Search found 135 matches

by GiannaLuna
Sat Jul 11, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Aid for Medical Bills/Low Income?
Replies: 3
Views: 283

Financial Aid for Medical Bills/Low Income?

My younger sister (in her 30s) has developed a form of mental illness which has twice required hospitalization in the past year. She works part time and takes college classes part time to become a dental hygienist. Her employer provides health insurance, but even with coinsurance, her portion has be...
by GiannaLuna
Sun Jun 07, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: Early Retirement Home/Late Retirement Home?
Replies: 4
Views: 732

Early Retirement Home/Late Retirement Home?

I have spent the past decade and longer, working long hours in a HCOL area. My retirement is now upon me - this summer. (yeah!) I am in the process of emptying out my place and downsizing for a move. My goal (somewhat dependent on the virus situation) is to embark on extensive travel. I've decided I...
by GiannaLuna
Thu Jun 04, 2020 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Cap One 360 Offer - $450 - ??
Replies: 9
Views: 903

Cap One 360 Offer - $450 - ??

Background: I've had a 360 Money Market Account since forever. When the world turned on its head this spring, I moved all but a bit of money out of it into my FDIC insured savings account. (May have been my gut speaking, not my head) Nevertheless, they are now offering for me to move $50K back into ...
by GiannaLuna
Thu Jun 04, 2020 6:07 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9657

Amazon WITHOUT Prime?

[Thread merged into here, see below (next page). --admin LadyGeek] I've been a prime member for so long that I have no memory of their service without it. I don't need to go into recent events, but it's known they are challenged with two day shipping as of late in many locations (I get it). But sin...
by GiannaLuna
Tue Jun 02, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Question about Medicare/Health Insurance for my Mom
Replies: 14
Views: 790

Question about Medicare/Health Insurance for my Mom

My mother is nearing 80 and lives in another state with my brother. She was recently diagnosed with a serious health condition. Her cardiologist indicates that there is only one prescription drug that will adequately manage her condition. We have learned that this drug is very expensive, relatively ...
by GiannaLuna
Thu May 07, 2020 6:32 am
Forum: Personal Consumer Issues
Topic: Pillow updates?
Replies: 8
Views: 713

Pillow updates?

I checked and it seems it has been a couple of years since the last pillow thread - since new pillow brands and types are coming out all the time....I have been wondering if anyone has a new favorite? Price is less important to me than comfort. I am seeking a pillow that is neither too soft nor too ...
by GiannaLuna
Mon May 04, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9657

Amazon Prime Membership Question [Considering to drop membership]

**Understandably**, Amazon has mostly been delivering my packages in excess of 2 days, often up to 2-3 weeks since the beginning of March. Basically, I am no longer receiving some of the value I pay for, with my monthly Amazon Prime payment. I am considering dropping the membership, since the quick ...
by GiannaLuna
Wed Apr 29, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: Lakeland, FLA as a retirement destination?
Replies: 8
Views: 1351

Lakeland, FLA as a retirement destination?

Does anyone have any experience or comments to share regarding Lakeland, FLA as a retirement destination?

Thank you!
by GiannaLuna
Tue Apr 28, 2020 6:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 7462
Views: 606811

Re: U.S. stocks continue to soar!

It doesn’t make sense. Doesn’t make any sense at all.

We have a large share of the economy without any current and foreseeable earnings and yet.....

?
by GiannaLuna
Thu Apr 23, 2020 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9885

Re: Best Covid19 resistant job

federal or state civil servant? although I suspect hiring is frozen for now.
by GiannaLuna
Thu Apr 23, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: Merchant &/or consumer related concessions in these times?
Replies: 1
Views: 101

Merchant &/or consumer related concessions in these times?

Without having to ask, the hotel programs with which I have higher tier status, have automatically extended my status, regardless of when I begin travelling again - to the end of 2021 or 2022. I have some restaurant gift cards that expire this year and I was thinking of donating them or asking if th...
by GiannaLuna
Wed Apr 22, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: Florida 55+ communities
Replies: 3
Views: 896

Re: Florida 55+ communities

Thank you. Yes, I have read lots of self reported reviews from these communities, telling me how wonderful they are.

I was hoping for independently collected information. Still searching, thanks
by GiannaLuna
Tue Apr 21, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Florida 55+ communities
Replies: 3
Views: 896

Florida 55+ communities

Does anyone know if there is a blog or book or similar, that reviews the 55 + communities in FLA?

