Search found 162 matches

by brandy
Tue Dec 11, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 513
Views: 52279

Re: What frugal thing did you do today?

Today I went out and sprayed the weeds along the street. Most of these were young enough this application will kill them. I am mixing another another batch of the solution in case I need to hit them again. (If we have another rain, there may be more weeds.) Now I won't have to have the yard man unti...
by brandy
Sat Dec 08, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: Paintbrush cookies without eggs
Replies: 3
Views: 423

Re: Paintbrush cookies without eggs

They were called "Cookie Canvases". :happy My kids loved making--and eating them too. I think I got the recipe from Sunset Magazine. MY recipe called for rolling the dough onto an ungreased sheet then cutting whatever shapes, square, rectangular, rounds, whatever, (removing the excess) then baking. ...
by brandy
Fri Dec 07, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 513
Views: 52279

Re: What frugal thing did you do today?

Yesterday I saw the weeds along the street that I am responsible for. I haven't been out for a while and they are there again... :oops: :( :( Today I prepared my weed killer: vinegar, all the salt it would dissolve, and a healthy dash of liquid detergent in a spray bottle.) I plan to use it and tabl...
by brandy
Thu Dec 06, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: Murder Mystery Authors
Replies: 117
Views: 13716

Re: Murder Mystery Authors

Absolutely Louise Penny! Harry Kemelman's Rabbi stories Paul Doiron Mike Bowditch series R.E. Donald Highway mysteries CJ Box'es Joe Pickett stories I started one of his other ones, it was too much for me. Craig Johnson Longmire stories I don't like a lot of blood, guts or gore. These authors have s...
by brandy
Mon Nov 26, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: tell me about BankUnitedDirect
Replies: 2
Views: 254

Re: tell me about BankUnitedDirect

I googled it, and understand perhaps why there hasn't been an answer yet: "...A New Internet Bank, BankUnitedDirect, Makes Its Debut - 9/27/2018. ... :oops: continues: "BankUnitedDirect (new internet division of BankUnited) has an Online Money Market that ..." Florida based "BankUnitedDirect’s websi...
by brandy
Mon Nov 26, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: tell me about BankUnitedDirect
Replies: 2
Views: 254

tell me about BankUnitedDirect

Does anybody know anything about BANKUNITEDDirect?
The rates on CDs is appealing-12 mo $1000 minimum 2.70 APY

thanks
brandy
by brandy
Thu Nov 22, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: what to ask ORG re CDs
Replies: 11
Views: 1040

Re: what to ask ORG re CDs

:sharebeer
thanks!
I figured as much, but needed to ask.

brandy
by brandy
Thu Nov 22, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: what to ask ORG re CDs
Replies: 11
Views: 1040

Re: what to ask ORG re CDs

While reading about depositing funds for certificates of deposit, I came across asset forfeiture. "...All you have to do to capture the IRS' attention is make multiple large deposits that are less than $10,000 in your account...Banks that get deposits of more than $10,000 have to report those deposi...
by brandy
Mon Nov 19, 2018 7:09 am
Forum: Investing - Help with Personal Investments
Topic: what to ask ORG re CDs
Replies: 11
Views: 1040

Re: what to ask ORG re CDs

Thanks. Ally's rates are better than the credit unions. :?: Taxes. Is the interest taxable? That also shows my lack of knowledge. I'm learning... :confused on edit: Who/what is BANKUNITED? https://www.bankuniteddirect.com/high-yield-cds?gclid=EAIaIQobChMIluPGm7bg3gIVBBx9Ch0DpQixEAAYAyAAEgLWifD_BwE T...
by brandy
Sun Nov 18, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: what to ask ORG re CDs
Replies: 11
Views: 1040

what to ask ORG re CDs

I hope to invest in a few short term (6 to 24 month) CDs. I recently bought some with major help from a friend. (He did all the work, I listened.) Now I want to invest in some high yield CDs from another bank/credit union. What questions do I ask when I make that 800# call? One CD I just got is 24 m...
by brandy
Sat Nov 17, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6339

Re: Cremation seminar – with complimentary lunch

"Personally I am going for an organic burial. Wrap me in a shroud and bury me in the forest somewhere. Plant a few trees to mark the spot."

