Search found 147 matches

by Limoncello402
Tue Oct 13, 2020 7:03 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel without Permit?
Replies: 40
Views: 3684

Re: Bathroom Remodel without Permit?

Kind of depends on your municipality and how strict they are. In mine, unless it is visible from the street, no one much cares about pulling permits. I've remodeled a kitchen and bathroom without one. Ask around to get the inside scoop.
by Limoncello402
Sat Oct 10, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 144
Views: 23587

Re: Single People and Retirement Question

OP here and am glad this thread resurfaced. I don't find it irrelevant as a poster above called it. Issues of being single and retirement, as I posted in my OP, are very much here today as they were in 2018. While some travel plans are on hold for many would-be travelers, some of us are being more c...
by Limoncello402
Mon Aug 17, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: Pour-Over Coffee maker
Replies: 39
Views: 2481

Re: Pour-Over Coffee maker

By far--the Clever Coffee Dripper. Cheap and allows you to brew for as long as you'd like for extra strength before dripping into your cup. Much better IMO than Melitta. https://www.amazon.com/Clever-Coffee-Dripper-Filters-Included/dp/B00BCS13IW/ref=asc_df_B00BCS13IW/?tag=hyprod-20&linkCode=df0&hvad...
by Limoncello402
Thu Aug 06, 2020 3:44 pm
Forum: Personal Consumer Issues
Topic: Does anyone use Ting Internet or mobile?
Replies: 6
Views: 649

Re: Does anyone use Ting Internet or mobile?

I've had Ting mobile for about 5 years and love them. My monthly bill (one phone) is between 18-26 dollars. I use very little data. Good service, and very nice people.
by Limoncello402
Wed Jul 22, 2020 4:42 am
Forum: Personal Finance (Not Investing)
Topic: Reapplying for a HELOC
Replies: 5
Views: 472

Re: Reapplying for a HELOC

For what it's worth, I just got one from Alliant, no closing costs and all done online. They were very efficient and the whole thing took about 1.5 weeks.
by Limoncello402
Sun Jul 19, 2020 5:49 am
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31350

Re: What surprised you the most once you retired?

Another professor here, retiring this year at 63. I guess that's early for some professors, but I can say that I loved my academic life -- until I didn't. My field (liberal arts) has changed dramatically since I entered the academy, and so have the students. It is all but unrecognizable to me. Yes, ...
by Limoncello402
Sun Jul 19, 2020 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Deciding whether to retire - it's difficult!
Replies: 77
Views: 9374

Re: Deciding whether to retire - it's difficult!

I am in a similar situation with only about 1/2 the net worth, and I may pull the plug just before turning 63. I don't live in a HCOL area though. Politics at work are much different and my enthusiasm for work is greatly finished. I had to double check your post to make sure it was written by me. (...
by Limoncello402
Sat Jul 18, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC Intangible Taxes Question MN
Replies: 3
Views: 245

Re: HELOC Intangible Taxes Question MN

Thank you! And thanks Mike for posting that information.
Ugh......
by Limoncello402
Sat Jul 18, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 986
Views: 60133

Re: What are you listening to now

I'm on an early BeeGees kick and have been watching some of their videos. Can't get Robin's soulful Massachusetts out of my head this week...as well as I Started to Joke. Wow, those are great songs--much better, IMO, than their disco phase.
https://www.youtube.com/watch?v=FuoWykVNwyI
by Limoncello402
Sat Jul 18, 2020 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC Intangible Taxes Question MN
Replies: 3
Views: 245

HELOC Intangible Taxes Question MN

Wondering if anyone can help me out here. I'm applying for what I thought was a no-cost HELOC through Alliant. Super simple and user friendly website. But I got to the end only to be told that my state (county?) charges a whopping $600 of "intangible taxes" to get the loan amount I want. I'm new to ...
by Limoncello402
Sun Jul 05, 2020 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Open HELOC before retiring?
Replies: 25
Views: 1339

Re: Open HELOC before retiring?

Thanks for your answers. If I find a HELOC with no costs, I will open one, but so far I haven't.
by Limoncello402
Sat Jul 04, 2020 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Who has long term care insurance?
Replies: 119
Views: 6158

Re: Who has long term care insurance?

I have a Genworth policy, and have had it about 9 years now. $3400 premium for me, a single person. Expensive but it is worth it to me.
by Limoncello402
Sat Jul 04, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Open HELOC before retiring?
Replies: 25
Views: 1339

Open HELOC before retiring?

