Search found 574 matches

by Herekittykitty
Thu Oct 04, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 4058

Re: Black suit with dark brown shoes?

Some people will be put off by someone wearing that combination. Some people won't. More will be put off than won't. Few if any will look at it as an appropriate fashion statement. Some will think the person wearing that combination doesn't respect or care about the context/event/people putting on t...
by Herekittykitty
Wed Oct 03, 2018 6:11 am
Forum: Investing - Help with Personal Investments
Topic: 49 at a crossroads and seeking investment advice
Replies: 31
Views: 5323

Re: 49 at a crossroads and seeking investment advice

Educate yourself on SSDI for your wife. The first place to start is the Social Security website itself: https://www.ssa.gov/disability/ You are saying that it looks like your wife is permanently disabled as far as ability to work goes. If it is possible that is the case, then I would apply for SSDI....
by Herekittykitty
Mon Oct 01, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: What should you do if you have to use Facebook?
Replies: 22
Views: 2535

Re: What should you do if you have to use Facebook?

RickBoglehead wrote:
Sun Sep 30, 2018 9:51 am
...... and when someone identifies me in a picture I remove the identification.
How do you do that? Especially once someone has posted a photo of you into a post of theirs? Can you get it out and can you keep that from happening again with that person?
by Herekittykitty
Mon Oct 01, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 123
Views: 14772

Re: Sears, a 125 year old company is now a penny stock.

..... To some extent I think Sears and other companies like it started to treat the value proposition to their customers as an adjunct to finance or marketing decisions...... Makes sense to me. I'm wondering too if the employee experience is also an adjunct and if so, if that itself impacts the cus...
by Herekittykitty
Sat Sep 29, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 123
Views: 14772

Re: Sears, a 125 year old company is now a penny stock.

Alas. I miss the retailers such as Sears and Montgomery Ward, and when others go I will miss them too. Well, I miss what they were in their heyday. I don't miss what they have been for the past couple of decades.

It does indeed argue against stock picking.
by Herekittykitty
Thu Jul 12, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 366
Views: 19907

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads Podcast
by Herekittykitty
Sun Jul 08, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan to pay off debt?
Replies: 37
Views: 1934

Re: 401k loan to pay off debt?

So the total interest paid in the scenario is about $50 + $50 + $250 $ 1,500 = $1,850. Big woop-de-do. Some may not care about $1850. I usually do, especially if it's pretty easy. (Did not verify the arithmetic) Good point - and certainly there will be smart who agree with you. Yet I stick to my gu...
by Herekittykitty
Sun Jul 08, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan to pay off debt?
Replies: 37
Views: 1934

Re: 401k loan to pay off debt?

2,000 CC @ 11% (quick and easy win, high interest loan) 3,000 car @ 7% (quick and easy win, next highest interest loan) 5,000 car @ 2% (fairly quick win) 7,000 CC @ 0% but jumping to 14% next year (at 0% for at least 6 months, and will just be at 14% for just a few months because you will be paying ...
by Herekittykitty
Sat Jul 07, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan to pay off debt?
Replies: 37
Views: 1934

Re: 401k loan to pay off debt?

I currently have the following debt (33k): 2k at 11% (cc) 3k at 7% (auto) 16k at 6.5% (student loan) 5k at 2% (auto) 7k at 0%, goes to 14% next year. (CC balance transfer) Realistically I can pay off all debt in 2 years if I really try, or 3 years without making sacrifices. Would it be worth taking...
by Herekittykitty
Wed Jul 04, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 29
Views: 4322

Re: Relocating to Berlin upon retiring. Please critique my plan.

-How does one meet people in Berlin? Attend church, join service clubs, take classes, etc. ......You can also meet Germans by joining Mensa. The German Mensa chapter is the largest and most active in Europe...... Victoria Join Mensa? Quite a presumption,no? Joining Mensa is a good option for meetin...
by Herekittykitty
Sat Jun 30, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 11101

Re: Lost out on promotion

I probably lost some points as I had recently complained about a junior engineer. He was and continues to steal time from the company. I was hoping to score points by being observant and worried about project. Nothing I said was inaccurate or disrespectful, but probably worked against me. My boss r...
by Herekittykitty
Tue Jun 26, 2018 5:20 am
Forum: Personal Consumer Issues
Topic: San Antonio and Austin trip
Replies: 23
Views: 1644

