Search found 68 matches

by Limoncello402
Sat May 26, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth LTC (Again)
Replies: 7
Views: 518

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: 5650

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: 7
Views: 750

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: 40
Views: 2924

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: 40
Views: 2924

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: 10091

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: 18931

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: 2840

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: 3786

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: 5236

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: 105
Views: 10195

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: 105
Views: 10195

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: 105
Views: 10195

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: 105
Views: 10195

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: 620

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: 11653

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: 2455

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: 105
Views: 10195

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: 7211

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: 529

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: 5010

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...
by Limoncello402
Mon Jan 29, 2018 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Take HELOC deal to pay down mortgage?
Replies: 3
Views: 529

Take HELOC deal to pay down mortgage?

My addled brain at the moment doesn't know the answer to this, so please bear with me if it is obvious. I have a $48,000. balance on my WellsFargo mortgage at 4.3%. I'm paying it down by adding $1200/principal each month, so it hasn't been worth it to refinance as it will be paid off in 3 years. I a...
by Limoncello402
Sun Jan 28, 2018 4:40 am
Forum: Personal Finance (Not Investing)
Topic: Still working out of greed or fear?
Replies: 46
Views: 5104

Re: Still working out of greed or fear?

Fear. I'm single, 60, and given the family history could live to 100. The future is so unknown, especially health care. I have a 100 year old house that I love and continue to renovate. I want a substantial amount post-retirement to travel. Plus, I like my job. Not love, but it is low stress, genera...
by Limoncello402
Tue Jan 23, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 6773

Re: Work-out schedule for those in 60s

I like a combination of spinning and pilates. At 61 I work out about 5-6 x a week. I've just started to work with some weights as well. I've never had much upper body strength (female here) and realize I should have done this long ago.
by Limoncello402
Tue Jan 23, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Jeans without strong chemical odor
Replies: 36
Views: 2015

Re: Jeans without strong chemical odor

The quality of Levis is notoriously uneven these days: they've really deteriorated as a company. I have experienced the same nauseous smell from Levis--at least some Levis. I don't know the answer to this question, but I'd love to find all cotton dark blue jeans again, not spandex stuff.
by Limoncello402
Wed Jan 17, 2018 5:37 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10836

Re: Besides Bogleheads, What Are Your Favorite Forums?

I also read mrmoneymustache and earlyretirement. My take on mrmoneymustache is also that most are in their 20s-30s with ridiculous expectations--good luck with that! This forum seems to be wiser people in their (say) late 30s-40s. Earlyretirement has, predictably, a lot of people in their 50s-60s. T...
by Limoncello402
Wed Jan 17, 2018 5:29 am
Forum: Personal Consumer Issues
Topic: Travel to Rome Italy - Recommendations
Replies: 23
Views: 1854

Re: Travel to Rome Italy - Recommendations

I'd also strongly recommend the Scavi (archeological) tour that goes beneath St. Peter's to the original Vatican cemetery there. They continue to uncover more and more there. Rome is made for walking, so I echo what others have said. Plot a course and you can see all the major sites by walking. Trev...
by Limoncello402
Mon Jan 15, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 3356

Re: Any high-end skincare products worth it?

I'm not sure I know anyone who has truly benefited from high priced cosmetics, look wise. You know what? For nearly 40 years (I'm 61) I have smeared a thin layer of vaseline over my face before going to bed. I don't have any wrinkles at all. I've heard that others who do this love it as well. But in...
by Limoncello402
Mon Jan 15, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 3356

Re: Any high-end skincare products worth it?

A book came out awhile back (not sure if it has been updated) that everyone should read. It is called something like Read this Book Before You Go to the Cosmetics Counter. It tells exactly what is in all those high priced cosmetics, moisturizers, shampoos, etc. In general it is rarely if ever worth ...
by Limoncello402
Mon Jan 15, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: neighborhood advice for Prague, Vienna, Budapest, and Athens
Replies: 11
Views: 749

Re: neighborhood advice for Prague, Vienna, Budapest, and Athens

When I stay in Vienna (often) I stay at one of the many B & Bs on Mariahilferstrasse. The U bahn travels down it into the city center, but I usually walk it. It is very accessible, not high priced, and full of places to stay (not sure about rentals, however). The area is generally called Maria Hilf....
by Limoncello402
Wed Jan 10, 2018 5:53 am
Forum: Personal Consumer Issues
Topic: Help choosing a hatchback- civic, golf, prius and Volvo V60
Replies: 40
Views: 2446

Re: Help choosing a hatchback- civic, golf, prius and Volvo V60

I've had a series of Golfs, each of which has performed wonderfully and been low maintenance. I'd choose the Golf.
by Limoncello402
Sat Jan 06, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 133
Views: 16962

Re: Buying a new home at age 50 in a nicer neighborhood

At age 59 I moved from a home in a lower cost area to a higher cost, and much safer and more friendly, neighborhood. So I moved up when many are downsizing. I've never been happier. I have an ideal house in a fabulous area, perfect for me. I had no mortgage at the old place and took a small-ish mort...
by Limoncello402
Fri Jan 05, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Will
Replies: 55
Views: 4679

Re: Living Trust - Will

After many years of putting it off, I finally got a lawyer and made a living trust, testamentary bequest to a local foundation, POA, and Health Care Directive. The lawyer's fee was $1600. Despite the expense, I am very glad this is done. I'm single with no heirs, and with the huge rise in the market...
by Limoncello402
Thu Jan 04, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 10463

Re: Effects of extreme cold weather

Ugh. Dealing today with a cracked frozen radiator and ice all around the hardwood floor. Heating guy is here for hours. Not a pretty sight. We are in an extreme cold snap that is continuing for days on end (MN).
by Limoncello402
Mon Jan 01, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Who should we appoint as executor?
Replies: 33
Views: 2957

Re: Who should we appoint as executor?

