Search found 121 matches

by Achelois
Mon Oct 01, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6726

Re: New Relationship - Best way to handle finances?

My girlfriend partially moved in with me recently. She still has her place but her contract will be up in two months. We have two children from previous relationships. We go out eating few times a week and the bill is usually just under a hundred for the 4 of us. Plus sometimes if we at the mall an...
by Achelois
Sat Feb 03, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Basic Spanish Personal Finance Blogs
Replies: 3
Views: 579

Re: Basic Spanish Personal Finance Blogs

https://www.consumerfinance.gov/es/ This is a Spanish language site from consumerfinance.gov Amazon carries Spanish language translations of both Dave Ramsey and Suze Orman books, which possibly may help a bit. https://espanol.mycreditunion.gov/tools-resources/Pages/default.aspx A link to the site f...
by Achelois
Tue Jan 30, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: How to turn off Vanguard texting security feature
Replies: 21
Views: 7107

Re: How to turn off Vanguard texting security feature

I have the Vanguard 2FA set up so that I receive a phone call with the six-digit code. I am not very tech savvy, so would someone please tell me whether this is better, worse, or the same as the SMS or email method as far as security risk.

Thank you.
by Achelois
Tue Oct 10, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 52
Views: 5576

Re: What specific changes have you made post-Equifax?

Today I did get get online with the bank and enable alert for any transfers and balance alerts. Good to hear. I do have the dedicated laptop now, (I did not until this year when I had to get a new one)but cannot take credit for knowing to do this. There is a poster who I believe is on this site who...
by Achelois
Tue Oct 10, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 52
Views: 5576

Re: What specific changes have you made post-Equifax?

Thank you very much for your reply. I am going to look into these suggestions, especially at my bank. Also, I will try reading more threads on this site related to this matter. It would be much easier if I didn’t have to check my accounts or change my passwords so often—so if it is doing no good or...
by Achelois
Tue Oct 10, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 52
Views: 5576

Re: What specific changes have you made post-Equifax?

I check my balance every day. I think most people will advise against that. If you can do your banking/financial activities on a separate computer or in a VM (virtual machine), that would be preferable. Then, just log in when you need to. There apparently also is a "banking mode" in browsers, I thi...
by Achelois
Mon Oct 09, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 52
Views: 5576

Re: What specific changes have you made post-Equifax?

The only thing I have done after learning of the Equifax disaster was to freeze my credit at Equifax, Experian, Transunion, Innovis and Chex. I already had two-factor authentication at Vanguard and the restricted device enabled. I will look into the voice recognition thing as well now. I make my pas...
by Achelois
Wed Jun 28, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 18372

Re: How did you handle the costs of your child's wedding?

My husband and I paid for our wedding. It cost $50 for the JOP. That was in 1975, though, so it would be a bit more now.

If you want to give money for something, I encourage small wedding paid OOP and using any other money for house downpayment.
by Achelois
Fri May 26, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Are middle-aged breadwinners getting a raw deal?
Replies: 20
Views: 3631

Re: Are middle-aged breadwinners getting a raw deal?

It really sounds like you're being taken advantage of. Time to make some changes. If I were you, I'd suggest the wife get at least part-time work since it seems the kids are old enough to not need a stay at home mother, then she can fund her projects from that. The kids can keep within their allowa...
by Achelois
Sat May 13, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 71
Views: 8241

Re: How much to tip movers?

I haven't moved recently, but I did buy some new furniture which needed to be taken upstairs. The furniture was pretty heavy and the stairs steep. The two delivery guys were very careful with the furniture and with the walls and did not scratch either. Delivery and set up, together with removal of s...
by Achelois
Thu May 04, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 9811

Re: Favorite Financial Indulgences

I like to do things to my house. I am having an irrigation system installed. This is my indulgence for the year. Next year I would like to have the entire interior of the house painted. The following year, redo my driveway. The year after that, new carpet for the whole house. When larger home impro...
by Achelois
Thu May 04, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 9811

Re: Favorite Financial Indulgences

I like to do things to my house. I am having an irrigation system installed. This is my indulgence for the year. Next year I would like to have the entire interior of the house painted. The following year, redo my driveway. The year after that, new carpet for the whole house. I crochet a lot, so yar...
by Achelois
Mon Mar 06, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: QUICKEN failure today (3/6/2017)
Replies: 6
Views: 2883

Re: QUICKEN failure today (3/6/2017)

Thanks for posting. I tried but couldn't even get onto the site to get that announcement.

