Search found 111 matches

by brandy
Sat Aug 11, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Insuring for sewer damage in a slab home
Replies: 14
Views: 1147

Re: Insuring for sewer damage in a slab home

There are two clean out openings in my (front) yard closer to the house than the street. They are in the line that carries water/waste from sinks and toilets to the main sewer. A few years ago the renters across the street (DEC 25!) had a plumber out after 8PM because of backed up toilet and mess in...
by brandy
Sat Aug 11, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Comfortably Retired and charity giving?
Replies: 25
Views: 1883

Re: Comfortably Retired and charity giving?

When you make the more personal donations, do you do it anonymously? For years I used postal money orders for my giving, with a phony name, so yes, anonymously, and never claimed it on taxes. I have one check account with just my name,(no address) which is relatively common, so still anonymous. I s...
by brandy
Sat Aug 11, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Comfortably Retired and charity giving?
Replies: 25
Views: 1883

Re: Comfortably Retired and charity giving?

I'm not really comfortably retired. I tithe every month, and have for years. The "pay as you go" plan, mentioned above.
I just checked the tax status of small local charities I give to, and had to search for the status. viewtopic.php?f=11&t=256218
by brandy
Sat Aug 11, 2018 5:35 am
Forum: Personal Consumer Issues
Topic: is it really a 501(C)(3) ?
Replies: 4
Views: 493

is it really a 501(C)(3) ?

I got to wondering if my little local tax-exempt organizations actually were tax-exempt, esp since the web-site for one went down this month, and the most recent update on another was a few years ago. I finally found these two websites: http://501c3lookup.org/# and https://greatnonprofits.org/ Maybe...
by brandy
Wed Aug 08, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Learning to Draw-Online course?
Replies: 8
Views: 582

Re: Learning to Draw-Online course?

WetCanvas has a wonderful free course, with help, in the DRAWING AND SKETCHING forum at http://www.wetcanvas.com/forums/forumdisplay.php?f=19 in the sub-forum area is the CLASSROOM. It starts with the basics and via various lessons, goes in several directions and levels. Overview: http://www.wetcanv...
by brandy
Mon Aug 06, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: trust papers
Replies: 2
Views: 540

trust papers

I restated my trust papers. Who gets a copy, and when?
Do I give a copy to primary beneficiaries, or trustees, or no one till after death?
Thanks
by brandy
Fri Aug 03, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: charitable giving
Replies: 4
Views: 313

charitable giving

For the last few months I have been bouncing around with part of my giving, prefering generally to donate to smaller local 501(C)(3) charities, but have also given to regional or national, but lesser known organizations. I want my money spent on the programs, but I also recognize there are operating...
by brandy
Sun Jul 29, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: LTC strategy: make health your hobby
Replies: 38
Views: 2934

Re: LTC strategy: make health your hobby

Great thread! I've already been "reminded" :happy and I'm not half way through. So I'll do better. :!: :wink: One thing that I strongly suggest is that you eliminate as many chemicals as you can from your personal care, laundry, home, and hobby and auto products as you can. The chemicals in common i...
by brandy
Thu Jul 26, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: hearing devices
Replies: 5
Views: 459

hearing devices

I didn't want to mix this with the hearing aids thread. Has anyone here tried any of the hearing "devices"? Magic ear, ampli ear,(now 3 levels) eargo, the German hearing aids, etc (Signia) Are they helpful? What do you have, and are you satisfied? Would you buy it again, or a different brand or model?
by brandy
Tue Jul 24, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: indoor houseplants--your advice?
Replies: 19
Views: 1394

Re: indoor houseplants--your advice?

Last year I bought an African Violet from HD. It had flowers at the time, which died, and it didn't bloom again. A friend gave me 5 more small ones, and eventually I transplanted 3 of them into larger pots. The three transplants look sad, so last week I googled for info re AF's. Seems to me from the...
by brandy
Sun Jul 15, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9997

Re: When does frugal cross the line to cheapskate?

