Search found 46 matches

by cs412a
Sat Apr 04, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 74
Views: 3628

Re: How are you exercising with gym closures

I've become aware that I "think" about exercising and fitness a lot more nowadays, and with age. A "boglehead approach" :confused Presently pondering on the allocation between: exercising /vs rest and recovery time IE: 1 hour / 2 days/week or 20 minutes / 3 days/week or . . Of course this allocatio...
by cs412a
Thu Apr 02, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 79
Views: 4646

Re: Replacing Cable TV with Streaming: Critical Analysis

CBS All Access has all of the Star Trek series. They are still running the free month deal until 4/23 if you use the promo code "ALL". I just checked the website. I will say, their streaming capabilities leave much to be desired but free is free. https://www.cbs.com/all-access/ +1 for CBS All Acces...
by cs412a
Tue Mar 31, 2020 7:42 pm
Forum: Personal Consumer Issues
Topic: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?
Replies: 46
Views: 4177

Re: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?

I added Tiger King to my Netflix watchlist when it showed up. I'd heard about Joe Exotic over the years from my sanctuary friends. But now that I've been reading their comments on the docuseries, I am less inclined to watch it. They say it's hard to watch and that much of his craziness is not even ...
by cs412a
Tue Mar 31, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?
Replies: 46
Views: 4177

Re: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?

I added Tiger King to my Netflix watchlist when it showed up. I'd heard about Joe Exotic over the years from my sanctuary friends. But now that I've been reading their comments on the docuseries, I am less inclined to watch it. They say it's hard to watch and that much of his craziness is not even ...
by cs412a
Tue Mar 31, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1450
Views: 111015

Re: Coronavirus (Consumer Issues) How you are preparing?

What do you think about using a PM2.5 mask for protection? They are washable and they use PM2.5 insert. And, they are not used for medical personnel. PM2.5 filters down to 2.5 microns. Coronavirus is 0.125 microns, 20x smaller. It will pass through easily. Yes, but the virus is on respiratory dropl...
by cs412a
Mon Mar 30, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help for Landlords in the Stimulus Bills?
Replies: 158
Views: 9183

Re: Help for Landlords in the Stimulus Bills?

kksmom wrote:
Mon Mar 30, 2020 5:40 pm
Some info on the biggerpockets thread

https://www.biggerpockets.com/forums/49 ... rds?page=1
Here's the link to the SBA disaster loans program. https://www.sba.gov/disaster-assistance ... s-covid-19

Seems like it would apply to landlords.
by cs412a
Sat Mar 21, 2020 12:20 pm
Forum: Personal Consumer Issues
Topic: Generosity in the time of Coronavirus
Replies: 9
Views: 818

Re: Generosity in the time of Coronavirus

Just scheduled my blood donation for next Tuesday.
by cs412a
Thu Mar 19, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: This market downturn has gotten to me...
Replies: 9
Views: 2116

Re: This market downturn has gotten to me...

My volunteer work is on hold for now. The legal aid office I work with has asked volunteers to stay home, and all my League of Women Voters activities have been cancelled. I've been in charge of our outreach to local high schools, and I'm bummed that the high school voter outreach events I've schedu...
by cs412a
Thu Mar 19, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Are you in the mood to buy anything?
Replies: 62
Views: 4967

Re: Are you in the mood to buy anything?

Good deal now on a Washington Post digital subscription - $29 for a year, might be only for new subscribers. https://twitter.com/EmGusk/status/1239582775684075521 Thanks for the info. The offer is only for new subscribers, so I couldn't use the above link, but the offer was available on their regul...
by cs412a
Fri Feb 21, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Do You Have a Long Term Travel Strategy?
Replies: 67
Views: 5911

Re: Do You Have a Long Term Travel Strategy?

Just putting it out there: I was at a high school event and ended up sitting at a table with a family I didn't know. They traveled as a family, but they also had an interesting "family tradition": in the year when each of their kids turned 10, one of the parents would travel with that child to a pla...
by cs412a
Mon Feb 17, 2020 2:15 pm
Forum: Investing - Theory, News & General
Topic: At what age did you begin adding bonds?
Replies: 138
Views: 7370

Re: At what age did you begin adding bonds?

