Search found 308 matches

by birdy
Thu Oct 31, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Amica Vs Travelers Home Insurance
Replies: 18
Views: 1105

Re: Amica Vs Travelers Home Insurance

Travelers = 160+ years in business

birdy
by birdy
Wed Oct 30, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Amica Vs Travelers Home Insurance
Replies: 18
Views: 1105

Re: Amica Vs Travelers Home Insurance

I had Travelers when my house flooded from my water heater. I also have had a roof replaced because of storm damage. Both times the claims were handled very professionally, with good communication. Travelers has been in business for a long time.

birdy
by birdy
Thu Oct 17, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Invited to join HOA board. Pros/cons?
Replies: 58
Views: 4763

Re: Invited to join HOA board. Pros/cons?

In our area, we are required to have a HOA when the neighborhoods are built out. No one here really wants to be on the board, but we work hard to keep the board full. If we don't have enough folks volunteer to be board members, we would have to hire a management company for our neighborhood. No one ...
by birdy
Tue Oct 15, 2019 11:32 pm
Forum: Investing - Theory, News & General
Topic: How often do you look at your IRA or 401K Balances
Replies: 71
Views: 5821

Re: How often do you look at your IRA or 401K Balances

I picked my mutual funds with the help of this site way back when. I bought funds I believe in and have not felt the need to change since. I used to check my balances to update my spread sheets on my net worth every 4-6 months. When we had that big loss in 2007/2008, I went about 1 year before I che...
by birdy
Sat Oct 12, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Electric Car Charger - options/Amp settings?
Replies: 42
Views: 2787

Re: Electric Car Charger - options/Amp settings?

Just a side bar for electric cars. People in California are having problems with their cars because the electricity had to be shut off because of the fires going on there. This is a problem that I didn't think of with them. This is a consideration for those who drive electric.

birdy
by birdy
Wed Oct 02, 2019 10:25 am
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9908

Re: Retirees - do you hold extra cash for a bear market?

In the 2008-2009 market downturn, I continued to contribute to my 401k and added to my savings. I also quit checking my fund balances during that time and trusted I had picked my portfolio well enough not to mess with it (stay the course!). I count my 5 year CD ladder as part of my "Bonds" portion. ...
by birdy
Mon Sep 30, 2019 2:03 pm
Forum: Personal Investments
Topic: Threw me a curve [unexpected layoff]
Replies: 36
Views: 5942

Re: Threw me a curve [unexpected layoff]

I too was laid off in my 60's. I: applied for unemployment, Got Cobra (ACA was even more cost then cobra for me), rolled my 401k to a IRA at Vanguard, started working for a Temp agency until I could find a couple of clients and became an independent contractor. I liked the suggestion to get rid of y...
by birdy
Sat Sep 28, 2019 12:42 am
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9688

Re: Physical activity suggestions for a non athletic youth

Join 4-H or boy scouts to get him out of the house. If he likes animals, get him a dog and have him take agility classes. Encourage him to have a dog walking business or help at local animal shelter or volunteer else where. Does he like to sing? Maybe encourage him to join a chorus (think social). H...
by birdy
Thu Sep 12, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4688

Re: Best Dog Car?

In my dog showing years I had a Ford Windstar. Drove like a car. I took out the middle seat so crates would fit and be close to me when driving. It also had the best air conditioner I have ever had on a vehicle! Now I have a Pontiac Vibe/Toyota Matrix which I like. Back seat folds flat, fits 2 dog c...
by birdy
Sat Aug 24, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1121
Views: 125680

Re: What frugal thing did you do today?

Oh my gosh! Just realized this was a post from 2017!!!!!

birdy
by birdy
Sat Aug 24, 2019 7:33 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1121
Views: 125680

Re: What frugal thing did you do today?

Used a coupon at Burger King and ate lunch for $3.25!

birdy
by birdy
Sat Aug 24, 2019 7:22 pm
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 109
Views: 13538

Re: Close Vanguard and go all in with Fidelity?

I see no reason you must choose between Vanguard and Fidelity. My retirement funds are at Vanguard and spouses funds are in Fidelity. Just make sure you watch the expense ratio differences and pick funds you will be happy with over the long term.

birdy
by birdy
Wed Aug 21, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: Trip to Costa Rica
Replies: 16
Views: 1701

Re: Trip to Costa Rica

Enjoyed http://www.mytanfeet.com/ before going to Costa Rica in April. Don't bother with Sarchi (painted oxcarts) north of San Jose. In Monteverde, we stayed at El Establo Mountain Hotel. It is on the side of a mountain, so we took their shuttle (free) when moving around the Hotel. Their food was ex...
by birdy
Sat Aug 17, 2019 10:52 am
Forum: Investing - Theory, News & General
Topic: Any retired person have stocks and cash I was thinking about a 70/30
Replies: 61
Views: 4977