I am retiring this year (December) and have noted that some suggest opening a HELOC before retiring. Pros and cons of doing this? I kind of hate to spend the money for/have an annual fee on something I may never use. My house is paid off.
by Limoncello402
Sat Jul 04, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4687
Views: 1289703

Re: What Book Are You Currently Reading? Part VI

I'm on a P.D. James kick right now.
by Limoncello402
Mon Jun 29, 2020 11:54 am
Forum: Personal Consumer Issues
Topic: Warm slippers/ socks?
Replies: 21
Views: 1232

Re: Warm slippers/ socks?

by Limoncello402
Fri Jun 26, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Warm slippers/ socks?
Replies: 21
Views: 1232

Re: Warm slippers/ socks?

We have hardwood floors and stairs, and it is typically cold here, so I wear socks with treads on them bought from amazon. Not expensive, but wash well and wear well for at least a year, then tossed for new ones. They are fuzzy, warm, and the treads really help keep one from slipping. I wear them to...
by Limoncello402
Thu May 28, 2020 7:23 am
Forum: Personal Consumer Issues
Topic: Non-response from company re: door purchase
Replies: 5
Views: 653

Re: Non-response from company re: door purchase

Shout out to boglegirl for her answer! I called the credit card company, and despite the fact that I made the purchase last October they are disputing it for me and will refund the amount. I hadn't even thought of doing that!! Thanks boglegirl!!!!
by Limoncello402
Wed May 27, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: Non-response from company re: door purchase
Replies: 5
Views: 653

Non-response from company re: door purchase

I have a dilemma and am open to advice. In October 2019 I purchased a new hardwood exterior door plus lockset ($2000) from a local millwork company. Frankly, some of the reviews for this company on google were worrisome, but the majority were good, so I took a chance. It is a company with an histori...
by Limoncello402
Tue Apr 28, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: House Siding for MN - LP / Hardie / Steel?
Replies: 12
Views: 1104

Re: House Siding for MN - LP / Hardie / Steel?

Just completed a Hardie board siding of my 100 year old St. Paul house, with Twin Cities Siding Professionals. It took a long time for me to make the decision, but I finally bit the bullet and am very, very happy. You are welcome to come look if you want. Note that I really did not consider the alte...
by Limoncello402
Mon Mar 16, 2020 6:39 am
Forum: Personal Consumer Issues
Topic: Split tops of thumbs--ouch!
Replies: 18
Views: 1181

Re: Split tops of thumbs--ouch!

Wow--thanks for the very helpful suggestions. I'm going to definitely look into these products. I've got to do something before the splits really get infected. And by the way it is not a first world problem at all--I work with my hands daily doing carpentry. I wish people with nothing good to say wo...
by Limoncello402
Mon Mar 16, 2020 5:43 am
Forum: Personal Consumer Issues
Topic: Split tops of thumbs--ouch!
Replies: 18
Views: 1181

Split tops of thumbs--ouch!

This is the most painful thing, like a big paper cut. I've gotten these occasionally over very dry winters, but it is very bad now due to all the extra hand washing. Does anyone get these splits on their thumbs? It only seems to be thumbs for some reason. A bandaid doesn't stay on it since I am wash...
by Limoncello402
Sun Jan 19, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 174359

Re: What frugal thing did you do today?

Well, I'll tell you...I've started to do alternate day fasting for weight loss and overall "reset" of my body and it has cut down on my food bill like crazy. I fast from evening dinner on (say) Sunday to Tuesday breakfast, then repeat. Nothing at all but coffee and water on fasting days. As long as ...
by Limoncello402
Sun Dec 15, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Lodging in Rome
Replies: 30
Views: 2289

Re: Lodging in Rome

I stay low budget in Rome and it suits me. I like to stay in Prati because you can walk or take public transportation to both the old part of Rome and Vatican. I have stayed at both Hotel Prati and Hotel Colors and both are great. For a more upscale stay, try Due Torri in Rome's center.
by Limoncello402
Wed Nov 13, 2019 4:28 am
Forum: Personal Consumer Issues
Topic: Blankets/Bedding for Cold Winter Nights
Replies: 56
Views: 4064

Re: Blankets/Bedding for Cold Winter Nights

The air temp in my bedroom is cool during our long and cold winter nights. I even keep the window cracked open a bit. Flannel sheets make me too sweaty. I use t-shirt sheets year round: warm in winter, cool in summer. On top of that is a good quality wool blanket. On top of that is a super thick dow...
by Limoncello402
Tue Jul 02, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: drugstore prices
Replies: 20
Views: 1465

Re: drugstore prices

In my area, Target or Walmart can be significantly less expensive for such items than drugstores.
by Limoncello402
Thu Feb 21, 2019 4:47 am
Forum: Personal Consumer Issues
Topic: purchasing new furnace tips
Replies: 36
Views: 2398

Re: purchasing new furnace tips

About to replace our 30 year old Weil McLain gas boiler with a new Weil McLain. 1920s two story house in the Midwest, and will cost $6000.
by Limoncello402
Mon Feb 04, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is Long Term Care Insurance worth it?
Replies: 318
Views: 14525

Re: Is Long Term Care Insurance worth it?

