Search found 11 matches

by TeacherLady
Tue Dec 08, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: Oatmeal -- figuring out what I bought earlier
Replies: 71
Views: 6231

Re: Oatmeal -- figuring out what I bought earlier

Our family has found Oatmeal Nirvana, which is "Coach's Oats" from Costco.It's somewhat-chopped steel-cut oats, so cooks in 5 - 7 minutes in the microwave oven. Result is perfect texture, not too chewy, not slimy nor mushy. Nirvana. Yum. Costco.
by TeacherLady
Sun Aug 16, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 4994

Re: USPS shipping: Caveat Emptor

I hear ya! 2 months ago a package meant for me (West Coast) was sent to my local destination hub, then redirected to New York, then either sent overseas or kept in pending-overseas status for 2 months, then magically appeared on my doorstep. Only 9 weeks late, but hey, decades ago "allow 4 to 6...
by TeacherLady
Mon Jul 20, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 6137

Re: Walking OK with sun exposure?

I opt for simplicity: I live in a hot, sunny climate and when I walk during the day I use a large golf umbrella as a parasol. I keep cool and shaded; I always keep the umbrella between myself and the sun. Often I hold it in the crook of my elbow or base it on my stomach or hip for ease of carrying. ...
by TeacherLady
Tue Jun 23, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: How do people sell a house and buy one at the same time?
Replies: 46
Views: 5640

Re: How do people sell a house and buy one at the same time?

19 years ago we gave ourselves a bridge loan from my husband's 401k to buy/sell concurrently. We also took out a 1st and 2nd mortgage. My goal was to sell our home only if we first could find a great house to move to. No point in selling a perfectly decent house if we had nowhere perfectly wonderful...
by TeacherLady
Thu Jun 04, 2020 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Having an agreement with your children?
Replies: 28
Views: 1869

Re: Having an agreement with your children?

Hm. I was just thinking on this, but with a twist: my mental question to myself was, "Should I leave an inheritance to a child who is highly unlikely to assist me in my old age?"
by TeacherLady
Tue Mar 24, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: Ants ... should we keep going or change tactics
Replies: 36
Views: 2408

Re: Ants ... should we keep going or change tactics

We live on a hill in SoCal. It is actually an ant hill, which we discovered shortly after moving in 19 years ago. I am not joking. :P We had multiple never-ending streams of ants which our large Norwegian Forest Cat would ecstatically "kill" by rolling over repeatedly - gross! Here's how w...
by TeacherLady
Wed Oct 09, 2019 9:26 pm
Forum: Personal Investments
Topic: New Retiree Seeking Portfolio Advice
Replies: 6
Views: 1029

Re: New Retiree Seeking Portfolio Advice

Many thanks for the wise advice. Have already fixed the Fidelity 401(k) and the Roth IRAs. Preparing for the Roth conversions.
by TeacherLady
Wed Oct 09, 2019 1:29 pm
Forum: Personal Investments
Topic: New Retiree Seeking Portfolio Advice
Replies: 6
Views: 1029

Re: New Retiree Seeking Portfolio Advice

Just a few random thoughts. 1. Your Roth accounts are stacked with bond funds. The greatest advantage of Roth accounts is that growth is tax free. Why do you want to constrain growth in such accounts, by stocking them with bonds? Ideally you would want to have those asset classes with the greatest ...
by TeacherLady
Wed Oct 09, 2019 1:21 pm
Forum: Personal Investments
Topic: New Retiree Seeking Portfolio Advice
Replies: 6
Views: 1029

Re: New Retiree Seeking Portfolio Advice

HomeStretch wrote: Wed Oct 09, 2019 12:22 pm Do you have two Vanguard joint taxable accounts (one in Trust name and one held outside Trust) or just one held in Trust?

This is a revocable Trust taxed at your rate, correct?
We have just one Vanguard taxable account which is held in our revocable Trust, taxed at our regular rate.
by TeacherLady
Wed Oct 09, 2019 12:01 pm
Forum: Personal Investments
Topic: New Retiree Seeking Portfolio Advice
Replies: 6
Views: 1029

New Retiree Seeking Portfolio Advice

Hello from a new retiree! My hb and I just made a small mistake while moving our cash from Capital1 over to a new Vanguard brokerage account. Learning that Target Retirement 2015 fund is not the best for a taxable account has opened our eyes to our need to plan a sensible portfolio correctly, not by...
by TeacherLady
Mon Dec 14, 2009 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Private school - what would you do?
Replies: 97
Views: 13902

Homeschooling Works for Me

You really might want to look into the possibility of homeschooling your child(ren). The education and socialization is tailor-made for each child, and they do thrive! Our family homeschools our two kids through the local school district, and the academic and social benefits have been astounding. It...