Search found 1737 matches

by Lynette
Sat Aug 18, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Elderly Relative Short on Money
Replies: 68
Views: 4468

Re: Elderly Relative Short on Money

Sorry to hear about this situation. I can understand you not wanting to have her work at a minimum-wage job. But if she provides you with great housekeeping and child care services, I think you should pay her the market value for her services. Otherwise I would start to fund a separate account for t...
by Lynette
Mon Aug 06, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 6819

Re: Best way to lose $200 in taxable income?

I assume you are referring to Medicare IRMAA: https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html There are additional costs for Medicare D. I don't know in advance if I will get pesky dividends in my taxable to push me into the next bracket. I was not aware of Medicare IRMAA...
by Lynette
Fri Aug 03, 2018 5:47 am
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1827

Re: Why is new strip of lawn different color?

Thanks for the replies - I think it is a variety of reasons that helpful contributors have given.. I should never have retired then I would not be looking at my lawn so closely! I notice that there is also this darker grass in another area so that this is definitely due to different seed mixed with ...
by Lynette
Wed Aug 01, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1827

Re: Why is new strip of lawn different color?

I think the different color grass is from a different variety. I had this happen with my lawn and tore up the new different area out and reseeded. There is probably a good lawn service out there, but it takes some work and discussions with them to get things going. I am not sure why you are treatin...
by Lynette
Wed Aug 01, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1827

Re: Why is new strip of lawn different color?

I walked over my lawn and was depressed at how uneven it is. I've planted a lot of trees that will take up most of the lawn at the top - when the trees grow large enough to hide the balcony that looks over my yard. Yesterday I tried to even out a section with a rotor tiller. Then it rained and most ...
by Lynette
Wed Aug 01, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1827

Re: Why is new strip of lawn different color?

Check for a septic tank or field. In 1976 Erma Bombeck wrote a book about suburban living titled "The Grass is Always Greener over the Septic Tank." Thanks - maybe drain - not septic tank. There is a drain that leads from the driveway runoff catch basin to the one at the back. The dark green grass ...
by Lynette
Wed Aug 01, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1827

Re: Why is new strip of lawn different color?

Thanks. I am 95% certain that the original lawn is mainly Bluegrass. The mixture I used contained a mixture of rye grass, fescue and blue grass. I live in Michigan and I see that Michigan state has a lively agricultural/master gardener courses etc but nothing close. I'm in for a massive amount of wo...
by Lynette
Wed Aug 01, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1827

Re: Why is new strip of lawn different color?

Get your soil tested. In different areas and compare. Also, you "assumed" the grass seed was the same. You can take the grass to your Coop extension and they can tell you. Once you have the facts, you can adjust fertilizer or replant different grass seed....but you need the facts first. Thanks. Whe...
by Lynette
Wed Aug 01, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1827

Why is new strip of lawn different color?

I wonder if anyone knows why my new strip of lawn is a different color? My house was built in 1950 and the different parts of the lawn in the back yard probably reflect different owner's preferences. I used to do my own lawn but one day the lawn mover would not start so I hired a service. They subco...
by Lynette
Mon Jul 30, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Realities of Early Retirement Model (FIRE)?
Replies: 96
Views: 9463

Re: Realities of Early Retirement Model (FIRE)?

very low health insurance premiums (bought through ACA), I have a friend who retired in his late 40s... does the same. He must have millions in IRAs, but he manipulates his income to show an AGI barely in the double digits to get dirt cheap healthcare. The thing that bugs me... this healthcare is n...
by Lynette
Sun Jul 29, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Dual language vs Traditional Public School
Replies: 23
Views: 1197

Re: Dual language vs Traditional Public School

Elementary school, in the US, is customarily about K-5 (ages 5-10, roughly). Sometimes K-4, sometimes K-6. Thanks. In that case, I would put the child in the mono-lingual class. Without evidence, I think that the child needs to get a strong basis in their home language especially for subjects such ...
by Lynette
Sun Jul 29, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Dual language vs Traditional Public School
Replies: 23
Views: 1197

Re: Dual language vs Traditional Public School

I did not go to school here so I am not completely familiar with educational setup. Does "elementary" mean just the first two years or the first seven? I would assume that in the higher grades, there is some type of specialization such as separate Math, Science, English etc classes. If this is true,...
by Lynette
Sun Jul 29, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9334