Re: San Antonio and Austin trip

San Antonio Zoo. Train ride through Breckenridge Park. Witte Museum. Japanese Sunken Gardens. All close together and can be done in a day, or pick one or two (especially the zoo) and do that.
by Herekittykitty
Mon Jun 18, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 7607

Re: can we afford to spend $20K on travel annually

Anyone else think 39 is a bit young to be considered middle aged?! 39 is actually right at the midpoint of the total life expectancy for a U.S. male at age 39, so no, it seems appropriate to me. https://www.ssa.gov/oact/STATS/table4c6.html My mother always said that middle age is whatever age your ...
by Herekittykitty
Mon Jun 18, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 6310

Re: Lost job. Take early SS or draw from accounts?

.......That is very helpful to know. So the outlines of a plan emerge. Apply for Medicaid or subsidized ACA. Collect unemployment and draw from assets. Look for a job. If no job by end of unemployment, file for SS and continue to look for a job. If job found, repay SS. Add to the above Dottie's adv...
by Herekittykitty
Sun May 20, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5975

Re: Finance a $28,000 house for Brother?

I have suggested moving somewhere that has better prospects, but I guess he is worried that without education he would just get another low-wage job and have more expenses. It looks like he has a reason not to do anything that would move him forward. Including the things you did that moved you forw...
by Herekittykitty
Sun May 20, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5975

Re: Finance a $28,000 house for Brother?

You: Self-described "go to" person when your family members want to hit someone up for money U.T. grad I assume from your username Veteran I assume since you apparently qualify for VA benefits Employed, I assume Emergency fund $15,000 Paying off debt including properties Brother: Self described hitt...
by Herekittykitty
Sun May 13, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: free samples, magazines
Replies: 2
Views: 435

Re: free samples, magazines

I don't. Because samples and magazines aren't free - they come at the cost of your giving them your contact info (address, email) which they then use to send ads to your mailbox and/or email address and as a bonus they can also sell the info to other outfits to do the same. At least that is what it ...
by Herekittykitty
Thu May 10, 2018 6:26 am
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6489

Re: What's the view on dogs running free?

I wonder if there are any dog parks in the area you could suggest to them as an alternative to letting the dogs run free in the neighborhood. If so, you might check them out, maybe take pictures, and definitely get locations for them. I also am thinking they seem like decent people from what you des...
by Herekittykitty
Tue May 08, 2018 4:18 am
Forum: Personal Consumer Issues
Topic: Do we spend too much on food?
Replies: 71
Views: 6944

Re: Do we spend too much on food?

........ We typically go out about 1-2 times per week with our whole family and go to lunch separately with friends a couple times per week....... Assuming you separate out restaurant expense from food expense your food budget actually only covers: 5/7 (71%) - 6/7 (85.7%) of the family evening meal...
by Herekittykitty
Mon May 07, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 7028

Re: When to buy new underwear?

That's an easy question. To put it in terms of cost: You have a partner. Your partner wants you to change your underwear at a certain frequency and not wait longer than that. What is lower in cost? Replacing your underwear at a frequency that will make your partner happy, or replacing your partner a...
by Herekittykitty
Sun May 06, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 457b Stock/Bond & Bond Allocations Please
Replies: 5
Views: 501

Re: Help with 457b Stock/Bond & Bond Allocations Please

Ruralavalon thanks for the advice and the explanation. What you are saying makes sense and I'll make the changes. And I do see that I could take RMD's proportionally in keeping with my allocation at 70 or when I retire past 70, whichever it happens to be. I was just thinking there might come a point...
by Herekittykitty
Sun May 06, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Do we spend too much on food?
Replies: 71
Views: 6944

Re: Do we spend too much on food?

I don't know about Seattle, but in general you might want to consider what you consider "food" and what you consider household supplies such as cleaning supplies, also pet expense including pet food. You may also want to consider whether "eating out" is "food" or whether it is "entertainment." Likew...
by Herekittykitty
Sun May 06, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Help with 457b Stock/Bond & Bond Allocations Please
Replies: 5
Views: 501

Re: Help with 457b Stock/Bond & Bond Allocations Please

PFInterest wrote:
Sat May 05, 2018 11:30 pm
vanguard total bond. dont look back.
65:35 is definitely rich, but sounds like you dont necessarily need all the money.
That's what I'm thinking about VG Total Bond too.

