Search found 62 matches

by brandy
Sun May 20, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Scholarships for elementary school education
Replies: 5
Views: 441

Re: Scholarships for elementary school education

Since the mom works at home, have they considered home schooling?
Google has links!
by brandy
Fri May 18, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 5977

Re: Neighbor wants to use our land temporarily - let them or not?

Do you have any idea of what really is happening? If you can't get there, considering hiring a company called https://wegolook.com/ if you don't have someone there to look the situation over and report to you before you decide. I am not associated with them. Or, consider having the mowing service ta...
by brandy
Thu May 10, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Dog as Running Companion - Advice, Equipment, Training, Etc.
Replies: 23
Views: 1464

Re: Dog as Running Companion - Advice, Equipment, Training, Etc.

My "routine" when training Mira--a dog who worked HARD to understand and do what I asked of her: First, I had to determine what she wanted as a reward. She was more motivated by food than by toys, and going out was even better than food most of the time. For training, I would start at basic and very...
by brandy
Thu May 10, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Dog as Running Companion - Advice, Equipment, Training, Etc.
Replies: 23
Views: 1464

Re: Dog as Running Companion - Advice, Equipment, Training, Etc.

Her harness was from https://nordkyn.com/product/x-back-harness-5/ I got her a bright pink one so it was more easily seen with her long black hair. Do be careful of the fit--if it doesn't fit correctly, the dog can suffer. I suggest you get it from an outfitter, who will be aware of measurements, ra...
by brandy
Thu May 10, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Dog as Running Companion - Advice, Equipment, Training, Etc.
Replies: 23
Views: 1464

Re: Dog as Running Companion - Advice, Equipment, Training, Etc.

I am just SO envious of you! A very important point is that the dog must WANT TO RUN. Not all dogs do.. And then the proper training/conditioning so she is safe. My girl, a Belgian Sheepdog, was a mobility service dog. I trained her/she learned to heel on the left (come side) and the right (come by)...
by brandy
Wed May 09, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Build a retaining wall ?
Replies: 19
Views: 1422

Re: Build a retaining wall ?

I logged on to add my experience, but the former pretty much said it all: If you really want a retaining wall, it would be advisable to extend the downspout to drain beyond the wall, and not behind it. Or, you can route the downspout through the wall, from behind, if you like that look better. You m...
by brandy
Mon May 07, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 5925

Re: When to buy new underwear?

Coming from a different POV: HOW are they being washed and dried? Using fabric softeners of any kind both coat the fabric and shorten the life of fabrics. So, if fabric softeners/fluids or sheets etc are part of the equation, one might consider not using them when doing laundry of ANY kind. Use baki...
by brandy
Thu May 03, 2018 12:20 am
Forum: Personal Finance (Not Investing)
Topic: What do I need to consider when buying a home without real estate agents being involved?
Replies: 3
Views: 465

Re: What do I need to consider when buying a home without real estate agents being involved?

When you write the contract, be sure to include standard "walk away" clauses--contingencies: if you sell your house, if you can't get appropriate financing, if appraisal is lower than purchase price, physical problems with unit, etc. You and seller will probably use the title company's paperwork. Ge...
by brandy
Wed May 02, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: Do you sell or donate unused items?
Replies: 46
Views: 2706

Re: Do you sell or donate unused items?

I'm sure you've heard the old saw about nature abhorring a vacuum... :mrgreen: I passed on a large item--went to people that have use for it. Then passed on more stuff. Then got a call about an offer of craft stuff, sort of something I had ideas I might like to try my hand at. I expected, what I ori...
by brandy
Wed May 02, 2018 5:56 am
Forum: Personal Consumer Issues
Topic: electric shock hazard [opening a DVD player]
Replies: 11
Views: 1169

Re: electric shock hazard

whats does windy or raining have to do with it? Its not outside is it? Not that that would matter.. :D Due to circumstances beyond my control I have become a fragile hot house flower. Gentle breezes are wonderful (most of the time). Recent winds have been more rambunctious than gentle. And I really...
by brandy
Tue May 01, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: electric shock hazard [opening a DVD player]
Replies: 11
Views: 1169

Re: electric shock hazard

Thanks for your replies. I posted then went to do errands.
I'll see about opening it this weekend, outside, if it's not windy or raining.
by brandy
Tue May 01, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: electric shock hazard [opening a DVD player]
Replies: 11
Views: 1169

electric shock hazard [opening a DVD player]

I have an old dvd player I'd like to repurpose. It hasn't been plugged in for a few years. Of course a warning says DO NOT OPEN--ELECTRIC SHOCK HAZARD. NO USER PARTS. Can I open it without me being shocked?

