Search found 138 matches

by lexie2000
Mon Jul 08, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 71
Views: 6126

Re: (Tall) Buyer Beware: Honda Accord.

Just a word of advice: If you're in the market for an Accord, spend 30 minutes in the drivers seat before signing on the line. Good advice, but it applies for any car - not just Accords. The last time I was in the market for a sedan, I spent more than 30 minutes in both an Accord and a Camry. For m...
by lexie2000
Fri Jul 05, 2019 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 21062

Re: Do you share your net worth with family members?

No we don't. People, even family members, can get "weird" about money.
by lexie2000
Mon Jun 24, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Used Minivan - Recommendations?
Replies: 34
Views: 1567

Re: Used Minivan - Recommendations?

We had a Caravan that we got mostly reliable 11 years of service out of with the exception of a $2,000 transmission failure around year 8 or 9. We have an Odyssey now that we bought new because used ones do not seem to be much of a savings over buying new and keeping for 10+ years. We didn’t look a...
by lexie2000
Thu Jun 13, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11513

Re: Retired at 35 and have no friends :(

Do your "friends" have to be people who are your own age? There are a lot of older retirees who are active.
by lexie2000
Wed Jun 05, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Being given charity that I don't need
Replies: 51
Views: 4843

Re: Being given charity that I don't need

Maybe she just inherited a bundle, loves what she does, and is paying it forward by giving people discounts.
by lexie2000
Fri May 17, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax vs. Income Tax vs. Sales Tax in Retirement
Replies: 27
Views: 2128

Re: Property Tax vs. Income Tax vs. Sales Tax in Retirement

Ah, but is the question between "more expensive" vs. "less desirable" locations a fair one? For some people there are only 1-2 places they'd be happy; for others 10-12. Also I've visited places in this country that would be fantastic to live, still less than an hour from good medical care; the only...
by lexie2000
Thu May 16, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax vs. Income Tax vs. Sales Tax in Retirement
Replies: 27
Views: 2128

Re: Property Tax vs. Income Tax vs. Sales Tax in Retirement

This is all very interesting and helpful. As has been said, many expenses are scalable, but not property tax. Actively working I can live with it for the trade-offs of my home and situation, but in retirement I see it not unlike a high ER for a fund. While somewhat of a thought experiment, there is...
by lexie2000
Thu May 16, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Property Tax vs. Income Tax vs. Sales Tax in Retirement
Replies: 27
Views: 2128

Re: Property Tax vs. Income Tax vs. Sales Tax in Retirement

For many reasons, taxes not being the main reason but one of the reasons, we relocated from the Bay Area in CA to a very rural community outside of Reno, NV for retirement. I must say that the tax savings for us have been HUGE. The state of Nevada gets most of its revenue from the gaming industry so...
by lexie2000
Tue Apr 30, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9921

Re: EXTREMELY frugal things from our parents and grandparents

Sorry, I kind of screwed up the quote in my previous post and I don't know how to correct it.
by lexie2000
Tue Apr 30, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9921

Re: EXTREMELY frugal things from our parents and grandparents

- Carefully unwrap presents to save wrapping paper. We: OMG, I forgot all about this until I read the post. My mom made us unwrap all our Christmas gifts very carefully so that she could reuse the paper and the bows. My mom always made her grocery list dependent on what was on sale that week and st...
by lexie2000
Fri Apr 19, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 41
Views: 4273

Re: Need vacuum recomendations

It's doing just fine. I forgot that I had posted this! You do have to take the filters apart to clean them once in a while, but it's really no biggie. It picks up the cat hair, and gets all of the dirt and gravel well. I just wanted to let you know that if you want to cut down on the dirt and grave...
by lexie2000
Mon Apr 15, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 10656

Re: seriously thinking about leaving S. CA but where to?

We are retired. Almost 4 yrs. ago, we left CA for the Reno/Carson area and have never looked back. Yes, we get some snow in the winter (which I love) and it is a drier climate overall than CA, but we love it. Lake Tahoe is about 30-40 minutes from our front door. Skiing is very close too. If you lik...
by lexie2000
Sat Mar 09, 2019 1:04 am
Forum: Personal Finance (Not Investing)
Topic: When were you able to max out your 401k, IRAs?
Replies: 69
Views: 5291

Re: When were you able to max out your 401k, IRAs?