Prior to my divorce, my ex and I didn't have any investments, we just had savings (as in credit union & bank savings accounts). After my divorce, I received "maintenance in gross" instead of spousal support. I also received my share of the IRAs. As an unemployed single female head of household (I ha...
by cs412a
Thu Feb 13, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1450
Views: 111015

Re: Coronavirus (Consumer Issues) How you are preparing?

If you want information by a qualified medical expert, be sure to check this guy's Youtube update each morning. No hype, only science-based information from reputable sources. https://www.youtube.com/watch?v=v16llL6YspY Very informative, thanks. :thumbsup After watching a few of this gentleman's vi...
by cs412a
Mon Feb 10, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Retirement: Filling the time?
Replies: 96
Views: 10187

Re: Retirement: Filling the time?

I discovered at the beginning of my retirement that I had a chronic illness that left me tired and fat. Everything was an effort. I was simultaneously bored and apathetic. Once I discovered what the medical problem was, I was still old and fat, but not as tired. So my main project for the past two y...
by cs412a
Mon Feb 03, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 288
Views: 37154

Re: What video games are you currently playing?

Bookmarking this thread.
by cs412a
Mon Feb 03, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: Will, Trusts & Health Directive: DIY or Hire Lawyer?
Replies: 20
Views: 1112

Re: Will, Trusts & Health Directive: DIY or Hire Lawyer?

I relied on my state legislature and other government officials to create all the necessary documents. So true. If you don't get it right - and it's so easy to get it wrong - state law will determine what happens. Do you know the inheritance laws in your state? Get an attorney's advice. The initial...
by cs412a
Sun Feb 02, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 207
Views: 17307

Re: Examples of Low Tech Improving Your Life

In general, I'm a fan of technology - but I'm usually about 5-10 years behind, which is fine because that allows most of the bugs to be worked out by the time I hop on the bandwagon. So, for instance, I finally moved from a flip phone to a smartphone about two years ago. Really like it. I also enjoy...
by cs412a
Sun Jan 05, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan for first time
Replies: 44
Views: 2787

Re: Traveling to Japan for first time

I don't speak Japanese, and I found it very easy to travel in the city using the subway with a suica card. My phone service is Google Fi, so I was able to use the online pedestrian directions, which made it even easier.
by cs412a
Sun Jan 05, 2020 11:12 pm
Forum: Personal Consumer Issues
Topic: Exercise machine for a small apartment
Replies: 56
Views: 3214

Re: Exercise machine for a small apartment

How about a rowing machine that stores vertically +1 I live in a small, 1-bedroom apartment. I opted for a rowing machine rather than a treadmill to spare my neighbors the noise & vibration. Didn't know if I would actually like/use it, so I rented a new machine from WaterRower for ~$50/month with a...
by cs412a
Thu Nov 14, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: How Worried Should I Be/Is there anything I can do right now? (job offer/background check)
Replies: 33
Views: 3205

Re: How Worried Should I Be/Is there anything I can do right now? (job offer/background check)

OP, I volunteer in legal aid, and currently assist attorneys in expungement and/or sealing of criminal records (which include arrests). The procedures vary from state to state. In my state (IL), employers who request a criminal background check from the IL State Police (who maintain state records on...
by cs412a
Mon Oct 28, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Folks age between 65-70. What’s your exercise routine
Replies: 44
Views: 5083

Re: Folks age between 65-70. What’s your exercise routine

Currently: Rowing (indoor rower) - 5000 meters (a little more than 25 min), 3 times a week. Strength training once a week (eventually I’d like to do this twice a week). My pedometer shows an average of roughly 6000 steps (two miles) a day. I should note that throughout my life, my primary form of ex...
by cs412a
Tue Sep 10, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Visit to Tokyo
Replies: 17
Views: 2024

Re: Visit to Tokyo

Thanks, everyone, for the suggestions! I have traveled to Japan before - once in the 1980's to visit my ex-husband's relatives and again in 2005 to visit my son when he was living in Matsuyama - so I've been to Osaka, Kyoto, Nara, Matsuyama (which was my favorite), and places in between. However, I ...
by cs412a
Mon Sep 09, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Visit to Tokyo
Replies: 17
Views: 2024

