Search found 389 matches

by Sunflower
Sat Dec 07, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2340

Re: New passport how long to obtain?

Renewed long expired passport very recently at the post office and was told 6-8 weeks. Received it in exactly two. Thanks to all for the replies. Sunflower, did you renew or did you have to obtain a new passport? My understanding is that if the passport was issued more then 15 years ago it can not ...
by Sunflower
Sat Dec 07, 2019 3:36 am
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2340

Re: New passport how long to obtain?

Renewed long expired passport very recently at the post office and was told 6-8 weeks. Received it in exactly two.
by Sunflower
Sat Oct 05, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6910

Re: Social Security Card as Identification for Real ID

I'm going through this now. I requested a birth certificate and was denied because the first name is different. I use my middle name, so EVERY document I have has my middle name listed first (including very old high school ID's). Luckily, it seems that an expired passport is accepted. I'll find out ...
by Sunflower
Sat Sep 28, 2019 2:18 pm
Forum: Forum Issues and Administration
Topic: Why don't members include location?
Replies: 25
Views: 2343

Re: Why don't members include location?

I don't live in the desert. I used to. I might again some day.
by Sunflower
Fri Aug 30, 2019 1:10 am
Forum: Personal Consumer Issues
Topic: How to clean baked on "carbon" from corners of old cookie sheets
Replies: 27
Views: 2303

Re: How to clean baked on "carbon" from corners of old cookie sheets

Baking soda-vinegar mixture, let set, scrub with aluminum foil.
by Sunflower
Thu Jul 25, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 6614

Re: Thank you notes,,, out of favor these days?

As a long-distance maiden aunt with no children, I sincerely appreciate and enjoy thank you notes from the nieces/nephews and now great-nieces/nephews, written specifically to me, in their handwriting and sometimes baby scrawl (with mom holding the pencil/crayon). The notes have given me such joy ov...
by Sunflower
Thu Jul 25, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: How do you deal with looking bad compared to others?
Replies: 77
Views: 5591

Re: How do you deal with looking bad compared to others?

Don't get defensive, they're trying to get a rise out of you. "Agree" with them. "We're so proud of my brother, he deserves his life, I'm so happy for him." "Yes, my little house is such a perfect fit for us, we're so blessed." Repeat positive thoughts to them over and over - they can't touch you.
by Sunflower
Tue May 07, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Kaiser HMO
Replies: 28
Views: 2682

Re: HDHP vs Kaiser HMO

In SF and been with Kaiser for two years. Still have some adjustment issues -- probably because I don't go that often and the system is so different to me. I like it quite a bit. They keep tabs on you and remind you it's time for certain appointments and if you're new they will "hound" you until you...
by Sunflower
Fri Mar 15, 2019 11:21 pm
Forum: Personal Investments
Topic: Most people wish they invested more and sooner. Any of you wish they invested less?
Replies: 38
Views: 4777

Re: Most people wish they invested more and sooner. Any of you wish they invested less?

No. Yes? It's more where/how the money was invested, like a few others have mentioned. I'm winding down my work years and have nothing in taxable, a nice amount in Roth IRA/401k and very nice amount in a traditional 401k. Now I struggle with the best way to do things - moving to a LCOL state and buy...
by Sunflower
Tue Jul 31, 2018 7:02 pm
Forum: Investing - Theory, News & General
Topic: Are women worse at investment?
Replies: 24
Views: 1753

Re: Are women worse at investment?

No, they just have less to invest.
by Sunflower
Sat Mar 03, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 382
Views: 160695

Re: How to Minimize Your Emergency Care Expenses

An ambulance ride costs $1500-2000. An Uber costs $20. If you need the ambulance, for heaven's sake call it. But if not, call an Uber. This also applies to interhospital transfers. "Doc, I don't want to go by ambulance because it's so expensive. I know there is the liability thing, but I'd be willi...
by Sunflower
Sun Nov 19, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 7960

Re: Where did you first learn about investing?

