Search found 55 matches

by Calli114
Tue Sep 04, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: Summer Day A/C Issues
Replies: 41
Views: 2194

Re: Summer Day A/C Issues

That sounds very humid for some reason. But anyway, I had a different problem that was affecting my electric bill and stressing the A/C, which was a westward-facing bedroom that was always too cold in the winter and too hot in the summer - there were days when it would run continuously and not get c...
by Calli114
Tue Aug 28, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 8614

Re: Ladies: bra shopping question

WACOAL underwire bras are THE BEST. Expensive at around $70 but often, department stores such as Dillards or Nordstrums have sales, so you can usually make a purchase from $40-$50. Always try them on. Often stores that carry this brand have someone who can fit you, although I never used this servic...
by Calli114
Tue Aug 21, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3290
Views: 995404

Re: What Book Are You Currently Reading? Part VI

A spiritually-oriented book by Rachel Shelton called "A Place To Close My Eyes" (it's actually titled in all lower case). It's about a little girl in the Deep South who grows up enduring every kind of abuse and various traumatic events. Her only relief and mentor was a wise old black guy called Joes...
by Calli114
Sat Aug 04, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9778

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I tend to buy it; I mean you could be in some remote place where a land ambulance is not practical, or time of the essence. If you were in Rome, the care would probably be fine, but what if you wanted to fly to a US hospital anyway? I heard a horror story of a lady who got critically ill in Papua Ne...
by Calli114
Sat Aug 04, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Best way to send flowers out of town
Replies: 21
Views: 1274

Re: Best way to send flowers out of town

If it's a surprise and you can't ask the person their favorite florist, look at a map of florists near their address and check out the websites to see if they have stylish stuff.
by Calli114
Fri Jul 20, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3290
Views: 995404

Re: What Book Are You Currently Reading? Part VI

It's not new, but I had never heard of it - Crucial Conversations. Subtitle, "Tools for talking when stakes are high." A friend in the healthcare field gave it to me. I would describe it as communication tools that can be used for either business or personal matters. I am 40 pages in. If I run into ...
by Calli114
Fri Jul 20, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3290
Views: 995404

Re: What Book Are You Currently Reading? Part VI

I bought the paperback Camino Island by John Grisham at the airport. It's about the theft of priceless F. Scott Fitzgerald manuscripts from the rare books library at Princeton. It kept me entertained, and I finished it literally about 30 minutes before getting back home - perfect! Just downloaded t...
by Calli114
Wed Jun 20, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for long-term care of a brother with Autism? (Financial aspect)
Replies: 27
Views: 2039

Re: Planning for long-term care of a brother with Autism? (Financial aspect)

I have a disabled brother who lives in an apt with a roommate and all his needs are met by SSI and MCaid, so I have an ethical dilemma in leaving him a large estate, as I have observed the offices where his caregivers' administration is are quite luxurious, so it makes me wonder how much of the mone...
by Calli114
Mon May 14, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2707

Re: Subaru Crosstrek vs Outback

You should look at and drive the 3.6R Outback. That is the best car for your plans by far. It has two good features that drive this. You can get the 3.6R engine in the Outback which is much better going up mountain grades in Colorado. The second key feature is the back seat in the Outback folds dow...
by Calli114
Thu Apr 12, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3290
Views: 995404

Re: What Book Are You Currently Reading? Part VI

I bought the paperback Camino Island by John Grisham at the airport.
It's about the theft of priceless F. Scott Fitzgerald manuscripts from the rare books library at Princeton.
It kept me entertained, and I finished it literally about 30 minutes before getting back home - perfect!
by Calli114
Tue Mar 27, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 11010

Re: Not going to be buying chicken for a while...

FrankenFood - thanks for the warning!
I had not heard of this.
by Calli114
Mon Mar 26, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 7246

Re: Question for physicians-- is my taking call worth it?

It seems as if working in that environment would also set you up for greater medico-legal concerns; a high risk population and always dealing with patients you've never seen before. Not that you would have personal financial risk, but a lawsuit hanging over your head may not be worth it. I'm not in ...
by Calli114
Sun Mar 25, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term care should I lengthen my elimination. period
Replies: 10
Views: 858

Re: Long-term care should I lengthen my elimination. period

Thank you for that clarification. Looking at Future cost I figured I can self pay for 365 days waiting./ Elimination. Period Same here, my policy is becoming unaffordable with yearly rate hikes. I will be interested to see further replies. If you have yearly rate hikes then you bought a lousy polic...
by Calli114
Sat Mar 24, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term care should I lengthen my elimination. period
Replies: 10
Views: 858

Re: Long-term care should I lengthen my elimination. period

pablolo wrote:
Sat Mar 24, 2018 1:45 pm
Thank you for that clarification. Looking at Future cost I figured I can self pay for 365 days waiting./ Elimination. Period
Same here, my policy is becoming unaffordable with yearly rate hikes. I will be interested to see further replies.
by Calli114
Fri Mar 23, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 12789

Re: Underrated places to visit in U.S.?

