Search found 97 matches

by Limoncello402
Mon Oct 08, 2018 5:25 am
Forum: Personal Finance (Not Investing)
Topic: Plan For Depleting Your Investments If No Heirs?
Replies: 39
Views: 4624

Re: Plan For Depleting Your Investments If No Heirs?

Same situation. I created a trust with my estate going to a charity at my death. But I hope to spend it down and am not sure the best way. I will look into SPIAs. I plan to retire in about 4 years. Don't interest rates have to be high to consider a SPIA? And what would be the advantage of buying one...
by Limoncello402
Thu Oct 04, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Simple, free way to send photos to people?
Replies: 15
Views: 982

Simple, free way to send photos to people?

Bear with me...I'm not tech savvy. I bought a scanner (thanks for your advice!) and now am happily scanning in bunches of old family photos, college photos, etc. Easy peasy! I have them loaded in "Pictures" on my laptop. The next thing to figure out is how to create an album and send photos to my fa...
by Limoncello402
Wed Sep 26, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Digitalizing Old Photos Help
Replies: 22
Views: 1555

Re: Digitalizing Old Photos Help

Thanks all. I decided to buy a small stand-alone scanner. It is a Canon and under $100. Now the project begins!
by Limoncello402
Mon Sep 24, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Digitalizing Old Photos Help
Replies: 22
Views: 1555

Digitalizing Old Photos Help

I've finally decided to start the huge project of converting a big box of old photos to digital. I haven't done this before at all. Can someone lead me to the best method of doing this, barring a professional service? Thanks!!
by Limoncello402
Thu Aug 30, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Electric Fuse Question
Replies: 11
Views: 555

Re: Electric Fuse Question

We don't want to call an electrician for one blown fuse. We had the box completely checked when the house was bought two years ago.
by Limoncello402
Thu Aug 30, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Electric Fuse Question
Replies: 11
Views: 555

Re: Electric Fuse Question

It appears that only one overhead light, over a table in the kitchen, is on this fuse. So very light load. Yes, I see now that the TL has a different base and will not screw into the slot. So that narrows it down to #1 above, and my question is about whether I can put the Type S SL 15 amp Tron in. T...
by Limoncello402
Thu Aug 30, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Electric Fuse Question
Replies: 11
Views: 555

Electric Fuse Question

Our old house still has a fuse box. It will be replaced with breakers at some point down the road. In two years here we've never had to change a fuse, until today. The fuse that blew is a blue colored Buss. It says Type S, 15 amp on one side of its face, SA D on the other side of the face, and Fusta...
by Limoncello402
Thu Aug 30, 2018 5:27 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9921

Re: How do you save money on groceries?

Aldi is also my recommendation. I'm amazed sometimes at how much I can save there. Eat clean and simple. I rarely if ever make fancy meals. Have a routine of, say, 3-4 breakfasts, 3-4 lunches, and 10-12 dinners that you cycle through. I probably buy the same 10-15 items per week, so shopping and pla...
by Limoncello402
Thu Aug 30, 2018 5:14 am
Forum: Personal Consumer Issues
Topic: Your Best Mood Boosting Books (not self-help)
Replies: 29
Views: 2407

Re: Your Best Mood Boosting Books (not self-help)

I like history, and well written books about the triumph of human spirit over huge odds lift me up. Highly recommend such books as Unbroken: The Louis Zamparini Story, and The Boys in the Boat. Thrilling!
by Limoncello402
Fri Aug 24, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Home Security Box for Papers
Replies: 23
Views: 1998

Home Security Box for Papers

Any recommendations for a good quality home locked box, fire proof, that can store important papers?
What do you use?
by Limoncello402
Mon Jul 30, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: LTC strategy: make health your hobby
Replies: 38
Views: 3105

Re: LTC strategy: make health your hobby

Move your body--a lot! It really doesn't matter how. Biking, walking, swimming can be done until a very ripe old age. Get a fitbit and count steps. Eat well, for health and enjoyment. Achieve a manageable weight in a normal range. No smoking, no drugs, minimal alcohol. Go to regular doctor's appoint...
by Limoncello402
Thu Jul 19, 2018 4:04 am
Forum: Personal Consumer Issues
Topic: Possible Knob & Tube in an older home.
Replies: 29
Views: 2526

Re: Possible Knob & Tube in an older home.

