Search found 219 matches

by birdy
Thu Apr 27, 2017 12:00 am
Forum: Investing - Help with Personal Investments
Topic: New to all of this, need a consult/reassurance please.
Replies: 30
Views: 1576

Re: New to all of this, need a consult/reassurance please.

41fan: Great to hear from you. I always wonder what ends up happening with newbees who ask questions of us. By the looks of what you have done, you are doing a GREAT job!!!!! It is so nice to know you are excited about what you are learning and now UNDERSTANDING why we have tried to steer you in the...
by birdy
Sat Apr 22, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 272
Views: 13445

Re: I don't understand the case for EE bonds

I purchased my EE Bonds in 1992. I have always intended to hold to maturity and nothing has changed. As a part of a diversified portfolio they still are a good fit for me. I have not purchased any more since then, as I started to do CD ladders and VG bond funds. My spouse and I are now retired (age ...
by birdy
Tue Apr 18, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 2031

Re: Closing my oldest credit card

What I personally have done with my credit cards is: cut up the ones I won't use any more. Account stays open. Have never had a problem with this!
birdy
by birdy
Tue Apr 18, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 30yr old with limited knowledge-Calling all Bogleheads
Replies: 17
Views: 1975

Re: Advice for 30yr old with limited knowledge-Calling all Bogleheads

Great advice LazyLarry!!! This newby boglehead investor can't go wrong with your advice!

birdy
by birdy
Thu Apr 06, 2017 11:55 pm
Forum: Personal Consumer Issues
Topic: Cost of Booze on a Cruise
Replies: 68
Views: 6446

Re: Cost of Booze on a Cruise

Good grief! Do you only cruise to drink??? Went on a cruise out of England where a lot of the Brits got off in the ports to find "pubs". Get the drink of the day special if you want. We have seen enough other cruisers drunk from the beginning to the end of the cruise to make us cringe. We ...
by birdy
Tue Mar 28, 2017 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Raise Your Rate CDs
Replies: 9
Views: 2866

Re: Ally Bank Raise Your Rate CDs

I have owned several "Raise your rate" CD's at Ally. I have NEVER had the interest rate go enough to bother with trying to change it. It sound great but have never needed to actually use that feature.

birdy
by birdy
Tue Mar 14, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18560

Re: gratuitous homeownership items

I had 2 "invisible" screen doors put in. The kind that roll into the frame when not in use. I used them only 3-4 times because my dogs would run straight through them like they weren't there. The cat could get her head through the bottom of the screens to get out of the house.

birdy
by birdy
Fri Mar 10, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: New to all of this, need a consult/reassurance please.
Replies: 30
Views: 1576

Re: New to all of this, need a consult/reassurance please.

Hi 41fan: Be sure to print out and read (over and over....) the booklet BL suggested. Read (over and over...) the Boglehead books suggested in the Wiki. If you don't have the basic understanding of what is being discussed, how can you make an intelligent decision? You will always have help from us, ...
by birdy
Fri Mar 10, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: New to all of this, need a consult/reassurance please.
Replies: 30
Views: 1576

Re: New to all of this, need a consult/reassurance please.

Hi 41fan: I started doing the CD's only after I fund my ROTH IRA. Money of course in a Roth already has had taxes taken out (after tax money) so it will grow tax free (and when you take the money out, will be tax free!). That is why I fund the ROTH first (taxes). The interest you earn on CD's is tax...
by birdy
Thu Mar 09, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: New to all of this, need a consult/reassurance please.
Replies: 30
Views: 1576

Re: New to all of this, need a consult/reassurance please.

Hi 41fan: In my "bond" allocation, I have: series EE savings bonds, Vanguards Total Bond Mkt Index (Adm) fund, and Vanguard Tax exempt intermediate bond fund. I have a 5 year CD ladder that I count as "bond" because I feel more comfortable having money in CD's rather than more bo...
by birdy
Thu Mar 02, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 119
Views: 9065

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

I and spouse going to Italy in 2 weeks. We always travel on "shoulder"seasons. Lows 40's to mid 60's. Less crowds, cheaper rates, easier to get into museums. I live in Texas, and believe me I go NOWHERE where it is as hot/hotter than summer in Texas! Don't know why you picked that time of ...
by birdy
Wed Feb 22, 2017 11:05 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 1597

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: 6984

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: 6226

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: 16556

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: 319
Views: 17479

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: 631

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: 6522

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: 4023

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: 4023

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: 4023

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: 2970

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: 2821

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: 2821

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: 2821

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: 113
Views: 8983

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: 113
Views: 8983

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: 14411

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: 45961

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: 3631

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: 1215

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: 1215

"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: 3620

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: 1350

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: 1365

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: 1684

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: 1365

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: 1365

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: 1365

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: 3238

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: 3238

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: 2314

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: 3238

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: 4065

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: 5698

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: 594
Views: 81210

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: 9476

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: 2142

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: 4827

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: 2812

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

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