Grew up with unknowledgeable parents who only invested in government savings bonds. Luckily, Father had a stable federal government job and pension. In my early 20's a co-worker told me to open an IRA. I asked why and was told "because you're so young." I planned to, but tomorrow never came. In my l...
by Sunflower
Tue Sep 05, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Seattle in 3 days
Replies: 38
Views: 4087

Re: Seattle in 3 days

Ferry trip to Vancouver Island.
by Sunflower
Sat Jul 08, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 12835

Re: Last 80 minutes of my career

So how's your new life so far? :D Seriously, congratulations, I hope to follow your lead some day.
by Sunflower
Mon Jun 05, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Transcription Services
Replies: 9
Views: 1751

Re: Transcription Services

I haven't personally done this, but my understanding is the company(ies) pay a certain amount per hour, let's say $20 an hour. The catch is, it isn't your time, it's the dictation tape/file time. So, you may be given 60 minutes of dictation and depending on the situation or quality (a conference/int...
by Sunflower
Sun Apr 02, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 371
Views: 56056

Re: Low-earners- What is your profession?

Law office support staff in San Francisco, $60k-ish ($15k or so additional in company contributions/bonus). 55, single, no children, lifetime renter (rent control!), 401k millionnaire. Won't be retiring in CA.
by Sunflower
Thu Mar 30, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Is the secret to getting wealthy...
Replies: 48
Views: 6045

Re: Is the secret to getting wealthy...

There's a famously frugal guy in the Midwest who lives in the same house he bought in the fifties. He's still frugal, despite becoming a billionaire and trading the title of "Richest man in the US" with Bill Gates a few times. His name is Warren Buffet. And yes, he has spent money, but he doesn't l...
by Sunflower
Sat Mar 25, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 15124

Re: Do you have enough? How I realized yeah I do.

Every Saturday morning I get up, go to Starbucks for a venti latte ... after which I still got my latte ... Well, yeah, but think how much you'd have if you didn't go to Starbucks!! I kid. I kid. Just had to throw that at you. I also sit in a cafe and read this site (not Starbucks, there's just too...
by Sunflower
Fri Dec 16, 2016 10:03 pm
Forum: Personal Investments
Topic: Question re 401(k) contribution discrepancy
Replies: 3
Views: 523

Re: Question re 401(k) contribution discrepancy

Thank you for your responses, that makes perfect sense. Yes, it's on my W2.
by Sunflower
Thu Dec 15, 2016 6:00 pm
Forum: Personal Investments
Topic: Question re 401(k) contribution discrepancy
Replies: 3
Views: 523

Question re 401(k) contribution discrepancy

Last year my bonus was deposited into my 401(k) on the last day of December. It did not register until the next business day, i.e., the next year. My check stub says the amount was contributed for 2015, my 401(k) account claims the contribution was made in 2016. Which is the correct/legal deposit da...
by Sunflower
Sun Dec 11, 2016 9:39 pm
Forum: Investing - Theory, News & General
Topic: Teaching a 401(k) class at work...need input
Replies: 17
Views: 1907

Re: Teaching a 401(k) class at work...need input

Example: One of my teammates is about to retire next summer. He has been here 34 years. He came as asked me to help him look and see "how much he got in his retirement thing." We logged on and saw that he has a mere $110,000 that he did not know existed. That is all he has saved. His response: "I w...
by Sunflower
Fri Sep 09, 2016 5:25 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 14240

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

Being a customer for many years I find this really difficult to take. I wasn't one of the people swindled -- and check my accounts often looking for errors and abnormalities -- but I ran a credit report anyway. All day today a WF ad has been popping up on the internet and feeling snarky considered r...
by Sunflower
Tue Jul 26, 2016 4:01 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's home
Replies: 36
Views: 10972

Re: John Bogle's home

"We also have what I call our 'big old Adirondack barn,' which is a place that's been in my wife's family for more than 50 years. It's for ourselves and our six children and our 12 grandchildren; it's a nice refuge for them." I'm more curious about this old barn. Is the family all there at the same...
by Sunflower
Tue Jul 19, 2016 6:11 pm
Forum: Personal Consumer Issues
Topic: Bay Area Salary Thread
Replies: 22
Views: 3358

Re: Bay Area Salary Thread

What Bay Area? Is there only one? Ok, San Francisco Bay Area.

