Search found 87 matches

by Limoncello402
Mon Jul 30, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: LTC strategy: make health your hobby
Replies: 38
Views: 2996

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: 2455

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: 9743

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: 6446

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: 2225

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: 4758

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: 9411

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: 8782

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: 2957

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: 2957

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: 2898

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: 689

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: 5986

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: 2397

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: 2397

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: 709

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: 3732

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: 1867

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: 1867

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: 1867

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: 6579

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: 891

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: 6524

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: 6524

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: 11196

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: 19335

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: 3205

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: 4090

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: 5670

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: 12039

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: 12039

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: 12039

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: 12039

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: 703

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: 12400

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: 2700

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: 12039

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: 7694

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: 671

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: 5280

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: 671

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: 5439

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: 7099

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: 2195

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: 11387

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: 1974

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: 3871

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: 3871

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: 811

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: 2677

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.