Search found 303 matches

by shell921
Wed Aug 21, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Moving from Del Sur to Clairemont/Bay Ho - San Diego
Replies: 3
Views: 248

Re: Moving from Del Sur to Clairemont/Bay Ho - San Diego

LESS fire danger in Clairemont area!
by shell921
Wed Aug 21, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Budget for a new professional out of college
Replies: 22
Views: 1218

Re: Budget for a new professional out of college

The 50/20/30 Rule (or 50/20/30 Budget) tells you to do the following: 50% of your income should go to essentials like food and shelter 20% of your income should go directly to savings or investment accounts 30% of your income is left over to spend on whatever you want This is a general rule and will...
by shell921
Tue Aug 20, 2019 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Is my advice to my cousin correct ?
Replies: 31
Views: 3243

Re: Is my advice to my cousin correct ?

Interesting that a fireman and a teacher can afford a $1.1 million home. Well done, you guys. Owners who bought homes in our neighborhood from the original developer (about 35 years ago) have seen appreciation of over 4 times the original value. So the fireman and teacher could have paid $270,000 f...
by shell921
Mon Aug 19, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is my advice to my cousin correct ?
Replies: 31
Views: 3243

Re: Is my advice to my cousin correct ?

delamer wrote:
Mon Aug 19, 2019 2:48 pm
Is she doing this savings after adjusting for the loss of income following her husband’s death?
YES-!!
by shell921
Mon Aug 19, 2019 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is my advice to my cousin correct ?
Replies: 31
Views: 3243

Re: Is my advice to my cousin correct ?

Interesting that a fireman and a teacher can afford a $1.1 million home. Well done, you guys. Owners who bought homes in our neighborhood from the original developer (about 35 years ago) have seen appreciation of over 4 times the original value. So the fireman and teacher could have paid $270,000 f...
by shell921
Mon Aug 19, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is my advice to my cousin correct ?
Replies: 31
Views: 3243

Re: Is my advice to my cousin correct ?

Thanks all who've replied. Yes her pensions are indexed for inflation, as are mine. I believe she uses PART of her extra "left overs" to pay irregularly-times expenses like property taxes and insurance. PART but not all. "What about really lumpy expenses like a new car or major home maintenance? You...
by shell921
Mon Aug 19, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is my advice to my cousin correct ?
Replies: 31
Views: 3243

Is my advice to my cousin correct ?

My cousin is 5 years younger than I am-she is 65. She's a recent widow. I am a widow of 5 years - neither of us have adult children. Her departed husband was a fireman and she is a retired teacher -like me - so we have our own pensions and a percentage our deceased husband's pensions. She owns a $1....
by shell921
Sun Aug 18, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 4387

Re: Brown Bag Lunch Ideas

Leftovers of all kinds

rice, beans, veggies in a bowl - a favorite is to put shredded cabbage with rice and beans and celery and carrotts and take
some dressing to put on when time to eat

fruit
by shell921
Sun Aug 18, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Life Advice: deciding what you want to do.
Replies: 49
Views: 4355

Re: Life Advice: deciding what you want to do.

Sandtrap wrote:
Sun Aug 18, 2019 1:42 pm
Everything seems easy when living an easy life until it is not.
Take a school break. Get any job. Pay rent and expenses. Experience the world a bit for better context.
J
+1

And do not aspire to be a politician. They are not admired !
by shell921
Sun Aug 18, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Transferring a house & tax issues
Replies: 26
Views: 1213

Re: Transferring a house & tax issues

Seek advice from an attorney who specializes in wills and trusts.
by shell921
Mon Aug 12, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 126
Views: 15887

Re: Are you a "solo ager?"

I recently went to a "preview party" of a senior living facility being built near me. The preview party was interesting -over 100 people there. Average age of people attending this "preview" was about 79 I'd say. The price varies by floorplan. there isn't a "buy in" fee of several hundred thousand -...
by shell921
Sun Aug 11, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: vacation [Going to Maui]
Replies: 11
Views: 787

Re: vacation [Going to Maui]

I have stayed at the following places and liked them all : Napili Shores by Outrigger check trip advisor for more info and look here: https://www.youtube.com/watch?v=t0KMEIFhIok Napili Kai Beach Resort https://www.youtube.com/watch?v=GX5VhZqZgds The Whaler https://www.youtube.com/watch?v=fvVSqMsl3TE
by shell921
Sat Aug 10, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10156

Re: Healthy fast food

I had an "avacado veggie bowl" at Del Taco yesterday. Very good and filling. Rice, beans, onions, tomatoes, avocado and lettuce. :P Del Taco is in California, Oregon and Washington. Del Taco also operates in other western states (including Arizona, Colorado, Idaho, Montana, Nevada, New Mexico, Oklah...
by shell921
Sat Aug 10, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 126
Views: 15887

Re: Are you a "solo ager?"

