Search found 196 matches

by brandy
Fri Apr 05, 2019 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: terminate the lease of a tenant amicably
Replies: 28
Views: 2244

Re: terminate the lease of a tenant amicably

...Im thinking of offering them full deposit back and half off last month rent as long as they vacate within 3 months while leaving the unit in reasonable shape... [/quote] I would not offer "half off" (assuming prepayment of rent). I would offer full return of deposit and REFUND of last month's re...
by brandy
Tue Mar 26, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: yard service questions
Replies: 12
Views: 1098

Re: yard service questions

If you don't want to use a pool, fill it in with good soil and use it as a garden. Or just have it removed entirely. Hindsight is 20-20. Filling it in was the original intention. When I was finally ready to, the regulations were changed, and now it has to be completely removed. I guess there wasn't...
by brandy
Sun Mar 24, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Please suggest: A forum to discuss relationship problems
Replies: 14
Views: 2151

Re: Please suggest: A forum to discuss relationship problems

Good question, I too would like such a place. Miss Manners isn't it.
by brandy
Sun Mar 24, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: yard service questions
Replies: 12
Views: 1098

Re: yard service questions

strafe wrote:
Sun Mar 24, 2019 5:21 pm
No grass? Do you really need to hire someone? A ready to use jug of Roundup (glyphosate) costs $20 and will take care of your weeds for months. You can get an inexpensive water pump at Harbor Freight.
weeds, no grass. Can't do it anymore.
by brandy
Sun Mar 24, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: yard service questions
Replies: 12
Views: 1098

Re: yard service questions

Seems to me there are two distinct services here, one being yard service the other pool service. Are you sure you save money by asking the same person to do both? I drained the pool several years ago. Though I am in the desert, my (empty) pool gets rain water in it. If the rains are heavy and or se...
by brandy
Sun Mar 24, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: yard service questions
Replies: 12
Views: 1098

yard service questions

It's time for me to hire a yard service. I've never done this. What questions do I need to ask? Lot size 7,635 sqft house about 2000sq feet, 15x30 pool, plus apron. Yard area is all gravel, plus the area between sidewalk and street. two trees, one bush, a couple of cacti, and weeds. I had a man come...
by brandy
Sat Feb 23, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: words in trust to safeguard assets
Replies: 6
Views: 513

words in trust to safeguard assets

I'm old, my dd said I have about 5 years left, I said 20 years, some days I think I won't make it through that day, or the next few days and I'm not wealthy... At any rate she(early 40's) has me dead and buried, and plans to use what she thinks her inheritance will be on (what I think is probably) s...
by brandy
Tue Feb 12, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Black Fly Protective Head Gear
Replies: 16
Views: 1171

Re: Black Fly Protective Head Gear

google Tanglefoot and deer flies or, just Tanglefoot, and read the reviews.A lot tell of help with a variety of flies/insects in gardens and around people...
brandy
by brandy
Tue Feb 05, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: Water in Basement... $11k to fix... Need advice!!!
Replies: 35
Views: 3325

Re: Water in Basement... $11k to fix... Need advice!!!

Have you considered an underground slope? This is another tool to add to your solutions, and you can do it yourself. I did, with my handyman. Google it, but here's one link: https://www.greenbuildingadvisor.com/cad/detail/underground-water-barrier-retrofit-rubber-membrane My ~30 yo house was shiftin...
by brandy
Thu Jan 24, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust and Incapacitation AZ
Replies: 10
Views: 725

Living Trust and Incapacitation AZ

My successor trustee is of course, to take over after my demise, I think with Court permission. (Arizona) (is that correct?) Probably small estate rules, less than 500K. So Court permission may not be needed. If I am incapacitated does the trustee need the Court's permission to take over including a...
by brandy
Tue Jan 22, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 155
Views: 17697

Re: What have you baked recently?

All that bread sure is tempting. My grandmother lived with us, and I grew up on her home-made bread. :happy BUT now I'm on a low carb way of eating, and almost always am gluten, grain, and starch free. Last week I made/baked double recipes of cauliflower meatloaf, pizza toppings casserole, and zucch...
by brandy
Thu Jan 17, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Violin beginner tries an Irish tune, comments welcome
Replies: 8
Views: 817

Re: Violin beginner tries an Irish tune, comments welcome

Good job! You should be very proud of yourself. :beer Here's a little wine (not beer) to celebrate!
by brandy
Thu Jan 17, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: canvas floor cloths for kitchen
Replies: 3
Views: 438

