Search found 1788 matches

by Lynette
Sun Oct 14, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Cancun in a few weeks
Replies: 46
Views: 2589

Re: Cancun in a few weeks

You should hear what my Spanish prof has to say about Cancun. No Spanish or local currency needed - use dollars. To me its a glitzy, touristy American resort with lousy buses and corrupt police. My taxi driver was stopped by the police and gave a $25.00 bribe - told me it was better for him and them...
by Lynette
Sun Oct 14, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 2962

Re: Reducing overall medical costs. Do we do anything?

So frankly I strongly dislike Medicare especially having to deal with all of the billing issues. So part of my reluctance to go to a doctor is because of the problems \ have encountered with billing. If I don't go to a doctor, I don't have to deal with this. I'm putting off having to deal with Medi...
by Lynette
Sun Oct 14, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 2962

Re: Reducing overall medical costs. Do we do anything?

So frankly I strongly dislike Medicare especially having to deal with all of the billing issues. So part of my reluctance to go to a doctor is because of the problems \ have encountered with billing. If I don't go to a doctor, I don't have to deal with this. I'm putting off having to deal with Medi...
by Lynette
Sun Oct 14, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 2962

Re: Reducing overall medical costs. Do we do anything?

Maybe I did not make my situation clear. I am not going for a Medicare Wellness Test this year. I will go next year and go for whatever screening/tests my doctor recommends. My employer virtually forced us to go as we got lower rates if we went. I faithfully went for all of the tests/screenings reco...
by Lynette
Sun Oct 14, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 2962

Re: Reducing overall medical costs. Do we do anything?

I am not going to go for a doctor for a wellness / regular test this year. Two years ago after retired, I went for my first wellness test on Medicare. Due to billing errors, Medicare denied some of the coverage and it was a real hassle sorting it out. So I decided all of these tests were unnecessary...
by Lynette
Wed Sep 26, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Know Any Good Forums for Android Smartphone Users?
Replies: 7
Views: 837

Re: Know Any Good Forums for Android Smartphone Users?

When in doubt, read the users manual. I found a site by AT&T that had a pdf for my Note 8. I think that Samsung likely also has one. There are other sites that want you do download stuff from their sites - I pass on those. I bought my Note 8 specifically for the camera. I found many sites that gave ...
by Lynette
Mon Sep 24, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11616

Re: Did you really have something to retire to?

As you are no doubt aware learning a language involves different skills: speaking, hearing, writing and reading. As I studied Latin at High School for 5 years and university for 4 years, I am really good at grammar. I can read most of the Romance languages fairly well. This helped me when I was in R...
by Lynette
Mon Sep 24, 2018 1:56 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11616

Re: Did you really have something to retire to?

I don't think you have to have something to retire to. Isn't the whole point you do not have to do anything. Except keep paying bills. If you want to do something else, great. If you do not want to, that is up to you. I expect my first years or so will be spent declutting my house. And reading book...
by Lynette
Sat Sep 22, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11616

Re: Did you really have something to retire to?

I don't think you have to have something to retire to. Isn't the whole point you do not have to do anything. Except keep paying bills. If you want to do something else, great. If you do not want to, that is up to you. I expect my first years or so will be spent declutting my house. And reading book...
by Lynette
Sat Sep 22, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6426

Re: My Very First Smartphone — Please Critique This Plan

A lot depends on how tight you are with money and how much time you want to spend on technology or sorting out problems. Another factor is how long you want to keep the phone. I'm reasonably savvy with technology but simply don't want to spend time hassling around with phones. This is why I like to ...
by Lynette
Thu Sep 20, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11616

Re: Did you really have something to retire to?

The Wizard wrote:
Thu Sep 20, 2018 11:11 am
And though I don't recall planning for it ahead of time, I've been spending more time getting better at cooking, specifically with Chinese recipes. I miss the Chinese lunch truck from my working years, you see...
:) :) :) :)

I'm sure you could find a Chinese take-away store.
by Lynette
Thu Sep 20, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Landscaping costs?
Replies: 15
Views: 2239

Re: Landscaping costs?

I do all my landscaping work myself, but would never touch a concrete retaining wall. Though I have done 1 ft+ retaining walls using pressure treated landscape timbers, but they will last only 20 years. I consider DIY landscape work regular exercise in the fresh air. The price sounds reasonable as ...
by Lynette
Wed Sep 19, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25123

Re: What is your single most expensive mistake?