Visit to Tokyo

I'll be visiting my son in Tokyo the first week of October. He's staying in an apartment complex in Roppongi, a few blocks from the American Embassy. He'll be in charge of planning weekend travel, and we'll probably be doing things most evenings, but since he'll be working weekdays, I'll be explorin...
by cs412a
Tue Sep 03, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Where to find about debates? (product suggestion needed)
Replies: 7
Views: 353

Re: Where to find about debates? (product suggestion needed)

The League of Women Voters has an election information website that provides information for voters, including local as well as national election debates: https://www.vote411.org/.

My understanding is that this is a nonpartisan, educational website. If I'm wrong, mods, feel free to delete.
by cs412a
Sat Aug 17, 2019 9:32 am
Forum: Personal Investments
Topic: Plan for my mom
Replies: 30
Views: 2573

Re: Plan for my mom

I agree with the posters who've suggested CDs or high rate MMs for her savings. Maybe your mom has always spent more than she makes, but I wouldn't call a disabled 74-year-old who cleans apartments on the side a slacker. Re her housing costs: At 74, feeling at home where she lives and having friends...
by cs412a
Thu Aug 15, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: 1) What age did you have your teen get a driver's license?
Replies: 48
Views: 2248

Re: 1) What age did you have your teen get a driver's license?

When my son was a teenager living at home, he took the bus, walked or had his friends drive him places. It saved me money and a lot of headaches and did him no harm. He was away at college and an adult when he learned how to drive and got his license. Since he wasn't living at home after he finished...
by cs412a
Sun Jul 14, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 8957

Re: No A/C in Office [not a safe work environment]

OP, do you know what the indoor temperature is? How are your co-workers coping with the situation? Are you able to bring fans to the office? I use a Vornado circulating fan ($30 at Costco) at home, and it does seem to reduce the perceived temperature by about 5 degrees. In any case, make sure you st...
by cs412a
Wed Oct 24, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6776

Re: Retirees: What keeps you up at night?

For me, personally, there are no worries. My son and other family members are doing well. When I was younger, and a single female head of household, I was often worried about finances, so it's nice not to have that nagging anxiety anymore. Like some other posters, I also am concerned about larger is...
by cs412a
Tue Oct 23, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on outside of expenses and investments?
Replies: 23
Views: 2162

Re: What do you spend your money on outside of expenses and investments?

I've enjoyed taking one class per semester (mostly online) at the local community college for the past several years: meteorology, geography, art history, music, criminal law, trigonometry, macroeconomics, etc. All the courses I didn't have time to take when I was in college the first time (back in ...
by cs412a
Mon Oct 22, 2018 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years
Replies: 70
Views: 8255

Re: 50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years

Don't be terrified. It's a very misleading headline and an only slightly less misleading study.s JT It's the same study I posted about here , including a link to the original peer-reviewed article. The headline may be sensational, but why do you think the study is "misleading?" It seems like a pret...
by cs412a
Sun Aug 26, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 9614

Re: Ladies: bra shopping question

Probably not everyone's cup of tea, but I get my bras from Title Nine: https://www.titlenine.com/category/wome ... ts-bras.do.
by cs412a
Sun Aug 26, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 8813

Re: I still use cash not credit cards should I reconsider?

I found I stopped carrying more than $25 in cash when my son became a teenager.
by cs412a
Wed Aug 22, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 5722

Re: Is divorce a wise financial move?

Just to continue the discussion, I think it can be a wise move if you do have kids. Single mothers get a lot of government support. Not that I'd want to game the system but it is a known loophole especially among lower income people. Speaking as a former female head of household, and someone who ha...
by cs412a
Wed Aug 22, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 11647

Re: I own 1,387 items!

I tend to think in terms of weight and number of boxes rather than number of items based on my experience moving from one part of the country to another. Before settling down in River City, I moved once a year (taking year-long visiting professorships in various areas as a way to see where I might l...
by cs412a
Fri Aug 03, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 5615

Re: Which diet soda pop do you enjoy?