Re: canvas floor cloths for kitchen

Why not make your own? google it, or here's a link: https://www.hgtv.com/design/make-and-ce ... floorcloth
Could be a fun family project!
by brandy
Sat Jan 12, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 10117

Re: Disciplined with finances, but not so with diet

Admittedly, I miss some of my favorite carbs - pizza, chips, potatoes. Maybe when I get to maintenance I can reintroduce some of those in limited amounts. I've been low carb high fat for some time. My biggest two areas for improvement are portion control and resistance to exercise due to other issu...
by brandy
Fri Jan 11, 2019 1:59 pm
Forum: Personal Investments
Topic: 17 mo CD
Replies: 1
Views: 332

17 mo CD

Saw this today, Jan 11, 2019. This may be the first day they put it up. Navy Fed. Credit Union https://www.navyfederal.org/assets/rates/view-all.php Special 17-Month Certificate (Share Only)1 $50 17 months 3.20% 3.25% 1 Limit one Special 17-Month Share Certificate per member. This offer, including t...
by brandy
Sun Jan 06, 2019 6:18 pm
Forum: Personal Investments
Topic: CDs short term, higher interest
Replies: 1
Views: 409

CDs short term, higher interest

Is there any place to get high interest rates on 3 or 6 month term certificates of deposit? Without having to do on-line banking, such as auto deposit, checking or savings accounts?
Right now I have 3 mo at .85 and 6 mo at 1.50APY, $1,000 minimum deposit.
brandy
by brandy
Sun Jan 06, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4534

Re: Retirees: any major goals for 2019?

I dabbled in trying to paint, but not very good. Started making jewelry and beading. Finally, stay joyful!!! 😊 I wanted to add this for budding artists: "The function of the overwhelming majority of your artwork is simply to teach you how to make the small fraction of your artwork that soars. --Art...
by brandy
Sun Jan 06, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Advice Regarding Out-of-Network Billing
Replies: 9
Views: 705

Re: Advice Regarding Out-of-Network Billing

But - back before that change, it was common for people coming in to specify, first thru their surgeon, and subsequently with any interaction with the hospital's surgery department, to specify that an anesthesiologist that accepted <your insurance> was required. I have that hand written on both my ...
by brandy
Sat Jan 05, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4534

Re: Retirees: any major goals for 2019?

...I dabbled in trying to paint, but not very good. Started making jewelry and beading. There's also a Wearable Art forum: All fiber artists, jewelry makers, and others who create wearable art forms are welcome here! http://www.wetcanvas.com/forums/forumdisplay.php?f=136 You don't have to join to r...
by brandy
Fri Jan 04, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4534

Re: Retirees: any major goals for 2019?

...I dabbled in trying to paint, but not very good. Started making jewelry and beading. I don't consider myself very good at painting or drawing, I am learning, as most people at WetCanvas are. (For me, it does take practice and patience!) Join us! There's also a Wearable Art forum: All fiber artis...
by brandy
Fri Jan 04, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4534

Re: Retirees: any major goals for 2019?

I've been retired for about 8 years and really like it... I was wondering if fellow retirees have any big plans or major goals for the upcoming year? I've always been interested in learning how to paint. I started painting two years before I completely retired. I ...plan on restarting this hobby. I...
by brandy
Tue Jan 01, 2019 12:50 pm
Forum: Personal Investments
Topic: annuity payout
Replies: 5
Views: 671

Re: annuity payout

I think I signed the original paperwork in mid 1980's. The only paperwork I think I have is a copy of what I signed. When working on my "NOW THAT I'M DEAD" book, I happened across it, and did call the employer. Now that I'm thinking of it again, and have read some financial info recently, some quest...
by brandy
Tue Jan 01, 2019 4:36 am
Forum: Personal Investments
Topic: annuity payout
Replies: 5
Views: 671

annuity payout

What happens to the unpaid dollars when the buyer of an annuity dies? Does the company keep it? Does it get paid to the estate somehow? What questions should I ask? I need to get information, but I don't know the questions to ask. Years ago I had part of my paychecks withheld and at the time of my d...
by brandy
Tue Jan 01, 2019 4:29 am
Forum: Personal Finance (Not Investing)
Topic: How to choose a rental property?
Replies: 10
Views: 1130

Re: How to choose a rental property?

You do not have to sign up to read and learn on biggerpockets, unless they've very recently changed. You could also set up a different email and sign up with it to maintain some anonymity.
by brandy
Sat Dec 29, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 43
Views: 4862

Re: Tips on preventative home maintenance?

