Search found 233 matches

by gretah
Mon May 04, 2020 8:18 pm
Forum: Personal Consumer Issues
Topic: What financial podcasts do you listen to?
Replies: 52
Views: 6379

Re: What financial podcasts do you listen to?

I've recently started listening to Rich Dad Radio Show.

Robert Kiyosaki of Rich Dad, Poor Dad.

Terrible writer but his podcasts and new videos on YouTube are excellent. Guest speakers talk on issues relevant today.
by gretah
Sat Mar 07, 2020 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: teenager saving for college - bank? Roth IRA? other?
Replies: 19
Views: 974

Re: teenager saving for college - bank? Roth IRA? other?

I've been looking at Coverdell ESA accounts for my nephews' kids since I can't contribute to their 529s.

I think each Coverdell account can only accept $2k per year per child. This would be in addition to a 529 account.

You might do a search for Coverdell ESA.
by gretah
Tue Feb 25, 2020 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Catch 22 with Gold Medallion Requirement for Exercising POA for Father
Replies: 56
Views: 3709

Re: Catch 22 with Gold Medallion Requirement for Exercising POA for Father

OP - sorry I can't help you with your present situation. But I want to tell people to be certain to meet with the bank officer who provides the signature medallion guaranty seals at their bank(s). I meet with the officers twice a year just to stay in touch. That way I know there will no problems whe...
by gretah
Tue Feb 25, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13447

Re: Do you ever use cash?

I love using cash. Mostly I pay tips in cash. The cleaners from Merry Maids each get a $10 bill per visit. Hair cut gal gets a cash tip. Restaurant workers get a cash tip. Christmas tips are given in cash to doormen, USPS workers, UPS/FedEx workers, et al. If someone isn't allowed to accept a cash t...
by gretah
Thu Feb 20, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Early Reirement Forum
Replies: 13
Views: 2043

Re: Early Reirement Forum

E-R is a very friendly forum, btw.
by gretah
Thu Feb 20, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any ideas for a little extra money each year?
Replies: 34
Views: 3066

Re: Any ideas for a little extra money each year?

I write books and self-publish on Amazon.

Not entirely passive income but at least I am not trading time for money any longer.
by gretah
Sun Jan 19, 2020 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Career change at 47
Replies: 116
Views: 11318

Re: Career change at 47

I found this book very practical and helpful: The 10 Laws of Career Reinvention Essential Survival Skills for Any Economy by Pamela Mitchell Here is the description as listed in a library catalog: In The 10 Laws of Career Reinvention , America's Reinvention Coach® Pamela Mitchell offers every tool r...
by gretah
Sun Jan 12, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: At what point do you donate/trash/sell/gift your junk?
Replies: 75
Views: 4876

Re: At what point do you donate/trash/sell/gift your junk?

A few strategies that have worked for me - When I am angry (such as after a 40 min call with customer no-service), I use my bad temper to get rid of things. I look for things to donate or toss. Donations go to the thrift store within 2 days. Feels great to donate. Menopause inspired lots of purge se...
by gretah
Fri Jan 03, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Is volunteering worth the hassle?
Replies: 98
Views: 8325

Re: Is volunteering worth the hassle?

When I was working a regular work schedule, I was happy to serve on boards and participate in meetings. I was lucky to work with great people and projects I thought meaningful. Now, I prefer project work. I'll attend meetings with no more than two people in addition to me. I teach short seminars at ...
by gretah
Fri Jan 03, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: What financial podcasts do you listen to?
Replies: 52
Views: 6379

Re: What financial podcasts do you listen to?

Refresh Your Wealth

More info than other money shows re alternative asset classes and self directed Roth IRAs
by gretah
Wed Dec 11, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Sons-in-law or Daughters-in -law legacy gifts...
Replies: 31
Views: 3715

Re: Sons-in-law or Daughters-in -law legacy gifts...

Another recommendation for OP to read the book "Beyond the Grave."
by gretah
Tue Dec 03, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Digging my parents out of debt
Replies: 28
Views: 3117

Re: Digging my parents out of debt

One option is to declare bankruptcy. Their credit card companies will cancel the cards and no one will issue them new ones. Then they should try Dave Ramsey's Financial Peace University to live below their means. Dave also has some good advice for adult children of parents like yours. One is they do...
by gretah
Tue Nov 12, 2019 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to start a business
Replies: 23
Views: 2284

Re: How to start a business

I found this book very helpful -

The 10 Laws of Career Reinvention
Essential Survival Skills for Any Economy
by Pamela Mitchell
by gretah
Wed Oct 23, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Rebrand to a new career...
Replies: 19
Views: 2591

Re: Rebrand to a new career...