But I don't understand the term "definitely rich" in this context. Can you clarify?
by Herekittykitty
Sat May 05, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 457b Stock/Bond & Bond Allocations Please
Replies: 5
Views: 501

Help with 457b Stock/Bond & Bond Allocations Please

I am widowed, 68, healthy, close to retirement (within a few years but could retire now), no debt including no mortgage, own my home in a medium cost of living area that I like, have a good emergency fund, and income will be fine with pension plus Social Security. Unlikely to need withdrawals from 4...
by Herekittykitty
Sun Apr 29, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Staged Retirement
Replies: 12
Views: 2229

Re: Staged Retirement

....... Here’s some context, my spouse and I (and our chickens!) live in Denver, right in the city and like it a lot....... .......We’re probably 3-5 years away from retirement and at that time would be in our early 60’s (me)/late 50’s (spouse). We want to leave Denver for retirement and stay in th...
by Herekittykitty
Sat Apr 28, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Would you make this financial decision??
Replies: 18
Views: 1938

Re: Would you make this financial decision??

"Would you make this financial decision??"

Nope.
by Herekittykitty
Mon Apr 23, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 3276

Re: Coffee maker recommendations

I'm in an apartment, but maybe this could be adapted to your situation: I make coffee the evening before and zap it in the microwave the next morning. Usually I just leave it on the counter in a big mug with a lid in between making it and and zapping it in the morning, although maybe I should keep i...
by Herekittykitty
Sun Apr 08, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 17310

Re: Parents have zero savings. What can I do?

Woops - triple post.

Time for a nap.
by Herekittykitty
Sun Apr 08, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 17310

Re: Parents have zero savings. What can I do?

Here are a few questions and comments. You or your wife may already know the answers to some of the questions, and they might consider the rest as more benign than "pointed questions." If you can edit the answers into your first post, it can help better advise you. You and your wife: How long have y...
by Herekittykitty
Sun Apr 01, 2018 1:28 am
Forum: Personal Finance (Not Investing)
Topic: Should I loan my child money for college?
Replies: 73
Views: 6408

Re: Should I loan my child money for college?

To reinforce some of it, I would add part of my experience: My first degree was a 2 year degree from a community college. My second was a B.S. from a state school. My 3rd degree was an M.D. from a state medical school. I wouldn't do it differently. Herekittykitty: You are an exception, not the norm...
by Herekittykitty
Sat Mar 31, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Should I loan my child money for college?
Replies: 73
Views: 6408

Re: Should I loan my child money for college?

You are getting lots of good advice here. To reinforce some of it, I would add part of my experience: My first degree was a 2 year degree from a community college. My second was a B.S. from a state school. My 3rd degree was an M.D. from a state medical school. I wouldn't do it differently. I would a...
by Herekittykitty
Fri Mar 30, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Debt Hole Repayment
Replies: 35
Views: 3957

Re: Debt Hole Repayment

Good for you for recognizing the situation and asking the questions at age 29 and not older. I will add to the advice you are already getting - budgets are powerful. A budget puts you in charge of your money. You can use pencil and paper (I admit to that), spreadsheets, commercial programs, whatever...
by Herekittykitty
Sun Mar 25, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 28241

Re: Anyone Deleting Facebook?

I'm in my 60's, female, boring, and in addition I'm not tech savvy. Nor do I spend a lot of time on social media such as Facebook. As the last elections ramped up, I got various awful political ads from first one side then the other then back again. I didn't click on them. It seemed like someone was...
by Herekittykitty
Sun Feb 25, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: manual typewriters?
Replies: 43
Views: 2764

Re: manual typewriters?

Those were the days, my friend. I started out on my mother's Royal, then she got me a Smith Corona to really learn on - along with a course consisting of a book, records, and sticky tabs with which to cover the keys. Many a high school paper was typed on that Smith Corona.
by Herekittykitty
Sun Feb 25, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Small Personal Loans for Mixed Martial Arts Training
Replies: 35
Views: 3240

Re: Small Personal Loans for Mixed Martial Arts Training

If you are considering taking out at $1,500 loan with interest and paying it off in 6 months to a year, how do those loan payments work with a budget that has $150 a month leeway? It does not look to me like not only do you not have the $1,500 now, you cannot afford the payments with your current bu...
by Herekittykitty
Sun Feb 11, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: A bill from the doctor - how/should I contest?
Replies: 44
Views: 4498

Re: A bill from the doctor - how/should I contest?