(I unplug lamps to change the bulbs :( )
by brandy
Sun Apr 29, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Visiting OK and KS with family
Replies: 31
Views: 1762

Re: Visiting OK and KS with family

Sounds like your days are pretty well filled, but just in case, Roadside America has a tool to find the quirky landmarks along your route or in the cities and towns you pass through http://www.roadsideamerica.com/
Enjoy your kids and your trip! :beer (except, it's ROOT BEER! (kids, you know!)
by brandy
Sat Apr 28, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Learning about buying a home for complete beginner
Replies: 12
Views: 1381

Re: Learning about buying a home for complete beginner

As an example, here's a link to this thread: Just bought my first property and house hacking with a roommate! https://www.biggerpockets.com/forums/12/topics/562216-just-bought-my-first-property-and-house-hacking-with-a-roommate Do your due diligence, know yourself--can you, do you want to live with ...
by brandy
Sat Apr 28, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Do you sell or donate unused items?
Replies: 46
Views: 2706

Re: Do you sell or donate unused items?

We just had a brush and bulky collection. As part of that I donated a big item that I was given a few years ago that I never had opportunity to use. Then it snowballed. I started cleaning out a shed and now have more to pass on, and thanks to this thread, I have more to let go of. I generally use wh...
by brandy
Sat Apr 28, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: Lake Tahoe
Replies: 28
Views: 2334

Re: Lake Tahoe

Roadside America has a tool to find the quirky landmarks/odd tourist attractions along your route or in the cities and towns you pass through http://www.roadsideamerica.com/
Have fun!
by brandy
Fri Apr 27, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Learning about buying a home for complete beginner
Replies: 12
Views: 1381

Re: Learning about buying a home for complete beginner

Consider reading/studying at biggerpockets.com, a real estate forum that covers all aspects of buying.
best wishes to you.
by brandy
Mon Apr 23, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Family trip, Southwest USA
Replies: 27
Views: 2181

Re: Family trip, Southwest USA

For a summer trip- you will be happier if you stay away from Phoenix, Tucson, and southern New Mexico. That also reduces the total amount of driving, although it will still be a lot... Ditto! Stay farther north, and higher elevations. It will be hot, though not as hot as a few weeks later :happy He...
by brandy
Sat Apr 21, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 34
Views: 1968

Re: Medical alert "button"

Thanks for bringing this up. I have been sort of thinking about thinking about getting one of these. Falling is not part of the family history. I am of the age--or within shouting distance of it :mrgreen: that I might need some help... Another reason for hesitancy on my part is that they (probably) ...
by brandy
Wed Apr 18, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house... does this make sense?
Replies: 24
Views: 2422

Re: Expensive house... does this make sense?

"...This FEELS high but the math seems to work out, even if I'm picky with tenants and my vacancy rate is a bit high..." Living with a tenant you better be very picky, and adhere to ALL the rules. In California, evicting tenants is not easy. Before you take this step, read some of the TENANTS FROM H...
by brandy
Tue Apr 17, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4880

Re: realtor wants to show house to buyer, no listing agent for me

Seems like the "yellow letter" may have become a phone call. I got such a call a few minutes ago--"I have a buyer interested in your house. Are you interested in selling?"
Simple, unequivocal "no" and a hang up. :happy And I'm nowhere near a beach!
by brandy
Tue Apr 17, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Homebuyer buying a FSBO home, help!
Replies: 11
Views: 1058

Re: First Time Homebuyer buying a FSBO home, help!

I am a seller of two houses--FSBO. I never even sold Girl Scout Cookies before! My title insurance company sent me the paperwork to use. As SELLER, I had a home inspection done and did some of the needed work beforehand. The inspection report was left on the kitchen counter so interested parties cou...
by brandy
Tue Apr 17, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: help! I want to treat heirs equally
Replies: 38
Views: 5392

Re: help! I want to treat heirs equally

Spend all your money before you pass!... Pre-pay your funeral. At your death, they can fight over your overcoat and shoes. Leave no inherit to heirs is the best way to treat them equally. [/quote] Until 2:00 PM today, I had it pretty well figured out--at least to my satisfaction. Then the phone ran...
by brandy
Tue Apr 17, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Donate or give-away scooter?
Replies: 9
Views: 851

Re: Donate or give-away scooter?