Re: Tips for staying active / injury-free into older age

By the way to use the term "yoga" without specifying what type of yoga it is can be misleading. I go to a health club where there are a lot of different instructors and even if the program is advertised as Hatha Yoga, each instructor has their own favorite poses. We have a program called YinYang whi...
by Lynette
Fri Jul 27, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9334

Re: Tips for staying active / injury-free into older age

Swimming, yoga, pilates, rowing machine, treadmill, strength training machines are what I do - age mid seventies. My health club is very social and I make a lot of friends there. Free coffee and bagel each morning. I haven't been to my health club for two months as I had minor surgery and now I'm re...
by Lynette
Tue Jul 24, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6779

Re: Daughter wants to travel on her own to Montreal

How is she going to get to Montreal - fly or drive. Its a long trip from Detroit. If she flies will she hire a rental car. Montreal is a very large place. I agree with Meg that I find it surprising that she wants to go on her own. I went to Montreal on my own a few years ago. Language is not an issu...
by Lynette
Mon Jul 23, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Any Boglehead plumbers? Need help.
Replies: 16
Views: 1681

Re: Any Boglehead plumbers? Need help.

. . . somehow I haven't learned my lesson to give up on DIY projects. I can afford to pay someone else but my tightwad side feels the need to try anyway. I guess I'm only out about $24 plus a few hours of my life more than I otherwise would have. Absolutely Blaugranamd, when it comes to plumbing, s...
by Lynette
Fri Jul 13, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 4048

Re: Advice on IT Certification program

I've done about everything - History and Latin teacher, accounting and finally landed up spending most of my career in IT. Experience was on-the-job in the same corporation - moving laterally. I recommend attending classes at a community college even if it does not lead directly to a job. Kid will b...
by Lynette
Thu Jul 12, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 15003

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads: Simple way to invest

Bogleheads: Tried and tested way to invest

Bogleheads: Sensible way to invest

Bogleheads; Grow your money with the market

Thanks Mel and Rick.

Lynette
by Lynette
Thu Jul 12, 2018 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9360

Re: Keeping a checkbook register

I'm in my seventies and I don't use a checkbook register. I pay property taxes, lawn service, snow plow guys and most maintenance people by check. Last week I wrote a large check for my property taxes as the charge for credit card was 3%. I browse my bank account every few days to see if checks have...
by Lynette
Wed Jul 11, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9401

Re: What time do you get up in the morning?

I wake up between 5:00 and 5:30 a.m. I am redoing both my front and back yards and have been told to water, water, water in the summer heat. I have planted about thirty and the nursery is planting another five. I have taps on both sides of my house so I position the sprinklers and turn on the taps. ...
by Lynette
Wed Jul 11, 2018 5:11 am
Forum: Personal Consumer Issues
Topic: Tool cabinets?
Replies: 32
Views: 2167

Re: Tool cabinets?

I have got a spare bedroom downstairs (in fact two :D ). I bought three Husky tool cabinets from Home Depot. I love, love them. My drawers slide out seamlessly and the big caster wheels are great. I use them for storage of tools but in one of them I have my photography stuff. I have family photograp...
by Lynette
Mon Jul 09, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2715

Re: Income stream at 70

What did Michael have to say about QLACs? Was this before or after recent tax changes? QLACs may have not made much difference to me prior to the recent tax changes as I was itemizing. But now I will take the increased standard tax deduction and use QLACs for charitable giving. In addition QLACs red...
by Lynette
Sun Jul 08, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 5788

Re: Girls and investing

As a single woman, I am frequently stunned by the multiple threads by husbands/partners who are in despair as to how their wife/partner will handle finances once they are gone. There is a lot of hand wringing. Obviously there was a basic problem with education starting off when the girls were younge...
by Lynette
Sat Jul 07, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15702

Re: Retirement Destination - are you happy with your choice?

Ideally I should live in an apartment or condo but because of past experiences, I am not prepared to share walls. When I retired at the beginning of 2017, I considered moving to the greater Washington, D.C. area as I have family there. In the end, it was likely inertia, too much change and realizati...
by Lynette
Fri Jul 06, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Cane Toad Hell: Any Remedies?
Replies: 21
Views: 1856

Re: Cane Toad Hell: Any Remedies?