We both maxed out right away. We were DINKs living below our means. We were living off of one income and saving the other so it did not affect our lifestyle at all. We continued maxing through the purchase of our first home and then when we went to a single income.
by lexie2000
Thu Feb 28, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move to a high cost of living area?
Replies: 48
Views: 2449

Re: Should I move to a high cost of living area?

Is your work going to also be in Marin or will you be commuting into San Francisco or beyond? I lived in the Bay Area for 30 years (left in 2014), and I can tell you that while it's beautiful the commute is horrible. I left because 1) the politics was becoming unbearable, 2) I didn't want my ultima...
by lexie2000
Thu Feb 28, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 7735

Re: Who does their own taxes?

I've done my/our taxes for the last 45 years, with the exception of 2 years when I had some complex issues and wanted to make sure that I didn't get into trouble with Uncle Sam. I print the forms off the irs website, fill them out, make copies, and mail them in. This year I had (5) forms to fill out...
by lexie2000
Thu Feb 28, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 4580

Re: Going to "cash-only" restaurants?

We used to go to a restaurant close by fairly frequently (2-3 times/mo.) that went to cash only over a year ago AND raised their prices fairly substantially. Now, they're lucky if we go there once a month. The cash only thing is not convenient (we don't use ATMs) and, unfortunately, they are now ove...
by lexie2000
Thu Feb 28, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 9326

Re: How do YOU make coffee?

With a coffee pot!! :P We use a drip coffee maker and canned, ground decaf. I can't have a lot of caffeine for medical reasons. Can someone explain to me the whole K-cups thing. No offense to people who like them (like my sister), but I just don't get it. The coffee doesn't seem to be any better (to...
by lexie2000
Thu Feb 28, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94631

Re: What frugal thing did you do today?

I found McCafe decaf on closeout for $1.99/24 oz. can. That is $.12/oz. cheaper than Kirkland's. I read reviews (which were all pretty good) and researched shelf life. I bought enough to keep me in coffee for a while. BTW, it's the smoothest decaf I've ever had.
by lexie2000
Thu Feb 14, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)
Replies: 75
Views: 8933

Re: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)

When I bought my car in 2015, I got the Costco price and was able to negotiate a couple thousand less than that with the dealer. I had to walk away from their "deal"; 30 minutes later they called me and gave me my price in addition to all-weather floor mats that I had wanted but had not previously a...
by lexie2000
Thu Feb 14, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: What Tech Gadget Would you Buy?
Replies: 85
Views: 5779

Re: What Tech Gadget Would you Buy?

None. We have a smart tv, but didn't buy it because it was "smart". We both have hp laptops. We don't even have smarty pants phones.
by lexie2000
Mon Feb 11, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: When You Realized You Don't Need 401k in Retirement...
Replies: 34
Views: 3719

Re: When You Realized You Don't Need 401k in Retirement...

I agree with other posters - you are making a lot of assumptions that could change. Here are some that happened to us. When planning for retirement, we never included getting SS. We figured if we got it, it would be icing on the cake. On the other hand, we never planned that our pre-medicare retiree...
by lexie2000
Wed Jan 30, 2019 9:42 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94631

Re: What frugal thing did you do today?

I found 16 oz. Jimmy Dean breakfast sausage chubs at the 99 Cent Store for $1. The chub said use or freeze by 2/9/19. The same chub is $4.49 at Smith's. We stocked up and put them in the freezer for later use. I did the same thing when I found 16 oz. Oscar Mayer Hardwood Smoked Bacon for $1 at the 9...
by lexie2000
Fri Jan 25, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: How will you spend your retirement money?
Replies: 86
Views: 10032

Re: How will you spend your retirement money?

We relocated to another state 2 yrs. after DH retired. We did not plan it, but while away on a short trip, DH stumbled on this area and a spec home for sale. He came home and told me about it and a couple days later I was there checking it out and we decided to go for it. It was the best decision we...
by lexie2000
Fri Jan 25, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Plenty of Water but no Water Bill
Replies: 21
Views: 2403

Re: Plenty of Water but no Water Bill

We have plenty of water, but no water bill also.....we have a well. :wink:
by lexie2000
Fri Jan 25, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Trip insurance: claims experience?
Replies: 10
Views: 790

Re: Trip insurance: claims experience?

