruises were through Uniworld cruises. A nice perk is that we get free laundry service(1 per week) because we have traveled with them previously. I know...
by birdy
Sun Feb 16, 2014 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Opened Roths for 2013, but don't quailfy for them!
Replies: 4
Views: 757

Re: Opened Roths for 2013, but don't quailfy for them!

Thanks everyone for the quick response!!! Now I can decide which way to go to fix this problem. You all are the BEST!!!
birdy
by birdy
Sun Feb 16, 2014 1:41 am
Forum: Investing - Help with Personal Investments
Topic: Opened Roths for 2013, but don't quailfy for them!
Replies: 4
Views: 757

Opened Roths for 2013, but don't quailfy for them!

Hi everyone: My husband and I have been working on our 2013 Federal income taxes all day today. We just realized to our shock that a mutual fund we have with Janus did a Capital Gain Distribution of $22k. This has pushed our income past the cut off to be able to open Roth IRA's. We funded our 2013 R...
by birdy
Mon Jan 20, 2014 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Did you have a Lousy Job as a teen / young adult?
Replies: 127
Views: 6436

Re: Did you have a Lousy Job as a teen / young adult?

In high school I started baby sitting full time in the summer for parents who worked but needed their kids watched. It didn't pay much so I got a "better" job. I was a flower-bulb picker! Three kids on each side of a moving trailer with a conveyer belt between. I picked the bulbs out of th...
by birdy
Sun Jan 05, 2014 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Spending money abroad
Replies: 46
Views: 3423

Re: Spending money abroad

Thank you dgdevil for your enlightening and un informative reply to my question. I enjoy traveling with a tour group. I can go with a group of friends and not have to be bothered with all the small details of the trip. I speak no other foreign language and I have found it a very stress free way to t...
by birdy
Sun Jan 05, 2014 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Spending money abroad
Replies: 46
Views: 3423

Re: Spending money abroad

I have traveled out of the country quite a bit. Has what I have been doing wrong/expensive all this time??? I order whatever money I need from my bank/exchange in the currency I want. I usually go with a tour and my thinking has been that I won't have time to hunt down a ATM (I also don't have a car...
by birdy
Tue Nov 26, 2013 10:55 am
Forum: Investing - Theory, News & General
Topic: In-service 401(k) distribution at at 59 1/2?
Replies: 6
Views: 505

Re: In-service 401(k) distribution at at 59 1/2?

Thank you for the help! DSInvestor, I read that also but I wasn't sure if that pertained to our situation!
Thanks GerryL. It really helps to have some one that has done it give me info!
I knew I could count on you all to give me the info I need! Appreciate it very much.

birdy

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