In some places it is. There is at least one mortuary nearby that does that.

https://greenburialcouncil.org/find-a-provider/
by brandy
Sat Nov 17, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6339

Re: Cremation seminar – with complimentary lunch

If you are an organ donor the medical schools/body donation programs may not accept your body. Remedy? Remove your name from driver's license etc. You'd probably have to contact your licensing agency, motor vehicles. I checked the amount on my check to the crematorium. It's less than $600. :oops: I...
by brandy
Sat Nov 17, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6339

Re: Cremation seminar – with complimentary lunch

If you are an organ donor the medical schools/body donation programs may not accept your body. Remedy? Remove your name from driver's license etc. You'd probably have to contact your licensing agency, motor vehicles.
I checked the amount on my check to the crematorium. It's less than $600.
by brandy
Fri Nov 16, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6339

Re: Cremation seminar – with complimentary lunch

We all need to dispose of our earthly remains, but we do not all need funerals. I recall our family spent a fortune (maybe $10k) when my Dad passed in 1989, but we had a Catholic second wife to negotiate with. When my Mom passed a few years ago, her much older, wiser, and cheaper children price sho...
by brandy
Fri Nov 16, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6339

Re: Cremation seminar – with complimentary lunch

Their website says it's up to 44% less than a burial. I don’t a want free dinner or lunch that badly but if went, the first question I’d ask is why isn’t much cheaper? I’m definitely doing the cremation thing for myself when the time comes but I’m going to shop around. Last year I applied for a "Wi...
by brandy
Thu Nov 15, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 32
Views: 2202

Re: Mouse in the house

how about a couple of the bucket traps, one in, one outside?
by brandy
Thu Nov 15, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9944

Re: Granddaughter needs $ help for university

Just a reminder to middle aged adults co-signing for student loans. If you're left to pay federally insured student loans and don't pay them off, the Social Security Administration will deduct up to 15% of your SS monthly payment to recoup the dollars you didn't pay back. Although their income is s...
by brandy
Tue Nov 13, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 27
Views: 3880

Re: Flooring for home gym

consider using natural cork planks. Whatever you do choose be very aware of new symptoms of any kind in you or members of the house. The outgassing flooring can/might cause physical problems, social, mental, whatever, from simple sniffles or rash to brain fog, comprehension problems, mood changes, e...
by brandy
Tue Nov 13, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4086

Re: tipping for grocery delivery

I just opened a "How was your order on (date)?" email from the grocer/instacart. No place for a comment, or even a fill in dot range. There is a bullet list and a list of 5 tip options: none (checked) to other. Add tip 100% of tips go to your delivery person Tips are always optional You can change y...
by brandy
Mon Nov 12, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: How to get rid of palmettos [Palmetto bugs]
Replies: 15
Views: 2244

Re: How to get rid of palmettos

^ +1 Though the boric acid powder (relatively inexpensive at home depot) works very well by itself, I use a mix of it and a small bit of sugar or cocoa and maybe, food grade diatomaceous earth, which kills a different way. I put it on a piece of paper, or plastic lid, under fridge, back of cabinets ...
by brandy
Mon Nov 12, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10886

Re: Favorite "free stuff"?

We have "brush and bulky" collection twice a year. City sends notices to have items where garbage is picked up by a certain early AM Monday date, the city collects it during that week. Several pairs of men in trucks with or without trailers drive through through the neighborhoods days prior taking f...
by brandy
Sun Nov 11, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4086

Re: tipping for grocery delivery

I do not think THAT delivery was via instacart. They do have a different delivery system that IS via instacart. Do you recall what she was paid per hour? Did she pick product AND deliver it? I'm particular, too. I do not want substitutions. There was a substitution link I think for each product. I d...
by brandy
Sat Nov 10, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4086

Re: tipping for grocery delivery

My God, people. They are pulling all the items according to your notes (green bananas for example, driving them to your home and bringing your groceries into your kitchen for you! Give them a couple bucks. If you don’t want to tip someone who is saving you time and effort, just go to the store your...
by brandy
Sat Nov 10, 2018 6:25 am
Forum: Investing - Help with Personal Investments
Topic: getting started with CDs
Replies: 16
Views: 2182

Re: getting started with CDs

update: though it's taken a while, I want to thank you all. I did buy some CDs. Twenty four month at 3% and sixteen month at about 2.5. Thinking about getting a shorter term one.
by brandy
Fri Nov 09, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Kitchenware Plastic Alternatives
Replies: 9
Views: 920

Re: Kitchenware Plastic Alternatives

I've used glass jars--peanut butter jars--to drink out of, for years. Are those safe to microwave?
I have a set of OLD glass dishes. Are those safe to microwave?

