Search found 160 matches

by gretah
Fri Oct 12, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Am I secure using my computer for financial services?
Replies: 28
Views: 4017

Re: Am I secure using my computer for financial services?

One thing my tech-savvy friends forget to do:
freeze their credit reports!

As of Sept 21, it's free to freeze and thaw our credit reports.

Clark Howard's instructions with links
https://clark.com/personal-finance-cred ... haw-guide/
by gretah
Fri Oct 12, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 44
Views: 2841

Re: Which one: Lyft or Uber?

Lyft.

Uber has a history of treating women like dirt at its corporate office.

Lyft is the pioneer of ride sharing, not Uber. There's an interesting NPR show about Lyft on the How I Built This podcast. Scroll back - it was aired awhile ago.
by gretah
Fri Oct 12, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 2727

Re: Pacific Northwest trip

A day trip from Seattle to Victoria on Vancouver Island, British Columbia is nice. Victoria: Butchart Gardens, Royal British Columbia museum (terrific exhibit of native peoples culture), and afternoon tea at the Empress hotel are the must sees. https://www.clippervacations.com/seattle-victoria-ferry...
by gretah
Wed Oct 03, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Goat Milk Soap
Replies: 26
Views: 1833

Re: Goat Milk Soap

https://www.brambleberry.com/Bulk-Goat- ... P4381.aspx

I used to use melt this soap and pour it into nice molds and sell them at craft fairs. Men (and many women) like it because it is unscented.

Kind to skin.
by gretah
Wed Oct 03, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Best Forums Guide!
Replies: 7
Views: 1031

Re: Best Forums Guide!

Bogelheads is the best financial forum. I also like http://forum.mrmoneymustache.com My all time favorite forum thread: https://forum.mrmoneymustache.com/welcome-to-the-forum/epic-fu-money-stories/ Geographic and demographic info https://www.expatforum.com Mostly a lot of discussion about visas and ...
by gretah
Wed Oct 03, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: U.S. mailing address/forwarding for expats
Replies: 25
Views: 2147

Re: U.S. mailing address/forwarding for expats

I plan to pay a friend and use her address.

And I'll have financial statements sent directly to my accountant.

I don't feel secure with minimum wage workers processing my mail and having access to my bank account numbers and other privacy information.
by gretah
Sun Sep 30, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2348

Re: city water sewer vs well septic

Pay careful attention to the numbers in Leonidas' post.

I used to live in a septic-only island town.

Never again.
by gretah
Sun Sep 30, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Help me manage my day to day bills to save more!!
Replies: 45
Views: 3510

Re: Help me manage my day to day bills to save more!!

I agree with looking to Dave Ramsey for decreasing spending. The book is good but you will get more practical info from Financial Peace University. Cut the Hulu, etc. Get everything from the library. No cafes or restaurant meals, not even cheap fast food or coffee. Groceries: cut out convenience and...
by gretah
Fri Sep 28, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Unexpected calls from my cell phone
Replies: 18
Views: 1413

Re: Unexpected calls from my cell phone

I get so many of these spoof calls, I now only answer if the caller is in my contact list.

If the caller is real, they will leave me a message.

Spammers almost never bother with that.

Like another poster, I also block the numbers of these spoof callers.
by gretah
Thu Sep 27, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: career change
Replies: 7
Views: 1090

Re: career change

This is a great book for determining your next career or business start up.

The 10 Laws of Career Reinvention
Pamela Mitchell
(Great questions, exercises, and methods.)

Good luck!
by gretah
Mon Sep 17, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: how do/did you teach your kids finances/investing?
Replies: 28
Views: 2284

Re: how do/did you teach your kids finances/investing?

The Dave Ramsey book is good:
Smart Money, Smart Kids.

Badly written but advice is sound.
by gretah
Mon Sep 17, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to get financially ready for death of parent
Replies: 22
Views: 2626

Re: How to get financially ready for death of parent

I'm in the middle of making my own plans. Here are resources I've found for gaining knowledge about options for planning retirement and final years. Everything was found at the library. Books Making the Most of Your Money Now and How to Make Your Money Last by Jane Quinn The first book is the most c...
by gretah
Mon Sep 17, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to get financially ready for death of parent
Replies: 22
Views: 2626

Re: How to get financially ready for death of parent

OP - good on the three of you for tacking this problem now instead of procrastinating. A few months ago, I attended an excellent retirement planning seminar given by an Elder Law attorney. An acquaintance approached me a week after the seminar and asked to discuss it with me. Most of the topics were...
by gretah
Mon Sep 17, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Provding SSN for Estate Planning--Why?
Replies: 23
Views: 2044

Re: Provding SSN for Estate Planning--Why?