Funny, I was about to say Northern Arkansas, but sounds like you've probably been there!
For those who haven't, it has the Buffalo National River for float trips, camping and hiking, and the Ozark and Boston mountains. Some good lakes. Very pretty in fall.
by Calli114
Sun Mar 18, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement - Fear of the Unknown
Replies: 34
Views: 4051

Re: Retirement - Fear of the Unknown

Sandtrap wrote:
Sun Mar 18, 2018 2:58 pm
As long as finances are in order, retire while you have health and quality of life because both are fleeting things.
Mahalo
J🌺🌺🌺
I agree with this philosophy, especially having cancer and dementia in the family history.
by Calli114
Thu Mar 15, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 15571

Re: Large life style creep that was completely worth it

Flying business or first class for overseas flights.
Air travel is not fun but I love to see new places; I figure control what aspects you can.
by Calli114
Sun Mar 11, 2018 3:55 am
Forum: Investing - Help with Personal Investments
Topic: Amount saved by age
Replies: 58
Views: 9037

Re: Amount saved by age

*Buy and Read This book until it gets worn out: Life Code by Dr. Phil https://www.amazon.com/Life-Code-Rules-Winning-World/dp/1939457068/ref=sr_1_1?ie=UTF8&qid=1520695309&sr=8-1&keywords=lifecode I have never read a Dr. Phil book - is it helpful for retirees or more for those still in the workforce?
by Calli114
Sat Feb 17, 2018 12:20 am
Forum: Personal Consumer Issues
Topic: Good brands for Kitchenware?
Replies: 40
Views: 3547

Re: Good brands for Kitchenware?

All Clad stainless for pots and pans (NOT the nonstick line or the fancier and more expensive copper core). The regular stainless or stainless D5 are all you will ever need. LeCreuset dutch ovens. Lodge cast iron. I like a lot of Oxo kitchen-tool products. Ditto to all of this! And I love my Vitami...
by Calli114
Tue Feb 13, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 7278

Re: Work-out schedule for those in 60s

It is a humorous read, written by a retired lawyer and his doctor who is trying to keep him in shape. His doctor died of cancer at age 58: https://www.nytimes.com/2017/03/14/books/henry-lodge-dead-co-author-younger-next-year.html Yes I saw that - Prostate Cancer. I saw that his father died two days...
by Calli114
Tue Feb 13, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 7278

Re: Work-out schedule for those in 60s

Thank you for all your replies. Seemed to me that I do not need the rest days (which I thought was important for my aging body to recover), so I will be adding another strength day and another cardio day. Plus looks like I could increase my cardio a notch both in intensity and length. Thank you. A ...
by Calli114
Tue Feb 13, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Antarctica,South George, Falkland Islands
Replies: 4
Views: 523

Re: Antarctica,South George, Falkland Islands

I've done that trip, enjoy it! Mine was during a January, so the climate will be a little different I guess. South Georgia was absolutely stunning! I'm not sure I have any specific tips other than to follow the clothing guidelines you probably received. Our trip included a parka, and we rented the b...
by Calli114
Tue Jan 23, 2018 4:57 am
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 7278

Re: Work-out schedule for those in 60s

Thank you for all your replies. Seemed to me that I do not need the rest days (which I thought was important for my aging body to recover), so I will be adding another strength day and another cardio day. Plus looks like I could increase my cardio a notch both in intensity and length. Thank you. A ...
by Calli114
Sat Dec 16, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Single Purpose Device- Waffle Iron
Replies: 27
Views: 2582

Re: Single Purpose Device- Waffle Iron

Lots of ideas on Google. The grilled cheese, hash browns, and French toast sticks sound good, but can't say I've tried any of them.
And don't forget savory waffles instead of sweet.
by Calli114
Tue Nov 21, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Anyone "re-door" their kitchen cabinets?
Replies: 13
Views: 1998

Re: Anyone "re-door" their kitchen cabinets?