One mistake of many .. not understanding that stuff grows really quickly here in the Michigan. Obviously I did not read the labels on the shrubs and trees I bought! I cannot even remember how many shrubs/trees I have either removed myself or called a tree service as they were getting too big then of...
by Lynette
Mon Sep 17, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: rmd for IRAs at multiple institutions
Replies: 18
Views: 1239

Re: rmd for IRAs at multiple institutions

I have IRAs at Fidelity and Vanguard. I also let them calculate what I owe and do each separately. If there is a query on my taxes years later, I would not like to have to prove that I took sufficient RMDs from multiple institutions.
by Lynette
Mon Sep 17, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4809

Re: Dilemma: Add room to current house or buy new house?

In my neck of the woods (mid-Atlantic) below grade (finished or not), garages, and other normal non-living areas are not included in the house sq ft for tax nor sale purposes. While your local taxing/sales data may be different, what is the actual sq ft of your house if you remove all the non-clima...
by Lynette
Mon Sep 17, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: UK boarding school (Intl student)
Replies: 28
Views: 2010

Re: UK boarding school (Intl student)

Interesting discussion. That said, for the student in question I think the bigger fear would simply be spending too much time on video games. Or finding the language gap too much... Take a look at the Swiss boarding schools before making a decision. Funny, I just started listening to Valeska Steine...
by Lynette
Mon Sep 17, 2018 5:34 am
Forum: Personal Consumer Issues
Topic: UK boarding school (Intl student)
Replies: 28
Views: 2010

Re: UK boarding school (Intl student)

I was a house mistress in a girls public school in South Africa in the sixties at the age of 22 - just after graduation. It supposedly followed much of the British model. I had to take the children to an Anglican church on a Sunday, etc. It was a prison. The matrons would check that no girls were sl...
by Lynette
Sat Sep 15, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4343

Re: I need a chainsaw to trim branches and limbs!!

Electric chain saws do not have the power as a gas chain saw. Are good for up to 5 inches dia branches. Then when I tried to use my 2 cycle gas chain saw 2 years ago the carburetor was all gummed up (gas and oil mixture), and a new carburetor would have cost as much as a new chain saw. Whenever you...
by Lynette
Fri Sep 14, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

Hi Victoria and DM200, ...I am highly skeptical of supplements and vitamins as I think one should be able to get these by eating well. This is just my opinion. ...To each his own - I'm avoiding doctors, tests and billing problems .. for now. Lynette, My attitude towards supplements, herbs, and spic...
by Lynette
Fri Sep 14, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4343

Re: I need a chainsaw to trim branches and limbs!!

I recently got this guy. Got the job done and did not feel unsafe at all. I would be a little worried about doing branches at weird angles though. I have generally had bad luck with cordless devices degrading the batteries so I opted for the corded. https://www.walmart.com/ip/WORX-WG305-1-8-Amp-Ele...
by Lynette
Fri Sep 14, 2018 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

Hi Victoria and DM200, I mentioned that I know my own health based on being virtually forced to take wellness tests each year for nearly 20 years. We got a discount on our copays if we went to them each year. With boring regularity the results were the same. The mammogram was boringly the same - no ...
by Lynette
Thu Sep 13, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5988

Re: Lab test prices - exasperating!

At 74, I am fortunate to be fairly healthy and my 40-year experience of living in the USA has led me to believe that many of these tests/medicines are simply to avoid lawsuits for malpractice. So doctors make the patient do all of the tests ... just in case .. I was not born in the US and came from ...
by Lynette
Thu Sep 13, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2969

Re: Do you use social media to enhance your travel experience?

When I was young, I used to hate going to the after-vacation slide show that my uncle and father always gave. So I decided I would never, ever subject people to looking at unwanted photos of my vacations. Of course, I would be delighted to share photography experiences now with my long-gone father. ...
by Lynette
Wed Sep 12, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3137

Re: Remodel for aging in place

I could live on one floor in my house if necessary by moving the laundry to the first floor. For now it is in the basement and I sleep upstairs. I completely agree with those who have said to make changes when required. My house is in a safe neighborhood, conveniently located close to my health club...
by Lynette
Wed Sep 12, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Opinion's: Best time to withdraw RMD's when required to do so.
Replies: 42
Views: 3250

Re: Opinion's: Best time to withdraw RMD's when required to do so.

I've always thought I'd take them early in the year, just to make things easier for my heirs should I pass. (I'd hate to create a mess by dying in late November and them not even having the time to figure out my RMDs before the year ends. I like them too much!) Very good idea! I do QCDs early in th...
by Lynette
Sun Sep 09, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8498

Re: Can Sneakers go with Business Casual?