I found this book very helpful when I was transitioning out of my previous career -

The 10 Laws of Career Reinvention
Pamela Mitchell
by gretah
Mon Oct 07, 2019 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: financial security (protect from theft-ID and others)
Replies: 9
Views: 1244

Re: financial security (protect from theft-ID and others)

What I am planning to do when I move and buy a new home next year - Put home into a Trust. Trust name has nothing to do with my name. Instead of the GretaH Trust, I will name it something like the Green Planet Trust. Use your attorney's name and address for correspondent address. Do not use your nam...
by gretah
Mon Oct 07, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Providing for a adult child with serious illness
Replies: 11
Views: 1782

Re: Providing for a adult child with serious illness

I suggest you speak to an Elder Law attorney who knows Medicaid requirements inside out. There are certain types of Trusts which Medicaid do not determine as income that would declare your adult child to be ineligible for benefits. A Special Needs Trusts with specific stipulations, if I recall corre...
by gretah
Fri Sep 27, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Efficient way of transferring Euro to USD
Replies: 19
Views: 1534

Re: Efficient way of transferring Euro to USD

I have a similar problem but transferring money from US to Europe. I've been thinking about opening an account in a European HSBC bank and doing the same in a US HSBC bank. I would personally meet with an assistant manager at each bank and ask them to be involved in the transfer. I've only heard goo...
by gretah
Sun Sep 22, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: How do you optimize content consumption?
Replies: 16
Views: 1650

Re: How do you optimize content consumption?

I find the blog at www.FinancialSamurai.com very informational. I like more than half the podcasts for Radical Personal Finance. His informational recordings and Q&A sessions are packed with good advice. But some of his podcasts are full of moralizing and his religious beliefs, which I find annoying...
by gretah
Sun Sep 22, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help me prepare to help mother-in-law
Replies: 53
Views: 4989

Re: Help me prepare to help mother-in-law

In my area, nursing homes that accept Medicaid are so full they are requiring 2 years of full private pay before you get put to the top of the list for a Medicare bed. With nursing homes costing $5,000 - $12,000 a month, 2 years of funds for this in fairly liquid form (not real estate, for example) ...
by gretah
Thu Sep 19, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tax avoidance and estate planning ‘for the rich’?
Replies: 61
Views: 7061

Re: Tax avoidance and estate planning ‘for the rich’?

I found these books very helpful. Most can be found at the library. How to Make Your Money Last: The Indispensable Retirement Guide by Jane Bryant Quinn The Power of Zero: How to Get to the 0% Tax Bracket and Transform your Retirement by David McKnight (Balancing of Roth savings, Non-Roth savings, a...
by gretah
Mon Sep 09, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Insurance against expensive lawyers, is there such a product?
Replies: 8
Views: 1503

Re: Insurance against expensive lawyers, is there such a product?

OP- you might want to focus on Asset Protection tools, like Trusts, LLCs, insurance products, and more.

No lawyer is going to want to sue you if s/he can't get at your assets. Not worth her/his time.
by gretah
Sun Sep 01, 2019 10:48 pm
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6824

Re: What, besides dishes, do you run through your dishwasher?

I wash the holder that fits over my bathtub shower head and holds shampoo, etc, in the dishwasher.

With the heat dry button set to Off.

I also wash non-delicate glass candle holders in the dishwasher, heat dry set to On.
by gretah
Mon Aug 26, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Financially independent - now completely lost
Replies: 30
Views: 5721

Re: Financially independent - now completely lost

I read a terrific book:

The 10 Laws of Career Reinvention
Pamela Mitchell

The authoress is extremely smart and gives guidelines for finding a new career that also works for planning for retirement living.
by gretah
Wed Aug 21, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: House flooding due to heavy rains, injury and landlord's response
Replies: 34
Views: 3219

Re: House flooding due to heavy rains, injury and landlord's response

I had flooding problems in an apartment which resulted in black mold and me being very ill. Almost died. Took 2 years to recover. Test for mold. I think Home Depot has an inexpensive text. If mold is present, keep the test results and document them. Perhaps have a witness attend the test. Move out r...
by gretah
Wed Aug 14, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 5473

Re: Ideas for Little Charges to keep Cards active

Put credit cards in envelopes so they will be used twice a year. Jan / July envelope Feb / Aug envelope etc Change card info at Amazon at least once a month. Good security practice. Put a reminder in your diary / calendar to swap out cards each month and put new ones in wallet. When doing Xmas shopp...
by gretah
Wed Aug 14, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 5473

Re: Ideas for Little Charges to keep Cards active

Twice I year I take all the "sock drawer" credit cards out and use them to make a small addition to my Amazon Gift Card balance. Some random amount between $4 and $5 per card. I know that I'll be buying something from Amazon in the future so it is like putting money in the bank (without interest). ...
by gretah
Wed Aug 14, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 12075

Re: Ponder this, BH's... is Ben & Jerry's worth it?

