Search found 378 matches

by Lalamimi
Mon May 25, 2020 11:56 am
Forum: Personal Finance (Not Investing)
Topic: What to do with Mother-In-Law
Replies: 31
Views: 3765

Re: What to do with Mother-In-Law

We moved my mom to assisted living a few years ago to be closer to us. ($4500 a month). She also had veterans' benefit (she was a veteran, so received $1800 mo, spouse is about $1300) which I luckily had finally gotten for her after she moved. Ended up at 3 different places, as she regressed. Leave ...
by Lalamimi
Mon May 25, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: Anyone buy a car from a rental car company???
Replies: 25
Views: 2445

Re: Anyone buy a car from a rental car company???

My dad brought one from Hertz years ago. No issues. I bought a courtesy car from Lexus in 2008 - still have it and love it. Came with warranty.
by Lalamimi
Sun May 24, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 21
Views: 3354

Re: Del Webb 55+ communities?

Older friends moved to Georgetown TX Del Webb . They love it. Their home was in new section, so they formed the new group for neighborhood 53. They made changes to the house (approval is needed for almost everything, even flowers). She was mid 70s, he was in 80s. He passed 2 yrs ago at 90. They took...
by Lalamimi
Sun May 24, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 81
Views: 6808

Re: Pandemic buys that have improved quality of life?

more plants and mulch for our yard.
by Lalamimi
Sun May 24, 2020 4:11 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 81
Views: 3856

Re: Tips to stick to a weight loss diet?

Keto/low carb works for us - no potatoes, pastas, breads (there really are good substitutes). And read all labels- Avoid corn, wheat, sugar and most of the substitutes. Don't buy "junk" foods. I was amazed at all the items containing sugar. Don't think of it as a diet - its a WOE - way of eating. Fo...
by Lalamimi
Sat May 23, 2020 10:07 am
Forum: Personal Finance (Not Investing)
Topic: House budget advice
Replies: 10
Views: 893

Re: House budget advice

Congrats! our first house was $35K 8% int. (1977) Second house was $79K 10% int (1989) Third we built on 10 acres (weekend house) 2004, 4th was $100K so I could work again in Houston. We owned and paid on 2 houses since 2004. Our last home (we hope) we bought Dec 2017. Built in 1996. Similar to what...
by Lalamimi
Fri May 22, 2020 8:01 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15521

Re: So what are you cooking

Zoodled zucchini with Aldi's brand of Tomato Basil sauce and meat sauce. Low sugar, and our dogs love it.
by Lalamimi
Thu May 21, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 28
Views: 1204

Re: Furniture for an infant in the living room

Talk to friends, join a new mom's FB group, buy used on most things, especially those you will only need a few months. My daughter found a cloth framed type of "box" for co sleeping. She really liked it, as she breastfed. Also had a crib by the bed. Changing mat permanently on the foot of her king s...
by Lalamimi
Wed May 20, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: Car Transport Services
Replies: 9
Views: 530

Re: Car Transport Services

My daughter bought a car in 2008 in California and the dealer arranged it to be shipped to Texas. I think she paid $700. Perhaps contact a dealer in your area for recommendations?
by Lalamimi
Tue May 19, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: Hot Tub hard water
Replies: 8
Views: 538

Re: Hot Tub hard water

Is the water too hot? Could be the problem. Does it has the osmosis light? We had one in the 90s, all I can think of.
by Lalamimi
Tue May 19, 2020 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for grocery rewards
Replies: 37
Views: 2791

Re: Best credit card for grocery rewards

Chase Freedom! April, May and June, 5% Groceries.
by Lalamimi
Mon May 18, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: I work remote: Is buying a home away from a major city a major risk?
Replies: 39
Views: 4281

Re: I work remote: Is buying a home away from a major city a major risk?