Have you considered going to a podiatrist? I There are all sorts of reasons your feet could be hurting. Different people walk with their feet slanting inward, straight ahead, tipping outward. One foot could be different to another, high arches, flat feet etc. etc. In my opinion some of the DIY solut...
by Lynette
Sat Sep 08, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8268

Re: Scaring the Old Folks

Sitting home and watching fox news is pretty darn cheap:) So is not buying any new clothes:) Obviously my biggest savings from retiring is no longer saving 25-40% of my income. The huge tax decrease (i.e. no SS, LTGC with cost basis) is going to be around another 20% savings. Thats a lot of golf, t...
by Lynette
Sat Sep 08, 2018 5:47 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1738

Re: Buy a house that needs full renovation?

I completely agree with RM. The way you describe it, I cannot believe that you got a quote for $100K for that amount of damage. My house was built in 1950 and supposedly had no major issues. I am still dealing with the issues caused by water damage to my basement (twice) and new drains/sewers to fix...
by Lynette
Fri Sep 07, 2018 6:21 am
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8268

Re: Scaring the Old Folks

It really depends what one wants to do in retirement. I decided to take a few years to study at a community college and fix up my house and garden. I worked into my seventies but spent about $25,000 a year for nearly 20 years on traveling overseas and locally several times a year. For now, I am far ...
by Lynette
Thu Sep 06, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Implementing a QCD at Fidelity
Replies: 17
Views: 1326

Re: Implementing a QCD at Fidelity

No, Fido mailed them to me. I have two Fidelity office within 3 miles from my house. I was not impressed with the agents with whom I interacted. They may have been new. In my experience, the specialists are at the Fidelity main office. So I do not think that having an office is an advantage.
by Lynette
Thu Sep 06, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Implementing a QCD at Fidelity
Replies: 17
Views: 1326

Re: Implementing a QCD at Fidelity

I did QCDs from both Vanguard and Fidelity. I simply called them, gave the name of the charity and within a few days got the checks. Call them. I found them most professional and helpful. I did not use the form. I was on the phone for about 10 minutes - no form.
by Lynette
Thu Sep 06, 2018 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Retired at 68 with 500K; leave in 401k or move to IRA?
Replies: 11
Views: 3181

Re: Retired at 68 with 500K; leave in 401k or move to IRA?

Good to know. I’ll ask about using QCD for giving to our church. It has to be a qualified charity, churches in most main-line denominations are. I give checks from Vanguard/Fidelity to my church. There are many, many threads on the mechanisms of how to do this and the reporting tax requirements. On...
by Lynette
Wed Sep 05, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1590

Re: Types of seed for new lawn or sod?

microclover and sun/shade midwest mix. You may need to buy the microclover online if you don't have a good local source. The watering/weeding/fertilizer/time bill required for a monoculture lawn are not worth the uniformity look, IMO. The primary reason monoculture is popular is it requires a lot o...
by Lynette
Tue Sep 04, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1590

Re: Types of seed for new lawn or sod?

Seed Superstore has good seed varieties and well regarded blends. The prices are a little high, but the convenience can’t be beat. Thanks. I am bookmarking this for next spring. However, this is also confusing for a non-specialist as there are so many varieties of Kentucky Bluegrass. There seems to...
by Lynette
Tue Sep 04, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1590

Re: Types of seed for new lawn or sod?

Anyone who has shopped recently for grass seed may have noticed many national brands now include a coating on their seed. I thought this was interesting from Consumers Digest. "A water-absorbing coating now is found in all-in-one and traditional grass-seed products. Scotts includes a water-absorbin...
by Lynette
Tue Sep 04, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall in rubles: how should we invest it?
Replies: 22
Views: 2011

Re: Windfall in rubles: how should we invest it?

What is the fastest and cheapest way to get your money out of Russia? That's what I would do. Yesterday. +1 Can you get it out of Russia? My experience is a bit dated but I was in Russia about 5 years ago and had my debit card skimmed while in St. Petersburg. A few days later $1,000 per day for thr...
by Lynette
Tue Sep 04, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1590

Re: Types of seed for new lawn or sod?

If you are planting on bare dirt that you have hauled in, you are probably fine to use one of the blends of fescue, bluegrass and rye. A local garden store could likely give you some good recommendations. Make sure the soil is a bit roughed up, broadcast the seed over the planting area and add a st...
by Lynette
Tue Sep 04, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1590

Re: Types of seed for new lawn or sod?