I've lived in old houses all my life, with some knob and tube. Never had an insurance company ask about it, including when I bought this 1920 house two years ago.
by Limoncello402
Tue Jul 17, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10110

Re: Why own a bed?

If I didn't have a traditional bed, how would my cat get exercise?
by Limoncello402
Tue Jul 17, 2018 4:50 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 6765

Re: $540 a month on food for graduate student budget too much?

Not a grad student, but I'm single and probably spend no more than $250-300/month for food. I eat out maybe once a month; everything else is cooked at home. I also don't like to cook, so easy meals are the key. I cook a big pot of something or grill meat on Sundays for weekly dinners. Breakfast is e...
by Limoncello402
Thu Jul 12, 2018 4:31 am
Forum: Personal Consumer Issues
Topic: Thoroughly cleaning grimy tile
Replies: 19
Views: 2347

Re: Thoroughly cleaning grimy tile

Barkeeper's Friend is an amazing and inexpensive product for this and all sorts of cleaning. It does not hurt surfaces. For tough jobs, mix a slurry paste of it and let it sit on the surface for 10 minutes, then use a stiff brush to scrub. Rinse.
by Limoncello402
Mon Jul 09, 2018 3:55 am
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 46
Views: 4941

Re: garden hose

I also recommend the "Never Kinks." They do kink, but not as bad as cheaper hoses and the kinks are pretty easy to get out.
Agree with others that it is best to get a good one rather than a cheap one. The cheap ones are just miserable.
by Limoncello402
Fri Jul 06, 2018 3:38 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9777

Re: What time do you get up in the morning?

I get up naturally between 3:30 and 4:00. It has been like this for many years, and I never set an alarm. I really wish I could sleep later but just can't do it. When I'm up, I'm up. I've learned to take advantage of these many hours before work. Read, do morning prayer, exercise, watch the sunrise,...
by Limoncello402
Wed Jul 04, 2018 4:06 am
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 96
Views: 9295

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

I've lived in both. I loved Madison, but was there for graduate school (Ph.D., many years) and would not want to live there as a career person. Everything revolves around the young college culture. Great if you're young; not so great as you mature and settle down. The Twin Cities are fabulous--lots ...
by Limoncello402
Tue Jul 03, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 3080

Re: How Not to be a Slave to my Wood Deck?

Sounds like others have experienced this. I did consult widely with good quality paint stores, and I used a BM oil product that came highly recommended. I realize the only real solution to constant upkeep is to rebuild with trex or ipe. Well, it is a new deck as of three years ago, in perfect condit...
by Limoncello402
Tue Jul 03, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 3080

How Not to be a Slave to my Wood Deck?

My house came with a new second floor wood deck, treated cedar. After a year of making sure the wood was completely dry, I cleaned it carefully and stained it with a good quality stain. Two coats. It peeled in places by the next year. Cleaned it again, sanded, and restained. This time I gave it 3 co...
by Limoncello402
Fri Jun 29, 2018 4:43 am
Forum: Personal Consumer Issues
Topic: [Do you subscribe to Consumer Reports?]
Replies: 31
Views: 3029

Re: Are many of you??????

Your post will benefit from having a title that reflects the content. I suggest changing it if you want people to open it.
by Limoncello402
Sun Jun 10, 2018 6:09 am
Forum: Personal Consumer Issues
Topic: Moving to a house from a condo
Replies: 7
Views: 724

Re: Moving to a house from a condo

Since lack of space seems to be your only concern, can you move to a larger condo in the same area? I moved from a paid off condo to a single family home a couple of years ago and never looked back. Hated the condo politics and shared walls. I took a small mortgage for the home and will pay it off s...
by Limoncello402
Fri Jun 08, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 6310

Re: long term care insurance

Remember that the buzz phrase "self insure" just means having a whole lot of money set aside to cover years in a nursing facility or home health care of the quality you desire. Few people have actually done the research to price such facilities in their area and do the calculations for this potentia...
by Limoncello402
Fri Jun 01, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Interior painting - Sherwin Williams color recommendations
Replies: 28
Views: 2538

Re: Interior painting - Sherwin Williams color recommendations

I did learn the hard way that White Dove is much different than Dove White.
My house trim is all White Dove. Lovely white!
by Limoncello402
Fri Jun 01, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Interior painting - Sherwin Williams color recommendations
Replies: 28
Views: 2538

Re: Interior painting - Sherwin Williams color recommendations

Grey is a popular neutral now, although I think that trend is on the wane. Anyway, the ones you mentioned are all great choices.
I have various rooms painted with Blonde, Cardboard, Breezy, and a light blue/grey whose name I can't remember right now.
by Limoncello402
Fri Jun 01, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance rates increasing?
Replies: 9
Views: 743

Re: Insurance rates increasing?