what happens to zapped dishes that are not safe in the microwave, as they are being microwaved?
by brandy
Thu Nov 08, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4086

Re: tipping for grocery delivery

Thanks for your input. I tip $5. I'm sure these delivery people are paid dirt, and they work hard. I buy 10 pound bags of kitty litter, 12 can packs of Coca Cola, etc. and it's about fifty feet from their truck to my door. If they earned decent salaries, I would not tip. The fact is, almost anyone w...
by brandy
Wed Nov 07, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: diamond appraisals
Replies: 3
Views: 463

diamond appraisals

Thinking of having a diamond appraised. IIRC, the appraiser talks about the color, clarity, cut, and carat weight, but no diagrams or proportions. Is it worth the money for a GIA report? Why do people get them, what good are they? I had thought of having a number etched on it, too, but if stolen, it...
by brandy
Wed Nov 07, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4086

Re: tipping for grocery delivery

I know, but sometimes it is the best thing to do all around. I'm grateful it's available when I do use it. One item I paid $28.39 for, the in-store price label says $22.70. Price difference of $5.69. It's the only product that had it's own label. Figuring an average of +$3 an item, that was a bit un...
by brandy
Wed Nov 07, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4086

tipping for grocery delivery

For the past 3 years I've occasionally had (on-line) grocery delivery through a national chain. Their FAQs state their drivers do not accept tips. I get a paper receipt/shopping list with the goods. Last week I ordered from a different company, all ordering and receipts are on-line. I did not plan t...
by brandy
Sat Nov 03, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1796

Re: Credit card Surcharges

My CU isn't too far away, I can get needed money as needed.
Brandy
by brandy
Sat Nov 03, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1796

Re: Credit card SurCharges

:idea: That is an idea, maybe I'll do that for some things--including auto repair. I have my checks printed with just my name. They know where I live. :|
by brandy
Sat Nov 03, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1796

Credit card Surcharges

My auto mechanic shop is now charging me (and I suppose other customers) to use a credit card. I have used this shop for about 6 years, through 4 managers, but the same owner. I had a repair done a few days ago. When completed, I was asked how I would pay for it. I have always used a credit card, bu...
by brandy
Sat Nov 03, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Tick Prevention for Dogs
Replies: 10
Views: 672

Re: Tick Prevention for Dogs

FOOD GRADE DIATOMACEOUS EARTH https://www.dogsnaturallymagazine.com/5-easy-uses-of-diatomaceous-earth-for-your-dog/ 1. Flea and Tick Control On the microscopic level, diatomaceous earth resembles bits of broken glass. Though food-grade DE is harmless to humans and animals, those itty-bitty glass-lik...
by brandy
Wed Oct 24, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Vehicle to vacation w/dogs (staying in hotels/VRBOs)
Replies: 32
Views: 2496

Re: Vehicle to vacation w/dogs (staying in hotels/VRBOs)

Have you considered a climate controlled dog kennel? One brand at least is marketing them to business' to set outside their door for your reason--to help visitors be comfortable with leaving their dog outside, while clients/tourists go inside. I don't remember the brand, I wonder if that would work ...
by brandy
Wed Oct 24, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3471

Re: When do you need a hearing aid

Oct 24. I'm reading in my study, the only noise is from the computer a few feet away, and a running O2 concentrator, about 15 feet away. I suddenly looked up at hearing a TAP-tap, TAP-tap, TAP-tap, sound, and realized it is a ticking clock! (about 10 feet away.) Surprise, surprise! I immediately tur...
by brandy
Sun Oct 21, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3471

Re: When do you need a hearing aid

As a result of reading this thread, I made an appointment w/Costco, 2 weeks from now. I also made the home remedy for earwax, though I did not think that was a problem. I had my ears checked a few years ago, and I wasn't aware of much change in hearing since then, and wax was not a problem then. The...
by brandy
Sun Oct 14, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 19
Views: 2101

Re: Bed bug problem attack plan

Consider using food grade Diatomaceous earth. google food grade diatomaceous earth and bedbugs. Probably available cheaply at your local large animal food store. I bought 50 pounds of it several years ago to use against termites, I think for about $25, and they even poured 1/2 the sack into another ...
by brandy
Sun Oct 14, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2748

Re: Making Winter Camping more comfortable

... Dress for the occasion and you'll never be cold. Absolutely dress for the occasion, temps, and activity. Here are links to possible hiking gear and head/face warmers. https://www.sadanduseless.com/funny-crochet-menswear/ https://www.sadanduseless.com/stay-warm/#more-63025 The next link is to ch...
by brandy
Sun Oct 14, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3244

Re: Reducing overall medical costs. Do we do anything?