As a single, financially competent person, I am very happy that I have a LTC policy. Not only will it cover a good quality nursing home if I need it someday, but it will also cover home care help. Since I have no one to care for me -- no family -- such insurance is well worth it for me. Lots of peop...
by Limoncello402
Fri Jan 25, 2019 4:42 am
Forum: Personal Consumer Issues
Topic: Where to stay in Naples, Italy and along Amalfi coast
Replies: 36
Views: 2460

Re: Where to stay in Naples, Italy and along Amalfi coast

By far my recommendation would be Positano. I've stayed at the Hotel Vittoria several times and find it idyllic. From Positano you can take the boat for a day trip to Amalfi. I don't like Naples much, but that's me. If you are staying in Rome or Naples, it is easy to get to the coast on the Circumve...
by Limoncello402
Tue Jan 15, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 32811

Re: Funniest movies of all time? Name five of your favorites...

Airplane
Some Like it Hot
Moonstruck
Fargo
The Entertainers
The Out of Towners
Monty Python movies
by Limoncello402
Sun Jan 06, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: How often do you deep clean?
Replies: 52
Views: 2834

Re: How often do you deep clean?

I do a deep clean spring cleaning, so once a year. I can get away with that because I live alone and am quite neat and clean in general. During spring cleaning everything get emptied out of each room, ceiling and walls are wiped down, floor is washed, rugs are cleaned, wood furniture is cleaned, pai...
by Limoncello402
Thu Jan 03, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: HE Washer/Dryers - What do you have..are you pleased?
Replies: 33
Views: 2774

Re: HE Washer/Dryers - What do you have..are you pleased?

That could be the reason I've never had that stink that others talk about. I always use powder detergent (Tide Original) and I don't even wipe the door, just let it stand open a bit for a day.
by Limoncello402
Thu Jan 03, 2019 4:55 am
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 90
Views: 12293

Re: Living Abroad - Who's done it?

I taught in Europe several times, for about 5 months each time. Total time living abroad was about 2.5 years. I would recommend shorter stints. At least make sure you are familiar with the place and comfortable there before committing to a longer period. As a homeowner, I rented out my house and eac...
by Limoncello402
Thu Jan 03, 2019 4:25 am
Forum: Personal Consumer Issues
Topic: HE Washer/Dryers - What do you have..are you pleased?
Replies: 33
Views: 2774

Re: HE Washer/Dryers - What do you have..are you pleased?

I have the Whirlpool Duets and love them. Front loading HEs. As I recall, but don't remember the specifics, a bunch of these names are really the same company--Kenmore, Maytag, Whirlpool, etc. Again I don't remember the specifics. SpeedQueen is revered for the old-type of top loaders that are real w...
by Limoncello402
Wed Jan 02, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Why doesn't my iphone (5c) ring when call comes in?
Replies: 21
Views: 1789

Re: Why doesn't my iphone (5c) ring when call comes in?

Thanks Mathwizard, but as I stated above the phone is not on Do not Disturb. It is also not on airplane mode. As mentioned, I've already gone through all the suggestions in this thread.
by Limoncello402
Wed Jan 02, 2019 5:23 am
Forum: Personal Consumer Issues
Topic: Why doesn't my iphone (5c) ring when call comes in?
Replies: 21
Views: 1789

Re: Why doesn't my iphone (5c) ring when call comes in?

Thanks again everyone for good advice. In scrolling the net for this issue, I happened upon a long thread about it and got some more tips. One that seems promising is that in Do Not Disturb, Allow Calls From, mine was set to Favorites. No idea why. I changed it to Everyone. There's also some suggest...
by Limoncello402
Tue Jan 01, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Why doesn't my iphone (5c) ring when call comes in?
Replies: 21
Views: 1789

Re: Why doesn't my iphone (5c) ring when call comes in?

Thanks everyone. I went through all your suggested steps and none apply. The silencer is not on, the do not disturb is not on. I went through each step in the attachment cyclingduo provided (very clear!) and none applied. Except of course the last step that says, well then upgrade your phone. To be ...
by Limoncello402
Tue Jan 01, 2019 4:55 am
Forum: Personal Consumer Issues
Topic: Why doesn't my iphone (5c) ring when call comes in?
Replies: 21
Views: 1789

Why doesn't my iphone (5c) ring when call comes in?