I was advised to NOT buy a scooter 3 or more years old, because parts were hard to come by. I never did buy one at all. However, rather than giving it to someone, why not donate to a local charity that does sell/give them to folks who need them. In My city, World Care and a few other organizations d...
by brandy
Thu Apr 12, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Community
Replies: 11
Views: 935

Re: Assisted Living Community

I have much less in income and for a much shorter time than you do, and no way to alter that. Due to multiple chemical sensitivity, I cannot go into any facility. I may be able to take advantage of some of the social programs available locally. I can get groceries and drugs delivered within a day o...
by brandy
Thu Apr 12, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living Community
Replies: 11
Views: 935

Re: Assisted Living Community

... I'm not worried about the first couple of years, but after about 10 years and my fixed income, I just don't think I can do it. Would anyone care to offer an opinion? ... I've done quite a bit of maintenance on my own property and would love to get away from that responsibility.... Thoughts? My ...
by brandy
Thu Apr 12, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: DIY trust word placement
Replies: 16
Views: 920

Re: DIY trust word placement

Just to let you know I haven't yet disappeared. I have been working to resolve this. To the OP, I reread the entire thread. Maybe some clarification could help. 1) Do you have someone who you have specifically identified to do the things like take control of the bank account and make sure the house ...
by brandy
Mon Apr 09, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 8255

Re: Effect of spending money on appearance in career

Honestly, notmyhand, before I went and revamped myself I would have a heart-to-heart with my manager. "Usually people in my position are promoted after six months. Can we talk about what metrics for promotion I've fallen short on and what targets I'd have to meet for promotion?" I think at this poi...
by brandy
Mon Apr 09, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 41141

Re: Name something you had to have and now you regret purchasing it?

I didn't buy a house with a pool. I bought a house. It has a pool. ...But, I started using it, finally started enjoying it, then due to circumstances, emptied it. Here, some people--including me, maybe are boarding up the pool, (sump pump then covering it with a deck) and using it for other things,...
by brandy
Sun Apr 08, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 41141

Re: Name something you had to have and now you regret purchasing it?

House with a pool. Since I stink at maintaining it and turned the water green we hire out for $170/month ($2040/yr) plus incidentals ranging from $50-$200/yr. In the last 5 years we had to re-line the pool and replaced the motor costing about $10k plus the extra electricity I figure in these 5 year...
by brandy
Sun Apr 08, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Cruise or other vaca ideas for Dad w/13yr old twin boys?
Replies: 36
Views: 2421

Re: Cruise or other vaca ideas for Dad w/13yr old twin boys?

camping a bit, fresh water, etc Introduce them to adventure: Consider some of Maine's state parks and public lands for camping, hiking, boating, etc, http://www.stateparks.com/maine_parks_and_recreation_destinations.html or national park, or wildlife refuges https://visitmaine.com/things-to-do/parks...
by brandy
Sun Apr 08, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 3798

Re: Active Adult Retirement Communities

A friend is having a house built in Academy Village, http://theacademyvillage.com/ southeast of Tucson.
You mention dry heat. Be aware there is a monsoon season, http://arizonaexperience.org/land/arizo ... oon-season.
by brandy
Sun Apr 08, 2018 2:04 am
Forum: Personal Finance (Not Investing)
Topic: DIY trust word placement
Replies: 16
Views: 920

Re: DIY trust word placement

I used Nolo's book for my trust. It's possible and important to keep things simple. Your daughters should be beneficiaries, not trustees. You can use a corporate entity as successor trustee; like USAA's trust services... or someone trustworthy. The successor trustee sells the house, if you like, bu...
by brandy
Sun Apr 08, 2018 12:38 am
Forum: Personal Finance (Not Investing)
Topic: DIY trust word placement
Replies: 16
Views: 920

Re: DIY trust word placement

The reason all this even came up: I was in the bank a couple of weeks ago to open two accounts, and the manager pulled up my trust abstract. I saw he had an old copy, so I planned to take him a recent one. As I read through it (already 12 years old :oops: ) I saw IT needed a revision or three. THEN ...
by brandy
Sun Apr 08, 2018 12:29 am
Forum: Personal Finance (Not Investing)
Topic: DIY trust word placement
Replies: 16
Views: 920

Re: DIY trust word placement

I have very little besides the house and a few pennies which may, in fact, disappear due to need. My "now that I'm dead" letter :shock: includes agencies and contact info for notifications and every thing I can think of, or have been on "lists" to include. As for the rest, the kids are directed to k...
by brandy
Sat Apr 07, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: DIY trust word placement
Replies: 16
Views: 920

DIY trust word placement

I'm updating my (DIY) trust and, thanks to the book BEYOND THE GRAVE if I use co-trustees (my 2 DDs) and what Condon (author) calls a “money manager (MM)” I can resolve three situations that I had no idea how to handle. But where, and what words do I use to insert “money manager” and is that person ...
by brandy
Sat Apr 07, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Wills and Trusts - Things to consider?
Replies: 11
Views: 801

Re: Wills and Trusts - Things to consider?