Salary = below median, no increase in salary (raise or cost of living) for 10 years.
The rest is even more depressing.

I'm going to go slit my wrists now. :x
by Sunflower
Sat Jul 09, 2016 6:36 pm
Forum: Personal Consumer Issues
Topic: What to do around Vegas during Winter?
Replies: 21
Views: 2831

Re: What to do around Vegas during Winter?

Well, I hate to be one of those people, but I'm going to suggest something you didn't ask. I went at Christmastime once and did a tour of Hoover Dam with a boat cruise on Lake Mead. We went up on deck on the boat and it was freaking cold! And beautiful. Honestly, the dam tour :D was a highlight of t...
by Sunflower
Thu Jul 07, 2016 3:03 pm
Forum: Investing - Theory, News & General
Topic: "Why most retirees will never spend down their portfolio" by Michael Kitces
Replies: 89
Views: 14930

Re: "Why most retirees will never spend down their portfolio" by Michael Kitces

In regards to our healthcare costs, I can give you our cost history in retirement after Medicare eligibility. I cannot advise you on pre-Medicare. This history includes out of pocket expenses including Medicare and supplemental insurance, but also non-insured medical expenses. They have been easily...
by Sunflower
Sun Jul 03, 2016 8:44 pm
Forum: Personal Investments
Topic: Accurately rebalance mutual fund portfolio [how to]
Replies: 24
Views: 2237

Re: Accurately rebalance mutual fund portfolio [how to]

I rebalance once a year when I put more money into my Roth IRA. It's pretty close to my desired percentages and I really don't sweat it if it's slightly off. Rebalancing more than quarterly is probably a headache. I have eight funds in my little Roth and I like playing with my Excel pie charts. My m...
by Sunflower
Thu Jun 09, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Are Rentals As Bad As Some Make Them Out To Be?
Replies: 66
Views: 9029

Re: Are Rentals As Bad As Some Make Them Out To Be?

Does anyone use a management company? How has that worked out?
by Sunflower
Sun Jun 05, 2016 12:37 am
Forum: Personal Consumer Issues
Topic: Is Cricket Wireless down for lots of people?
Replies: 21
Views: 5032

Re: Is Cricket Wireless down for lots of people?

I felt a little silly because I just convinced someone this week to switch to Cricket! d'oh! Been using it over a year and have had zero problems....until last night! Ha! I bought a Cricket phone and had it exactly one week before this system failure. To be honest though, I didn't notice and seems ...
by Sunflower
Sat May 21, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: series/ movies filmed in your home town?
Replies: 87
Views: 6458

Re: series/ movies filmed in your home town?

Surprised no one from San Francisco has stepped up! It's expensive but scenic so a lot of shows have establishing shots but the principal filming is in Vancouver (surprise). Not that long ago in my neighborhood, Woody Allen filmed a scene at a popular pizza parlor. More recently, Hugh Laurie filmed ...
by Sunflower
Sun May 01, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 91
Views: 15450

Re: WOW fantastic Cars in the Wild

Professional athlete. His mama taught him well, but he still needs to show off. It's a fine line straddling the fence.
by Sunflower
Tue Apr 26, 2016 1:08 am
Forum: Personal Finance (Not Investing)
Topic: If not Children - Who/What Leave Estate To?
Replies: 27
Views: 4843

Re: If not Children - Who/What Leave Estate To?

I'm also in this group. I have older siblings and nieces and nephews. I'd like to leave some to charity but I think the big deciding factor will be who (if anyone?) assists me in my old(er) age. It could be a relative, a neighbor or a hired caretaker. They may get the bulk. It's also true things may...
by Sunflower
Tue Apr 05, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Sensory Deprivation Tanks
Replies: 23
Views: 3377

Re: Sensory Deprivation Tanks

TheTimeLord wrote:Check out the movie "Altered States" with William Hurt.
I was going to mention this. Talk about regression session!
by Sunflower
Thu Mar 03, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Has your number changed?
Replies: 52
Views: 8974

Re: Has your number changed?

