Search found 1721 matches

by Lynette
Fri Jul 13, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 87
Views: 3336

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: 341
Views: 10030

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: 9151

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: 8879

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: 2034

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: 2556

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: 5542

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: 15086

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: 1770

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: 126
Views: 8632

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: 1186

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: 1186

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: 4027

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: 6151

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: 6151

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: 6151

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: 4230

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: 4606

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: 4606

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: 4606

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: 2427

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: 342
Views: 30580

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: 93
Views: 6167

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: 4806

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: 1370

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: 342
Views: 30580

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: 8387

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: 3146

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: 4652

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: 8387

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: 5292

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: 8387

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: 4652

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: 4652

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...
by Lynette
Sat Jun 16, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4652

Re: African Safari: Worth it or Hype?

@Travel Geek. Congratulations on researching, understanding and implementing your travel plans so successfully. My advice is to decide what you want to do, decide on your budget and then research, research, research. The local tour providers are aware that there is a market for tourism. I frequently...
by Lynette
Sat Jun 16, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4652

Re: African Safari: Worth it or Hype?

Africa is a large continent. Where are you thinking of going? Usually a safari is a visit to a game park. The accommodation can vary from luxurious to roughing it in tents. Sometimes the intent is to kill to animals and bring back photos and trophies for the admiring crowd back home. "Safari" is too...
by Lynette
Thu Jun 14, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17423

Re: Life in retirement - what did you do today?

Most days I go to McDonalds and get a Diet coke, coffee and a yogurt parfait. I had some minor surgery so am supposed to take it easy but it is day 11 - and I wanted to fix my garden. The guy on the lawn service motorized lawn mower totally destroys my lawn. Last year I had a new driveway installed...
by Lynette
Thu Jun 14, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Will Vanguard/Fidelity automatically deduct QCD from RMD?
Replies: 27
Views: 2532

Re: Will Vanguard/Fidelity automatically deduct QCD from RMD?

Good Morning, This is an old thread that was revived and there have been many other threads on RMDs and QCDs. This year I requested both Vanguard and Fidelity to send me checks for QCDs early in the year. I mailed them to the charities and asked for verification that the money had been received. The...
by Lynette
Wed Jun 13, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17423

Re: Life in retirement - what did you do today?

I've read where some car rental agencies won't let you rent a car if age 70 or above, is that true? That would be an age-related deterrent if true. I want to continue renting cars at that age. I have never read of a problem in auto rental in the U.S., but in some countries I read that there may be ...
by Lynette
Wed Jun 13, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17423

Re: Life in retirement - what did you do today?

Thanks Toons! I will look into the Tandem app - looks really interesting and likely what I need. If I remember correctly, it was Nisiprius who mentioned that he uses italki. :wink: Besides the books that community college uses I like the series called "Practice makes perfect". They have all kinds of...
by Lynette
Wed Jun 13, 2018 5:44 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17423

Re: Life in retirement - what did you do today?

* Spanish lessons. * Another spanish lesson while drinking coffee. * Helped my friend in Mexico City with some new english words...via Tandem application * Spoke with another friend in Portugal who is learning English also. * Intensive spanish lesson,, * More spanish with my friend in Mexico City,,...
by Lynette
Tue Jun 12, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: The Deep History of Stock & Bond Returns
Replies: 75
Views: 5340

Re: The Deep History of Stock & Bond Returns

Thanks for posting this. It shows how global power changes. These companies were actually far more than merchants. They were the rulers of their territories with armies. For example: https://en.wikipedia.org/wiki/Dutch_East_India_Company "The Dutch East India Company became the world's first formall...
by Lynette
Tue Jun 12, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 95
Views: 9713

Re: At what point to buy new car for safety

This is not a new safety feature but I would never again buy any vehicle without a backup beeper. I live on a narrow street with a lot of construction. Houses are being torn and replaced with mansions. In addition in the summer there are always a large number of vehicles doing lawn and landscaping s...
by Lynette
Mon Jun 11, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17423

Re: Life in retirement - what did you do today?

Preparing to return tomorrow to the highly extracting morass that is elder and hospice care which has been incessant since January. It would be nice to say I was preparing for my next scheduled travel adventure this month but all adventures for this year have evaporated in light of this higher prio...
by Lynette
Mon Jun 11, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17423

Re: Life in retirement - what did you do today?

Is this place turning into Facebook now? What is a consumer issue, finance, or investing related about this? Nothing really. But it is a retirement issue. A lot of BHs seem to struggle with the concept of filling their previous working hours with their own creative agenda. A thread like this may gi...
by Lynette
Mon Jun 11, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17423

Re: Life in retirement - what did you do today?

Very interesting to hear what folks are doing. Wonder what age most of you are. I have the the feeling that the 60s are pretty good with activities and maybe early 70s. How many are still on the move older than that? Seems like the mid-70s are the watershed and things slow down a lot then. I retire...
by Lynette
Mon Jun 11, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17423

Re: Life in retirement - what did you do today?

...I plan to take Spanish at my local community college in the fall. They do not offer sufficient advanced classes. I suppose I should start to read Spanish newspapers and all of the books I have! There are a few Spanish language TV stations here and I assume in your area also. Watching Spanish soa...
by Lynette
Mon Jun 11, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17423

Re: Life in retirement - what did you do today?

Most days I go to McDonalds and get a Diet coke, coffee and a yogurt parfait. I had some minor surgery so am supposed to take it easy but it is day 11 - and I wanted to fix my garden. The guy on the lawn service motorized lawn mower totally destroys my lawn. Last year I had a new driveway installed ...
by Lynette
Sun Jun 10, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Source of objective assessment of Medicare B,C,D
Replies: 33
Views: 1982

Re: Source of objective assessment of Medicare B,C,D

When you turn 65, you are usually eligible for Medicare. Some folks stay on an employer plan, but then may have problems switching to Medicare supplemental plans if they later have pre-existing conditions. If you sign up for Medicare and defer Part B, and instead stay on your employer plan, once yo...
by Lynette
Sun Jun 10, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Source of objective assessment of Medicare B,C,D
Replies: 33
Views: 1982

Re: Source of objective assessment of Medicare B,C,D

When you turn 65, you are usually eligible for Medicare. Some folks stay on an employer plan, but then may have problems switching to Medicare supplemental plans if they later have pre-existing conditions. If you sign up for Medicare and defer Part B, and instead stay on your employer plan, once yo...