My H, my kids and I also have chronic medical conditions thru nothing we or any of our many MDs can figure. We are all close to ideal weight, eat well, rarely partake of alcohol, have never dabbled in drugs or tobacco, etc. ...snip... Eliminate as many chemicals as you can from your bodies, your ho...
by brandy
Mon Oct 08, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: roof leak thread
Replies: 7
Views: 914

roof leak thread

Not long ago there was a thread re leaking roof and ways to find the leak. Can anyone direct me to it? I have a friend--lady, widow, 86 yo--had her house re-roofed 2 years ago, now has wet spots in ceilings in two rooms. Roofer was out a few days ago, couldn't see any errors they made, wet spots are...
by brandy
Fri Oct 05, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: New Snowbird- Tucson AZ
Replies: 21
Views: 3388

Re: New Snowbird- Tucson AZ

Depending on time of day, weather and elevation, AZ does have cold weather at times. Bring jackets, hats, gloves with you, especially if you might go higher --into the mountains--or lower--into caves. It gets cold overnight, too.
by brandy
Wed Oct 03, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: Goat Milk Soap
Replies: 26
Views: 1904

Re: Goat Milk Soap

I haven't yet tried these, and have no monetary interest in the company. Full disclosure: I "know" this person because she sometimes posts on another forum I use. I had planned to buy some, but was recently able to get fragrance free soap locally.
https://soapsbysunrise.weebly.com/
by brandy
Wed Sep 26, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: $19 a a month, .63 a day
Replies: 11
Views: 1493

$19 a a month, .63 a day

Just saw ANOTHER ad --give us just $19 a month!
What is it about $19 a day that many charities ask for? Sixty three cents a day?
What's so magical about those two numbers?
by brandy
Thu Sep 13, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3377

Re: How to help teenager fix silly mistakes in math?

This might be a perceptual processing disorder. Consider Irlen Syndrome https://irlen.com/what-is-irlen-syndrome/# . It is a problem with the brain’s ability to process visual information and affects many areas, including academic performance, reading/comprehension, math computation, etc, and there ...
by brandy
Wed Sep 12, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3209

Re: Remodel for aging in place

I want an elevator in my house now. Do I have to wait until I am a senior citizen? ;) [/quote] Nero Wolfe would say “definitely not”. HA! a Nero Wolfe fan! I was looking at my stack of books this morning thinking I might start on them again. It's been years. HE had a real reason (a couple of them) ...
by brandy
Wed Sep 12, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3209

Re: Remodel for aging in place

One thing to add is a combination lockbox with your house key in it so that if you need to have someone come over to check on something you can just give them the combination over the phone to allow them to get into the house. I have had one of these on my house since we had grade school kids and i...
by brandy
Wed Sep 12, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5296

Re: Advice on how to deal with barking dogs

I used to live in a rural area with low population. For the entire time--over 10 years I lived there, the area was quiet day and night, with the exception of construction or the occasional chain saw on firewood. A new house was built about .1 mile from me, I could see part of it through trees. The n...
by brandy
Tue Sep 04, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Home-spun Weed Killers
Replies: 21
Views: 1636

Re: Home-spun Weed Killers

Salt ruins the ground for growing anything forever. That seems to be the whole point when your yard is gravel. It IS the point. :D But, in the case of the 3 strips (1 between the base of the block fence and sidewalk, sidewalk and street, and between the sidewalk and street on the other side of the ...
by brandy
Tue Sep 04, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Home-spun Weed Killers
Replies: 21
Views: 1636

Re: Home-spun Weed Killers

I'm in the desert southwest. My yard, like most others here, is gravel. I use several strategies. My house is on a corner, I have three strips between house and street. Because people and pets pass by, I used to use corn gluten on them, because it's advertised as immediately safe. Over the last seve...
by brandy
Wed Aug 29, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Body language coach?
Replies: 26
Views: 2970

Re: Body language coach?

I am considering finding a coach to help me learn not to be so soft spoken and to be more outgoing and charismatic. I know I do odd things like not know what to do with my arms when speaking to someone above me and all of these small body language things need fixed. I always thought there should be...