How is the internet infrastructure in the area? We had 10 acres 25 miles south of Austin, and NO INTERNET. There was a local company run by one guy, but he wanted us to put up a $500 50 ft tower. We declined.
by Lalamimi
Sun May 17, 2020 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to decide on what type of Housing is most appropriate? DINKS - Late 30s
Replies: 18
Views: 1480

Re: How to decide on what type of Housing is most appropriate? DINKS - Late 30s

700sq ft. 8 steps from fridge to bed. We have been married 45 yrs. 650 sq ft apt, to 1850 sq ft house, 2 kids - to 1900 sq ft. Several houses later, we are on 1 acre, 3000 sq ft. house. Too big. but its great. Buy a little larger than you need, you will grow into it. My daughter has been married alm...
by Lalamimi
Sat May 16, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: Roofing job -- what to know when paying final balance ?
Replies: 15
Views: 892

Re: Roofing job -- what to know when paying final balance ?

We had GAF 50 yr shingles installed. GAF actually sent an inspector out to confirm job was done properly for the warranty.
by Lalamimi
Sat May 16, 2020 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Income about to be halved - what do we do?
Replies: 62
Views: 7676

Re: Income about to be halved - what do we do?

Are you in a electric coop? Electricity bill seems really high. Shop around if you can. Also home insurance. Shop it. There are several in Texas for rural homes, we used several over the years. We have a 12 yr old Border Collie with Cushings. I just found a compounding pharmacy who could make his me...
by Lalamimi
Fri May 15, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6586

Re: Has Your Spending Changed Since The Shutdown?

Retired 2 yrs., our main entertainment was going to Costco, Aldi and HEB. Out to lunch Tues and Sunday. I think we spent more on food, just cooking more. Battery died on my car - $95 to replace through Walmart grocery pick up. Gas for DH's car every few weeks. We are slowly eating out again, take ou...
by Lalamimi
Fri May 15, 2020 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for Title Insurance
Replies: 29
Views: 1318

Re: Shopping for Title Insurance

See if they will just let the title company who did your original title insurance just "update" your current policy.
by Lalamimi
Fri May 15, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for Title Insurance
Replies: 29
Views: 1318

Re: Shopping for Title Insurance

I don't believe the price changes much. Its based on the value of the house/loan. Their fees for attorney, copies,etc. might be slightly different. Its an insurance policy not a service cost.
by Lalamimi
Thu May 14, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169652

Re: What frugal thing did you do today?

Bathed both dogs on the patio. We used the pet room at Tractor Supply several times pre-Covid - $20 total. I had called a mobile groomer last month -she quoted $120 each for the border collies. So we really saved! The cats get theirs tomorrow.
by Lalamimi
Thu May 14, 2020 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Good Time to Buy New Car or Wait?
Replies: 38
Views: 3591

Re: Good Time to Buy New Car or Wait?

Here in Texas they are running lots of ads on TV, but the primary theme is "no payments for 90 days, etc.". Shop around, pick a few you like, and just wait. My 2007 preowned (courtesy dealer car with 1400 miles) Lexus ES350 has 127K on it and I still love it.
by Lalamimi
Tue May 12, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Asking renter to obtain renter's insurance; what benefits to highlight?
Replies: 18
Views: 942

Re: Asking renter to obtain renter's insurance; what benefits to highlight?

Just a thought - does your dad's insurance perhaps require it? Might make a good reason to now require it.
by Lalamimi
Tue May 12, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4657

Re: Front load washing machine recommendations

Have had our Samsung almost 15 years - no issues. The early LGs were terrible about the mold, think that is why they are much better now. I did discover recently that a Koozie is perfect for propping the door open just enough!
by Lalamimi
Tue May 12, 2020 12:23 pm
Forum: Personal Investments
Topic: DH Laid Off - can we retire early?
Replies: 40
Views: 4914

Re: DH Laid Off - can we retire early?

Have you looked into SSI benefits for yourself? No clue but you might be eligible. Is DH drawing unemployment? He should, especially now with the added amount.
by Lalamimi
Tue May 12, 2020 12:03 pm
Forum: Personal Investments
Topic: Questions about retiring and purchasing a home
Replies: 12
Views: 688

Re: Questions about retiring and purchasing a home

Bob should stay with relatives a month or two while finding a house, transferring his car title, insurance, etc., and looking for that dog. This will also give him a small cushion. Maybe $50K down payment. This will give him some cash for unexpected expenses, new furniture, etc. His expenses might a...
by Lalamimi
Tue May 12, 2020 8:05 am
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 60
Views: 4682

Re: At what moment does retirement begin?

