Search found 171 matches

by blueberry
Tue Jul 25, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park - where to stay
Replies: 29
Views: 2433

Re: Glacier National Park - where to stay

bear spray
by blueberry
Tue Jul 25, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 57
Views: 5071

Re: Living Off Dividends

I'm going to ignore the dividends portion of this topic because I think it is a distraction, and just consider this as a discussion about having cash/mm/cds instead of bonds. I think that is a pretty well accepted approach. I feel comfortable with 5 years in cash/mm/cds, and live off dividends and o...
by blueberry
Sat Jul 15, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3180

Re: What am I missing here? [I'm a bachelor]

I think buying a home vs renting might be best considered as a lifestyle choice rather than financial. If you enjoy a yard, like to garden, have pets, enjoy household projects, love a particular neighborhood, then owning a home can be very gratifying.
by blueberry
Sat Jul 15, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Reduce MAGI
Replies: 8
Views: 1289

Re: Reduce MAGI

Is it a state university, and maybe you have access to deferred compensation?
by blueberry
Thu Jul 13, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6245

Re: Cheap eggs... how bad?

I happily pay extra for free range and/or organic, but consume the whole egg including yolk, and often have eggs for dinner. It's a cheap dinner compared to beef. I really enjoyed a short time when duck eggs were available (for a premium price) from a nearby farm. If I was only eating egg whites, we...
by blueberry
Thu Jul 13, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Do you pay fees to buy funds or ETFs?
Replies: 46
Views: 2699

Re: Do you pay fees to buy funds or ETFs?

I sometimes do pay a transaction fee when buying and selling etfs. I don't buy or sell that often, so it's noise in the measurement.
by blueberry
Mon Jul 10, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4218

Re: Coyote control

Maybe fence in just a section of the yard if there's some area that's flat. If it's a sore thumb improvement, you can take it down when the kids are older. Also, this might just be a 'bad year'. I reported a bunch of baby deer I saw near a busy street next to a park thinking maybe they'd put up a ba...
by blueberry
Sun Jul 09, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4218

Re: Coyote control

I can only speak about bears having recently heard about this in my neighborhood - if there are complaints about aggressive behavior, they will attempt to catch and relocate the bear. If anyone in the neighborhood is leaving garbage or pet food out, or intentionally feeding the bear, -they won't com...
by blueberry
Sun Jul 09, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 54
Views: 3980

Re: What to wear for job interview - skip the tie?

Tie definitely. My career was spent in a very casual atmosphere (academia related), and we bragged about the casual atmosphere. Nevertheless, when once an interviewee came in with a tie on and the interviewers in t-shirts and shorts, everyone was very impressed. It felt like the interviewee was show...
by blueberry
Sun Jul 09, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: health insurance after retirement?
Replies: 29
Views: 2697

Re: health insurance after retirement?

I retired at 63 and decided to go with ObamaCare rather than Cobra. I was able to keep my reportable income down and qualify for subsidies. Just polling people on here for costs is not very effective, since the cost varies by age, geography, income and whether you are a smoker. Best place for a qui...
by blueberry
Sun Jul 09, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: CIT Bank offering 1.15% savings account and up to $400 bonus
Replies: 9
Views: 1591

Re: CIT Bank offering 1.15% savings account and up to $400 bonus

For those of us with a pre-existing cit savings account at 1.05%, you have to go online to open a new cit savings account in order to upgrade to the 1.15%. It does not happen automatically. They now have an account offering 1.30 on up to 100k, though might lose a bonus from previous promos by movin...
by blueberry
Sat Jun 24, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Where to put a vegie garden
Replies: 13
Views: 1224

Re: Where to put a vegie garden

I'm pretty new to the world of septic systems and find the whole thing a little traumatizing, but have my garden uphill from the drain field and feel good about it.