I wonder if I would even want to continue living once dementia kicks in. I mean, what’s the point if all you are doing is languishing in a hospital being moved from bed to wheel chair to bathroom and back again unaware of the world. Same here. I became convinced of that while spending time at my fa...
by shell921
Wed Aug 07, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8054

Re: Extreme Anxiety with Time/Money

sword and scales said: "Great comment, similar story here. It’s important that people see these stories, because it’s ultimately what removes the stigma" and this I very much agree with. It is important that we recognize that mental health is SO important and there should be no shame is seeking help...
by shell921
Wed Aug 07, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Books on gaining control of your mind/behavior
Replies: 24
Views: 2034

Re: Books on gaining control of your mind/behavior

Skip the books and go right for meditation. For me (when I actually do it), the greatest benefit is mental clarity. YES !!! I learned to meditate 3 years ago and I wish I had learned sooner. Meditation brings mental clarity and peace and allows us to observe our thoughts rather than get caught up i...
by shell921
Tue Aug 06, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8054

Re: Extreme Anxiety with Time/Money

Thank you everyone for all the opinions. This thread has been very valuable for me. I will work on calming down a bit. Also, I need to start exercising and eating healthier; I am optimistic that this will help me out quite a bit. That's good to hear. You have to take of yourself ! I have a 10 year ...
by shell921
Tue Aug 06, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8054

Re: Extreme Anxiety with Time/Money

Thank you everyone for all the opinions. This thread has been very valuable for me. I will work on calming down a bit. Also, I need to start exercising and eating healthier; I am optimistic that this will help me out quite a bit. That's good to hear. You have to take of yourself ! I have a 10 year ...
by shell921
Mon Aug 05, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7272

Re: Financial anxiety and next steps in relationship

I just read your post from 2 years ago, in which you said that she is financially very prudent. This issue has been on your mind for a long time now. I wonder if you ever considered sitting down with a counselor who does pre-marriage sessions. My daughter and son in law, who come from very VERY dif...
by shell921
Mon Aug 05, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7272

Re: Financial anxiety and next steps in relationship

"We are also discussing having children, and she is feeling a lot pressure from her biological clock to have kids shortly after getting married." How do YOU feel about having children? The marriages I knew about -where the woman rushed the man into fatherhood- all fell apart. Like someone else said,...
by shell921
Mon Aug 05, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Mom just died-how to help my Dad with financial stuff???
Replies: 13
Views: 1721

Re: Mom just died-how to help my Dad with financial stuff???

Sorry to hear the news. What state does your dad live in? How old is he? What is his cognitive situation and health now? Did your mom have an estate plan? I won't say "never" but generally your dad should let you and your brother inherit the house so you get stepped up cost basis. He may need the e...
by shell921
Sat Aug 03, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Decision
Replies: 327
Views: 14498

Re: Long-Term Care Decision

Of course there is no predicting if or when you might need long term care but there was a discussion I believe on here about the actual percentages of people who need long term care and for how long. Found this on-line : "The average length of time spent in long-term care is two years (2.5 years for...
by shell921
Thu Aug 01, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 132
Views: 19966

Re: Single People and Retirement Question

Mike Scott wrote:
Sun Feb 18, 2018 9:50 pm
About half of all the married retirees will also become single retirees at some point and should think about this as well.
RIGHT ! I read that half of all married WOMEN over age 65 will become widows. I made it to age 66.
by shell921
Thu Aug 01, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: financial to-do checklist for federal employees?
Replies: 36
Views: 1461

Re: financial to-do checklist for federal employees?