Stressful oil and gas position - I kept a spreadsheet, too, that counted down to July 2016 (arbitrary 5 year plan). It came and went as we were so busy and I was only 62. I was laid off March 2, 2018 at age 64, very nice severance. Happy day, but also panicked - filed for unemployment, did a few int...
by Lalamimi
Sun May 10, 2020 7:52 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5321

Re: What are your alternative plans this summer if it was travel?

looking at travel trailers. We loved to camp when the kids were younger. 13 yr old grandson is game. We have two 12 yr old dogs though.
by Lalamimi
Sun May 10, 2020 9:28 am
Forum: Personal Investments
Topic: What to do with $200K in TIRA
Replies: 18
Views: 852

Re: What to do with $200K in TIRA

Same here, EJ last Dec, lots sold to put in Fidelity - caught me trying to rebalance. We left about $3250K in cash between our 3 accounts and count it as "bonds" for now. Slowly buying to end up 50/50. We are mid and late 60s, retired. Can you be more specific about what you are buying and where? I...
by Lalamimi
Sun May 10, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: Buying a used Jaguar
Replies: 40
Views: 2514

Re: Buying a used Jaguar

My brother has one that has just been sitting. Not a good idea.
by Lalamimi
Sat May 09, 2020 12:10 pm
Forum: Personal Investments
Topic: College age kid wrecked his car...
Replies: 113
Views: 6040

Re: College age kid wrecked his car...

Buy him a cheap reliable car around $10K, finance it. He can make half the payment each month then take over when he graduates. Does he live at home. No public transportation? (assume since deer are involved, there is not). I hit one less than a mile from my house, luckily only about $2K damage. May...
by Lalamimi
Sat May 09, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Rocks or Mulch?
Replies: 37
Views: 2012

Re: Rocks or Mulch?

TIer it. Cut into rows and put landscape timbers, railroad ties or something. I can't get a picture to attach.
by Lalamimi
Wed May 06, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 9725

Re: How Do Early Retirees Pay for Medical

Maybe look into getting Medicare early, maybe thru SSI due to health? No idea how, but a friend did.
by Lalamimi
Wed May 06, 2020 2:34 pm
Forum: Personal Investments
Topic: What to do with $200K in TIRA
Replies: 18
Views: 852

Re: What to do with $200K in TIRA

Same here, EJ last Dec, lots sold to put in Fidelity - caught me trying to rebalance. We left about $3250K in cash between our 3 accounts and count it as "bonds" for now. Slowly buying to end up 50/50. We are mid and late 60s, retired.
by Lalamimi
Sun May 03, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169652

Re: What frugal thing did you do today?

Found 20 free concrete squares (12 x 12) on FB site- just right for pathway from patio to DH's new shop. We had looked at garden centers the day before, nothing worked. These will do and saved us $50. DH then bought a "Needs Work" $400 edger for $40. Something for him to work on in his new shop. Ea...
by Lalamimi
Sun May 03, 2020 12:36 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169652

Re: What frugal thing did you do today?

Found 20 free concrete squares (12 x 12) on FB site- just right for pathway from patio to DH's new shop. We had looked at garden centers the day before, nothing worked. These will do and saved us $50. DH then bought a "Needs Work" $400 edger for $40. Something for him to work on in his new shop.
by Lalamimi
Sat May 02, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 3895

Re: Lawnmower recommendation

Honda.
by Lalamimi
Sat May 02, 2020 4:35 pm
Forum: Personal Consumer Issues
Topic: Can High School Students Working Part-Time Get Unemployment?
Replies: 13
Views: 1882

Re: Can High School Students Working Part-Time Get Unemployment?

She sounds like a great kid. Had a co-worker years ago when we were young, who had been laid off, went to the unemployment office (talking mid 1980s) said to herself "I can find a job faster than I can stand in that line". She and I worked together at several companies and she is still going strong ...
by Lalamimi
Sat May 02, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: [recommend a basic] refrigerator
Replies: 22
Views: 1715

Re: [recommend a basic] refrigerator

NO SAMSUNG. We love Whirlpool. And we got a 33" plain Jane top freezer in the dent deals at Lowes. $500.
by Lalamimi
Sat May 02, 2020 9:17 am
Forum: Personal Investments
Topic: Question on how RMDs affect a spending plan in retirement.
Replies: 16
Views: 1192

Re: Question on how RMDs affect a spending plan in retirement.