If the ice cream has any kind of gum in it, I won't buy it. Real ice cream freezes hard. Remember that? If you have an ice cream maker, it is super easy to make. Freeze part of the machine the night before. Add a few ingredients, push the On button. Soon you have real ice cream that is fabulous! Lot...
by gretah
Wed Aug 14, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 39
Views: 5059

Re: Do burglars steal and use paperwork?

I had my social security number stolen and used to create a new identity. I don't know how s/he got it. Doctor's office files? Who knows. The person was an illegal immigrant paid under the table at a local mafia-controlled casino. They used the SS# to get health insurance. Damage could have been muc...
by gretah
Wed Aug 14, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: Book or documentary recommendations on American economic dominance
Replies: 26
Views: 2069

Re: Book or documentary recommendations on American economic dominance

Read these books:

The Creature from Jekyll Island

The Colder War

People's history of the United States

Eye-opening, to say the least.
by gretah
Sun Aug 04, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for making and reviewing a family budget
Replies: 25
Views: 1696

Re: Advice for making and reviewing a family budget

A few tips - Set your savings rate first. Determine what it will take to finance your retirement and late life costs and how much you need to save. People tend to spend lots more than they realize on: *Eating out *Newspapers & print subscriptions, books, online subscriptions, movies, music, cable TV...
by gretah
Tue Jul 30, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: How would you pay this bill?
Replies: 10
Views: 1351

Re: How would you pay this bill?

OP - I agree with you on not sending a usual bank check. I don't like others having my routing and account numbers. I would buy a postal money order for $50 and send it registered / certified, signature required. After my upcoming move to a new city, I will change banks to one who issues checks with...
by gretah
Mon Jul 29, 2019 11:54 pm
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 8468

Re: Uber Without Smartphone

https://shop.tracfone.com/shop/en/tracfonestore/phones/tf-zte-zfive-c-lte# I used something similar a couple years ago to try out a smart phone. Screen was too small, otherwise it worked for my main purpose (GPS). $30 phone + 10-15 $/month, no contract. I would ask them about apps. This ^ is what I...
by gretah
Sun Jul 21, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Vancouver in October
Replies: 10
Views: 1028

Re: Vancouver in October

Another fan of the Anthropology Museum at the University of British Columbia. https://moa.ubc.ca If you have a day that is not cloudy, drive across the Lion's Gate bridge and visit Grouse Mountain. Take the Skyride. Views are even better than photos on their website: https://www.grousemountain.com/s...
by gretah
Thu Jun 27, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Facebook reading our minds?
Replies: 38
Views: 4171

Re: Facebook reading our minds?

I love being a luddite. Deleted Facebook account. Only used it to look at other peoples' FB pages before deletion. No Alexa or Echo for me. No smart TVs, etc. They listen. I sometimes have sensitive conversations with clients via phone or in person at my home office. These should not be overheard. I...
by gretah
Thu Jun 27, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Say no to high dental cost
Replies: 86
Views: 14833

Re: Say no to high dental cost

Off topic but does anyone know where the BEST dentists are?

Germany? Switzerland? ???

I've had 1 new root canal and 2 new crowns fail in the last 10 years. 1 lower cost dentist. 1 very high cost dentist.

I don't care what it costs, I'm looking for the best dentists.

Thanks for your help!
by gretah
Mon Jun 17, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: 70th Birthday Party Ideas
Replies: 11
Views: 914

Re: 70th Birthday Party Ideas

Encourage guests to tell "remember when..." stories, especially humorous or touching ones. One such story I heard at a party was when a couple told their 3 young children that mommy was expecting a baby. The kids were furious: they did not want another sibling. No more diapers. No cutting another ki...
by gretah
Tue Jun 11, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to preserve $10M+ in wealth owned by unsophisticated people?
Replies: 82
Views: 15769

Re: How to preserve $10M+ in wealth owned by unsophisticated people?