My wife works for the federal government but I take care of most of the household finances. Wanted to see if there was some sort of checklist to make sure we are on top of things. If your wife works for the federal government, then she is entitled to take a retirement training course at her agency'...
by shell921
Wed Jul 31, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3205

Re: Personal Trainer for Physical Balance

I love tai chi and it is a form of balance training. I also love Classical Stretch !!! It has increased my flexibility and improved my posture and made me stronger and it has helped my balance. Takes away/prevents stiffness ! I am 71 and have been doing CS for 10 years. Miranda's clients range from ...
by shell921
Sun Jul 28, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Simplicity
Replies: 59
Views: 6829

Re: Simplicity ["The Minimalists” Movie on Netflix]

Saw the movie. Thought it was awful. One of many hipster Netflix documentaries. Personally, I have no interest in living in a room with a lawn chair, a plant, a pillow and enough clothes to fill a small backpack. Things should be as simple as they need to be, not as simple as possible. I’m a big fa...
by shell921
Sat Jul 27, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much to save?
Replies: 53
Views: 4681

Re: How much to save?

The 50/20/30 Rule (or 50/20/30 Budget) tells you to do the following: 50% of your income should go to essentials like food and shelter 20% of your income should go directly to savings or investment accounts 30% of your income is left over to spend on whatever you want This is a general rule and will...
by shell921
Sat Jul 27, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 6459

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

I live in a nice area and when I attend block captain meetings of my Neighborhood Watch and the police visit our meetings to give us crime reports, they always say the 3 best deterrents to home invasion/burglary are : a dog exterior motion lights security system I too have an air horn and I also hav...
by shell921
Thu Jul 25, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: How do you deal with looking bad compared to others?
Replies: 77
Views: 5098

Re: How do you deal with looking bad compared to others?

Some of the best lessons you can teach your kids is "how NOT to act" THIS. Please tell your wife and kids that your family needs to be glad [ rejoice! ] that it's those relatives and not you all that acts this way. Explain that people who don't feel good about themselves often try to make themselve...
by shell921
Thu Jul 25, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 7112

Re: Uber Without Smartphone

greg24 wrote:
Wed Jul 24, 2019 1:19 pm
A smart phone would allow you to visit your wife more often, which is probably the best way you can spend your money.

Good luck.
+1 :happy

I resisted getting a smartphone but once I did I was so glad I did and wished i had not waited until 2014 to finally
get one.
by shell921
Fri Jul 19, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: The skyrocketing cost of long term care and how to pay for it
Replies: 33
Views: 3271

Re: The skyrocketing cost of long term care and how to pay for it

Recently this was discussed. One poster said this: "A few people need LTC for a very long time, many for no time and many for a couple of years." Someone else posted : "It's estimated that about half the population will need some type of LTC at some point in their life. But the overwhelming majority...
by shell921
Tue Jul 16, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Being a hands off homeowner
Replies: 51
Views: 3749

Re: Being a hands off homeowner

I thought people were mentioning spending 1.5 % of the value of their home on maintenance "each year"...?? I've lived in my house about a decade. It was built in 2009. Custom home built on 2.2 acres. 4,000 sq feet. have not replaced appliances but I have had to have the dryer repaired, had some regr...
by shell921
Sun Jul 14, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Looking at account to get used to fluctuations?
Replies: 15
Views: 829

Re: Looking at account to get used to fluctuations?

Cyclesafe wrote:
Sun Jul 14, 2019 11:34 am
I look almost every day and have noticed that I have become numb to volatility. Numb is good.
+1
except I only look once a month!
by shell921
Fri Jul 12, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Survived the First Week [of retirement, what's next?]
Replies: 70
Views: 8468

Re: Survived the First Week [of retirement, what's next?]

OP, One thing I started doing when I retired 5 years ago was to begin keeping a daily log. I don't call it a diary, because I don't record deep thoughts or feelings. Not much introspection. It's a simple and most often short note about what I did that day. It generally only takes me a few minutes t...
by shell921
Fri Jul 12, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 2861

Re: Should I Buy a Motorcycle?

Wife worked in a hospital and all the organ donors were motorcyclists. Isn't there another way to get thrills? Do NOT buy a motorcycle! There are so many idiot drivers out there now ! My late husband was hit by a drunk in 1989. The drunk hit him from behind. It was the drunk's 3rd DUI but he had no...
by shell921
Wed Jul 10, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 11163

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

I've followed this with more than a little interest. I was the one who looked out for my mother, then took care of her estate. I don't have a spouse or children but do have a young relative who would be willing (if not skilled) if the need arose. Once I lost a parent, and some other relatives who w...
by shell921
Tue Jul 09, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: my best new travel tip only $2 per day more [airport parking]
Replies: 59
Views: 6335

Re: my best new travel tip only $2 per day more

I live about 30 miles from the airport. I have a friend who lives about 3 miles from the airport so I usually park in front of her house and Uber to/from airport.
by shell921
Mon Jul 08, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Elderly grandparents moving in with parents; what should they plan for?
Replies: 63
Views: 5025

Re: Elderly grandparents moving in with parents; what should they plan for?