My house was built around 1990 - the cabinets were that typical medium oak color with brassy hardware. I had a kitchen renovation 5 yrs ago but kept the cabinets, got a painter and handyman to take off all the doors and change all the hardware to a nickel color - they painted the doors white, out in...
by Calli114
Tue Nov 21, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 12357

Re: What are the things you want to do between 55 and 65?

Any high altitude destinations or remote trekking may seem dicier with advancing age and possibly declining balance as well. Tibet, Nepal, and Mt. Kilimanjaro come to mind.
by Calli114
Tue Nov 21, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Best vehicle for seniors?
Replies: 73
Views: 7050

Re: Best vehicle for seniors?

I am on my 2nd Outback and have driven a Forester multiple times as a service loaner and a test drive. The Outback is built more solidly, but the Forester does have good visibility for the driver. I've had knee surgery and have no problem at all getting in and out of either. I see many retirees in O...
by Calli114
Sat Oct 28, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: What is on your Pre and/or Post Retirement Bucket List?
Replies: 23
Views: 2373

Re: What is on your Pre and/or Post Retirement Bucket List?

Regarding frontloading travel (I hadn't thought to call it that), that's been my strategy too. I've tried to do international travel to any must-see destinations, because life and health are uncertain. I know if my health went downhill in a decade or so, it would be much easier at that time to do sh...
by Calli114
Sat Oct 28, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 4926

Re: European Tours

Thanks to all who responded. I appreciate the time it takes to make a detailed post, and all input is being put into the memory bank! I think I'm leaning to some sort of a tour, just to make it as trouble / stress free an experience as possible. I do understand the tradeoffs, but I think we might d...
by Calli114
Fri Oct 27, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 18853

Re: 2018 ACA rates now live....

It would be good to be cautious about looking at the numbers, they seem to be having some problems. When I enter a number a bit below 400% of the poverty level for two people, $62,000, and with one person already on medicare it is saying that there would be a $1,403 per month tax credit for the one...
by Calli114
Mon Oct 23, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 6155

Re: what is your weekly workout routine?

Do you have anywhere pleasant to do a 2 mile light hike on your days off, like something of a restorative day?
To me it's a different workout to walk on some uneven ground rather than just a treadmill all the time; it gets all your small balancing muscles involved. Doesn't have to be steep.
by Calli114
Wed Oct 18, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 7796

Re: Outback Vs Forester Vs CR-V ??

I'm on my 2nd Outback; I like the shape of it and I can fit my bike in the back without having to put on a rack. I test drove a Forester (and had them as loaners) and thought it felt more cheaply made. I haven't had a CR-V but one of my friends just got one and she seems quite ambivalent about it. M...
by Calli114
Sun Oct 15, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Dental implants in Poland
Replies: 29
Views: 3042

Re: Dental implants in Poland

I just think it's too dicey to go abroad for dental implants, purely my opinion. I have a general dentist, endodontist, and oral surgeon, unfortunately. I had read that Hungary has excellent dentistry for expats, so I ran it by my dentist just out of curiousity- she said some of the worst dentistry ...
by Calli114
Fri Sep 29, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1518

Re: Luggage locks

I've never bothered with a luggage lock on a flight. But I recently bought a luggage lock for a slightly different reason: when I'm at a business conference, I very frequently wind up having to leave my luggage with either the hotel front desk, or in a designated location near the conference center...
by Calli114
Sun Sep 24, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 10372

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

One thing I found completely useless is a state magazine that has an annual issue of "top docs" in the state. They have awful doctors in that list, and did not include ones I knew were good. How those lists are made up I have no idea. The magazine claims it polls doctors to make up the list. Some p...
by Calli114
Tue Aug 22, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 6429

Re: Eclipse Traffic: predictions vs reality?

No issues in the morning. On the way home I was on westbound I-44 in MO which was congested but moving well. The kind of thing where if I wanted to pass, had to wait on 10 other cars to go by. But still travelled mostly between 65-75 mph. The interesting thing to me was HUGE volumes of OK, TX, AR pl...
by Calli114
Sat Aug 19, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 9836

Re: Little P**S Ants

I'd call a exterminator - they are licensed for chemicals and treatments that you can't buy (at least in most locales - not sure about yours). I'm in the Northeast but had trouble a couple of summers in a row and finally called an exterminator and now have him treat every year - he guarantees his w...
by Calli114
Wed Aug 09, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 8403

Re: Delta priority boarding - first timer

Why are people so obsessed with being the first on the plane? As if that's some sort of prize to be had. LOL, funny the extremes people will go when they think they are "beating" everyone else.[/quote] If it is really important to you to get on the plane early, strap on a knee brace and board with t...
by Calli114
Sun Aug 06, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Selected photos from my ride across Western Europe -- Amsterdam to Passau, Germany
Replies: 21
Views: 2743