One of the all-time classic science documentaries often shown in AP Environmental Science classes is about Cane Toads in Australia. The kids are usually shocked into stunned silence. Here it is https://www.youtube.com/watch?v=6SBLf1tsoaw Oh Texasdiver! What an incredible documentary - thanks so muc...
by Lynette
Fri Jul 06, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 12660

Re: What I spent in 6 months on medicare

I don't go to a doctor much so don't have many drug or other expenses. My Medicare premiums (B and D) plus Medigap G and Presciption D are about $650 a month. I have to pay Medicare IRMAA as I have pensions. Coverage does not include dental. Before I retired in 2017, my premiums for HMO (that were s...
by Lynette
Thu Jul 05, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Cannot install hardwood on curved floor?
Replies: 15
Views: 1240

Re: Cannot install hardwood on curved floor?

Yes, and the answer you receive from one installer may be different to another. I had some appliances installed by Lowe's and it seemed that there were a number of installers doing the same type of installation. They used whoever was available. This was at the same store.
by Lynette
Thu Jul 05, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Cannot install hardwood on curved floor?
Replies: 15
Views: 1240

Re: Cannot install hardwood on curved floor?

I think that all Home Depot installers are local. Each branch uses their own though some may share installers. Installers at another branch may be able to do it.
by Lynette
Thu Jul 05, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4219

Re: Is there a current car without a console between the front seats?

I know you don't like SUV's but the new one's are basically cars. I bought a Ford Escape and traded in my Ford Taurus. The Escape is much smaller than the Taurus. It is easier to manipulate and park. I also love the backup beeper and blind spot monitoring. I am doing gardening at the moment and I ha...
by Lynette
Wed Jul 04, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6473

Re: Older Women Lifting Weights

This thread is motivating to me. I had a brief time of inspiration some years back (when I was in my late 40s) from the book Strong Women Stay Young , written by a couple of PhDs, based on research they published in JAMA. I need to find a way to get back to a regimen along the lines suggested in th...
by Lynette
Wed Jul 04, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6473

Re: Older Women Lifting Weights

I think you need a new lawn guy. There are good ones out there, although they seem to be hard to find. I could easily buy a mower and do my own lawn but when I travel I can be away for a few weeks and my city gets icky if one does not mow one's lawn. I feel sorry for these lawn care guys as I know ...
by Lynette
Wed Jul 04, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6473

Re: Older Women Lifting Weights

When I retired I decided to redo both both the front and back yards. In the front of my yard I now have two rows of trees that form a hedge. On the one side I have arborvitae Emerald and on the other side five fairly mature Alberta Spruces. I am the owner of a rotary tiller, etc. etc. I get a lot of...
by Lynette
Wed Jul 04, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Can I finance a new home abroad (Carribean)???
Replies: 53
Views: 4431

Re: Can I finance a new home abroad (Carribean)???

I assume you are an US citizen. Do you have any experience with filling out tax returns for two different countries with different tax laws? I assume that you would also have to fill out tax returns for the DR. As an US citizen, you taxed on your worldwide income. Many years ago I bought some apartm...
by Lynette
Tue Jul 03, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4789

Re: Retiring in Michigan (Ann Arbor)

Property in Bloomfield Hills is not cheap. I did a google search on some property prices and Bloomfield Hills is the most expensive: https://www.homes.com/f/michigan/homes-for-sale/top-10-most-expensive-cities/ Of course this is the average. I live in one of the cities listed and love it but my frie...
by Lynette
Mon Jul 02, 2018 5:05 am
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4789

Re: Retiring in Michigan (Ann Arbor)

We lived and worked in Europe in prior years and ended up after job transfer at my then company HQ in Michigan. We had quite good memories of the area especially in the summer but I certainly remember the days where I had to shovel snow, brave long traffic jams during snow storms, freezing raining,...
by Lynette
Sun Jul 01, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4789

Re: Retiring in Michigan (Ann Arbor)

I live about 50 miles from Ann Arbor and I think it is a great choice. I am about six miles from the border of Detroit. Currently in the short three block street of my city, six house are being torn down and replaced with McMansions. The average price of the new construction is over a million. Littl...
by Lynette
Sun Jul 01, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to "forfeit" income to avoid IRMAA cliff
Replies: 27
Views: 2502

Re: Any way to "forfeit" income to avoid IRMAA cliff

...Or just pay the IRMAA and be glad you can afford it? Honestly the cost does not appear to be huge, and it would help keep medicare afloat... This is what I've been doing starting at age 65 and continuing indefinitely (now age 68). It would be nice if they sent me a thank you note every year and ...
by Lynette
Fri Jun 29, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33811

Re: What is/ was your career and would you recommend it now?