Daily spending: I plan to have a checking and savings account in a brick and mortar bank to utilize as “pass-through” accounts. I will keep a small balance in each for daily spending and overdraft protection. This is similar as I am doing now. First Years Salary: I plan to keep about a years’ worth...
by Lalamimi
Sat May 02, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: Will Walmart replace a battery without a receipt?
Replies: 33
Views: 1931

Re: Will Walmart replace a battery without a receipt?

Since we have to do everything self serve, just go to the self check and give yourself a refund :sharebeer
by Lalamimi
Fri May 01, 2020 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA plan question
Replies: 3
Views: 252

Re: COBRA plan question

Same plan. It just continues, your deductible is same, etc.
by Lalamimi
Thu Apr 30, 2020 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: SS Spousal Benefit..Pros and Cons?
Replies: 7
Views: 542

Re: SS Spousal Benefit..Pros and Cons?

uhh--- I made over $200K last few years I worked (a lot less from 1972-2009). I am drawing $1100 a month spousal until I turn 70. Surely your spouse can make a lot more than that for 30 or 40 yrs. Make all you can while you can.
by Lalamimi
Thu Apr 30, 2020 1:28 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 388
Views: 78082

Re: Roll Call for the Retirement Class of 2018!

Late to the party. Was laid off March 2018, but it was retirement at age 64! Company paid our Cobra until we got on Medicare by year end. We had just purchased our forever home that December and my mom had passed in January. So, we went to Cabo in May and then took a river cruise through Russia, wit...
by Lalamimi
Wed Apr 29, 2020 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Critique this retirement plan, suggest alternatives
Replies: 7
Views: 447

Re: Critique this retirement plan, suggest alternatives

You are assuming all kids will leave and not return home. Be sure to factor in weddings...
by Lalamimi
Wed Apr 29, 2020 9:58 am
Forum: Personal Investments
Topic: Leaving Edward Jones is there a better or worse time
Replies: 35
Views: 1940

Re: Leaving Edward Jones is there a better or worse time

Moved from EJ to Fidelity late November. Advise - Talk to Vanguard, confirm which MFs will not transfer - there will be many, I bet. Have EJ sell those immediately and any others you don't want to transfer if you have identified. THEN, print out everything you can from the EJ account, cause they wil...
by Lalamimi
Sun Apr 26, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: E-filed tax return still processing over 21 days later...
Replies: 7
Views: 646

Re: E-filed tax return still processing over 21 days later...

We E-Filed with TurboTax Feb 21. Finalized April 17.
by Lalamimi
Sun Apr 26, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: Can High School Students Working Part-Time Get Unemployment?
Replies: 13
Views: 1882

Re: Can High School Students Working Part-Time Get Unemployment?

She should just find another job. Don't get her in the habit of relying on the government. Our area has lots of jobs for teenagers right now, grocery stores, etc. Sounds like it was part of the school program. Make sure she walks to work, too. We wouldn't want her to become dependent on those gover...
by Lalamimi
Sun Apr 26, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2531

Re: File tax return electronically

E filed ours Feb 21. Final processing was April 17. Had asked that refund be applied to 2020 taxes, so did not include bank info. Finally got bank info submitted Thursday for stimulus payment. Earliest I have filed in years.
by Lalamimi
Sat Apr 25, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: Can High School Students Working Part-Time Get Unemployment?
Replies: 13
Views: 1882

Re: Can High School Students Working Part-Time Get Unemployment?

She should just find another job. Don't get her in the habit of relying on the government. Our area has lots of jobs for teenagers right now, grocery stores, etc. Sounds like it was part of the school program.
by Lalamimi
Sat Apr 25, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: DD's apartment complex requires renters insurance
Replies: 50
Views: 2062

Re: DD's apartment complex requires renters insurance

I believe our homeowners covered our daughter when she was in college. Did you check into that? It did when I rented an apartment while working in different city. Just gave a letter to the apartment management.