In my state, my revocable living trust becomes irrevocable when I die.
Probably yours, too.
by brandy
Fri Apr 06, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: help! I want to treat heirs equally
Replies: 38
Views: 5392

Re: help! I want to treat heirs equally

To me, that sounds rational.

Is there any way that one or more can contest and cause the others to spend bucks defending?
by brandy
Fri Apr 06, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Any advice for 1st time landlord
Replies: 42
Views: 3416

Re: Any advice for 1st time landlord

Know your state's landlord tenant laws and read or have as a reference Landlording by Leigh Robinson. The most important thing is screen, screen, screen. Read some forums like mrlandlord.com or the book referenced above to understand how to properly do this. This will help you avoid 95% of the prob...
by brandy
Fri Apr 06, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: help! I want to treat heirs equally
Replies: 38
Views: 5392

Re: help! I want to treat heirs equally

I don't think anyone else said this yet and it came to me...... Spend all your money before you pass! Lease Ferraris, sell the house and rent, take plenty of trips, buy an SPIA with no death benefit, eat at the best restaurants, go see big time car races and sports games and concerts. Pre-pay your ...
by brandy
Fri Apr 06, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: help! I want to treat heirs equally
Replies: 38
Views: 5392

Re: help! I want to treat heirs equally

I want to thank those who suggested BEYOND THE GRAVE. I'm about half way through, and have possibly found the answers to two pressing situations. Now to update my trust to include them, and see how it works.
by brandy
Fri Apr 06, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Any advice for 1st time landlord
Replies: 42
Views: 3416

Re: Any advice for 1st time landlord

Have you considered using an accountant or CPA for the financial part?
by brandy
Thu Apr 05, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 2008

Re: 1st World Problem - Pet Insurance

possibly not even relevant, since this was long ago, and I would think that insurance policies have probably changed: I had a service dog, and that subject came up with some frequency. It was generally recommended that we do not buy insurance due to all the details and exclusions, but rather than se...
by brandy
Sun Apr 01, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: [Estate tax] on savings accounts?
Replies: 19
Views: 971

Re: [Estate tax] on savings accounts?

The beneficiary is in Indiana.
by brandy
Sun Apr 01, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: [Estate tax] on savings accounts?
Replies: 19
Views: 971

Re: [Estate tax] on savings accounts?

Thanks for re-titling and correcting terminology. I never died before, so I didn't know. :happy Thanks too for the information. The total value of my estate is below a million. The bank account I'm asking about is NOT part of the trust. These little insurance policies (~3K each) are part of previous...
by brandy
Sun Apr 01, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: [Estate tax] on savings accounts?
Replies: 19
Views: 971

[Estate tax] on savings accounts?

I have a bank account in a living trust. I just transferred some money into a different account, one not in the trust, that has a specific beneficiary (B). The beneficiary does not know of it yet. When I die, it's to go to the B. Will it be taxed, and how? I also have two small insurance policies, b...
by brandy
Sat Mar 31, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Does agent get paid if property taken by eminent domain?
Replies: 13
Views: 1869

Re: Does agent get paid if property taken by eminent domain?

One of the oldest, largest RE companies in my area had those clauses in their sales contracts--the eminent domain one and the one that their agent gets commission if prop sold within 180 days to someone who saw newspaper or print ads, the Realtor's sign in the yard of the property or "any indirect" ...
by brandy
Fri Mar 30, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: When did you know your kids would go to college?
Replies: 91
Views: 4313

Re: When did you know your kids would go to college?

From a totally different place: I knew my DD1 would go to college two days after high school graduation. I knew DD2 would go, near the end of her senior year... Part of our story, told because it's important to know there are many roads, and surprises along the way: 1) Is your retirement fully-funde...
by brandy
Thu Mar 29, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Letter to your beneficiaries / heirs "In case I croak"
Replies: 11
Views: 1128

Re: Letter to your beneficiaries / heirs "In case I croak"

I'm working on this now. In fact, it's one reason I found this forum. I was updating my trust papers, and here in this forum I found a couple of lists, and decided to be more precise. I will write the letter, as well as putting items in a notebook. A few days ago I thought I needed a roll-a-dex, and...