List your year of birth but skip the month and day.

Or just fill in your age.

I agree with you: the fewer people who have my SSN and birth date, and other privacy info, the better.

If they tell you the software needs it, too bad.
by gretah
Mon Sep 17, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Need help in solving Tenant landlord issue
Replies: 26
Views: 2421

Re: Need help in solving Tenant landlord issue

I'd take him to small claims court. Here's a few resources. https://www.nolo.com/legal-encyclopedia/overview-landlord-tenant-laws-connecticut.html https://ctlawhelp.org/en/tenants-renters-rights-laws https://www.hud.gov/states/connecticut/renting/tenantrights https://www.jud.ct.gov/lawlib/law/landlo...
by gretah
Tue Sep 11, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Low pay and low stress jobs with health benefit
Replies: 41
Views: 5665

Re: Low pay and low stress jobs with health benefit

Perhaps you could start a small business that would pay high with little time involvement (after the initial time to start the business) and just pay for the insurance out of the business earnings. Chris Guillebeau has a daily podcast, each illustrating a different idea someone is using to make mone...
by gretah
Mon Sep 10, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10175

Re: Side Hustle Options/Suggestions.

What about babysitting in your home?

Parents would drop off kids at your place then pick them up later.

Could you offer weekend service for couples who want to get away for Sat thru Sun? This would be for only the kids you really like.
by gretah
Sun Sep 09, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to buy phone for T-mobile
Replies: 18
Views: 1358

Re: Cheapest way to buy phone for T-mobile

My phone is pretty out of date but I'm hanging on, hoping it lasts until 5G becomes available on T Mobile.

Then I'll get a new phone capable of handling 5G - and dump home cable internet!

Anyone know when 5G might hit T Mobile on the west coast outside the major cities?
by gretah
Sun Sep 09, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3342
Views: 1003900

Re: What Book Are You Currently Reading? Part VI

I'm in the middle of Martin Walker's fiction series about Bruno, a chief of police in a small town in the gastronomic and winery heartland of France. Bruno is a highly intelligent former decorated soldier for France who loves the local people and culture. Novels are slow paced with lovely descriptio...
by gretah
Sun Sep 09, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 33
Views: 2056

Re: where to learn to sew?

A local mom ran an ad in CraigsList for a summer teacher for her son who wanted to learn to sew and make costumes. 2 hour sessions, twice a week over the summer. I would have loved this gig. But I didn't see the ad until over a week after it had been posted so I missed out. You might try an ad. Plea...
by gretah
Sat Aug 11, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3342
Views: 1003900

Re: What Book Are You Currently Reading? Part VI

"The President is Missing" by James Patterson and Bill Clinton.

A page-turner thriller.

Probably the best of the James Patterson collaborations.

Intelligent, fun read.
by gretah
Wed Aug 08, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6793

Re: "Dollar Tree Store" favorites

Reading glasses Toilet paper Baby shampoo (I used it as laundry soap) Alcohol gel (like Purell) Paper towels (all 2 - 3 rolls used a year) Phone charger cords and plugs Shower liner Q tips Unscented candles for when power goes out in winter Small plastic kitchen bags. Earlier poster was right about ...
by gretah
Fri Aug 03, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 6170

Re: Talk to me about Le Creuset

I've kept the Dutch Oven but donated the rest of the heavy pans. Too much weight with loading and unloading from dishwasher.

Cuisinart pans are my favorite.
by gretah
Tue Jul 31, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: An argument against self-insuring for long-term care
Replies: 214
Views: 11048

Re: An argument against self-insuring for long-term care

I've just started looking into a Life Insurance Retirement Plan.

It seems to be life insurance with a named beneficiary with a rider that allows me to draw funds if needed for long term care.

Anyone have any knowledge or experience with this?
by gretah
Tue Jul 31, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: An argument against self-insuring for long-term care
Replies: 214
Views: 11048

Re: An argument against self-insuring for long-term care

smitcat wrote:
Thu Jul 26, 2018 9:51 am
One source that may shed some light....
https://www.morningstar.com/articles/82 ... -care.html
This article is terrific!

Thank you, SmitCat
by gretah
Sat Jul 28, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Service that reviews CCRC financials? [Continuing Care Retirement Community]
Replies: 12
Views: 1210

Re: Service that reviews CCRC financials? [Continuing Care Retirement Community]

Thank you for your post! Very helpful!

I found an accounting firm that includes Forensic Accounting as a specialty area. Perhaps they can help me - after I read the CARF document.

