Search found 65 matches

by pinecone
Fri Sep 22, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: long term care
Replies: 5
Views: 953

Re: long term care

There are lots of opinions on this, and I'll share mine. :happy One thing most of those opinions do NOT consider is long term care (LTC) for the near term, meaning in the next few years, as opposed for the far term, when you're really old. My husband and I are in our early 50s. I had the opportunity...
by pinecone
Fri Sep 22, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit freeze or fraud alert?
Replies: 19
Views: 2097

Re: Credit freeze or fraud alert?

Just remember, a freeze is not perfect. Current creditors can still get in. So if you’ve had Verizon for 20 years and you’ve had a freeze for just a year or two, they will have access. Or AMEX, or VISA, etc. However, along with monitoring, I still think it’s the best you can do. Wow, I did not know...
by pinecone
Fri Sep 22, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: with frozen credit, is there benefit to fraud monitoring services?
Replies: 19
Views: 2197

Re: with frozen credit, is there benefit to fraud monitoring services?

I just wanted to say how much I REALLY appreciate this forum and the generosity of all the members who pose questions and answer questions - I learn a lot from both! I've had my credit with the big 3 frozen for a few years (thanks to the advice of this forum), and today I learned about chexsystems a...
by pinecone
Fri Jul 14, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 11997

Re: Cheap eggs... how bad?

As the saying goes, you are what you eat, and that includes whatever the animals and plants that you eat eat, are also what you eat. While I am often ridiculed, I think it MATTERS how the food we eat was raised. As someone who was once a caretaker of a woman's home-grown chickens when she was out of...
by pinecone
Wed Jul 12, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 11222

Re: Personal loan to a family member

Being able to build a new house (not to mention exceeding the budget) is a luxury . I'm not inclined to finance anyone's luxuries. This is not a case where someone will die or go hungry. If they can't afford to finish the construction, how are they going to afford furnishing, decorating, landscaping...
by pinecone
Mon Jun 19, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 9550

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Out of curiosity - what is the zestimate for the house? $388,000 Also -what was the avg house price for that area when they bought the house - and what is that average now? $187,000 when bought $196,000 now It sounds like the sellers way over-built their house for the neighborhood. When someone doe...
by pinecone
Mon Jun 19, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 39
Views: 6255

Re: Want to downsize, see "to do" list. What to tackle first?

I wouldn't do anything to the house until you've interviewed at least three listing agents. They know what buyers in your area and price point want and can help you prioritize and budget the to do list. I think today's buyers are more demanding, however, don't waste your time and money without getti...
by pinecone
Fri Jun 02, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Book - The New Retirementality
Replies: 26
Views: 4822

Re: Book - The New Retirementality

what exactly are you going to do with an extra 40 + hours per week of time I can think of a million other things I'd rather do than come to work 5 days/week. Whenever I hear somebody say they love work and they will never quit, or I see people in their late 60s and 70s working, I just wonder if the...
by pinecone
Sun Apr 23, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 27418

Re: Any regrets living a frugal life for high income/high networth individuals?

No regrets. I value my personal freedom more than I value stuff. I like being financially incognito for a variety of reasons. If anyone judges me for it, it's their loss, not mine. I do splurge on a few things and experiences that bring value and joy to my life.
by pinecone
Tue Apr 04, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Advice on Long-term Health Care Insurance
Replies: 15
Views: 2350

Re: Advice on Long-term Health Care Insurance

Most people think of LTC insurance as something you won't need until you're really old. It's true that most people don't, but my worry (and I am a worrier :happy ) was what if one or both of us needs long term care in the next few years ? That's why we purchased it (and because my company was offeri...
by pinecone
Thu Mar 23, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: whole house water filter --your thoughts?
Replies: 26
Views: 4524

Re: whole house water filter --your thoughts?

Not a whole house filter, but I use a Berkey.
by pinecone
Tue Feb 21, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 11546

Re: Which puppy to buy: golden retriever or labrador retriever?