Re: Any retired person have stocks and cash I was thinking about a 70/30

I have a 70/30 portfolio. My 30% is in series EE bonds, a 5 year CD ladder, VG Intermediate Muni Bond Fund, VG Intermed-term Bond Index Fund, and VG Total Bond Indes. I am not worried about my more aggressive stock funds, as I will have SS and already have some income from a family farm in Iowa. I a...
by birdy
Thu Aug 01, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Johannesburg, VicFalls, Capetown suggestions
Replies: 10
Views: 613

Re: Johannesburg, VicFalls, Capetown suggestions

If you are not a keen traveler, I suggest going to Sun City. They have safaris, casino, elephants, golf, zip lines and a huge natural looking water park! They have hotels and other accommodations. If you want to go on a game reserve safari, we loved Sabi Sabi and Thornybush game lodges.

birdy
by birdy
Sun Jul 28, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Buenos Aires - How many days?
Replies: 33
Views: 3067

Re: Buenos Aires - How many days?

Was in Buenos Aires in January (getting on Antarctica cruise). Met another couple who invited us to join their private tour when we departed the cruise and didn't have to catch our flight until that evening. We visited La Boca and Caminito Street, San Telmo, Plaza de Mayo, Casa Rosada (Presidential ...
by birdy
Sun Jul 28, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Costco Citi Visa?
Replies: 34
Views: 4571

Re: Experience with Costco Citi Visa?

Have used the Costco Visa card many times out of the country. No foreign transaction fee (we also take AAA card with no transaction fee as a back up) and decent exchange rate. As for the yearly rebate, just cash it at one of the Costco registers or do our grocery shopping and take the cash balance b...
by birdy
Mon Jul 01, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 9294

Re: Would we regret buying a 2nd home?

We have never had a second home. We enjoy traveling to different places when we take trips. I get enough maintenance work with just one house. I have a friend who has had a lake house near Sacramento. When she talks about going to it, all I hear is all the "chores" they had to get done while there. ...
by birdy
Tue Oct 23, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 28130

Re: PSA: Don't buy a big house

We designed and had built our "dream" home in 1997 in Carrollton, TX. 2015 sf, 3 bed/2 bath/great room (no extra "living spaces")/office with a 3 car garage. We have "small" dreams! Now all these years later, still love our home which feels just right for us. Just got our property tax bill which say...
by birdy
Tue Oct 23, 2018 3:45 pm
Forum: Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 8579

Re: For those who paid off house - how did you do it?

Paid additional principle (equal to what I was required to) every month. When interest went down refinanced to 15 year mortgage and continued to do the same thing. I didn't really worry about not having the interest to deduct. I just wanted to get rid of the debt! Interest rates went down one more t...
by birdy
Fri Oct 05, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5708

Mr. Money Mustache is the BOMB!

Mr. Money Mustache: What Everybody Is Getting Wrong About FIRE I just read his last post!!!! It just hit home to me like nothing else has! I am going to borrow his saying "A Millionaire is made 10 bucks at a time". His explanation of FIRE was just so fantastic that I literally almost cried! This is ...
by birdy
Wed Oct 03, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 16232

Re: Bosch dishwasher odor

I had a Bosch in my old house. Loved the quiet running and great cleaning power. Fast forward to my current home. Needed to replace the builder dishwasher. Wanted a Bosch like in my old house. Read all the reviews and a consistent complaint was foul smell from the dishwasher! Bought a new Bosch anyw...
by birdy
Mon Sep 10, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 85
Views: 12984

Re: My daughter's inheritance.

I just wanted to say you have received a lot of good advice from us. I personally want to tell you how sorry I am for your loss and I hope you daughters pain gets a little easier to bear each day. Some times we get lost in the details when someone dies. Take care of yourself and don't let this overw...
by birdy
Sat Sep 08, 2018 12:50 pm
Forum: Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8807

Re: Scaring the Old Folks

We have no debit at all and pay off credit cards completely when the bill comes. What I have noticed is: 1) Health Insurance premiums WAAAy more than anticipated (not eligible for Medicare yet) 2) Gas for cars way down 3) Still spending same for clothes (ok, I just love sales!) 4) Eating out less (m...
by birdy
Sat Sep 08, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13505

Re: Excessive Emergency Room Charges - Options?

This is not related to an ER visit: I am having knee pain. Went to doctor who injected them and ordered PT three times/week for 4 weeks. Went to my first PT appointment and was told my out of pocket would be $250 per session! I have INSURANCE! I told them I could not afford that and they offered me ...
by birdy
Fri Sep 07, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 184
Views: 21748

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

My favorite place is the one I am going to next! Going to Antarctica in January 2019! Some of the places that have given me goosebumps: Sitting on the very front of a boat, legs dangling off, with dolphins chasing us in Tahiti Standing on the Great Wall of China Pyramids in Egypt Landing in helicopt...
by birdy
Fri Sep 07, 2018 5:07 pm
Forum: Personal Investments
Topic: Financial Planner really expensive?
Replies: 19
Views: 2207

Re: Financial Planner really expensive?