Specifically looking for a list of communities that discusses community vibe, costs of living there, age range of buildings and residents, amenities, etc.


Thanks
by GiannaLuna
Sat Apr 18, 2020 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36143

Re: Car Dealers not really wanting to make a deal

My plan is to give it 6 months (past peak buying season with new vehicles coming on).

Then I'll do what I've always done and it works spectacularly well: I put out a written request for quote to several dealers.
by GiannaLuna
Fri Apr 17, 2020 9:59 am
Forum: Personal Investments
Topic: Paying for I-Bonds
Replies: 3
Views: 456

Paying for I-Bonds

I have found information online about how to buy I-Bonds, but not how to pay for them.

I assume TD does not accept credit cards, so do we have to set up a link between a personal checking account and Treasury Direct?

Thanks
by GiannaLuna
Fri Apr 17, 2020 8:44 am
Forum: Personal Consumer Issues
Topic: Cell phone question
Replies: 6
Views: 708

Re: Cell phone question

Edited to add: When I use an extension headset/microphone, the problem goes away - so I assume this means the problem can be isolated to the internal microphone.
by GiannaLuna
Fri Apr 17, 2020 8:26 am
Forum: Personal Consumer Issues
Topic: Cell phone question
Replies: 6
Views: 708

Re: Cell phone question

The problem persists.

Would a possible solution involve using a can of pressurized air to clean out the microphone holes?

Thanks
by GiannaLuna
Wed Apr 15, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: Finger Lakes wines?
Replies: 8
Views: 516

Finger Lakes wines?

Can anyone recommend a good pinot noir or riesling from this area?

THANKS
by GiannaLuna
Wed Apr 15, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 299
Views: 19266

Re: So what are you cooking

Moroccan chicken pie

Glazed carrots with ginger

Asparagus

Raspberry pie
by GiannaLuna
Wed Apr 15, 2020 8:15 am
Forum: Investing - Theory, News & General
Topic: Who is buying I Bonds before May 1st?
Replies: 54
Views: 5644

I Bonds before May?

Some unexpected cash has landed in my lap. I am not sure where to put it. It's been a number of years since I've purchased any I Bonds. Are there good reasons for buying I-Bonds before next month's adjustment? (assuming rates will be lower of course). Thanks [Merged into existing thread- Moderator M...
by GiannaLuna
Tue Apr 14, 2020 3:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 7462
Views: 606811

Re: U.S. stocks continue to soar!

Well, 3 months ago, you were 3.5 months from retiring... Probably should have been thinking about making your allocation more conservative then.. :) Seriously, we always say someone close to retiring should not have a huge amount in stocks... For PRECISELY the reason that a crash can happen at any ...
by GiannaLuna
Tue Apr 14, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 7462
Views: 606811

Re: U.S. stocks continue to soar!

and then there are those of us who are planning to retire within the next several weeks and need to make our nest egg last for a few decades - and we're wondering whether right now might be the first time ever we'd be justified in doing a little timing (SORR)
by GiannaLuna
Fri Apr 03, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Pill Organizers?
Replies: 13
Views: 810

Pill Organizers?

I take several supplements...any clever ideas for consolidating pill bottles and organizing the pills?

Thanks
by GiannaLuna
Fri Apr 03, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138577

Re: Coronavirus (Consumer Issues) How you are preparing?

I've relocated from the big city to a rural rental home to spend the summer and hopefully return in the fall when the coast clears - (could be a folly, I acknowledge that). Recent trips to traditional grocery stores were not fruitful, so I have been delighted to find a nearby Amish owned and operate...
by GiannaLuna
Sun Mar 29, 2020 8:06 pm
Forum: Investing - Theory, News & General
Topic: Who is buying I Bonds before May 1st?
Replies: 54
Views: 5644

I-Bonds before May?

[Thread merged into here, see below. --admin LadyGeek]

Are any of you purchasing I Bonds now in advance of the next rate adjustment?
by GiannaLuna
Sun Mar 29, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 299
Views: 19266

Re: So what are you cooking

I'm Italian, so this shouldn't be a surprise:

shrimp and lemon a la linguine

tossed greens in a garlic, lemon and olive oil dressing

Pinot Grigio
by GiannaLuna
Sun Mar 29, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Should I get Life Alert, or similar?
Replies: 53
Views: 2357

Re: Should I get Life Alert, or similar?