Good lists, thanks. I see a few things that I need to have checked and repaired.

check/clear weep holes in window assemblies
boiling hot water down drains once a month
run empty dishwasher every 5-6 weeks or so w/bowl of vinegar inside
by brandy
Fri Dec 28, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Tips to Save without hassle
Replies: 32
Views: 2314

Re: Tips to Save without hassle

"Just being home for the holidays I noticed I probably saved about a hundred by not eating out for lunch every day or heading over to the coffee shop for a chai tea. Multiply that by 50 or so weeks in the year, that really adds up for a lot of extra expenses." After my son-in-law discovered all the...
by brandy
Fri Dec 28, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: brick-and-mortar vs online bank
Replies: 50
Views: 2720

Re: brick-and-mortar vs online bank

Notary publics (here, AZ and other states) are free at government offices. Call your city/county office. Maybe there's a branch office near you. Maybe a local politician keeps an office near you and also has a free notary. I quit banks several years ago when mine started charging fees. I more recent...
by brandy
Tue Dec 25, 2018 1:01 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 808
Views: 78662

Re: What frugal thing did you do today?

A few months ago I was given some fancy luncheon napkins. Yesterday and today I glued 5 napkins together for disposable bibs. I made 8 of them for a hostess gift for tomorrow. We'll use 4 tomorrow, she'll have 4 to use later.
by brandy
Sat Dec 22, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 808
Views: 78662

Re: What frugal thing did you do today?

"Recycled envelopes or not, paying bills by mail is extremely wasteful. Unless you're also recycling stamps." Like anything else, personal tastes rule! :happy I'm guessing you are referring to the cost of stamps. If anything else, please explain. :happy I have better knowledge of my financial situat...
by brandy
Thu Dec 20, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Burned Popcorn Smell - how to eliminate? products recommended?
Replies: 15
Views: 1734

Re: Burned Popcorn Smell - how to eliminate? products recommended?

When I have smelly foods sometimes a couple of sprays of just plain vinegar into the air removes a lot to ALL offensive odors. Give that a shot! :happy
by brandy
Thu Dec 20, 2018 4:23 am
Forum: Personal Consumer Issues
Topic: Pesticides for residence
Replies: 26
Views: 1704

Re: Pesticides for residence

"Termites are special, so I won't comment here on them." I successfully use food grade DE and boric acid (roach killer) around the base of my house against ground termites. I pull a bit of soil away from the foundation and lay a line of DE on the footing and against it in the dirt and follow with a ...
by brandy
Tue Dec 18, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 808
Views: 78662

Re: What frugal thing did you do today?

Just in case you're serious :sharebeer I almost always pay bills via recycled envelopes. (Some bills contain an envelope.) It takes a bit of time, but I have more of that, and I hate to waste. If there is a lot of writing on front, I toss them. Writing on back, not so bad. There are at least two kin...
by brandy
Fri Dec 14, 2018 8:34 am
Forum: Personal Investments
Topic: Taxes on interest income
Replies: 1
Views: 265

Taxes on interest income

I just bought several CDs, starting with 3 month terms, laddering to 24 month. I haven't had to pay state or federal taxes for several years--disabled, retired, no taxable income. The interest for the first year I think will be probably less than $2-300 if that much. I'm in Arizona. Will I have to f...
by brandy
Fri Dec 14, 2018 8:27 am
Forum: Investing - Theory, News & General
Topic: Navy Federal CD 40 month 3.75%
Replies: 4
Views: 972

Re: Navy Federal CD 40 month 3.75%

They also have a 24 month 3.00 apy https://www.navyfederal.org/assets/rates/view-all.php 24-Month Certificate (Share/IRA/ESA) $10,000 min deposit 24 months 2.96% 3.00% This offer, including the stated Annual Percentage Yield (APY), is effective October 8, 2018. Navy Federal reserves the right to end...
by brandy
Tue Dec 11, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 808
Views: 78662

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: 503

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: 808
Views: 78662

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: 14034

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: Personal Investments
Topic: tell me about BankUnitedDirect
Replies: 2
Views: 281

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: Personal Investments
Topic: tell me about BankUnitedDirect
Replies: 2
Views: 281

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: Personal Investments
Topic: what to ask ORG re CDs
Replies: 11
Views: 1072

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: Personal Investments
Topic: what to ask ORG re CDs
Replies: 11
Views: 1072

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: Personal Investments
Topic: what to ask ORG re CDs
Replies: 11
Views: 1072

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: Personal Investments
Topic: what to ask ORG re CDs
Replies: 11
Views: 1072

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: 6553

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: 6553

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: 6553

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: 6553

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: 6553

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: 2267

Re: Mouse in the house

how about a couple of the bucket traps, one in, one outside?