Search found 158 matches

by blueberry
Fri Mar 31, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park - where to stay
Replies: 11
Views: 910

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: 101
Views: 10998

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: 378
Views: 47368

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: 101
Views: 10998

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: 574

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: 4677

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: 4677

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: 4677

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: 3409

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: 5209

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: 2398

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: 2705

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: 18906

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: 2742

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: 799

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: 378
Views: 47368

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: 18906

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: 19205

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: 784

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: 3825

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: 3825

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: 1166

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: 7227

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: 378
Views: 47368

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: 8160

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: 6929

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: 5481

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: 1055

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: 1246

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: 3067

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: 3455

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: 4286

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: 1420

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: 3013

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: 5771

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: 1325

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...
by blueberry
Sun Jan 01, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: What are your portfolio/investments?
Replies: 38
Views: 2788

Re: What are your portfolio/investments?

Age 55
Retired

75% stocks in S&P, total US stock
20% fixed income in cash, cds, ibonds, individual municipal bonds, total US bond
5% gold for my inner crack pot

50/50 taxable/tax deferred

-bb
by blueberry
Sat Dec 31, 2016 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the next-door lot - and finance?
Replies: 14
Views: 1965

Re: Should I buy the next-door lot - and finance?

If property values seems to be going up where you are, may be worthwhile. As a buffer, that seems like a lot of money and maybe instead you could put up a nice fence as a buffer for a lot less money and definitely improve your property value (and do it now before the lot is developed so you can make...
by blueberry
Wed Dec 28, 2016 3:18 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 8337

Re: How many of you invest 100% at Vanguard?

I have accounts at scottrade, fidelity, tdameritrade, and merrill edge and move money around to play the promo game. Also, I am kind of shopping for the best place to consolidate to when I don't feel like going for promos. I received $4k in promos this year which wouldn't be worth bothering with for...
by blueberry
Wed Dec 28, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: Any Backyard Chefs out there? Do you have any specialties?
Replies: 54
Views: 3631

Re: Any Backyard Chefs out there? Do you have any specialties?

my favorite lately: trader joes argentine red shrimp marinade of harissa (red pepper sauce) available at trader joes and fresh lime juice save some marinade for dipping marinate for no more than an hour, cook for a few minutes on very high (to get char but still moist) pretty spicy so some plain ric...
by blueberry
Fri Dec 23, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: 12-Month Expenses in Emergency Fund (EF)
Replies: 14
Views: 2200

Re: 12-Month Expenses in Emergency Fund (EF)

I think when you own real estate you have to consider your emergency fund for things that can go wrong with the property that aren't covered by insurance, not just X number of months of normal expenses. With a couple of rentals I don't think 1 or 2 'years of expenses' is wrong.
by blueberry
Sat Dec 17, 2016 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone hiding out in short term CDs while rates rise?
Replies: 47
Views: 4578

Re: Anyone hiding out in short term CDs while rates rise?

Hmm, I've partially completed my Andrews Fed application, and it did offer the 6 mos 3.0% cd, but said $1000 min/$15000 max. I never read in any of the Andrews post where there was a max. Have other gotten around this? Not sure if this is the right thread....
by blueberry
Wed Dec 14, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to those who don't invest?
Replies: 70
Views: 4782

Re: What happens to those who don't invest?

alfaspider wrote:Medicaid nursing homes :shock:


Are they different? My grandma shared a nursing home room, paid for by selling her house, with someone on medicaid. They were treated exactly the same.
by blueberry
Wed Dec 14, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to those who don't invest?
Replies: 70
Views: 4782

Re: What happens to those who don't invest?

Good question. A significant number of people who don't plan nevertheless manage to 'luck out' in life: ...the lottery. Sorry I have to call BS on significant number of peeps winning the lottery! The people I have known who have 'made it' without investing, and I come from a blue collar background ...
by blueberry
Fri Dec 09, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 6683

Re: Ideal two vehicle combo?

Simple. Two 4Runners. Been there, done that, can't touch this...... 8-) Because simple, body-on-frame, 4 door station wagons can do just about everything. Had a stick once, no interest. Had several trucks, don't need them anymore. Don't want to "move people." To each their own.... :shareb...
by blueberry
Fri Dec 09, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 6683

Re: Ideal two vehicle combo?

FIREchief wrote:Simple. Two 4Runners. Been there, done that, can't touch this...... 8-)


Redundant vehicles? I don't get that. Have 2 vehicles for different purposes and cover the spectrum. Manual fun driving thing, people mover, awd thing, truck, depending on your life, but why ever 2 of the same.
by blueberry
Fri Dec 09, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 6683

Re: Ideal two vehicle combo?

Even with my daughter grown (20), I'm having a hard time giving up the minivan. You do get called up to be chauffeur but what one poster said, you learn so much more about your children silently listening as the chauffeur vs. having kids over for birthday parties etc. It's fun! In addition to that, ...
by blueberry
Wed Dec 07, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2985

Re: want to buy property, abandoned trailer on it

I just looked at prop in eastern oregon flagges as former meth lab, very cheap, special action required, and of course cash only. There are inspectors, test kits for meth residue etc. The property is probably fine, ask for the owners explanation of the trailer for better understanding, but definitel...
by blueberry
Wed Dec 07, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2985

Re: want to buy property, abandoned trailer on it

How confident are you that you would recognize a meth lab if it had been used as one? Not confident at all, never touched drugs, don't even know what they look like. Only seen what I know about meth on PBS. Then again, why else would there be a trailer in the middle of nowhere. Gut tells me somethi...

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