Someone starting a CCRC financial evaluation service could do well, I think.
by gretah
Thu Jul 26, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Service that reviews CCRC financials? [Continuing Care Retirement Community]
Replies: 12
Views: 1210

Service that reviews CCRC financials? [Continuing Care Retirement Community]

I'm helping a friend look for a CCRC and I want to move into a CCRC sometime in the future. Do you know of a good service that can evaluate a CCRC's finances so we can be better assured there is enough capital so a CCRC is highly unlikely to go out of business when we really need it later? Thanks fo...
by gretah
Wed Jul 11, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Crock Pot Recipes
Replies: 19
Views: 1943

Re: Crock Pot Recipes

Lamb stew, Persian 1 lamb shoulder (4 to 5 pounds) Kosher salt and freshly ground pepper 2 tablespoons extra-virgin olive oil 2 large onions, finely chopped 2 large carrots, finely chopped 2 celery stalks, finely chopped 1 teaspoon dried dill 1 head garlic, cloves separated and peeled 3 thyme sprigs...
by gretah
Wed Jul 11, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Crock Pot Recipes
Replies: 19
Views: 1943

Re: Crock Pot Recipes

My tastiest slow cooker recipe - Beef stew with cognac, roasted vegetables, and creme fraiche This is a rewrite of an Emeril recipe, which came out bland and overcooked. Cooking a portion of the meat and vegetables in the slow cooker creates a complex base for the stew. Adding freshly roasted meat a...
by gretah
Wed Jul 11, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Crock Pot Recipes
Replies: 19
Views: 1943

Re: Crock Pot Recipes

Pork & sage slow cooker 1 tsp rosemary 2 t sage 1/2 t thyme 5 Tbsp oil 6 lb boneless pork shoulder w/ fat cap 1/2 c dry white wine 1/2 t allspice 4 lg carrots, cut into 1” chunks 4 celery, cut into 2” long pieces 1 lg onion, cut into 8 pieces. Left intact at root end 2 bay leaves 1 c broth 3 t corns...
by gretah
Wed Jul 11, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Crock Pot Recipes
Replies: 19
Views: 1943

Re: Crock Pot Recipes

Using a slow cooker in the summer is a great idea because you can put it outdoors on a table under a roof and have no cooking heat inside.

One nice summer dish is roast beef. You can find several recipes online. After the beef is cooked, cool it and make sandwiches to stay cool.
by gretah
Fri Jul 06, 2018 12:22 am
Forum: Personal Consumer Issues
Topic: Party for 30
Replies: 15
Views: 1814

Re: Party for 30

A Honey Baked brand spiral-cut ham has been a hit at several of my parties.

Later, I make a large pot of split pea soup with the ham bone and leftover meat. I split the soup into containers and freeze them. You'll love finding them in the freezer this fall when the weather gets chilly.
by gretah
Thu Jul 05, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: legal document with hyphen/non hyphen middle name
Replies: 11
Views: 1152

Re: legal document with hyphen/non hyphen middle name

A notary can only notarize your name and signature if the name on the document matches or is a subset of the name on the ID. Your passport cover documents with your middle name and the hyphen. Make certain to keep it renewed. If a document has your middle name on it, you can't use your DL as ID for ...
by gretah
Wed Jun 27, 2018 12:35 am
Forum: Personal Consumer Issues
Topic: Recommendations for ice machine
Replies: 22
Views: 1997

Re: Recommendations for ice machine

OP - you have my sympathy. I LOVE ice! And I live near the Canadian border. An iced drink at 4pm helps keep me awake without caffeine. An idea about your iced tea - How about keeping a gallon or two of water in the frig (not freezer)? You could make very concentrated tea in a pyrex measuring cup in ...
by gretah
Wed Jun 27, 2018 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 70
Views: 9176

Re: Pre nups.

Putting assets in a Trust before marriage could be a useful tool. There are many types of Trusts so it is important to consult an attorney and financial planner to choose the right type. Buying Life Insurance with a retirement plan clause could be another way to secure finances for long term care. I...
by gretah
Wed May 30, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3342
Views: 1003900

Re: What Book Are You Currently Reading? Part VI

The Death of Expertise: The Campaign Against Established Knowledge and Why It Matters by Tom Nichols From Publisher's Weekly "The crux of the book's argument is that people-specifically in the American public-have grown increasingly hostile to expertise. Nichols explores the sources of this hostilit...
by gretah
Wed May 30, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Estate Planning roadblocks - ideas?
Replies: 18
Views: 2059

Re: Estate Planning roadblocks - ideas?

