Search found 331 matches

by birdy
Wed Jul 08, 2020 11:18 am
Forum: Investing - Theory, News & General
Topic: Does it really matter when you claim Social Security
Replies: 109
Views: 8871

Re: Does it really matter when you claim Social Security

I have run all the social security apps and total money wise, we are better off to wait to take SS. We have decided to take it now (at retirement age) because we decided we are still active and want more money now to travel while we can. We have retirement monies enough to last us till our "end" and...
by birdy
Sat Jul 04, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Question - Reloc to TX
Replies: 101
Views: 7292

Re: Question - Reloc to TX

We have a TV series on PBS here called "The Daytripper". It showcases towns around Texas to visit and enjoy. There are two episodes you might be interested in: S11 : E12-----McKinney, TX S10 : E8-----Frisco, TX Thought you might try to find them watch!

birdy
by birdy
Wed Jul 01, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Question - Reloc to TX
Replies: 101
Views: 7292

Re: Question - Reloc to TX

Sorry. We have no State INCOME taxes.

birdy
by birdy
Wed Jul 01, 2020 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Question - Reloc to TX
Replies: 101
Views: 7292

Re: Question - Reloc to TX

You need to purchase a Toll Tag for the toll roads. It is cheaper than they charge without one. We have toll roads which I drive frequently. You can mostly take surface roads if you want, but you will increase drive times due to backups on service roads from stop lights. I believe they want $40 to o...
by birdy
Tue Jun 30, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Question - Reloc to TX
Replies: 101
Views: 7292

Re: Question - Reloc to TX

I have lived here in Carrollton, TX for about 25 years now. When you consider buying, be sure to check which COUNTY it is in. We are Denton County and the property taxes are much better than Dallas County. It is rare to find basements in this area because we have clay soil and rock. The neighbor acr...
by birdy
Tue Jun 30, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: Seeking input on type of family car to purchase and whether to buy new or used
Replies: 37
Views: 1504

Re: Seeking input on type of family car to purchase and whether to buy new or used

Reading Consumer Reports is an excellent idea! That is what I have used "forever" to decide on my cars. I have always purchased new and keep my cars till they wear out. I currently drive a 2003 Pontiac Vibe which has given me zero problems! It is a 4-door with hatchback and I can fit 23 bags of bark...
by birdy
Wed Jun 24, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: Perigold (Wayfair affliate) Furniture
Replies: 9
Views: 515

Re: Perigold (Wayfair affliate) Furniture

I just wanted to comment on the length of time it takes for items to be delivered to your home. I am good friends with my mailperson. She was just telling me this morning (yelling from a distance conversation!) that two people in her small substation have just been diagnosed with COVID. She was tell...
by birdy
Thu Jun 18, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13333

Re: Parents in a tough situation for retirement

Quirkz and JackFFR1846 have given you sound advice in my opinion. 1) My mother got an inheritance about 20 years ago and I suggested a Bogleheads solution. My Dad took her money and ran down to the bank and gave it all to some "investment consultant" who promptly put her money into front load funds ...
by birdy
Thu Jun 18, 2020 4:18 pm
Forum: Personal Investments
Topic: Move into bonds/cash/money market before the bubble bursts?
Replies: 50
Views: 4887

Re: Move into bonds/cash/money market before the bubble bursts?

Is Granthan British? I wondered because of his slang "gobsmacked". Do what I did to get to multimillionaire status without being a high (doctor, CEO, etc.) income. Pick the best (for yourself) Vanguard/Fidelity Mutual funds and add to them regularly. Do NOT try to time the market. Markets go up and ...
by birdy
Sat Jun 06, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1954
Views: 212259

Re: [What TV Show Have You Recently Watched?]

A cute little comedy called Broke (on cable)

birdy
by birdy
Fri Jun 05, 2020 12:59 pm
Forum: Personal Investments
Topic: Newbie stupid question??
Replies: 20
Views: 1493

Re: Newbie stupid question??

Timeshare Queen: Why did you save all your money.....to be able to enjoy it in retirement! Definitely take those trips and eat at nice restaurants if that is what makes you happy! We don't drive fancy cars or have a large home because that is not what makes us happy! Travel is what we enjoy and we d...
by birdy
Thu Jun 04, 2020 1:23 pm
Forum: Personal Investments
Topic: Newbie stupid question??
Replies: 20
Views: 1493

Re: Newbie stupid question??

Hi Newbie! There are ABSOLUTELY NO STUPID QUESTIONS! Staying uneducated is "stupid". Because of this website, I became a multimillionaire and sleep like a baby! What is currently happening with the markets I mostly ignore because I long ago decided to follow Mr. Bogle's advice and stay the course. I...
by birdy
Fri May 01, 2020 10:51 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 282
Views: 33309

Re: What have you baked recently?