We recently filed a claim on trip insurance that we took out on renting an air B&B in an area where we had planned on going deep sea fishing in Oregon. We had (4) in our party and one of the vacationers found out that she had stage 1 breast cancer the day before they were going to leave to fly out. ...
by lexie2000
Fri Jan 25, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 21922

Re: Why doesn't a lot of money feel like a lot of money?

"Marginal utility of money". Google it. The reason why it does not feel like a lot of money is also behind all progressive taxation systems. This is the correct answer. The inverse of this is the marginal propensity to save. When I was young, my first paycheck over $1,000 seemed giant and I had the...
by lexie2000
Fri Jan 25, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 21922

Re: Why doesn't a lot of money feel like a lot of money?

The first time my wife got a $5000 bonus, we went out to a bar, drank way too much, woke up in bed the next morning, with a box of half-eaten pizza in the bed with us. :) Bonuses after that were just deposited in our Vanguard account. A lot of money still feels like a lot of money to us. We still h...
by lexie2000
Fri Jan 25, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 21922

Re: Why doesn't a lot of money feel like a lot of money?

If it helps, convert it to brand new Cadillacs. They run around $50,000 so think of the bonus as how many ever brand new Cadillacs it would buy. If it is quite a large number them and you are overwhelmed, bump it up to Mercedes-Benzes ($100,000), Bentleys ($300,000) or modest NYC apartments ($1MM)....
by lexie2000
Fri Jan 25, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 21922

Re: Why doesn't a lot of money feel like a lot of money?

I have a different experience. I think almost every single day that I'm extremely fortunate to be wealthy, and that some of the things we envision would simply not be possible otherwise (e.g. buying a house in cash). Money doesn't buy happiness, but it definitely contributes to it. For me it would ...
by lexie2000
Fri Jan 25, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 21922

Re: Why doesn't a lot of money feel like a lot of money?

Throughout our lives, we had many "money goals"; eventually, the ultimate goal was to hit double commas in net worth. I had imagined that I would feel some level of elation that day. When the day came, I did feel a small sense of achievement, but that was about all. Hitting doube commas didn't chang...
by lexie2000
Thu Jan 24, 2019 12:58 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 45406

Re: What lifestyle creep made you happier?

Buying a Can Am Commander

My DH thought it was for him, but when we bought it, I knew it was for me. I use it to haul stuff on the property. Backing it out of the garage and off-roading into the hills isn't too bad either.
by lexie2000
Mon Jan 21, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9794

Re: Grocery shopping strategy

Has anyone ever watched those coupon shows where the folks leave the store for pennies with shopping carts? Insane. I don't believe that show has been on for a very long time. Today, with the restrictions that manufacturers have put on the use of their coupons and the new retailer coupon policies, ...
by lexie2000
Sun Jan 20, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9794

Re: Grocery shopping strategy

Has anyone ever watched those coupon shows where the folks leave the store for pennies with shopping carts? Insane. Carts full of stuff they won't use in a lifetime! A lot of the over-purchasing on that show was done for effect. A lot of the product purchased was often donated to a food pantry or s...
by lexie2000
Sun Jan 20, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9794

Re: Grocery shopping strategy

Has anyone ever watched those coupon shows where the folks leave the store for pennies with shopping carts? Insane. Carts full of stuff they won't use in a lifetime! A lot of the over-purchasing on that show was done for effect. A lot of the product purchased was often donated to a food pantry or s...
by lexie2000
Sun Jan 20, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9794

Re: Grocery shopping strategy

Has anyone ever watched those coupon shows where the folks leave the store for pennies with shopping carts? Insane. I don't believe that show has been on for a very long time. Today, with the restrictions that manufacturers have put on the use of their coupons and the new retailer coupon policies, ...
by lexie2000
Sun Jan 20, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9794

Re: Grocery shopping strategy

There are several tricks to lowering grocery costs. The most basic is to select the store in your area that has the best ads (the lowest sales prices on a regular basis) and to do your menu planning around what is on sale that week. If boneless, skinless chicken breast is on sale, but one package fo...
by lexie2000
Sun Jan 20, 2019 4:13 am
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 5719

Re: Is California worth the premium?