Just curious why you don't want another corgi? Did you have a Pembroke or a Cardigan?
by pinecone
Tue Jan 10, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Selling an old southern plantation
Replies: 3
Views: 1183

Re: Selling an old southern plantation

The National Trust for Historic Preservation lists properties for sale:

http://historicrealestate.preservationn ... s.php?id=3

If I were looking to buy or sell a historic property, I would go there.
by pinecone
Wed Aug 31, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Thank you gift for someone with everything
Replies: 29
Views: 3932

Re: Thank you gift for someone with everything

Hand written thank you notes have become very rare things and are all the more appreciated. Accept their gift to you and say thank you. You may be able to do something for them some day but wait for a different occasion. This is what I was going to answer. A hand written note always trumps a pre-pr...
by pinecone
Sun Aug 21, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 179
Views: 18881

Re: Are you on Facebook?

I'm on it but mostly for lurking and wishing people Happy Birthday. For awhile, I tried to keep up by regularly "liking" friends' postings (mainly their family or pet pictures), but found it way too hard to keep up and a terrible time suck. When people ask to be Facebook friends with me, I...
by pinecone
Sun Aug 21, 2016 7:50 am
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 14021

Re: Do you wash your car yourself, or have it done?

I have it done, because washing a car is a task I don't enjoy at all. There are lots of things I'd rather do myself than pay for, but washing my own car is not one of them.
by pinecone
Sun Aug 21, 2016 7:44 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 24508

Re: The True Cost of Owning a Dog

While there are definitely costs involved with owning pets that shouldn't be overlooked (because as Bogleheads we live below our means), to me those costs fall way short of how much pets have enriched my life.
by pinecone
Thu May 26, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: Pet friendly hotels no fees
Replies: 8
Views: 1684

Re: Pet friendly hotels no fees

I like the site http://www.bringfido.com/. Some of the hotels on there might have fees, but I like that this site brings together the pet-friendly places along with a map. They even include listings for non-traditional hotels, like airB&B-type places that you might not normally think of.
by pinecone
Wed May 11, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Advice for a dog bed
Replies: 12
Views: 2289

Re: Advice for a dog bed

I've always been happy with dog beds from Orvis.
by pinecone
Mon May 09, 2016 8:46 am
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 12268

Re: Buying a house for an adult child (child adult?)

There are so many good reasons not to do this: 1. The fact that you are worried about being protected in case of default. 2. It sends the message to your son and daughter-in-law that you don't think they are capable of buying a house on their own. 3. If they've been able to save enough for a 20% dow...
by pinecone
Tue Apr 26, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: Women business clothes - what brands make the right impression?
Replies: 64
Views: 11732

Re: Women business clothes - what brands make the right impression?

Look into Worth http://www.worthnewyork.com/ I hate shopping, but I appreciate attractive well made clothes. Their target market is the mid to upper level executive woman. Couture design and quality without the couture price. Not inexpensive by any means, but everything is so well made, it wears lik...
by pinecone
Tue Mar 08, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Is an interior designer worth it?
Replies: 33
Views: 7684

Re: Is an interior designer worth it?

If your spouse really wants this and you can afford it, why not? A happy spouse is always a good investment.
by pinecone
Thu Feb 25, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Quitting college
Replies: 141
Views: 13086

Re: Quitting college

Hairdressers can make a lot of money. Unlike computer jobs, hairdressing cannot be outsourced. It's also fairly recession-proof since people will always need their hair done. Most women I know will skimp on most anything before they'll skimp on their hair. (I know I would!) I think college is over-r...
by pinecone
Sat Feb 13, 2016 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: help please, burden of sister-in-law threatens happy marriage
Replies: 41
Views: 6984

Re: help please, burden of sister-in-law threatens happy marriage

With her net worth and pension, she is hardly poor. Not by a long shot. She does not have a money problem, she has a spending problem. She may be "poor" by NYC standards, or in comparison to how you and your wife live, but that does not obligate you to subsidize her so she can continue liv...
by pinecone
Tue Feb 09, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Nest Thermostat: Worth it
Replies: 19
Views: 3958