If you are washing paper plates to re-use, you might be a cheapskate! My MIL uses plastic forks & knives. Then pops them in the dishwasher. Cheap? Or Frugal? I'm personally VERY frugal, basically out of necessity, real or perceived, except for some things, sometimes. I also go for somewhat better i...
by brandy
Sat Jul 14, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: thoughts on converting small pantry to 3/4 bath
Replies: 22
Views: 1328

Re: thoughts on converting small pantry to 3/4 bath

Have you considered having the sink area outside the shower/toilet area? That might give you enough room for a wider (walker/wheelchair) door.
by brandy
Fri Jul 13, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Tick Tubes and boxes. Permethrin Fipronil
Replies: 22
Views: 1892

Re: Tick Tubes and boxes. Permethrin Fipronil

Consider using food grade diatomaceous earth avoid inhaling DE, it is a lung irritant. DO NOT USE POOL GRADE DE. Buy it in bulk from a feed store (farm store) (not a pet store) I got a 50 pound bag years ago for about $22, compared to an 8 0z bag from a pet store for about $15. The feed store even o...
by brandy
Mon Jul 09, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Carpenter Bees- HELP!
Replies: 17
Views: 2108

Re: Carpenter Bees- HELP!

I had carpenter bees for years and spent a lot of time swatting them with a badminton racket. This year I got rid of them with a very simple and free trick! I stuffed a brown paper bag and hung it up to appear as a hornet's nest. The very next day the bees were gone. Over the next few or several da...
by brandy
Mon Jul 09, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3469

Re: What do you pay for home services?

I want someone to do what I want done, once or twice a month, including changing the bed, and full kitchen and bath cleaning, not just surface cleaning. At a price I can afford. If they would clean like that, what I want, beds, both baths, kitchen, and not just counter tops, $25 to $35, that would b...
by brandy
Mon Jul 09, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3469

Re: What do you pay for home services?

I did my yard work up to this year, I simply can't now, due to physical restrictions. (I'm not 101 yet, but ask me tomorrow... :( ) I also clean when I can, again, physical restrictions are partof my life, I would love to have a cleaner once, maybe twice a month. I wish I could find a househusband. ...
by brandy
Fri Jul 06, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to find reputable person for Will/Trust?
Replies: 45
Views: 3919

Re: How to find reputable person for Will/Trust?

My state has many state forms on line available through the public library system in my city. You might start there. Check with NOLO Press, they may have something. I called my local Council on Aging for names of attorneys who do wills and trusts. They sent me a paper with contact info for several E...
by brandy
Wed Jul 04, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Schedule B
Replies: 6
Views: 447

Re: Trust Schedule B

What information and items belong in Living Trust Schedule B? I Googled this (you can, too, for more information), and it seems that it's not uncommon for there to be a Schedule A that lists trust assets, and perhaps a Schedule B that directs disposal of assets to certain individuals/entities. Is t...
by brandy
Wed Jul 04, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Trust Schedule B
Replies: 6
Views: 447

Trust Schedule B

What information and items belong in Living Trust Schedule B?
by brandy
Wed Jul 04, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady
Replies: 18
Views: 946

Re: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady

That https://www.zappos.com/p/clarks-brizo-sammie-sand-perf-microfiber/product/8816426/color/667082?zlfid=191&ref=pd_detail_ext_search_v_2 looks like a pair that I had. Mine were Cobb Hill. Maybe I'll try those, or see if they still have the Cobb Hill. They were so comfortable. On my feet. I always ...
by brandy
Tue Jul 03, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady
Replies: 18
Views: 946

Re: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady

I just went to Zappos.com and searched Velcro Strap Ladies Sandals and got https://www.zappos.com/velcro-strap-ladies-sandals from there call 800-927-7671 to find the velcro straps. I got my last 3 pairs from them. Their customer service used to be wonderful, I haven't bought anything for a couple o...
by brandy
Tue Jul 03, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: cost or fee to use
Replies: 5
Views: 568

Re: cost or fee to use

lol! :oops: thanks...
by brandy
Tue Jul 03, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: cost or fee to use
Replies: 5
Views: 568

Re: cost or fee to use

A search engine to search people and public records, background checks, etc.
Maybe I should ask how much it costs...
by brandy
Tue Jul 03, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: cost or fee to use
Replies: 5
Views: 568

cost or fee to use

Is there a cost or fee to use beenverified? For one serch? For several? For many?
thanks
by brandy
Fri Jun 22, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: How do find a good doctor for chronic hives
Replies: 25
Views: 1378

Re: How do find a good doctor for chronic hives

+1 AND, it may not be just one item, chemical, fragrance. One item may cause one part of a reaction, other items may contribute to it too, increasing severity strength, or length of time it lasts. You said chronic, so maybe something you added a while ago. Before the hives. A do-able, and easy start...
by brandy
Fri Jun 22, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: family histories
Replies: 1
Views: 386

family histories

Do you journal?
Do you read journals and old letters--family members' histories, recent or years ago?