One wonders what is going to keep the doctor's office from sending more bills for "behind the scenes services" if the situation isn't resolved now. Indeed I would ask for the insurance EOB, the diagnostic code for the "behind the scenes services" and all associated documentation. This may be able to...
by Herekittykitty
Tue Feb 06, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Collections of debts of minors
Replies: 21
Views: 2144

Re: Collections of debts of minors

I did get through today and had to make a few calls but ultimately account was cancelled and amounts waived. They were more cooperative than I thought. I had called yesterday and got weekend customer support who were very unhelpful. I appreciate the various comments. Teenagers have their own unique...
by Herekittykitty
Tue Feb 06, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: Young vs Middle Aged?
Replies: 32
Views: 3514

Re: Young vs Middle Aged?

Middle age is whatever age your parents are.

:D
by Herekittykitty
Mon Feb 05, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Collections of debts of minors
Replies: 21
Views: 2144

Re: Collections of debts of minors

There is a lot of merit to this, and I may give it more consideration. Without getting into too much specifics, she's not your normal kid, has some psych issues, and you really have to pick your battles where you want to go to the mat, because sometimes the cost to all involved is very high. This l...
by Herekittykitty
Sun Feb 04, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 7451

Re: Relearning Calculus

I would love to restart my mathematics education just for pure enjoyment. I only got as far as linear algebra and differential equations before getting side tracked onto other "more practical" endeavors. But I remember the first time I finally understood the meaning of integral calculus and it was ...
by Herekittykitty
Sun Feb 04, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Collections of debts of minors
Replies: 21
Views: 2144

Re: Collections of debts of minors

You didn't ask, but I have raised 3 kids and from that perspective, I would make my daughter pay the bill. Age 14/15 is plenty old for her to have known she was getting someone else to do work for her and that she owed the money. The fact that she hasn't used the service for which she agreed to pay ...
by Herekittykitty
Sat Feb 03, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 151
Views: 11695

Re: How risky is Med school student loan debt?

If graduation rate is 100% and everyone who graduates has a wonderful income then there is low risk. But the graduation rate is not 100% and not everyone who graduates has a wonderful income. In fact, not everyone graduates from medical school. Not everyone who graduates from medical school gets in...
by Herekittykitty
Fri Feb 02, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 7451

Re: Relearning Calculus

If you struggled with Calculus 1-3 and want to re-learn Calculus from the ground up, I don't think I would start with a Calculus book I would start with Algebra and make sure I had Algebra down cold. Then I would learn Trigonometry cold. Then possibly Geometry or Pre-calculus, or you may be okay wit...
by Herekittykitty
Tue Jan 23, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 10730

Re: Working in the real world

It looks like your wife earned a good income as a bank clerk in the 1970's. And she raised a daughter who got a degree in finance/accounting. I bet your wife is a smart woman. I am wondering if she thinks the dry cleaners is the only place she can get work, and what she is getting out of it regardle...
by Herekittykitty
Sat Jan 20, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Mother In Law's new boyfriend...
Replies: 28
Views: 3763

Re: Mother In Law's new boyfriend...

If records of the boyfriend's previous divorce proceedings are available, it could be instructive to have a look. One would be looking for any helpful specific information, but also patterns, especially considering the history of multiple marriages. And if any of the marriages ended in death, especi...
by Herekittykitty
Mon Jan 01, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 151
Views: 12600

Re: What non fiction book will you be reading in 2018?

Currently: "The 5 Choices, the Path to Extraordinary Productivity." It is dedicated to Stephen Covey, and his work is part of the foundation of the book. I've gotten through a little of it and so far it looks good. I'm slow in putting together my reading list, so I don't know yet what comes after th...
by Herekittykitty
Sun Dec 17, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Overnight guests
Replies: 15
Views: 2049

Re: Overnight guests

I would like to look at this from a different perspective. Your husband and cousin work together, the cousin lives an hour and a half away, presumably the hour and a half is when the snow/ice aren't bad, or is it an hour and a half when there are snow and ice? In any case, the cousin has a significa...
by Herekittykitty
Sun Nov 26, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Discovered debt
Replies: 63
Views: 8835

Re: Discovered debt

300k in taxable accounts, 200k in cc debt. Pay off the debt, cut up his cc and freeze credit and not give him the pin if she does not want a divorce. Dissolve “business” that has never made any money. All mail is opened by and all finances controlled by wife. I would consider this to be ‘financial ...