Search found 560 matches

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: 5141

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: 5141

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: 370

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: 5303

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: 5954

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: 5961

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: 397

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: 5954

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: 397

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: 397

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: 2005

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: 1624

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: 2904

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: 14838

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: 14838

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: 5467

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: 5467

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: 2957

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: 329
Views: 22696

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: 40
Views: 1774

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: 34
Views: 2736

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: 4120

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: 1988

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: 3028

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: 1988

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: 6355

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: 1988

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: 10006

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: 6355

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: 9283

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: 3560

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: 147
Views: 10427

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: 1924

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: 8192

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 ...
by Herekittykitty
Sun Nov 12, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 18887

Re: Flying business

.....In the end it is all about how you value your money. Most of us can have a lot of things but not everything. You need to decide if a seat for a couple hours maximizes you happiness or not...... Well put. However in my particular case, the physical pain can last a day or two. If it were just a ...
by Herekittykitty
Sun Nov 12, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 18887

Re: Flying first class, business, versus economy.

When I was younger I flew coach. The seats were large enough so that people could fit in them comfortably and there was adequate comfortable leg room. And the comfort amenities (such as being fed) were better. I recall a round trip to Hawaii from Texas in the 1970's. The seats in coach were large an...
by Herekittykitty
Sun Nov 12, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: A penny saved is NOT a penny earned ..
Replies: 16
Views: 2561

Re: A penny saved is NOT a penny earned ..

Looks like Benjamin Franklin's wise words in the early 1700's are even wiser today. "A penny saved is a penny earned" was wise advice then. Presumably instilling the wisdom that saving was a itself a virtue, not inferior to the virtue of earning. Perhaps he would say now that a penny saved is better...
by Herekittykitty
Wed Nov 08, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 6299

Re: Eye Doctor $30 to get your Rx? Is this normal?

The OP may have already done this, but if not, I do not see any downside in writing a letter to the ophthalmologist with a brief outline of what occurred and asking for assistance and obtaining the prescription or if the wife already has paid the money for it, of being reimbursed the money. I would ...
by Herekittykitty
Thu Nov 02, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Warning Buffet Indicator?!?
Replies: 31
Views: 2937

Re: Warning Buffet Indicator?!?

I was at a Chinese buffet many years ago and the owner/chef (Chinese man) came storming out of the kitchen yelling at an obese man (who had been eating from the buffet for hours)..."HEY YOU Fatso..get out of my restaurant..you eat all my profit." It was actually a funny scene. I don't do buffets an...
by Herekittykitty
Mon Oct 30, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan: To Pay or Not to Pay: That is the Question
Replies: 33
Views: 4078

Re: Student Loan: To Pay or Not to Pay: That is the Question

Assuming financially the decision is close, and just addressing the relationship issue:

You have had this student loan since 2007 (10 years). It bothers your wife. You and she can afford to pay it off.

It's her turn to have a say.

Pay it off.
by Herekittykitty
Sun Oct 29, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 6433

Re: Retirees: which websites do you spend the most time on?

I'm not retired, but:

I listen to a Ted talk most days. Sometimes I vary the subjects in a quasi attempt at randomness, and sometimes a talk I listen to leads to others in the same group and I listen to them.
by Herekittykitty
Tue Oct 10, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 11315

Re: Third time in my 32 year career I have been laid off

.....Unless you're going to download your earnings and crunch your numbers from scratch, it's very important to realize that the projections that are shown assume that you will continue to contribute to SS (= remain employed) until the various ages. From the site: Retirement You have earned enough ...
by Herekittykitty
Tue Oct 10, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 6376

Re: 2018 Honda Accord

visualguy wrote:
Tue Oct 10, 2017 5:52 pm
....... In general, it's hard to find cars under $40K with really good seats...
Why? (This is a serious question. I really don't know.)
by Herekittykitty
Sun Oct 08, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 11315

Re: Third time in my 32 year career I have been laid off

I doubt if it would impact decisions, but it might, and in any case it would be interesting to know: Felix the Cat: It would just take a few minutes to set up a username and password to log on to the social security site and see what your monthly social security income would be at various ages start...
by Herekittykitty
Sat Sep 30, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Personal finance help for those below/near poverty line
Replies: 48
Views: 7219

Re: Personal finance help for those below/near poverty line

Goodwill Community Foundation has a great website teaching various useful topics. I encourage everyone to have a look at it, as who knows when it could be a resource for someone you know. https://www.gcflearnfree.org/ If you go to the bottom right of the webpage, there is a box: "What can we teach y...
by Herekittykitty
Thu Sep 21, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 7618

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

Always stay up to date on immunizations. Tetanus for example, but really, all of them.
by Herekittykitty
Sun Sep 10, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 11847

Re: Non-fiction bucket list

"Wherever You Go, There You Are: Mindfulness Meditation in Everyday Life" by Jon Kabat-Zinn
by Herekittykitty
Fri Sep 01, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Your Top 10 Books
Replies: 64
Views: 11605

Re: Your Top 10 Books

One all time favorite: All Quiet on the Western Front by Erich Maria Remarque Erich Maria Remarque was very popular in Russia and I greatly enjoyed several of his novels. It appears that the Americans are well aware of All Quiet on the Western Front but not his other work. Another powerful but virt...