Do you plan to destroy your journal while you still can?
by brandy
Fri Jun 22, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: How do find a good doctor for chronic hives
Replies: 25
Views: 1378

Re: How do find a good doctor for chronic hives

antiqueman wrote: ↑
Fri Jun 22, 2018 10:28 am
Had same problem. Allergist solved problem. I take a certain shot monthly. PM and I will give you details
I too have a suggestion. PM me for information.
by brandy
Thu Jun 21, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 36
Views: 1425

Re: How to evaluate charities to donate to?

Is there a site anyplace to list, maybe by city, state or region, favorite smaller local charities? Is that something that can be done here, maybe even as part of this thread? There's 3 here in my area--southwest USA--1 helps a specific group of people, the other 2 are animal rescues. I think all th...
by brandy
Wed Jun 20, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 36
Views: 1425

Re: How to evaluate charities to donate to?

I donate anonymously using money orders and keep the receipts with the receiving organization noted. When I was able to, (over 25 years,) I did the same. Now, though my checks have my name, there is no other id, and they are sent without return address. No, I don't claim my giving on tax returns, n...
by brandy
Sun Jun 17, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Dremel Versa
Replies: 0
Views: 294

Dremel Versa

Anybody have a Dremel Versa? Most of the reviews seem to be from people who have been given one (I suppose by the company) to use and review. Seems buying replacement pads if you can find them is expensive. How do you use it, how often, for what, etc. Would you buy it again? Looks like it might be a...
by brandy
Sun Jun 17, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 17034

Re: Should I take possession of a certified mail?

Nice stamps--I DO use them.
I hope this fellow does respond,
BUT
I'm still hoping to get a response from the original poster about RUNNING WITH YOUR DOG by KT785
viewtopic.php?t=249152
last post there was May 11, 2018.
by brandy
Sat Jun 16, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5495

Re: What are your hobbies?

I have considered online learning, but I am a bit of a hermit and look for hobbies/activities that motivate me to engage with people face-to-face. One of my top priorities in retirement, right after "stay healthy," is "be socially engaged." I recognize I have to work to avoid becoming socially isola...
by brandy
Sat Jun 16, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5495

Re: What are your hobbies?

I'm learning to sketch, draw, and paint. I like graphite, and water soluble graphite, too. I do not use pastels due to the dust. Charcoal, minimally, occasionally. Charcoal dust is heavier. I don't use solvents with oil paint, just generally walnut oil. I'm beginning to like watercolor, but tend to ...
by brandy
Sat Jun 16, 2018 5:27 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5380

Re: A vehicle that "sits up" but can't afford CRV

Get a pillow.
I started driving wa-a-a-y back when, and have always used a pillow to sit "up".
In ALL of my vehicles.
by brandy
Thu Jun 14, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Home Sellers - do you read Buyer inspection reports?
Replies: 25
Views: 2268

Re: Home Sellers - do you read Buyer inspection reports?

I sold two homes, both FSBO. I not only had inspections done prior to the sales, I had them available on the kitchen counters for agents and potential buyers to read. Of course, they could get their own report, too. For the first house, the buyers relied on my report, which was clean, no problems or...
by brandy
Wed Jun 13, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Install different carpet styles/colors in same floor bedrooms?
Replies: 19
Views: 1035

Re: Install different carpet styles/colors in same floor bedrooms?

High end plush. Make me think "deep pile" from https://www.improvenet.com/r/costs-and-prices/plush-carpeting Usually all types are soil and stain resistant. This type of carpeting also has protective chemicals added to the surface of the fibers that work to repel stains caused from spills. These che...
by brandy
Thu Jun 07, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Is there a forum for legal matters?
Replies: 18
Views: 1915

Re: Is there a forum for legal matters?