Same here. Home and umbrella increased this year. Like you said, they have no explanation except underwriting did it.
I'm shopping around this week.
by Limoncello402
Fri Jun 01, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3938

Re: Sherwin Williams paint

I've done a lot of interior painting, and the SW Cashmere is by far my favorite!
by Limoncello402
Sun May 27, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth LTC (Again)
Replies: 19
Views: 1950

Re: Genworth LTC (Again)

Thanks RM for your reply. I am uncertain from it, however, whether you recommend LTC renewal for me or not. You do give advice on other areas such as a potential SPIA that I mentioned, but I mentioned that only in terms of my concern about renewing my Genworth policy. Whether or not I buy an SPIA or...
by Limoncello402
Sun May 27, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Genworth LTC (Again)
Replies: 19
Views: 1950

Re: Genworth LTC (Again)

Thanks to everyone who has responded so far. I knew I'd get thoughtful answers on this forum, and I am reading them all carefully. To answer a few questions and add details: I will get about 2500./mo. in SS at 66.4; 3300. at 70. I plan to retire at 65-66; don't know yet whether I will delay SS to 70...
by Limoncello402
Sat May 26, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth LTC (Again)
Replies: 19
Views: 1950

Genworth LTC (Again)

Once again I'm agonizing over whether to keep this policy up or not. Premiums have increased $1000. in the 7 years I've held it. I am single, the coverage is good, and my annual premium is now $3400. For every positive thing I read about keeping LTC, there's a negative one as well. It seems like a n...
by Limoncello402
Sat May 19, 2018 5:40 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6789

Re: What’s your phone/internet bill?

Centurylink internet only: 55/month. That was the best deal I could get, but the price is set for life. No haggling in the future.
About 16-20/month for Ting cellphone.
by Limoncello402
Mon May 14, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Inexpensive and comfortable outdoor patio furniture
Replies: 9
Views: 1222

Re: Inexpensive and comfortable outdoor patio furniture

The mix and match pieces at Home Depot suit me just fine. I recently bought 4 all weather wicker chairs and coffee table, and I'm going to get a few more chairs. Look for a Memorial Day sale.
by Limoncello402
Wed May 09, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 41
Views: 8339

Re: How to remove garden hose nozzle that is stuck on a hose

Tried and was hopeful about the boiling water method. But that didn't work. Does not budge.
Hate to say it but I tossed the hose and will get a new one. Not worth my time to rebuild.
by Limoncello402
Tue May 08, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 41
Views: 8339

Re: How to remove garden hose nozzle that is stuck on a hose

Wow--all I can say is I am following this post! The EXACT thing happened to me when I took the hose out yesterday. What is stuck in the hose nozzle is the nozzle of the house mounted galvanized faucet that must have broken off last year when I took the hose out. Tried for about 1/2 hour with various...
by Limoncello402
Thu May 03, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 11779

Re: Have you quit eating sugar? Tell me how!

I understand the issue completely. I try to eat a healthy diet. No processed foods. Low carb--I don't eat bread, potatoes, chips, etc. In fact, I adhere mostly to a keto diet, which works well for me. I don't crave anything... EXCEPT monumental cravings every so often for sweets, particularly chocol...
by Limoncello402
Sat Mar 10, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 19696

Re: Books that have actually changed your life, in a way.

Walter Ciszek, With God in Russia and He Leadeth Me. Fr. Ciszak was captured in the USSR and held in solitary prison for 5 years, then forced labor in Siberia for 15. Fascinating story and reflection on how he survived. As a life long reader, there are many, many books that have changed my life. The...
by Limoncello402
Fri Mar 09, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: What do you pay for your phone/cable/internet? REAL total with tax?
Replies: 48
Views: 3430

Re: What do you pay for your phone/cable/internet? REAL total with tax?