Here are two books I recommend -

Beyond the Grave:
The Right Way and Wrong Way of Leaving Money to your Children (and Others)
by Gerald Condon

Family Fortunes: How to build family wealth and hold on to it for 100 years
by Bonner and Bonner
by gretah
Tue May 28, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Bored Eleven Year Old Patient in Walking Cast
Replies: 26
Views: 1832

Re: Bored Eleven Year Old Patient in Walking Cast

How about hiring a coach to come a few times a week and talk with her - *Watch recordings of her past performance and evaluate them together *Work on attitude, goal setting, etc *Continue with at-home stretches, muscle-building exercises, etc A bit off-topic Under the cast, she will itch. The best r...
by gretah
Sat May 04, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 13144

Re: Rarely used items that are worth having?

>In winter, I keep an empty tin can (with no label), unscented short candles, and matches in a baggie in the car. If I need to pull over for a half hour or more due to sudden snow, I can stay warm inside without using electricity. >At home, I keep some sewing supplies - enough to make repairs, lower...
by gretah
Fri Apr 05, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Is there value in conversation/communication books?
Replies: 15
Views: 1056

Re: Is there value in conversation/communication books?

Collaborating With the Enemy: How to Work With People You Don't Agree With or Like or Trust by Adam Kahane Terrific book, full of practical insights. Very thought-provoking. Author talks about his experiences of getting polarized factions to work together in new ways while not fighting opposing agen...
by gretah
Fri Apr 05, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Where to live during kitchen renovation?
Replies: 45
Views: 2910

Re: Where to live during kitchen renovation?

Thanks to everyone who posted in this eye-opening thread. I'm planning to move to a new city, get a condo, and have it turned into my dream home, complete with renovations for aging in place (widening doors for wheelchairs, etc). Apartment complexes aren't interested in tenants who only live there f...
by gretah
Tue Apr 02, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Summer Europe trip - overwhelming to plan!
Replies: 29
Views: 2474

Re: Summer Europe trip - overwhelming to plan!

Norwegian Air flies to Helsinki. Cheap.

www.Norwegian.com
by gretah
Thu Mar 21, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: When is it time for a new smartphone?
Replies: 66
Views: 4892

Re: When is it time for a new smartphone?

When 5G comes to my area, that's when I'll upgrade to a new smartphone.

Mine should last until then. If not, I'll just pick up a cheap tracfone.

I'm not spending hundreds of dollars now and then again in several months.
by gretah
Wed Mar 20, 2019 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Newlyweds
Replies: 27
Views: 2195

Re: Best Bank for Newlyweds

Credit union for checking, online bank for savings. The big banks will pummel you with fees - overdraft fees, ATM fees at other banks, transfer fees, etc, etc, etc. A neighbor pays over $1K in annual fees and feels trapped because she has her mortgage with that bank. Mortgage contingent on having ma...
by gretah
Wed Mar 20, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: New Dentist - what to watch for financially
Replies: 24
Views: 2642

Re: New Dentist - what to watch for financially

I had a great dentist in my old state. Dentists in my new state have been terrible. Failed root canals, failed crowns. I have been thinking about going outside the US to get higher quality dental care. Which country has the highest quality dental care? Switzerland? Other? Any one know how to find a ...
by gretah
Wed Mar 20, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Home with black mold
Replies: 22
Views: 2782

Re: Home with black mold

Run away, don't walk.

Black mold in the walls almost killed me around 3 years ago.

It killed a young firefighter after Katrina. He died in his sleep after only a month of exposure.
by gretah
Wed Mar 20, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Your favorite slow cooker cooking book?
Replies: 6
Views: 854

Re: Your favorite slow cooker cooking book?

Martha Stewart's book is good.

Roasting the vegetables in a 400F oven before adding to slow cooker makes a huge difference.

So does searing meat pieces on all sides in a hot skillet with coconut oil before adding to slow cooker.

Otherwise, meat & veggies just taste boiled.
by gretah
Sat Feb 23, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Buyer's agent in state where rebate is not allowed?
Replies: 20
Views: 1274

Re: Buyer's agent in state where rebate is not allowed?

Does your state allow you to use a real estate attorney instead of an agent?
by gretah
Tue Feb 05, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon E-book Publishing
Replies: 5
Views: 656

Re: Amazon E-book Publishing

I participate in message boards discussing the topics of my ebooks using my real name to build a reputation.

I send free copies to the top 10 posters on these boards - the people known for being most knowledgeable and most generous with help.
by gretah
Mon Feb 04, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling to france may 11 days advice?
Replies: 24
Views: 1425

Re: Traveling to france may 11 days advice?

Get these books:

Eyewitness Travel Guide
for Paris
Far more info about cultural and historical sites than all the other guides.

Food Lover's Guide To Paris
Restaurants, cafes, open-air markets, bakeries, delis, etc.