Don't give your money away!!! Take care of it yourself with the help of Bogleheads and the books already suggested. Financial planers count on you being confused and intimidated to get your business. Take control yourself. Be confident and ask for help here if you have questions. I did it and you ca...
by birdy
Sat Aug 18, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking - School Me
Replies: 21
Views: 2583

Re: Online Banking - School Me

Rickboglehead:

Ally is my first choice for online but I still want highest interest rate I can find. My Connexus 60 month CD is 3.25% APY! I have no trouble at all keeping track of my scattered CD's as I use a spread sheet. Would be nice if they were all together at the same place though!

birdy
by birdy
Fri Aug 17, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking - School Me
Replies: 21
Views: 2583

Re: Online Banking - School Me

I shop bankrate.com when a CD matures to find the best APY. I have CD's with Discover, PenFed, Ally, City Credit Union, Nationwide, and TIAA Bank. Like I said, I go where the best rates I can find are!! My new 60 month CD with Connexus Cr.Un. was an example of my pet peeve; you need to have a certai...
by birdy
Fri Aug 17, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 4521

Re: Best (most practical, low cost) Luggage for Airline Travel

Spouse and I travel internationally for pleasure. I bought two Delsey (100% Polycarbonate shell) 26 inch 360 spinners. You have to watch the dimensions of your luggage when traveling overseas. Some times when they give you suitcase dimensions, they DO NOT INCLUDE the wheels! These are for checked lu...
by birdy
Sun Jul 29, 2018 10:35 am
Forum: Personal Investments
Topic: Retirees: how much cash?
Replies: 61
Views: 7472

Re: Retirees: how much cash?

Leif: I have a CD (5 year) ladder in which two CD's mature per year. One around the beginning of the year, and one in the middle of the year. I count my CD's as cash because of my ability to decide when they mature, if I want to use that money or put it back into another CD because I don't need it r...
by birdy
Sat Jul 28, 2018 1:44 pm
Forum: Personal Investments
Topic: Retirees: how much cash?
Replies: 61
Views: 7472

Re: Retirees: how much cash?

Hi everyone: I totally also agree with what Sheepdog did. I myself, due to the 2008-09 recession increased my cash (CD's) allocation as to not be forced to sell stock funds when the market does this again! What I have is broken down (largest $$$ amount first to lowest): 16%---CD's, savings accounts ...
by birdy
Thu Jul 05, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 80
Views: 10236

Re: Rodents ate my car!

Had placed some ketchup packets in my glove compartment. One day opened up compartment to find ……..well you know! Have had mouse bait stations all around ever since!


birdy
by birdy
Sat Jun 30, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 6587

Re: 6 hour layover on Heathrow

With such a busy airport and a 6 hour layover, I wouldn't do it. I recently had a 10 hour layover in Dubai and had no problem setting up a 4 hour tour. With your amount of time, I would be anxious the whole time away from the airport and worried I might miss my flight----and I travel pretty often! I...
by birdy
Sun Jun 24, 2018 12:56 pm
Forum: Personal Investments
Topic: Hitting your number---Now What?
Replies: 19
Views: 3290

Re: Hitting your number---Now What?

I am leaving my 60/40 allocation alone! I have not changed anything. I have been sleeping very well! My "40" is in EE bonds, CD's, VG Interm-term bond index, and VG Total bond market index.

birdy
by birdy
Thu Jun 14, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 4553

Re: Non-alcoholic drinks for wedding

I don't understand all this must provide dinner/free bar stuff at weddings now days. When I was married we had cake and punch. Now I guess brides feel obligated to feed people to "pay" them for their wedding gifts! The idea that you can't have a wedding reception without booze is ridiculous. I guess...
by birdy
Wed Jun 13, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 6924

Re: Anyone with a paid off house drop homeowners insurance

My house long ago paid off. Still keeping insurance!

New roof in 2011 due to hail
New roof being put on in 2 weeks due to hail ($18,000.)

I could pay for the cost myself also, but that's what insurance is for!

birdy
by birdy
Wed May 30, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Lawyer instead of buyer's real estate agent? Experience anyone?
Replies: 54
Views: 6791

Re: Lawyer instead of buyer's real estate agent worked great!