I might look into an Apple watch. I am not crazy about wearing items on my wrist. Can anyone comment on how cumbersome it might be to rather wear one clipped to a lanyard?
by GiannaLuna
Sun Mar 29, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: If you have a secure, well-paying job and cash-heavy, would a recession be a good thing?
Replies: 92
Views: 6953

Re: If you have a secure, well-paying job and cash-heavy, would a recession be a good thing?

Even now, I went into this downturn with a high cash balance and used the last 2 weeks to trade in and out of equities and generated extra returns otherwise not available to me. I fully expect the market to go significant lower which will offer even more attractive entry points. What sectors or sto...
by GiannaLuna
Sun Mar 29, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: If you have a secure, well-paying job and cash-heavy, would a recession be a good thing?
Replies: 92
Views: 6953

Re: If you have a secure, well-paying job and cash-heavy, would a recession be a good thing?

The question of whether publicly funded jobs are secure.

What about federal govt jobs? I don't recall what has happened in past recessionary periods.

Does the Govt ask for volunteers to retire during these periods?
by GiannaLuna
Fri Mar 27, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: Ticks/Lyme/Prevention?
Replies: 19
Views: 1009

Ticks/Lyme/Prevention?

I've been given use of a cottage in a wooded area known to be inhabited by ticks.

In addition to socks and a hat, are any kind of sprays useful for prevention?

Thanks!
by GiannaLuna
Tue Mar 24, 2020 6:16 am
Forum: Investing - Theory, News & General
Topic: Banks vs. Brokerages?
Replies: 10
Views: 800

Banks vs. Brokerages?

An acquaintence mentioned that in order to avoid loss of emergency funds, it's safer to put those funds into the settlement account of a brokerage account vs. a savings account at a bank, since by law, brokerages are not allowed to loan out that money - so banks are riskier than brokerages. I am sti...
by GiannaLuna
Tue Mar 24, 2020 6:09 am
Forum: Personal Consumer Issues
Topic: Value of 23AndMe/Ancestry.Com Services?
Replies: 2
Views: 361

Value of 23AndMe/Ancestry.Com Services?

I realize I am very late to the party, but I finally ordered and received one of the 23andMe reports based on my DNA/saliva sample. What I received: - information regarding the parts of the world where my ancestors came from. This basically just confirmed what my genealogical research had already un...
by GiannaLuna
Mon Mar 23, 2020 4:33 pm
Forum: Personal Investments
Topic: 9 Reasons Not to Tax Loss Harvest (WCI)
Replies: 50
Views: 4372

Re: 9 Reasons Not to Tax Loss Harvest (WCI)

So I read the article and I must be missing something, specifically this quote: I’ve done it several times since the start of this bear market and booked hundreds of thousands of dollars in tax losses. With the $3K cap/year - how long do you expect to live? LOL Even if you think you have 70 more yea...
by GiannaLuna
Mon Mar 23, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Berkey Water Filters
Replies: 20
Views: 1504

Re: Thoughts on Berkey Water Filters

Does Berkey have any competitors?
by GiannaLuna
Mon Mar 23, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: New Amazon order & delivery processes?
Replies: 30
Views: 3196

New Amazon order & delivery processes?

I've been doing business with Amazon for years and so I've noted the following with interest and I know they are under a crunch as of late. - They still charged my account for Prime 2 - day shipping even though orders are taking up to 2 weeks now for delivery. - They still take my order, give me a d...
by GiannaLuna
Mon Mar 23, 2020 9:23 am
Forum: Investing - Theory, News & General
Topic: Fed Buyback: Breaking News
Replies: 25
Views: 3395

Re: Fed Buyback: Breaking News


What are the potential unintended consequences of QE? A lot people do not understand how the money supply supply works so terms like "printing money" and "quantitative easing" cause negative connotations.


run away inflation?
by GiannaLuna
Mon Mar 23, 2020 9:20 am
Forum: Personal Investments
Topic: Parking spots - no loss of principal?
Replies: 7
Views: 474

Re: Parking spots - no loss of principal?

I already hold I-Bonds in a Treasury Direct account, so I suppose it's as easy as logging in and looking for the T Bills?
by GiannaLuna
Mon Mar 23, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: What's cheap right now?
Replies: 33
Views: 3780

Re: What's cheap right now?

I am a digital nomad and I am not seeing any reductions in extended stay (or hotel!) pricing - yet.
by GiannaLuna
Mon Mar 23, 2020 9:07 am
Forum: Personal Investments
Topic: Parking spots - no loss of principal?
Replies: 7
Views: 474

Parking spots - no loss of principal?