I read forums to get other's thoughts, experiences, ideas, knowledge, viewpoints. I know little about so many things, forums are one way for me to get other people's thoughts and ideas, even knowledge about that subject I'm trying to learn about. I've gained a broader base on a few situations in thi...
by brandy
Wed Jun 06, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Is there a forum for legal matters?
Replies: 18
Views: 1915

Re: Is there a forum for legal matters?

One is
https://www.expertlaw.com/forums/forum.php

There must be others, google legal forums, or law forums
by brandy
Thu May 31, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Estate Planning roadblocks - ideas?
Replies: 18
Views: 1950

Re: Estate Planning roadblocks - ideas?

I'm in... a similar situation. ... once I'm dead the money won't matter to me. The only concern I have is to ensure it doesn't go to someone who doesn't deserve it. No one I'm directly related to, really needs to money ...). I've seen some nasty issues with friends and lawsuits from distant relativ...
by brandy
Wed May 30, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Estate Planning roadblocks - ideas?
Replies: 18
Views: 1950

Re: Estate Planning roadblocks - ideas?

I had contacted my county council on aging and asked for both elder law attorneys and for fiduciaries. They emailed and snail mailed both lists. I will be using a private fiduciary I think, and due to particular medical problems, asking a friend to be my medical advocate if/when needed. They asked m...
by brandy
Tue May 29, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: What is a reasonable amount of time to spend cleaning a house prior to showing
Replies: 17
Views: 1423

Re: What is a reasonable amount of time to spend cleaning a house prior to showing

Why not schedule many, most, all showings on ONE day a week, maybe Saturday 10:30 to 12:30? For however Saturdays are needed. Or even two days--Sat and Sun. Besides making cleaning times easier, another reason is when people see others are interested, that may spur activity. Put yourself in control ...
by brandy
Tue May 29, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Estate Planning roadblocks - ideas?
Replies: 18
Views: 1950

Re: Estate Planning roadblocks - ideas?

I cannot tell you how grateful I am to see this question. I'm in sort of a similar situation. I have pretty well finished my "NOW THAT I'M DEAD" BOOK. I am working on the final pages, actually regarding remains and such. The person I had named years ago to be executor/trustee told me a few weeks ago...
by brandy
Mon May 28, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2540

Re: Solid Raw wood from South Africa infestation?

If I were going to use the dryer for this, I would tie a couple of bath towels around the wood, and add a few more into the dryer. to protect the piece and the interior of the machine. I would probably use 2 dry cycles to be more sure. Does your oven have a low heat setting? Or can you control it --...
by brandy
Mon May 28, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: getting started with CDs
Replies: 15
Views: 1714

getting started with CDs

I think I'd like to put some money into CD Ladders. My local credit union doesn't have CDs, I don't know that I'm comfortable using on line banking--MY computer is not secure, and I know absolutely nothing about it. How does i t work? How do I send on-line banks the bucks? Seems I remember from a mo...
by brandy
Mon May 28, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2540

Re: Solid Raw wood from South Africa infestation?

With sawdust on the shelves it would seem that damage is a possibility. I've had the same softwood dressers for over 40 years and just this month saw what I think is insect damage in two of the drawers in one of them. From what I'm reading, either freezing for a few weeks, or heat treating, should k...
by brandy
Sun May 27, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: old kindle not responding
Replies: 3
Views: 486

Re: old kindle not responding

Thanks :happy
It was the 30 second press that did the trick. And I managed to get my book downloaded, and read a few pages.
by brandy
Sun May 27, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: old kindle not responding
Replies: 3
Views: 486

old kindle not responding

My old Kindle (basic) has been unplugged, unused, in a drawer for probably close to 2 years. Today I decided to add a book to it, and plugged it in a few hours ago. It started out with the line drawing of the battery, and the light was yellow. Finally it turned green, but it retains the battery draw...
by brandy
Thu May 24, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: I need some math help-calculating interest savings
Replies: 31
Views: 1699

Re: I need some math help-calculating interest savings

There's several mortgage calculators on line.
Hugh Chou has a few that might be helpful: http://www.hughcalc.org/index.php
Scroll down to his Mortgages and Loans section.
by brandy
Sun May 20, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Scholarships for elementary school education
Replies: 5
Views: 519

Re: Scholarships for elementary school education

Since the mom works at home, have they considered home schooling?
Google has links!