Ting: $15-20/month
CenturyLink internet: $38.00/month
Dropped cable TV awhile ago, so that's it.
by Limoncello402
Mon Mar 05, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 4259

Re: Etiquette of hanging up on live telemarketers

I usually just hang up. Depending on my mood, I might engage them in some conversation, playing along until I throw a zinger.
However, most of the calls I pick up are robocalls. I immediately block the number.
by Limoncello402
Mon Mar 05, 2018 4:16 am
Forum: Personal Consumer Issues
Topic: re-siding house - vinyl or hardiplank?
Replies: 54
Views: 5994

Re: re-siding house - vinyl or hardiplank?

Thinking of Hardi board myself for my 100 year old frame house. Somehow I was under the impression that it never needed painting. But this is wrong. Can someone tell me how often it may need to be painted versus wood frame?
I'm wondering what the advantage over still-in-good-shape wood frame is.
by Limoncello402
Tue Feb 20, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12339

Re: Single People and Retirement Question

You appear to have a substantial amount of money going to family and charity when you die. Consider giving it away before you go. You will have complete control, you will enjoy the pleasure of giving and you will enjoy the appreciation of those who receive your bounty. Check with a probate attorney...
by Limoncello402
Tue Feb 20, 2018 5:01 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12339

Re: Single People and Retirement Question

Zonian, thanks for your post. I just went through this, so I have the solution for me at least. I created a trust and pour over will, and except for some bequests going to family members, the bulk of everything is being left to a legacy bequest in a Community Foundation in my area. I researched loca...
by Limoncello402
Mon Feb 19, 2018 5:57 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12339

Re: Single People and Retirement Question

What a thoughtful post itiswhatitis! I very much appreciate it! As a matter of fact I have always loved sailing; even owned my own sailboat for awhile. I have not even thought of that prior passion in years. Your post made my heart leap when you mentioned it. :happy I think that's going on my bucket...
by Limoncello402
Sun Feb 18, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12339

Re: Single People and Retirement Question

OP here. I thank everyone for their discussion: lots of stuff for reflection here. I know well that it is far, far better to be single and "free" than unhappily married, and I'm grateful that I didn't marry one or two guys I dated seriously at one time! Still, I seem to be favored with some married ...
by Limoncello402
Sat Feb 17, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Questions to ask a siding contractor...what are 'red flags'?
Replies: 8
Views: 731

Re: Questions to ask a siding contractor...what are 'red flags'?

I'll be following this.I am looking at the possibility of Hardie Board for my 100 year old clapboard home.
by Limoncello402
Sat Feb 17, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 12673

Re: What has been your most important skill in achieving financial independence?

Granted, because I was in graduate school until age 29 (Ph.D.) I started quite late, but the very best advice I received was: 1) pay yourself first; and 2) take full advantage of any 401b matches your employer offers. "Pay yourself first" means having a percentage of your take home pay automatically...
by Limoncello402
Fri Feb 16, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Minnesota lake resorts summer 2018
Replies: 32
Views: 2781

Re: Minnesota lake resorts summer 2018

I love Naniboujou Lodge on the North Shore. Gorgeous historic lodge.
by Limoncello402
Sun Feb 11, 2018 5:53 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12339

Single People and Retirement Question

I'm not an early retiree--I like my job, it is low stress, etc--but will be retiring in about 4 years now. I've started to do some general planning, and the finances are in very good shape. My work as an academic has been all consuming for about 40 years--graduate studies, then in this university fo...
by Limoncello402
Sat Feb 10, 2018 5:50 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 113
Views: 7932

Re: Suggest coffee maker please

I strongly suggest the Clever Coffee maker. You won't get a better pour-over because you can steep it as long as you want for extra strength. Pair it with an electric kettle and it is also quick.
https://www.amazon.com/Clever-Coffee-Dr ... B00EOM5RN0
by Limoncello402
Mon Jan 29, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Take HELOC deal to pay down mortgage?
Replies: 3
Views: 707

Re: Take HELOC deal to pay down mortgage?

Thanks cigarman. I think you are right. Not worth the energy to do.
by Limoncello402
Mon Jan 29, 2018 5:43 am
Forum: Personal Consumer Issues
Topic: Should I join my local Freemasons?
Replies: 31
Views: 5430

Re: Should I join my local Freemasons?

Freemasons have a long and sordid history of prejudice and racism against certain groups, however they might whitewash the history. While I don't know anything about them today (of course, they may have completely revised themselves) I'd steer far clear of them myself. I've never personally met anyo...