22twain wrote:
Thu Jun 28, 2018 10:29 pm
I was a college professor in a STEM field, at a small liberal-arts college in a small town in "flyover country."
Thank you for taking the time to make a very interesting contribution to this thread.
by Lynette
Fri Jun 29, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 7349

Re: What are you learning or studying?

It depends on the day. I basically tore up my front and back yard when I retired. Now I'm researching growth size of plants and trees, visiting nurseries, reconsidering, watering and repeat. Its going to be 100 degrees tomorrow so back to studying Spanish - I'm good at grammar but have to learn the ...
by Lynette
Mon Jun 25, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 5022

Re: "distilled" water for wife's CPAP machine

I drink, bathe, cook, brush my teeth and swim in water from the faucet. Interesting some folks in this 1st world country have 3rd world water. I think I answered my own question. I take it you don’t live in Detroit. For that matter, I wouldn’t drink tap water in NJ either. The problem was not water...
by Lynette
Mon Jun 25, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing an old home in an old suburban area; to what old-house specific issues should I pay attention
Replies: 21
Views: 1412

Re: Purchasing an old home in an old suburban area; to what old-house specific issues should I pay attention

My house was built in 1950 and I have been here over 25 years. Besides the usual roof, boiler, HVAC and appliance replacements, I have had all of the windows replaced, added insulation to attic and had external sewerage pipes replaced (this messes up landscaping), etc. The biggest expense has been w...
by Lynette
Sun Jun 24, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33811

Re: What is/ was your career and would you recommend it now?

Education and 13 years experience overseas - B.A. History and Latin, Accounting Degree and MBA Job Experience: History and Latin teacher, accountant, teaching and demonstrating word processing and type setting machines, manager of department, systems engineer, database administrator and security ana...
by Lynette
Sun Jun 24, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8519

Re: how to make friends in new location?

Amen, relationships with women became so much easier when I just expressed some modicum of sympathy instead of suggestions for fixing problems. Men typically want actionable advice. Women not so much in my experience. I guess everyone's experience is different and relationships are prone to misunde...
by Lynette
Wed Jun 20, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 34
Views: 3238

Re: Marriott hotels using Alexa/Echo in guest rooms?

I cannot see that anyone would have the slightest interest in what I do in a hotel room. I travel alone or always have a single room. I rarely talk on a phone. The only noise in my room is when I occasionally turn on the TV. So Alexa poses no threat to me. I am far more likely to use the hotel netwo...
by Lynette
Mon Jun 18, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4804

Re: African Safari: Worth it or Hype?

[...]That lady would have been better off in a zoo. I know you were not meaning this, but it comes out very funny ;-) PS: I'm PMing you ... Yes, I did mean it. This is why I am recommending that visitors who do not know much about what to expect do some research. A starting point is to look at a ma...
by Lynette
Mon Jun 18, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8519

Re: how to make friends in new location?

I am pretty sure this is the totally wrong attitude. I think that a lot of this depends on how one defines "friends", "acquaintances" and the need one has for closeness. 2015 has told us that he has given up a good part of this year to be deeply involved in hospice of someone close to him. In addit...
by Lynette
Sun Jun 17, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5404

Re: A vehicle that "sits up" but can't afford CRV

I asked he what the price point is and she said with trade tops is about $10,000. So with a trade of $2000 (old CRV) she could get a vehicle around 10-11K after taxes etc. She is looking at 2016 Ford Escape with hail damage at around $9000. Like the feel but not sure of a clear title at this point....
by Lynette
Sun Jun 17, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8519

Re: how to make friends in new location?

I agree about the dog. I don't have one but when I go for walks, inevitably I land up chatting to the dog owner. I have been redoing my front and back yard and spend quite a lot of time in it. I have made a lot of friends with neighbors and even people down the street by asking advice and exchanging...
by Lynette
Sun Jun 17, 2018 5:51 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4804

Re: African Safari: Worth it or Hype?

We went to Kruger in our own car. From memory it cost something like $20 a day. It was very very cheap. We got to the park gates when they opened and stayed until dark. We did this 2 days in a row. Most of the tracks had nobody on them. We were often the only ones. Our car was surrounded by baby hy...
by Lynette
Sat Jun 16, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4804

Re: African Safari: Worth it or Hype?

A minor point on terminology. Many people born in Africa, smile when Americans says they are going on a safari. When I was growing up in South Africa, a safari meant that one was going on a pioneering trek into bush country possibly on foot with a few African guides, food supplies and a few guns. Th...