Like some others here, I can attest that all sorts of unpleasant things can arise with siblings in regards to a will. I would definitely chose a third party.
by Limoncello402
Mon Jan 01, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 147
Views: 10437

Re: What non fiction book will you be reading in 2018?

I just picked up The Power of Silence by Cardinal Sarah. It is very powerful indeed; a real indictment against the constant barrage of noise we experience today everywhere, including our own inner agitations.
by Limoncello402
Mon Jan 01, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 6440

Re: Keeping a checkbook register

I keep a checkbook. I like writing things down, and it is very easy to look through. Each month, I enter my bi-weekly paycheck, which comes to my checking account. I subtract automatic payments, savings, mortgage, online payments, and the couple of checks I write each month (utilities, misc). All my...
by Limoncello402
Thu Dec 28, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Need to shop insurance: curious what you have?
Replies: 22
Views: 1567

Re: Need to shop insurance: curious what you have?

Stupid question, but doesn't an independent insurance agent cost a fee and/or get a cut of your premiums? For those who have gone this route, I assume the insurance savings offset the fees?
by Limoncello402
Thu Dec 28, 2017 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Need to shop insurance: curious what you have?
Replies: 22
Views: 1567

Re: Need to shop insurance: curious what you have?

Thanks for your helpful replies. I'm in Minnesota.
On my list is Amica, Geico, Travellers, Progressive, AAA. I don't belong to Costco so assume I can't get their insurance without a yearly membership?
by Limoncello402
Wed Dec 27, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Need to shop insurance: curious what you have?
Replies: 22
Views: 1567

Need to shop insurance: curious what you have?

After numerous rate creeps by State Farm, my loyalty has run out. This week I'm planning to shop around. I currently have 2M umbrella, house, and 1 car with State Farm. I wonder insurance companies Bogleheads have and whether you can recommend a strategy. I don't want to kill myself doing this; perh...
by Limoncello402
Tue Dec 26, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 7604

Re: manual car for new teen driver

I have driven a series of VW Golfs over many years, MT, and just love them. They are extremely popular in Europe, less so here, but I love the feel of the drive, the roomy hatch, etc. etc. I learned to drive on a MT and will never own anything else.
by Limoncello402
Tue Nov 28, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 12434

Re: After financial independence, do you lose motivation for work?

I lost motivation when I could see retirement distant on the horizon and knew I'd be just fine financially. It is like a rounded a hill and saw no more to climb. No more promotions (I reached the top of my field); no real need for a raise each year; no need to do "extra" at work for brownie points. ...
by Limoncello402
Sat Nov 11, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 131
Views: 11481

Re: Do you meditate?

Yes, everyday. I'm a Catholic and there is, of course, a 2000 year tradition of meditation and contemplation. I often meditate with the help of Bible passages and the mysteries of the Rosary--beautiful, very deep meditations. Contemplation is something different but related, and I do that in Holy Ho...
by Limoncello402
Sat Sep 23, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Are quality exterior doors worth it?
Replies: 17
Views: 2385

Re: Are quality exterior doors worth it?

Timely post. I have a 1923 Craftsman home and am replacing the back door. A hardwood oak or maple door (I haven't decided whether to stain or paint it yet, so don't know which), Simpson brand, with glass on the top and three panels (exactly like the original) runs $1600. This includes everything exc...
by Limoncello402
Sun Aug 20, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 37
Views: 3080

Re: Possible January trip to Naples, Italy / Amalfi Coast

If you decide not to stay in Naples, you can easily take the train to Naples, then in the station go several flights down to the Circumvesuviana railroad to Pompei. Easy to do. Then you can take it on to Sorrento where the bus will take you up the Amalfi coast. I typically stay in Positano, at the V...
by Limoncello402
Wed Aug 09, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is my current LTC policy relatively good?
Replies: 19
Views: 1581

Re: Is my current LTC policy relatively good?

That's precisely the problem: the annual premium may rise at any time, often quite a bit. When I was buying there was no option for me of a fixed premium. Hence the dilemma about LTC. I suspect you bought your policy at a time when the terms were much more favorable.
by Limoncello402
Wed Aug 09, 2017 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Is my current LTC policy relatively good?
Replies: 19
Views: 1581

Re: Is my current LTC policy relatively good?

Bogleheaders seem to be all over the place in the LTC debate. Not surprising, I think, because the issue is a difficult one. My Genworth policy premium, held for 6 years now, went up quite a bit this year--it is now $3400/year. Coverage is great, though--daily benefits are $238. When I got the notic...
by Limoncello402
Fri Aug 04, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 30378

Re: A poll: How much money do you want to retire?

2.5 million and a paid off home (worth $400,000) at 65. I'm 60 now and almost there...
by Limoncello402
Mon Jul 31, 2017 6:53 am
Forum: Personal Finance (Not Investing)
Topic: How do I shop around for a HELOC?
Replies: 9
Views: 1457

Re: How do I shop around for a HELOC?

It is generally a good advice to have a HELOC, especially when you get to retirement. I got one several years ago to do a kitchen remodel, and paid it all back over 2 years. Unfortunately, it has an annual fee of $75.00, so I am going to close it soon and look for one with no fee and, of course, low...
by Limoncello402
Sun Jul 30, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 12853

Re: Your "at peace" moments.

I'm an early riser (4-4:30) and just love the early mornings. I drink coffee, watch the sunrise, do my prayer and meditation. I also love snowy winter Sundays with the paper and glass of wine in front of the fireplace. Long bike rides in nature (not traffic!) are very peaceful.