Re: Selected photos from my ride across Western Europe -- Amsterdam to Passau, Germany

Incredible adventure and photos! You're an inspiration! My wife and I are planning a Backroads biking vacation in Banff/Canadian Rockies next year! I was just there a month ago and we saw the Backroads bikes and van on the roads! The weather was a little warm but otherwise perfect. Lovely photos, OP.
by Calli114
Wed Aug 02, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 54174

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

The answer to the question depends on WHEN we retire just as much as HOW MUCH we need. We've been living on $6k a month ($72,000 a year) very comfortably, traveling often, and doing nearly everything we would want to do in retirement. That's with zero debt, and no house payments. Let's make it an e...
by Calli114
Wed Aug 02, 2017 10:56 pm
Forum: Investing - Theory, News & General
Topic: The Rise From 7,000 to 22,000
Replies: 49
Views: 7678

Re: The Rise From 7,000 to 22,000

It doesn't seem so extreme if you think of it as 14,000-22,000 from 2007-2017. + 1 Measuring from a starting point of 2009 reminds me of my relatives when they return from the casino - they only talk about their winnings, never their losses I don't know anybody who goes to a casino to lose money. T...
by Calli114
Fri Jul 28, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"
Replies: 42
Views: 6264

Re: NYT Carl Richards "You’re No Coward if You’re Keeping Some Money Out of Stocks"

pkcrafter wrote:If you want to understand Carl Richards position on risk, read this.

http://www.nytimes.com/2011/11/09/busin ... house.html


Paul
Interesting - I had no idea.
by Calli114
Mon Jul 24, 2017 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Special Needs Sibling and Mom's (deceased) House
Replies: 5
Views: 1098

Re: Special Needs Sibling and Mom's (deceased) House

I think seeing a lawyer in your sister's state who specializes in Special Needs trusts and benefits would be the best person to consult with. There may also be other issues here that we don't see that the lawyer might identify. I'm sorry things aren't so simple, but it is possible your mom didn't m...
by Calli114
Fri Jul 21, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 4623

Re: Investing well for Retirement can be frustrating

I often noticed the people who don't make much are more likely to want to show off. Maybe it's an insecurity about one's income which manifests itself via expensive, visible purchases. It's the small dog trying to bark the loudest sort of thing. It certainly happens at all income levels, but in my ...
by Calli114
Thu Jul 20, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 4623

Re: Investing well for Retirement can be frustrating

The Teddy Roosevelt quote, "Comparison is the thief of joy," has been of help to me. Important cars and houses are not my priorities, and I can't "have it all", although some people seem to. My portfolio is serving to buy time and experiences, and I'm OK with that. I was just on a terrific group vac...
by Calli114
Wed Jul 19, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Compensation and Subspecialties
Replies: 52
Views: 5718

Re: Physician Compensation and Subspecialties

I agree with the other posters who have said your desirable NYC location probably keeps the salary offers down - if you were willing to do geographic arbitrage, there are almost certainly better offers combined with LCOL in the Midwest, for example. And another option would be to get a few years of ...
by Calli114
Fri Jul 14, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 8951

Re: Cheap eggs... how bad?

You could Google the subject "CAFO eggs" to find out more about factory type egg farms.
I would hesitate to call them farms.
Or search that same subject on Mercola.com, Dr. Mercola is strongly in favor of pastured eggs.
by Calli114
Thu Jul 13, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 5445

Re: Hotel tipping: how much to leave?

Lou354 wrote:$2 or $3 per night.

I agree, for modest hotels like these that seems good. Even if they don't change the linens, I feel better if everything has been tidied up.
For a 4-5 star hotel with twice a day service, I leave $5/day at the end of the stay.
by Calli114
Wed Jul 05, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Delta Air - various classes of service
Replies: 59
Views: 4979

Re: Delta Air - various classes of service

Any carrier can have random problems. I decided long ago after tiring of the "cattle drive" atmosphere of travel, I would control what I can control. In other words, if you can afford it, in First Class if nothing else you are more likely to avoid a negative experience, which seems to be your concer...
by Calli114
Sun Jun 04, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 20451

Re: Flying first class, business, versus economy.

I've traveled overseas on both business class and in economy. I don't think I'll ever go again if I can't afford to go at least business class. I will factor that into the cost of the vacation and not consider it a splurge. I vowed the same thing, after various experiences. For me it came down to, ...