I'm hoping Bogleheads can help me out here since this is such a knowledge filled group. Ok, as you see from my owning a 5c, I am not up at all on the latest cell phone technology. The 5c, bought 3 years ago, serves me just fine. I almost never use the data and make relatively few calls and texts. Th...
by Limoncello402
Thu Dec 13, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 6633

Re: Volkswagen Reliability

Love my Golf. Completely reliable for 12 years now. I'd buy another in a heartbeat. Perfect urban car for me.
But then again I don't drive much and I don't drive hard. It is carefully maintained and garage kept.
by Limoncello402
Mon Dec 03, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 5026

Re: Please Recommend a New Car for Me

I'll admit that it will be very hard to give up the VW Golf if I do decide to get something different. I may well buy one again (and maybe consider snow tires). Still, I want to keep my options open initially, especially since I first need to get educated on what other possibilities there are out th...
by Limoncello402
Mon Dec 03, 2018 4:45 am
Forum: Personal Consumer Issues
Topic: Quality Kitchen Faucet Recommendations?
Replies: 36
Views: 3304

Re: Quality Kitchen Faucet Recommendations?

When I redid the kitchen two years ago, I got the Delta Leland. Great quality, not expensive, and an up to date look.
by Limoncello402
Mon Dec 03, 2018 4:38 am
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 5026

Re: Please Recommend a New Car for Me

Thanks everyone for all these thoughtful answers. I look forward to reading this thread carefully and checking out all the recommendations. As to manual--well, yes, lots of people still drive manual. While not a deal breaker for me, it is certainly something I enjoy a lot and would prefer. If you ha...
by Limoncello402
Sun Dec 02, 2018 5:14 am
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 5026

Please Recommend a New Car for Me

I will be buying a new car in the near future. I drive very little and know near to nothing about cars. Nor do I really care. I simply want something reliable, safe, up to date and good looking. My current car is 13 years old, bought new at the time, and given my pattern I'll probably keep this one ...
by Limoncello402
Thu Nov 29, 2018 3:56 am
Forum: Personal Consumer Issues
Topic: Warm Sleepwear
Replies: 21
Views: 2740

Re: Warm Sleepwear

I love long underwear on cold nights, but for an older woman she would probably like either a flannel nightgown (Lanz of Salzburg is "classic") or flannel pjs. Try to find out which she prefers before buying, nightgown or pjs.
by Limoncello402
Thu Nov 29, 2018 3:51 am
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 34
Views: 3809

Re: Winter boot recommendation

MN here. We know boots. I've had very good luck with Khombu, made in Canada. Great, warm, well made boots. Sorrels are just too heavy and clunky for me.
by Limoncello402
Tue Nov 13, 2018 4:53 am
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 20
Views: 2299

Re: Best city car

Love my VW Golf! Very zippy, very reliable, great huge hatch.
by Limoncello402
Wed Oct 31, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1992

Re: Anybody use CenturyLink for internet service?

Just be very aware that any price you are quoted is most likely not the price you will be billed and, in addition, it will most likely be an initial teaser rate that will shoot up eventually. Once they get you on a contract, trying to deal with billing is an endless loop of frustrating answering mac...
by Limoncello402
Wed Oct 31, 2018 4:21 am
Forum: Personal Finance (Not Investing)
Topic: First Major Medical Expenses under HDHP
Replies: 31
Views: 3410

Re: First Major Medical Expenses under HDHP

I would use the HSA. That's what it is there for. For me tapping into it is as simple as a few key strokes to withdraw that money and put it into my checking account. You just need to be signed up for this online, so do that anyway. That said, as others have stated, what you do depends on your large...
by Limoncello402
Wed Oct 31, 2018 4:15 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1992

Re: Anybody use CenturyLink for internet service?

I have Centurylink for internet only. I strongly dislike the company as I experienced fraud in their sales pitch and in fact am not along--there's a big class action law suit in my state against them. They constantly do bait and switches, as I know first hand. I can't stand the fact that I still use...
by Limoncello402
Tue Oct 30, 2018 4:27 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Minnesota
Replies: 28
Views: 3390

Re: Moving to Minnesota

Some of those northern suburbs mentioned here are very livable and lots of condo/townhouse options. There are also great bike trails that connect with St. Paul and Mpls. I live in St. Paul and just love it here. If I were you I'd try to move close to work to save any commuting headache at all. I wal...