I like diet colas in general - diet Coke, diet Pepsi, diet RC (do they still make that? It was always the cheapest). I like Fresca, Canada Dry diet ginger ale, and diet A&W. There’s a good reason for people to enjoy colas. Regular colas have 3 things going for them: sugar, which feels good because i...
by cs412a
Thu Aug 02, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 385
Views: 171315

Re: How to Minimize Your Emergency Care Expenses

Not driving under the influence of Versed and endangering others is different from deciding to take my chances with a taxi driver. I have traveled solo in developing countries, walked past midnight in major cities, and took unmarked detours on el Camino de Santiago. I want to believe that I have ag...
by cs412a
Thu Aug 02, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Question to retirees - money or work/life balance?
Replies: 46
Views: 5909

Re: Question to retirees - money or work/life balance?

My dad had early onset Alzheimer’s in his late 50s, just when he and my mom were starting to enjoy life without the kids and the opportunity to travel. For most of his working life, he had worked long hours, holding down both a full and part-time job. Neither job was the type of work he would have c...
by cs412a
Wed Aug 01, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 185
Views: 14078

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

After reading about medical evacuation insurance on this board, I checked into what MedJet offered since I planned to travel to Asia this fall. Initially, I was only going to purchase evacuation insurance for the international trip (approx. $100 for a 15-day trip, as I recall). However, when I learn...
by cs412a
Mon Apr 30, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 9309

Re: How would you handle a request for money from a niece?

If your mother has dementia and you are acting as guardian then you could very reasonably simply briefly explain to your niece that your mother's money is limited and is and will be needed for normal expenses as well as assisted living and health care expenses in the future. It really has nothing t...
by cs412a
Sun Apr 08, 2018 6:21 pm
Forum: Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 70
Views: 8843

Re: If you want an actively managed fund, which one would you use?

When I first got into mutual funds so that I could be "in the market" I didn't know anything about index funds. I took the advice of Consumer Reports and picked a fund with low expenses and put my IRA into Dodge & Cox Stock Fund, with an ER of ~0.52. It did very well by me. In about 22 years the or...
by cs412a
Sat Apr 07, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 10057

Re: Effect of spending money on appearance in career

Just a quick update. Not sure why it happened but I did get a more professional hair cut and wore suits since I posted this. Got my promotion effective the 1st. No one mentioned appearance as being a determining factor and I suspect it was a combination of feeling more confident that helped but fig...
by cs412a
Sat Apr 07, 2018 9:56 am
Forum: Personal Investments
Topic: Financial Advice for Disabled No Income Person
Replies: 8
Views: 1021

Re: Financial Advice for Disabled No Income Person

In addition to following up on the suggestions provided by other posters, your relative might want to see if there is a Center for Independent Living (CIL) in his/her area: http://www.ilru.org/projects/cil-net/cil-center-and-association-directory . From the website: Definition of a Center for Indepe...
by cs412a
Fri Apr 06, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: JAMA article's health implications for asset allocation
Replies: 43
Views: 5716

Re: JAMA article's health implications for asset allocation

The article's major finding was that older individuals who experienced catastrophic financial setbacks were more likely to die compared to individuals who did not suffer these setbacks over a given time frame. This finding in itself doesn't seem surprising, but the authors were also able to determin...
by cs412a
Wed Apr 04, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 8908

Re: Want/need some income in semi-retirement

Local public library. I have seen a number of retired folks working at my local library. Generally they restock shelves and do other miscellaneous work. The pay is generally $1 to $2 above minimum wage. They also employ drivers to move books between locations. I second this as an option. One of my ...
by cs412a
Fri Mar 23, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 13396

Re: Losing friends/family when wealthy

While most of our peers were traveling and living it up, we lived with parents rent free. in For most of my life, people have perceived me and my family as the least wealthy and least successful. I was viewed by most of my family members as the one least likely to be successful. For most of my life...
by cs412a
Sun Dec 17, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 10202

Re: New job offer - background check

Another poster adding my voice to the posters who have urged the OP to get his record expunged (if possible) or sealed (if it can't be expunged). Even if it doesn't help right now, it will provide peace of mind in the future. I am not a lawyer. However, I currently volunteer at a legal aid office, a...