One of the homes I lived in I decided to sell myself. I used FSBO, a company that for a flat fee markets and then takes care of all the paperwork to close on a house. This was at a time when I bought high and the house didn't maintain it's high value. I was going to loose money if I used a realtor. ...
by birdy
Sun May 27, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth LTC (Again)
Replies: 19
Views: 2165

Re: Genworth LTC (Again)

You are right Ralph! I hadn't thought about increasing the elimination period either for the poster! It has been so long since I bought our policy, I need to check what we have on ours!

birdy
by birdy
Sun May 27, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Genworth LTC (Again)
Replies: 19
Views: 2165

Re: Genworth LTC (Again)

I and spouse also have a Genworth LTC policy. We have savings (minus house value) of around what you do. We are retired now (63/63). No children. Mother- in- law lived in retirement living for 10+ years with health care workers for assistance. Very expensive for the apartment and then having to pay ...
by birdy
Sat Apr 28, 2018 2:26 pm
Forum: Personal Investments
Topic: What is the best case scenario of "settling" for a late entrant?
Replies: 23
Views: 2643

Re: What is the best case scenario of "settling" for a late entrant?

Manedark: Welcome to the Bogleheads website! I and spouse were lucky to accumulate enough savings to retire at 60 yrs old. The way we did it was by starting young to be savers (finding this site of course!) and our savings grew and grew over time! There is really nothing magical about having enough ...
by birdy
Sat Apr 21, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 23914

Re: BH travel tips?

1) I hate money belts or those pouches which hang around the neck. I purchased a new product from Clever Travel Companion. It is a tank top with a "secret" pocket. They had a choice of a zipper pocket right in the middle of your chest and/or a zipper on the side of your torso. I got both. My favorit...
by birdy
Fri Apr 06, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Used a Healthcare Broker--and I liked it!
Replies: 15
Views: 2731

Re: Used a Healthcare Broker--and I liked it!

Celia-I DID shop around--Texas has very little in healthcare options. bloom2708--We make too much to qualify for any ACA subsidies. quantandhold--Maybe I should move to California! As I understand it, rates and coverage vary widely from State to State. Tanelorn---Loved your comment! That is exactly ...
by birdy
Wed Apr 04, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Used a Healthcare Broker--and I liked it!
Replies: 15
Views: 2731

Re: Used a Healthcare Broker--and I liked it!

LLC is a farm that raises corn/soybeans in Iowa. LLC has 3 people who own shares. The rental from the land is split between these 3 people. We had to apply for approval with the health insurance company to set this up. Insurance company approved of LLC as a business. We had to get documents signed f...
by birdy
Wed Apr 04, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Used a Healthcare Broker--and I liked it!
Replies: 15
Views: 2731

Used a Healthcare Broker--and I liked it!

Spouse and I were at the end of our 18 months of COBRA. Talked to a Healthcare broker through the Independent Insurance Agency we use for the rest of our Insurance. We wanted help deciding what to do now (go on Obamacare). He told us we were able to ask the employer for an EXTRA 6 months of COBRA he...
by birdy
Sun Mar 25, 2018 6:55 pm
Forum: Personal Investments
Topic: "I won the Lottery" update -
Replies: 33
Views: 10141

Re: "I won the Lottery" update -

:sharebeer I just want to add my congratulations to you and your spouse. Isn't the feeling wonderful when you think about your future???? I have not won a "lottery" but I hit the lottery when I married my spouse! Having two frugal people working hard to "save for a rainy day" (early retirement) has ...
by birdy
Wed Mar 14, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 11194

Re: traveling to mexico, should I be concerned?

There was a big story that reviews through (Trip advisor etc.) were deleting reviews that involved alcohol, rapes, doping etc. at these large all inclusives. There were numerous tourists reviews saying their review was deleted and that doing this caused a false sense of security at these places. I h...
by birdy
Tue Mar 13, 2018 7:28 pm
Forum: Personal Investments
Topic: Market Link CD
Replies: 5
Views: 918

Re: Market Link CD

Sorry. This information is above my pay grade! Have never thought to use it as part of my retirement plan.

birdy
by birdy
Mon Mar 12, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Big Work Trip - Looking for Ideas
Replies: 15
Views: 1836

Re: Big Work Trip - Looking for Ideas

We just got back from Bangkok (3 weeks). The traffic is TERRIBLE. We used the Skytrain and Chao Phraya river boat taxi to get to tourist sights (tuck tucks-eating car fumes in traffic jams) (taxi-can walk faster than taxi can travel on most roads) (motorcycle taxi---waaay too scary as they drive bet...
by birdy
Mon Mar 12, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 11194

Re: traveling to mexico, should I be concerned?

I love to travel. Just got back from 3 weeks in Bangkok, Thailand. As for Mexico, I personally would not go there right now. I have followed the problems occurring (fake liquor, people being doped, bad security, kidnappings) and decided that the problems occurring are not worth it for me. Too many o...