Not so much the amount of $$ I'll need has changed so much as the age I can retire keeps going up. :annoyed
by Sunflower
Fri Jan 29, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: Rain, what rain?
Replies: 17
Views: 2587

Re: Rain, what rain?

john94549 wrote:The January miracle turned into the January fizzle. Only folks in California would understand.
Well, in Northern California there are some people with threatened homes that would disagree with you. One has been razed already.
by Sunflower
Thu Jan 14, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 10248

Re: Does a BH play the lottery?

coffeehubcap wrote:Yes. I matched one number plus the power ball....do I get anything?
Yes! In California, that's a whole $5.
by Sunflower
Thu Jan 14, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 8677

Re: What's your company 401k contribution

10% of salary. Pretty much unheard of, I think. Very generous. It would be even more generous if I had a higher salary. :)
by Sunflower
Tue Jan 05, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 15405

Re: Savings % Target 2016?

Compared to y'all, I feel like I'm on the low end of the savings spectrum. Gross, I'll make about $3,333/month ($40k/annually). Of this, I plan on saving about $500/month (15%), and putting another $600/month (18%) toward debts. Think how much you'll be able to save when you pay off your debts! :D ...
by Sunflower
Wed Dec 02, 2015 3:34 pm
Forum: Personal Consumer Issues
Topic: "Congratulations on your purchase!" (But why?)
Replies: 27
Views: 6514

Re: "Congratulations on your purchase!" (But why?)

Congratulations are also offered for getting engaged/married. That one has stumped me. Is it "congratulations for finding someone to put up with you"? :P I guess it's more congratulations for doing what society expects of you, toeing the line. Ok, being cynical, but I don't understand some societal ...
by Sunflower
Tue Sep 08, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Young adult establishing credit
Replies: 20
Views: 1704

Re: Young adult establishing credit

I started with a secured credit card after being turned down left and right. Used it properly and a year or two later applied for and received a "real" credit card and cancelled the first, retrieving my money. Believe it or not, I got the application at the counter of a 7 Eleven for a bank in Minnes...
by Sunflower
Thu Sep 03, 2015 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Goal: Have $0 left when I die
Replies: 66
Views: 6604

Re: Goal: Have $0 left when I die

I guess the last check would go to the hitman. :|
by Sunflower
Sat Aug 29, 2015 5:31 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 143
Views: 14522

Re: Aug-15 correction: what Bogleheads did...

siamond wrote:WHAT ABOUT YOU, WHAT DID YOU DO?
Just stood there looking stupid, but that's my natural visage. :wink: I haven't had the guts to look at my account and don't think I will for a while.
by Sunflower
Sat Aug 29, 2015 5:25 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 75269

Re: Will you buy an Apple Watch?

Saw a guy the other day pay for his latte at Starbucks (of course) with his watch. In no way did this make me desire it; his wallet, on the other hand.... :greedy
by Sunflower
Thu Jun 25, 2015 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Rent a studio to save money or 1-bedroom that is twice the cost but in my "dream" area?
Replies: 36
Views: 9606

Re: Rent a studio to save money or 1-bedroom that is twice the cost but in my "dream" area?

You'll get different replies, but the main question in my mind is does the "better" apartment fall under rent control? In the longgggg run it may be a better decision. Of course, if you're planning on moving around .... Years ago, I found a one-bedroom apartment in a decent neighborhood. Still there...
by Sunflower
Sat Feb 21, 2015 5:36 pm
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 88
Views: 10814

Re: Prom budget for teenage girl?

Here there is just one prom that both juniors and seniors attend. Yes, one prom. You stated your daughter is a junior. Next year she'll be a senior and there will be another prom. Basically, your daughters will be going to two proms in a row. Just letting you know so you can get that wallet prepare...