Are FDIC insured savings accounts the only place to park money you absolutely cannot afford to lose? (assumed to be under the current threshold?)
by GiannaLuna
Tue Feb 25, 2020 7:17 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138577

Re: Coronavirus (Consumer Issues) How you are preparing?

With respect to a "face mask" and "glasses".....

would this mean any typical brand of safety goggles such as those worn in a laboratory?
by GiannaLuna
Mon Feb 24, 2020 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 905492

Re: What's Your Credit Card Rewards Strategy?

I have quite a bit of organic spend coming up soon in the coming weeks and months...so it seems like a good time to pick up a bonus, if possible. I prefer points and cash back over miles. I'd rather not tempt fate with Chase, slots are full there. Mostly the same with Amex, just wondering about any ...
by GiannaLuna
Mon Feb 24, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular Rate Plan - Competitive?
Replies: 1
Views: 226

Consumer Cellular Rate Plan - Competitive?

I have two cell lines with Consumer Cellular.

I am paying $35/month for unlimited voice

and

$20/month for 10G of data.

Based on what you pay for similar service, is this competitive?

Thank you.
by GiannaLuna
Mon Feb 24, 2020 11:46 am
Forum: Personal Investments
Topic: Asset Allocation Review?
Replies: 3
Views: 354

Asset Allocation Review?

I'd like to get other viewpoints. I understand that Schwab offers an asset allocation review service. I don't have any accounts with them.

Are there others? I am not aware of any, so I thought I'd poll the group.

Thank you.
by GiannaLuna
Mon Feb 24, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Cell phone question
Replies: 6
Views: 708

Cell phone question

I own 2 iPhones, a 6 and a 7. I am having a strange problem with the 7. It will start to lose transmission or clarify after the first 10-15 minutes of conversation. The person on the other end will report they can no longer hear me clearly. This might be more understandable as a location issue if it...
by GiannaLuna
Sat Feb 15, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: Retirement: Filling the time?
Replies: 96
Views: 10597

Re: Retirement: Filling the time?

INFJ here, nice to meet you. Seems that many believe the path to contentment is found in others or in activities. I believe it lies in the mindset and the soul. I still have my minor demons, but finding contentment is joyful, I have found....there are many paths, wishing you the best in finding yours.
by GiannaLuna
Thu Feb 13, 2020 10:32 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 226
Views: 26176

Re: Roll Call for the Retirement Class of 2020!

I have finally set my date: June 5th, 2020.

I am very excited, but full of butterflies....working has been the majority of my life (sad, I guess).

I will still be 59 at the time....looking forward! peace all!
by GiannaLuna
Mon Feb 10, 2020 8:14 am
Forum: Investing - Theory, News & General
Topic: [Professor Jeremy Siegel says 75/25 in retirement]
Replies: 63
Views: 5702

Re: [Professor Jeremy Siegel says 75/25 in retirement]

And with interest rates so low this means using safe dividend paying stocks to provide some needed income

Which ones are you/would you use?
by GiannaLuna
Sun Feb 09, 2020 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fun Side Income in Retirement?
Replies: 50
Views: 4357

Fun Side Income in Retirement?

Curious as to any side income retirees pick up that is painless or associated with activities they enjoy?

Mine so far (but seeking other ideas)

Occasional restaurant reviewer: no payment, but the meals are reimbursed (even fancy ones) in exchange for the review...bonus, no income tax issues.
by GiannaLuna
Fri Jan 24, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Thicker/Flatter Dental Floss or Tape?
Replies: 34
Views: 2574

Thicker/Flatter Dental Floss or Tape?

I'm undergoing a series of dental treatments that are making my gums extra sensitive.

Dental office recommends regular floss, but I find it too thin, like thread and it cuts into my gums.

Can anyone recommend a dental tape that is flat or wide, less sharp? Thanks
by GiannaLuna
Tue Jan 21, 2020 6:57 am
Forum: Personal Investments
Topic: Buy some VYM [Vanguard High Dividend Yield]?
Replies: 33
Views: 4240

Re: Buy some VYM [Vanguard High Dividend Yield]?

LilyFleur - I'm wondering if you ended up going with VYM, Dominion or something else?

I'm on the cusp of retirement, so posts like yours are like a case study for me now ;)

best!