-bb
by blueberry
Sat Jun 24, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 3285

Re: Liability with dogs, hypothetical

I got the kit today and will send it out Monday. Having Googled some images, she looks most like a Great Dane Boxer mix. I'm curious what the DNA shows, caveats acknowledged. I will report the results. I'm sure you'll be thinking clear on what to report or not depending on the results. Also please ...
by blueberry
Fri Mar 31, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park - where to stay
Replies: 29
Views: 2433

Re: Glacier National Park - where to stay

We're thinking of doing a trip up to Glacier National Park mid-to-late summer. No one in the family has been there, and it doesn't look like there's a major town/city nearby. Any recommendations on where to stay that would be good for 3-4 days in the park? A moderately-priced hotel would be ideal -...
by blueberry
Sat Mar 18, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 24982

Re: Early Retirement - what to do about healthcare?

There are two separate issues, being able to get any insurance and being able to pay for it. Rarely discussed, but individual health insurance had all but disappeared in my state pre ACA, and I'm afraid that could happen again. I guess I'll move to Mexico (pfft pfft) or Canada (brrrr) if that happe...
by blueberry
Sat Mar 18, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 481
Views: 65527

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

When I first filled in the form from my IRA account in the drop down of "choose your reward", the $200 did not show. Then I switched to my brokerage account the $200 did show. I didn't test the waters on what the person transferring in will get, there is some verbiage about them getting re...
by blueberry
Sat Mar 18, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 24982

Re: Early Retirement - what to do about healthcare?

It is an unpredictable situation and at the very least I think warrants waiting on retirement until, if you are covering your kids through your job, your kids have their own health insurance. Keeping your options flexible, such as by having some way to make some earned income, having both taxable an...
by blueberry
Sat Mar 18, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: need for under/uninsured car insurance with adequate medical ins?
Replies: 10
Views: 655

Re: need for under/uninsured car insurance with adequate medical ins?

I was recently happy to have it when my car was hit and run in a parking lot (which apparently it covers at least at PEMCO). I have a very high deductible or so I thought and almost didn't call the insurance company about it (until I saw the bill!), but the deductible for uninsured was much lower, a...
by blueberry
Sat Mar 18, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 5062

Re: Looking for a snazzy car

What about this thing:

http://www.fiatusa.com/spider.html

Sure looks snazzy.
by blueberry
Sat Mar 18, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 5062

Re: Looking for a snazzy car

The new honda civic hatchback? Mazda miata? I just bought a 10 year old honda odyssey so what do I know? Off topic, but hows the 10-year old odyssey working out for you? I'm guessing you got kids. I drive a 13 year honda accord at 100K miles. I intend to drive another 100K on it, if possible. If so...
by blueberry
Fri Mar 17, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 5062

Re: Looking for a snazzy car

The new honda civic hatchback? Mazda miata? I just bought a 10 year old honda odyssey so what do I know?
by blueberry
Thu Mar 16, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 3689

Re: How do you cope with regret over selling too soon?

Regret is a tough one, but looking forward to future results instead of looking back (and never doing the math!), helps me. Having 'no regrets' seems like an arrogant bizarre space to me, but not letting regrets monopolize your life is very important!
by blueberry
Wed Mar 15, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Cost of Dental Implant
Replies: 63
Views: 5662

Re: Cost of Dental Implant

I know people who have been very happy with dental care in Mexico, and it's much much cheaper.
by blueberry
Tue Mar 14, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Temporarily registering new car at friend's address -- anything wrong?
Replies: 39
Views: 2628

Re: Temporarily registering new car at friend's address -- anything wrong?

Can you take the lower price to another dealership with a comparable car and see if they will meet it without requiring you to do the funky registration thing?
by blueberry
Mon Mar 13, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Norman Rockwell Plates.....who to go to
Replies: 33
Views: 2986

Re: Norman Rockwell Plates.....who to go to

I kind of chuckled at this thread. I just pulled out all my inherited 40's era noritake dinnerware which my parents received as a wedding present -and never used-, and I now keep tucked away, -and have never used-. to wash off all the dust. I feel like I've learned the lesson that you just keep a co...
by blueberry
Sun Mar 12, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 20143

Re: gratuitous homeownership items

mrsytf wrote:Formal dining and living room. I still hold on to the illusion that one day I will host a dinner party in which the dining room will be of use. Hasn't happened yet, but hope springs eternal....