OP - I'm moving to a new state soon and facing similar decisions. I'll look at freelance paralegals who specialize in estate / probate work. (There's one in my current county who is terrific. Hopefully I'll find similar in the new place.) You might want to go to your local hospital's hospice office ...
by gretah
Wed May 30, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 54
Views: 4515

Re: Making collegebound Kid Financially Savvy Questions..

When my nephew was a senior in high school, I hired a smart college girl to go over financial basics with him and answer his questions. He wasn't interested in listening to me or his mum. He definitely wasn't interested in books we recommended. But he was very interested in learning from a girl deal...
by gretah
Wed May 30, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 31710

Re: The Side Hustle

I write "how to" books and self publish them. They sell on the major online book stores' websites.

After the initial work is over, the income is passive.
by gretah
Fri May 18, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 5068

Re: somebody is using our address

When my friend (MF) was living temporarily in a boarding house, he noticed one of the other tenants going down the street every day to get mail from the box at someone else's house. Then MF noticed he couldn't access CraigsList. He contacted the company and learned the building ISP was labeled as a ...
by gretah
Fri May 18, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Basics
Replies: 23
Views: 2411

Re: Estate Planning Basics

I am preparing to make changes to my Will and Trust so I've been educating myself about them to be better prepared to talk with an attorney about options and specifics.

www.Nolo.com publishes self-help legal books.
I've learned a lot reading them.
by gretah
Mon May 14, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: California folks - Will/trust still needed with POD & TOD?
Replies: 12
Views: 1339

Re: California folks - Will/trust still needed with POD & TOD?

I agree: have a professional create the documents.

Before that, I suggest you read two books to educate yourself on the issues so you can work with the attorney:
Make Your Own Living Trust
8 Ways to Avoid Probate

Both by Nolo Press www.Nolo.com
by gretah
Fri May 11, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: How to find reputable person for Will/Trust?
Replies: 45
Views: 4034

Re: How to find reputable person for Will/Trust?

I would ask my tax accountant to recommend an attorney who's work she has seen. Lots of smart things can be done to avoid probate, lower taxes, and other things. Accountants see some of these documents and tools in use. In my area, the most popular estate attorney / firm does crappy work. I've seen ...
by gretah
Fri May 04, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Where to babymoon?
Replies: 38
Views: 4040

Re: Where to babymoon?

Summers are glorious in the Pacific Northwest. Sun sets around 9:30pm. Sunrise is around 5am.

How about Seattle for a few days then take the catamaran to Victoria, BC, for a few more?

The 3-hour trip through Puget Sound is lovely and beautiful.
https://www.clippervacations.com/vessel-information/
by gretah
Fri May 04, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Permanent Address for banking
Replies: 10
Views: 1019

Re: Permanent Address for banking

I'm planning to do a lot of traveling soon and also looking for mail solutions. It will be awhile before I have a new permanent address as I'll just be storing stuff at first. I don't want a mail service wherein workers making at or near minimum wage looking at my financial papers with account numbe...
by gretah
Fri Apr 27, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Lawyer - how to outsource / offload grunt work for biz dev
Replies: 8
Views: 1072

Re: Lawyer - how to outsource / offload grunt work for biz dev

OP - I agree with others who state your relative needs someone with education/training in marketing to do this work. The chores you describe are not "grunt" chores you pay a college student to do unless the student is getting an MBA in marketing. Do an internet search for local independent people of...
by gretah
Fri Apr 27, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 142
Views: 13997

Re: What have you baked recently?

I recently made a chocolate almond flourless cake with Grand Marnier icing served with Mandarin orange segments. Lemon ideas: Lemon season here is short, so I juice a bunch at a time and freeze the juice in ice cube trays. Once frozen, I remove to small baggies and thaw cubes as needed. Hollandaise ...
by gretah
Wed Apr 18, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking a monthly lease before tenant moves in.
Replies: 3
Views: 1034

Re: Breaking a monthly lease before tenant moves in.

Check your state's landlord / tenant laws. By renting property, you are a businessperson. Know the laws, regulations, business practices, taxes, and other issues. Follow the rules, be thoughtful and courteous. Tenant would probably like to know sooner rather than later the new home will not work out...
by gretah
Wed Apr 18, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Will question
Replies: 28
Views: 2843

Re: Will question

I agree with others: you need a better attorney. I would look for a tax attorney who also does estate work. Ask your accountant for referrals. Be certain the acct has seen the work of the attorney - not just a lawyer met at a business networking event. I suggest you read 2 Nolo Press books before co...