Kentucky Bluegrass is likely very popular in your region. I'd recommend Tall Fescue. Thank you Dan. I think that most of my lawns are Kentucky Bluegrass. I found this Scotts guide on identifying lawn types: https://www.scotts.com/en-us/library/grass-grass-seed/identify-your-grass At the moment my l...
by Lynette
Tue Sep 04, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1590

Re: Types of seed for new lawn or sod?

jm1495 wrote:
Tue Sep 04, 2018 8:26 am
visit www.aroundtheyard.com It's bogleheads for lawn care, seed etc.
Thank you.
by Lynette
Tue Sep 04, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1590

Re: Types of seed for new lawn or sod?

Thanks for the advice. I hauled in about 30 bags of Miracle-Gro All Purpose Garden Soil and then leveled the area I was working on with a 8 ft beam I got from Home Depot. I buy the .75 cubic foot bags - Home Depot guys put it into my SUV, then I pull it into my wheel barrow, take it to the area, sli...
by Lynette
Tue Sep 04, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1590

Types of seed for new lawn or sod?

I live in Michigan and I was wondering what type of seed people use for lawns in this area. Our weather is quite similar to the North East. I would also appreciate any advice or should I call in a pro and have sod installed. My house is in a neighborhood where older houses such as mine are being bro...
by Lynette
Tue Sep 04, 2018 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Working for a municipality
Replies: 26
Views: 2479

Re: Working for a municipality

A common theme I’m coming across is “honor the way things are done.” I am not entirely sure at what level the responsibility lies but there are still a few pending criminal prosecutions about the water crisis in Flint, Michigan. So maybe you have to go against the prevailing lethargy ... sometimes....
by Lynette
Mon Sep 03, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 68 with 500K; leave in 401k or move to IRA?
Replies: 11
Views: 3181

Re: Retired at 68 with 500K; leave in 401k or move to IRA?

If you make any charitable contributions, you can use QCDs as part of RMDs. QCDs cannot be taken from a 401K. This is why I moved 50% of my 401K to Vanguard and 50% to Fidelity. There are many threads on the advantages of QCDs.
by Lynette
Sat Sep 01, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Working for a municipality
Replies: 26
Views: 2479

Re: Working for a municipality

A common theme I’m coming across is “honor the way things are done.” I am not entirely sure at what level the responsibility lies but there are still a few pending criminal prosecutions about the water crisis in Flint, Michigan. So maybe you have to go against the prevailing lethargy ... sometimes.
by Lynette
Thu Aug 30, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8489

Re: Mega Downsize....

We did this after the kids graduated from high school. A few ideas: 1. Most of your stuff is junk, get over it 2. Most stuff you can buy on Amazon and its cheaper than when you bought it 3. Start by taking ALL your books down to the library. You can visit them anytime you want 4. Next take all CDs ...
by Lynette
Thu Aug 30, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: high RMD withdraw from 401k question
Replies: 31
Views: 3364

Re: high RMD withdraw from 401k question

As someone mentioned, do NOT forget medicare surcharge - https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html I was not aware of this in my planning and was blindsided by having to pay Medicare IRMAA. If you have large pensions, start to take SS at 70 and have not done Roth co...
by Lynette
Tue Aug 21, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5132

Re: Do you go for annual Medicare preventive tests and screening?

I've decided not to go for a wellness test this year because of all the problems I faced last year with the Medicare Wellness Test billing and I'm too busy leveling my garden. My doctor has a small practice with about three doctors. When I tried to sort out the billing issue last year, the billing c...
by Lynette
Mon Aug 20, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5132

Re: Do you go for annual Medicare preventive tests and screening?

...KP.org is insistent. Not getting this (?) Are you saying your Kaiser MA plan insists that you get all these Medicare-dictated preventive screenings? Or, just that Kaiser hounds you so much, to the extent, it is just easier to give in? :? I don't know about Kaiser but when I was employed, it was ...
by Lynette
Sun Aug 19, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5132

Re: Do you go for annual Medicare preventive tests and screening?

I'd like to hear more about "my doctor was dinged by Medicare". This was mentioned at my last doctor visit. I wasn't sure what he meant. My Megacorp required that we went for an annual Wellness test in order to get a discount on office visits. I have had the same PCP for over 20 years. He basically...
by Lynette
Sun Aug 19, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5132

Do you go for annual Medicare preventive tests and screening?

I was wondering how many medicare-eligible people go for the annual Medicare preventive tests and screening. I got an email from Medicare that I had not been for 18 months. It was not my intention to go this year as I don't think I have any major issues. My reluctance to go stems from the saga I wen...