+1, my large dining room table is convenient for folding laundry.
by blueberry
Sun Mar 12, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Forced role change, what would you do?
Replies: 38
Views: 2939

Re: Forced role change, what would you do?

In my limited corporate experience I've had the impression that those that have been marked for better things are in some way pretty clearly let known that, and those that are being passed by are kept in the dark and need to figure it out on their own.

-bb
by blueberry
Sun Mar 12, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Diversify Your Emergency Fund?
Replies: 17
Views: 866

Re: Diversify Your Emergency Fund?

David Scubadiver wrote:The 2008-2009 period was the greatest sale in earth. Not a crash.


I guess that means you didn't have much in the market at that time.
by blueberry
Sun Mar 12, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 481
Views: 65527

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I'm liking this one, tdamertrade will give you (depending on your existing account for some reason) $200 for referring someone new and who puts in $3000 within 45 days. scottrade and ameritrade will be one and the same next year so referring people who are already at scottrade is not adding complexi...
by blueberry
Sun Mar 12, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 20143

Re: gratuitous homeownership items

hot tub, needs maintenance and makes me overheated and I'd rather just sit on a lawn chair outside looking at the stars.
by blueberry
Sun Mar 12, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 19981

Re: How Bad was 2008, really?

I remember thinking in 2008, wow, I've lost more in the market than I made at my job this entire year. Made me appreciate the strategy of AA based on age (aka human capital at least in my case). As a fairly new retired person, I'm still pondering what AA makes me feel comfortable and it's good to re...
by blueberry
Mon Mar 06, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Advice requested - always nervous about investing
Replies: 15
Views: 875

Re: Advice requested - always nervous about investing

Andrews federal cu has 1 year jumbo (and I think their jumbo means > $10k tho not 100% sure) at 1.45%. MIght be worth it to move that 180k.

-bb
by blueberry
Mon Mar 06, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you drop life and disability insurance?
Replies: 56
Views: 4135

Re: At what age did you drop life and disability insurance?

Age 53, but it was about hitting financial milestones that would leave a decent inheritance and my kid seeming on a path to be functional as an adult. Oh yes, her college prepaid in a 529 was another factor. While I had term life, it was great peace of mind, but seemed pointless as my investments gr...
by blueberry
Mon Mar 06, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you drop life and disability insurance?
Replies: 56
Views: 4135

Re: At what age did you drop life and disability insurance?

I felt comfortable dropping term life insurance when house was paid off, investments in the double comma club, and child was in college.

-bb
by blueberry
Fri Feb 24, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and a few questions!
Replies: 11
Views: 1237

Re: Portfolio review and a few questions!

It would almost be worth it to live in the California house for 2 years before you sell it to avoid paying taxes on the 300k+ profit, but no hurry since it is positive cash flow. The federal rules have changed about being able to turn a former rental into a primary residence, so the OP could look i...
by blueberry
Thu Feb 23, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 7934

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

I can vouch for my black lab's meals being gone in 10 seconds regardless of if I let him eat tons or diet him. He is a healthy weight right now. Yup. Labs don't chew - they inhale their food. And sometimes puke it back up in tact, and eat it again. :oops: True, but so much easier than dealing with ...
by blueberry
Sat Feb 04, 2017 12:38 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 481
Views: 65527

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

hoops777 wrote:I just switched to Schwab and most of my assets are in my sep and they said they cannot add any bonus money into a sep due to regulations.Ticked me off a bit but what can you do.


Too late now, but you can confirm in advance via phone call or email that the transfer is eligible for a promotion.
by blueberry
Fri Jan 13, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Let's say you are dying this year
Replies: 48
Views: 8312

Re: Let's say you are dying this year

I don't have any sophisticated advice to offer but it is time for your parents to gift to the max! Also, leverage the current laws about basis step up in real estate and stock (don't liquidate before inheriting, then do) - both parties have come out to some extant against the step up so pay attentio...
by blueberry
Wed Jan 11, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 7264

Re: Where do you keep your emergency fund?