At least I know it's not on my end.
by Achelois
Sat Feb 25, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Kids in Apartment Sharing Bedroom - Workable?
Replies: 55
Views: 4773

Re: Kids in Apartment Sharing Bedroom - Workable?

Family of four living in a 1170 square foot, 2 bedroom apartment. Mom, dad, and two daughters 2 years and 3 weeks old. We've experienced massive rent increases in the last 5 years. Two bedroom apartments have increased in price from $700 in 2012 to $1215 for our most recent lease. Our lease is endi...
by Achelois
Mon Jan 02, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Another view on Vanguard security
Replies: 20
Views: 3122

Re: Another view on Vanguard security

Boater: I am not sure I understand exactly what you are asking, but with regard to the two-factor authentication, you can have Vanguard call your cellphone number, if you have a cellphone at all. You don't have to have SMS--I don't have texting on my iPhone (saves about thirty dollars a month). Vang...
by Achelois
Wed Nov 16, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: [Spouses with no interest in investing]
Replies: 62
Views: 8083

Re: spouses that careless about investing

I have been married nearly 30 yr and my husband still has no interest or clue about finances. He won't even learn and when I tell him things I learn he doesnt seem to care. I heard that often times there is only one person doing the investing which can be a good thing but this is beyond crazy. He w...
by Achelois
Tue May 10, 2016 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: That moment of panic...
Replies: 39
Views: 9385

Re: That moment of panic...

I never worried about any of this.

Until now.

Thanks, guys.

:)
by Achelois
Fri May 06, 2016 7:00 am
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 11919

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Unsweet iced tea, Dos Equis, or Cuervo Reserva de la Familia tequila.
by Achelois
Fri May 06, 2016 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 7040

Re: Do you check credit card statements?

I check all my financials daily : banks, credit cards, investments. Takes less than ten minutes.
by Achelois
Mon May 02, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House
Replies: 64
Views: 8512

Re: How Much House

Bought this current house new in 2005. I am single, so conservative; less than one-year's salary. I am now retired. Per comps in neighborhood and tax evaluation, value increased. About 1800 sq ft of living space. Just me and two dachshunds. Started with 15 yr tge after 20% down,, refinanced principa...
by Achelois
Wed Apr 13, 2016 6:12 am
Forum: Personal Finance (Not Investing)
Topic: How do you find more satisfaction while living below your means?
Replies: 52
Views: 6097

Re: How do you find more satisfaction while living below your mea

You see what's going on: But I don't want to end up chasing material goods and I feel as though things like these get on the way of finding true happiness. Give someone a why, and they'll make do with any old how. Nietzsche I think, though I can't find the source[/quote] I don't know about Nietzsch...
by Achelois
Sat Feb 20, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Saving
Replies: 68
Views: 7037

Re: Engagement Ring Saving

Here here jepalan! We bought matching rose gold bands 31 years ago. Never looked back. She didn't want a "sticky up" solitaire for a couple reasons, cost being only one of them. Not saying to find a different gal or anything... :twisted: If this is what you want, use savings. You won't want to post...
by Achelois
Thu Feb 18, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare insurance on taxes
Replies: 10
Views: 1216

Re: Healthcare insurance on taxes

Thanks, furwut and huey.

I have not yet received a 1095B or C from my former employer, but I will ask about it when I talk to them. I will call them again tomorrow afternoon if I don't hear from them in the morning.
by Achelois
Thu Feb 18, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare insurance on taxes
Replies: 10
Views: 1216

Re: Healthcare insurance on taxes

Thanks! I appreciate the good wishes. I feel fairly confident that my former employer's plan meets the requirements, but I have a call in to HR about it and am awaiting a reply. It is a hospital and very strict on compliance with regulations. I sent off the letter, though, because the one I received...
by Achelois
Wed Feb 17, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare insurance on taxes
Replies: 10
Views: 1216