There may not be a clear end in sight but there will be a "finish line". Everyone is different & it's hard predicting but I read in some magazine that only 1 in 6,000 Americans live to be 100. Then on-line I saw this : ............... What are the odds of reaching 100 years old? There is a 30% chanc...
by shell921
Mon Jul 08, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Survived the First Week [of retirement, what's next?]
Replies: 70
Views: 8468

Re: Survived the First Week [of retirement, what's next?]

Please give yourself some TIME to adjust. I retired in 2003 when I was 55. I decided since I didn't have another 55 years left to live I wanted to live whatever years I had left feeling the best I possibly could !! I had seen too many people retire only to find themselves unable to do much due to be...
by shell921
Fri Jul 05, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: my auto insurance went up 100%
Replies: 12
Views: 1747

Re: my auto insurance went up !00%

I am paying $1196 a year for auto insurance through AAA. I have never had an accident or a ticket and I drive
about 4,000-5,000 miles a year! I am 71.
by shell921
Fri Jul 05, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing my wife for financial life without me.
Replies: 95
Views: 11071

Re: Preparing my wife for financial life without me.

Thanks delamer. DH had most of the bills on autopay or he wrote the checks. If I wanted to buy something I would charge it on the credit card and the bills just got paid. I was not "in the know" like I should have been. I know now but I learned the hard way. We lived beneath our means and were not e...
by shell921
Fri Jul 05, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing my wife for financial life without me.
Replies: 95
Views: 11071

Re: Preparing my wife for financial life without me.

For years before my husband died, he tried to explain our finances and how he tracked everything by showing me spreadsheets. I could not understand and all this made me feel stupid and uneasy. In 2014, my beloved husband and partner of 40 years died suddenly and, fortunately for me, he had prepared ...
by shell921
Wed Jun 26, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Am I falling into the trap of judging everything through cost lens?
Replies: 51
Views: 4784

Re: Am I falling into the trap of judging everything through cost lens?

An older teacher I worked with used to say :

"I'm too poor to buy cheap".
by shell921
Tue Jun 25, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: stop payment on check ?
Replies: 14
Views: 1134

Re: stop payment on check ?

Thanks Gil. The landscaper's wife does his bookkeeping so I was just imagining that if I write another check and the first check somehow ends up getting delivered to his address,in say another month from now, his wife might go ahead and cash it - not remembering about the 2nd check. I suppose I coul...
by shell921
Tue Jun 25, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: stop payment on check ?
Replies: 14
Views: 1134

Re: stop payment on check ?

@Gil- Well, yes I DO trust him and I DID think of writing him another check....the check was from my credit union checking account and they charge $25 for a stop payment but, like people have posted here, the stop payment is good for 6 months only. Thanks. @CAsage - you think after 6 months there is...
by shell921
Mon Jun 24, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: stop payment on check ?
Replies: 14
Views: 1134

Re: stop payment on check ?

Thanks everyone. Last year I left a check for him in an envelope under my front door mat. I should have done that this time. I feel bad because I always pay everything on time and am fearful that, to him, it looks like I am making excuses. I DO want to use him again and thus I want to keep goodwill ...
by shell921
Sun Jun 23, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: stop payment on check ?
Replies: 14
Views: 1134

stop payment on check ?

I hired a landscaper to do brush clearing for me on June 9th. I mailed him a check June 11th for $800 but I wrote down the wrong house number when I mailed the check so it was returned to me June 14. I emailed him and told him what happened and I said I was sorry and would re-send asap which I did d...
by shell921
Fri Jun 21, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Permanent DINK couples - Considerations, thoughts, etc?
Replies: 97
Views: 10453

Re: Permanent DINK couples - Considerations, thoughts, etc?

Married, approaching 40, will not have children. Was wondering if there were other BHs in the same situation and what (if anything) you may be doing that might be slightly (or very) different to general financial advice? A couple of things off the top of my head: Emergency fund: With each person ma...
by shell921
Wed Jun 19, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 6180

Re: Are you a member of nextdoor.com? Any concerns registering your info?

Like someone posted, lost pets are reunited with owners via Nextdoor. I have gotten restaurant suggestions, handyman referrals, whole house water system recommendations etc. I have bought and sold items using Nextdoor and crime reports are shared.