I keep cash at CIT bank. They just raised their rate to 1.05% and also are offering a little cash promotion for opening a new account. Secondary would be cds at Andrews as many others here have done, which pay 3% though now only for a 7 year term. Not a bad penalty if you break them (tho I think ter...
by blueberry
Fri Jan 06, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: How many $ to self fund long term care?
Replies: 73
Views: 5800

Re: How many $ to self fund long term care?

Whew what a depressing thread. Let me offer the good news that US life expectancy did decline a bit recently.
by blueberry
Thu Jan 05, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Gaming an Account Hack
Replies: 5
Views: 1080

Re: Gaming an Account Hack

There was the scottrade hack, 'massive database hack', 'database also contained emails and Social Security numbers, but Scottrade says it does not believe that data was taken'...sure. I don't want to believe it either! It's great to protect your login information, but server side attacks are where b...
by blueberry
Thu Jan 05, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Wake up lights?
Replies: 11
Views: 1308

Re: Wake up lights?

I loved mine when I was working and living far North. It really helped me do a gradual awakening, and then the birdies chirping for alarm almost made winter mornings like spring...til out of the house and into the dark cold.
by blueberry
Thu Jan 05, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Don't Shoot. Questioning 401k
Replies: 28
Views: 3131

Re: Don't Shoot. Questioning 401k

I'm a recent retiree and I'm really happy to have both taxable and tax deferred accounts. It feels safe and powerful to be able to tweak income and capital gains (or, anticipating this since still < 59), depending on tax rules. I appreciate being able to rebalance my tax deferred account without any...
by blueberry
Wed Jan 04, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Difference between HCOL and LCOL [High and Low Cost of Living]
Replies: 35
Views: 3608

Re: Difference between HCOL and LCOL

I'm not sure if this is generally true about HCOL area but I haven't yet felt it's a mistake to live in HCOL as a home owner because property values are increasing so rapidly. I'm done with expensive daycare and that was bad, but do have high property taxes. Eating out is expensive too, and home rem...
by blueberry
Tue Jan 03, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: You have 5-10 minutes to teach someone about personal finance
Replies: 54
Views: 4432

Re: You have 5-10 minutes to teach someone about personal finance

Put all you can in the s and p while you are young +1 Live well below your means and learn to enjoy and take pride in that. Invest 50/50 fixed income/stock until emergency fund covers 1 year. This conservative approach is best I think for people who are not set to inherit a lot (topic not often bro...
by blueberry
Tue Jan 03, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Long Term Pet Care
Replies: 16
Views: 1455

Re: Long Term Pet Care

This is not to make you feel guilty. But that is a long time in 'dog years' and it kind of seems possible if you are willing to give up your dogs for that long that you are not that much into having dogs. At least in Seattle, where there are more dogs than children (yes it's true), giving dogs up wh...
by blueberry
Tue Jan 03, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Large purchase anxiety!
Replies: 24
Views: 3211

Re: Large purchase anxiety!

I tend to worry a lot before making a large purchase, then move on once the damage is done, haha. I pay cash for things that aren't an investment.

-bb
by blueberry
Mon Jan 02, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 41
Views: 6105

Re: I-bonds

I think it's worth noting that "qualified educational expenses" for I-bond purposes are very limited (tuition and fees) versus 529 qualified educational expenses, which include tuition, room and board, and more.
by blueberry
Sun Jan 01, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: The DIY-529 - seeking feedback
Replies: 18
Views: 1377

Re: The DIY-529 - seeking feedback

I contributed too much and too late to a qualified tuition program (started when she was 13). They are now actually dropping tuition, and she got into a school where she can live at home so didn't need much money. I took out $40000, paid maybe $25 fee and put it in stocks where it did pretty good. T...

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