Re: Healthcare insurance on taxes

Thank you again, Huey. I did send off a letter to the IRS, today. I explained that I had retiree health insurance and included my former employer's name/address/telephone, a copy of my bill for the insurance and insurance card. I explained that I had had this coverage continuously since I retired in...
by Achelois
Mon Feb 15, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare insurance on taxes
Replies: 10
Views: 1216

Re: Healthcare insurance on taxes

Thank you for your reply, Huey. Yes, there is an address to reply. I will write a letter of explanation. I can provide copies of my insurance card and the bills for the premiums and the address/contact information of my former employer. I am not sure how to show they meet the coverage requirements, ...
by Achelois
Mon Feb 15, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare insurance on taxes
Replies: 10
Views: 1216

Healthcare insurance on taxes

I have retiree healthcare insurance from my former employer. I pay premiums every month to the former employer. When I filed my taxes, I indicated that I had healthcare insurance all year and that, no, I did not have healthcare via the Healthcare.gov site. My return was accepted. I kept the employer...
by Achelois
Sat Jan 16, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 6473

Re: Does a BH play the lottery?

I buy a $1 ticket every year on my birthday because you just never know.
by Achelois
Sun Dec 27, 2015 9:08 am
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 8806

Re: [What will you do differently in] 2016

Eat out less.

Get the inside of my house painted.

Terrify and eliminate the weeds in my lawn.
by Achelois
Sat Dec 26, 2015 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage in retirement
Replies: 37
Views: 4595

Re: Mortgage in retirement

I refinanced at age 60 for 30 years, for a much lower rate. My PITI is only $665/month, though. I expect taxes and insurance will go up a bit over time. I will try to remember to invite all of you to the mortgage burning party at that time. Can we bring our walkers and attendants? FWIW to the OP, I...
by Achelois
Sat Dec 26, 2015 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house: Am I making a bad decision?
Replies: 45
Views: 5900

Re: Buying a house: Am I making a bad decision?

OP:

This method of buying a house reminds me of a Rube Goldberg device; I wouldn't do it.
by Achelois
Fri Dec 25, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 103
Views: 12999

Re: How to learn a second language

Have you considered Berlitz?

I do not know the cost, but learning can be done in person or via Skype; in groups or individually.

The Berlitz goal appears to be getting people confortable actually speaking and conversing in the language and getting over self-consciousness
by Achelois
Fri Nov 20, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage in retirement
Replies: 37
Views: 4595

Re: Mortgage in retirement

I refinanced at age 60 for 30 years, for a much lower rate. My PITI is only $665/month, though. I expect taxes and insurance will go up a bit over time.

I will try to remember to invite all of you to the mortgage burning party at that time.
by Achelois
Sun Nov 01, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Have?
Replies: 91
Views: 15583

Re: How Many Credit Cards Do You Have?

Two.

One to use and one as backup.
by Achelois
Tue Oct 20, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: trying to ge affairs in order, living will?
Replies: 15
Views: 1850

Re: trying to ge affairs in order, living will?

I am single. I have a will made out as well as a living will which addresses medical decisions should I become unable to make them myself and a power of attorney so that my son can handle financial affairs if I become incapacitated. I live in NC. These papers were drawn up about ten years ago at a c...
by Achelois
Tue Oct 20, 2015 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding whether to upgrade to a bigger home with arrival of the twins
Replies: 14
Views: 1366

Re: Deciding whether to upgrade to a bigger home with arrival of the twins

I was raised in a large family: two parents, seven children (four boys, three girls). We had three bedrooms, so there were the boys in one, the girls in the other and my parents in the third. We had only one bath. Our house was on one level with no basement, approximately 1100 sq ft. Closets were 18...
by Achelois
Sun Sep 13, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Pension Options- Lump Sum or Annuity?
Replies: 5
Views: 1093

Re: Pension Options- Lump Sum or Annuity?

@gatorman and respondents:

Thanks for this question and the responses. I recently had a similar decision to make (at approximately the same amount of money, too). I had opted for the lump sum and was second-guessing myself, but this post made me feel better about my decision.
by Achelois
Wed Sep 09, 2015 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Life lessons: Making loans to friends. Insights? Revelations?
Replies: 191
Views: 24564

Re: Life lessons: Making loans to friends. Insights? Revelations?