San Diego was home from 1999-2014. We kept our house here when we moved 2,000 miles away for career reasons. We will always have a place here to spend weekends, but we will not live in California full time ever again, since being taxed to death is not a primary objective. Right now it's looking lik...
by lexie2000
Sun Jan 20, 2019 3:46 am
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 5719

Re: Is California worth the premium?

FWIW, for longtime homeowners, Prop13 has given California property owners great property tax rates and incentives to stay. Unless you make more than an 'average' income, the state income tax blended rate is competitive with most other states... (that said, it's very discouraging to work harder to ...
by lexie2000
Sun Jan 20, 2019 2:42 am
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 5719

Re: Is California worth the premium?

We know that there are still beautiful places to live in CA that are not as congested as the Bay Area and we seriously considered moving to a few of them, but in the end, we decided that we could find just as beautiful places to live out of state where we would not be taxed to death and our overall...
by lexie2000
Sat Jan 19, 2019 11:53 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 5719

Re: Is California worth the premium?

It wasn't to us. I was born and raised in CA. I lived in Contra Costa County - 8 yrs., Santa Cruz County - 9 yrs., Riverside County - 5 yrs., Santa Barbara County - 26 yrs., and finally, Santa Clara County - 10 yrs. We bought a beautiful retirement home in Santa Clara County when my husband was tran...
by lexie2000
Tue Jan 15, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 18123

Are You Dumping Netflix?

Netflix announced today that they will be increasing their subscription rates. The basic plan will increase 12.5% (from $7.99 to $8.99). The standard plan will increase 18.2% (from $10.99 to 12.99). The top-tier plan will increase 14.3% (from $13.99 to $15.99). We have been considering getting a fir...
by lexie2000
Thu Jan 10, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6416

Re: Building Wealth Through Home Equity--Myth or Reality?

We broke even on our first home - owned for 12 yrs. We made almost $500K on the sale of our second home - owned for 7 yrs. We lost $114K on the sale of our third home - owned for 10 yrs. Housing markets go up and down just like everything else. We were able to extract almost $500K in home equity whe...
by lexie2000
Thu Jan 10, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 45
Views: 4264

Re: Discounted Postage Stamps

If the adhesive is old, Elmer's glue works great. My mom had a bunch of old stamps that she gave to me. I separated them by value and put them in a plastic container. When I need to mail an envelope (not often), I find out what sending a letter costs (cuz I never can remember) and then grab the plas...
by lexie2000
Thu Jan 10, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 14622

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

We hit double commas in 2000. We had been out of college for 18 yrs. and single income for 11 of those 18. DH's income that year was $64K. We lived WAY below our means. Example: When we bought our starter home we used only half our savings for our down payment and used the other half for a healthy E...
by lexie2000
Sun Jan 06, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take inheritance into account when calculating net worth?
Replies: 68
Views: 5637

Re: Do you take inheritance into account when calculating net worth?

Absolutely not.

I plan as if I will never inherit...cuz I might not; but I knew more than one person that inheritance was there retirement plan.
by lexie2000
Sun Jan 06, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8844

Re: What Do You Spend The Most On Annually?

1. Federal Income Taxes
2. Health insurance, OOP Medical, OOP Dental

Everything else pales in comparison.
by lexie2000
Sun Jan 06, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone affected by the government shutdown?
Replies: 35
Views: 3083

Re: Anyone affected by the government shutdown?

OP: You are smart to have some backup savings. DH worked in the aerospace industry where a contract can be cut at any time. One layoff scare is all it took for us to realize that we needed a sizeable EF. We also started banking a little of his vacation every year as extra "unemployment insurance". T...
by lexie2000
Wed Jan 02, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 712
Views: 120515

Re: High Earners - What's Your Profession?

Aerospace Manager of Administration
by lexie2000
Wed Jan 02, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2662

Re: Snow Plowing

We have 1700 sq. ft. of driveway, walkway, and patio - I know cuz we sealed it in the late fall and I had to measure to order enough sealant. We also have a few hundred sq. ft. of decking (never measured it). I like to do it the old fashioned way - with a shovel. I usually do it all by myself, but i...
by lexie2000
Wed Jan 02, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Black licorice fans - suggestions?
Replies: 29
Views: 1574

Re: Black licorice fans - suggestions?

Good N Plenty!! LOL