Here in Dallas I have not been able to find flour nor yeast and have been trying to get it for 4 weeks now. I am depending on muffin mixes and frozen cookie dough. Can I trade anyone toilet paper for some unbleached flour!!!!!?????

birdy
by birdy
Thu Feb 27, 2020 12:52 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1639
Views: 135089

Re: Coronavirus (Consumer Issues) How you are preparing?

I have a 21 day cruise to South America booked for 3/2/20. I am still going. I was on the same ship last January to Antarctica. Every public space in the ship had a hand sanitizer station (and they had crew there to make sure you used it). They also had hand sanitizer when boarding and at every port...
by birdy
Sat Feb 15, 2020 5:14 pm
Forum: Personal Consumer Issues
Topic: Recommendation for a Great Stapler
Replies: 32
Views: 1923

Re: Recommendation for a Great Stapler

I have been using a PaperPro One Finger. 25 sheet Power "The Prodigy". Staples easily with very little pressure. Never have to pull staples out that didn't staple correctly (and has never jammed up!)

birdy
by birdy
Sun Feb 02, 2020 6:22 pm
Forum: Personal Consumer Issues
Topic: paying cleaning lady
Replies: 49
Views: 4964

Re: paying cleaning lady

I have been using the same FAMILY of housekeepers for 15 years! Started with the daughter. She opened her own resale shop and ask me if her parents could clean for me. I said sure. Usually the mother/father come and clean for about 2 hours. $80 two times a month. Some times my original housekeeper c...
by birdy
Sun Feb 02, 2020 5:53 pm
Forum: Personal Consumer Issues
Topic: What's the difference between Uber and Lyft?
Replies: 63
Views: 5413

Re: What's the difference between Uber and Lyft?

We are taking a cruise next month, and when I went to book my Super Shuttle shared van I discovered they went out of business! I have never used Uber or lift but have heard friends complain about drivers cancelling their pick ups. When you have a flight to catch, I want to make sure someone comes wh...
by birdy
Sun Feb 02, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: Is it okay to install home monitoring cameras to watch elderly mom with dementia? What type to use?
Replies: 30
Views: 2818

Re: Is it okay to install home monitoring cameras to watch elderly mom with dementia? What type to use?

When mother in law went into dementia care, we told the company we were going to put in a nest system in her room. It was fine with them. It helped us enormously when she started falling and didn't call for help. We also found that no showers were being given on a weekly basis. We could call the nur...
by birdy
Sun Feb 02, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Uneven crack in sidewalk in front of my house, am I liable?
Replies: 37
Views: 3356

Re: Uneven crack in sidewalk in front of my house, am I liable?

I saw the City repairing roads/curbs in my neighborhood several years ago. I walked over and talked to the foreman about my sidewalk deteriorating in front of my house. They came over several days later and tore out the old portion of sidewalk and replaced it. It never hurts to be nice to workmen! C...
by birdy
Sun Feb 02, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Family Summer Vacation Idea
Replies: 22
Views: 1344

Re: Family Summer Vacation Idea

Alaska! The cruise I took had a "kids club". We watched kids having a scavenger hunt ect. with great camp "counselors" who kept them totally entertained!
by birdy
Sun Jan 12, 2020 4:30 pm
Forum: Personal Investments
Topic: New Here Fidelity or Vanguard
Replies: 115
Views: 7238

Re: New Here Fidelity or Vanguard

We have money in both companies.

birdy
by birdy
Fri Jan 10, 2020 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: House Hunting with Family Pressure
Replies: 42
Views: 3096

Re: House Hunting with Family Pressure

Everyone has their own idea of an ideal location to live. Mine were decent weather (not much snow), low cost of living, affordable housing and close to an international airport. I live in Texas and my parents and sister live in Washington State. I don't see them often but we talk on the phone weekly...
by birdy
Fri Jan 10, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: 1 yr ban of 401K contribution?
Replies: 66
Views: 7137

Re: 1 yr ban of 401K contribution?

To get through the one year, max your ROTH contribution! Put your money in a savings account Don't spend it. You can always save in a CD ladder or other post-tax (non-401K) index fund.

birdy
by birdy
Thu Oct 31, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Amica Vs Travelers Home Insurance
Replies: 18
Views: 1313

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: 1313

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: 5199

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: 6452

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: 3404

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: 10470

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: 6153

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: 10650

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: 5160

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: 1477
Views: 170809

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: 1477
Views: 170809

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: 14729

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: 1779

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: 5256

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: 682

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: 3346

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: 4880

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: 10056

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: 28541

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: 8853

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: 5829

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: 58
Views: 19185

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: 13149

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: 8923

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: 13876

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: 22280

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: 2249

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...