Several years ago, I lent money to two friends: $300 to one, $800 to the other. The one to whom I lent $800 paid me back within a year (she was struggling after a divorce and doing the best she could). The one to whom I lent the $300 never paid me back. I just wrote it off. Now I am retired and don'...
by Achelois
Fri Sep 04, 2015 10:47 am
Forum: Personal Finance (Not Investing)
Topic: becoming a landlord
Replies: 20
Views: 2506

Re: becoming a landlord

I had a duplex and a SFH which I sold when I moved to a different state. Join a local Landlord Association and ask questions. Learn about landlord-tenant laws and Section 8 regulations. Do not rent to Section 8 persons if you can legally avoid it. Have an attorney with experience in writing leases/d...
by Achelois
Thu Dec 11, 2014 11:25 am
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 15069

Re: "Why Retirement at 65 is a Fairy Tale"

I read the article and many of the comments which followed it. Many commenters seemed to hold very defeatist attitudes as if they were helpless to effect any change in their lives or exercise any control over them. Some who had achieved retirement were treated with sarcasm and told that they were "m...
by Achelois
Sat Oct 18, 2014 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 17504

Re: "I've had it" at work - how often

Every hour of every day at work for the past eight years.

I retired this June and cannot express how glad I am to be out.
by Achelois
Sun Aug 17, 2014 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 7244

Re: What was Underestimated\Overestimated in Retirement

I buy a few more audiobooks. My local library has a lot of ebooks available, too, but its audio selection is dismal. I have Netflix, but do not watch TV. I spend about $60 for audiobooks per month and $9 approximately for Netflix. Eating out about $120. Pedicure once per month $50. Haircut $25. FYI...
by Achelois
Sun Aug 17, 2014 8:42 am
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 7244

Re: What was Underestimated\Overestimated in Retirement

I have been retired only a short time, but dental and vision care are not covered by my insurance plan. I was able to continue health care insurance through my former employer at about half the amount I had estimated, so it is not a problem, but I had not realized that those two things would not be...
by Achelois
Sun Aug 17, 2014 8:02 am
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 6062

Re: Moving after retirement.

I used to live in NW PA and got tired of the long, gray winters. I was afraid I would fall and break a hip when older, too. That seems to do in a lot of older women. So, ten years ago, I changed employers and moved to NC not far from the coast. I recently retired. The cost of living where I am is mu...
by Achelois
Sun Aug 17, 2014 7:45 am
Forum: Personal Finance (Not Investing)
Topic: What was Underestimated\Overestimated in Retirement
Replies: 48
Views: 7244

Re: What was Underestimated\Overestimated in Retirement

I have been retired only a short time, but dental and vision care are not covered by my insurance plan. I was able to continue health care insurance through my former employer at about half the amount I had estimated, so it is not a problem, but I had not realized that those two things would not be ...
by Achelois
Sun Jun 08, 2014 6:10 am
Forum: Personal Consumer Issues
Topic: How to deny having a stroke?
Replies: 13
Views: 2241

Re: How to deny having a stroke?

It is possible to have either a stroke or a TIA due to clots in the heart from the fibrillation. If you " fell asleep" and then were floundering it is certainly possible you were experiencing a TIA or transient ischemic attack. The TIA doesn't leave permanent damage but is a warning. The bystander m...
by Achelois
Fri Jun 06, 2014 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Getting out of large student loan debt
Replies: 45
Views: 4786

Re: Getting out of large student loan debt

I am a CRNA myself, but struggling to understand the $300 k debt for that. The money will be good. Will she take call? If so, the money will be better, but will involve a lot of fatigue especially as she gets used to long hours and irregular schedules. If she takes call and can do it physically, she...
by Achelois
Mon Jun 02, 2014 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 13869

Re: Keeping up with the neighbors and Balance

You said it yourself, balance. It seems you are feeling a general dissatisfaction, so if you could pinpoint more closely what you would like to do, that would help. New paint spruces up a place and is not overly expensive. You could probably have the inside painted professionally for that $5500, tha...
by Achelois
Sun Jun 01, 2014 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Books on Good Financial Decisions for My Daughter
Replies: 14
Views: 1359

Re: Books on Good Financial Decisions for My Daughter

I gave my sons "personal Finance for Dummies" by Eric Tyson. It is simple to understand and very basic.