Re: Nest Thermostat: Worth it

I am happy with my programmable thermostat. I have no experience with Nest. I think software upgrades (in general) can be a hassle, so the last thing I want is one more thing that will require software upgrades and possibly go wrong. I also prefer appliances that are purely mechanical with no mother...
by pinecone
Tue Jan 26, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: 3 Small Dogs - Dental Care
Replies: 19
Views: 2262

Re: 3 Small Dogs - Dental Care

I get great results from PlaqueOff, a powder I add to their food. It does not replace tooth brushing, but it definitely reduces the plaque and need for expensive dental treatments.
by pinecone
Thu Jan 14, 2016 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: What age does LBYM (being a big saver) pay off?
Replies: 81
Views: 13738

Re: What age does LBYM (being a big saver) pay off?

I think it starts paying off immediately, because right away it gives you more security and more choices, and over time the security and choices keep growing. I really don't consider myself a "big" saver (at least not by Mr. Money Mustache standards, and I'm probably average by Boglehead s...
by pinecone
Thu Jan 14, 2016 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 10437

Re: Does a BH play the lottery?

I wouldn't want to deal with all the hassles that come with winning a huge lottery. I like my privacy and wouldn't want a target on my back. Sometimes I play the scratch off games and have pretty good luck with those. Anything I might win with those wouldn't be newsworthy. Win or lose, I consider it...
by pinecone
Tue Jan 12, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for the future vs you only live once
Replies: 72
Views: 13497

Re: Saving for the future vs you only live once

I believe in balance. One thing I am thankful for is that I listened to my father who advised me to "pay myself first" and save via payroll deduction and to do dollar cost averaging investing right from the time I had my first job in my teens. It was a good habit to get into right from the...
by pinecone
Wed Dec 30, 2015 9:55 am
Forum: Personal Consumer Issues
Topic: Help me loosen the purse strings: need an intervention
Replies: 36
Views: 4897

Re: Help me loosen the purse strings: need an intervention

I am not a big spender by nature, nor do I like having a lot of "stuff". I love quality and workmanship, and I will definitely spend money for that, and enjoy doing it. That doesn't mean I only shop at expensive places. Far from it! Expensive doesn't always mean quality anyway. I prefer go...
by pinecone
Wed Dec 23, 2015 8:54 am
Forum: Personal Consumer Issues
Topic: Does anyone use CPI inTouch security system?
Replies: 0
Views: 250

Does anyone use CPI inTouch security system?

Does anyone use CPI inTouch security system? I would like to hear the pros and cons from people who have this.

Thanks!
by pinecone
Sun Dec 20, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Prius V totaled, regret New Honda CR-V
Replies: 41
Views: 6875

Re: Prius V totaled, regret New Honda CR-V

I'm another who loves Volvo seats. Not only are the seats themselves comfortable, but they are also super adjustable, so you can get everything in precisely the right position for your body - angles, distances, etc. I do frequent long distance drives and can attest to the importance of seat comfort.
by pinecone
Sat Dec 12, 2015 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 107
Views: 15463

Re: Single & Frugal or Coupled & (Financially) Incompatible?

This will be a hard row to hoe if you marry her, since her parents essentially encourage her to remain child-like and dependent. This goes beyond just money. It is a mindset. It seems that she likes being rescued and taken care of.
by pinecone
Fri Dec 11, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 107
Views: 15463

Re: Single & Frugal or Coupled & (Financially) Incompatible?

I look at marriage as a partnership. The partners should have similar life goals. They might not agree exactly on how to accomplish those life goals, and that's where compromise comes in. While both partners might say that being financially responsible is a life goal, you must also look at their act...
by pinecone
Wed Dec 09, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Roomba
Replies: 8
Views: 1347

Re: Roomba

It did an OK job. More trouble than it was worth, in my opinion. It was always getting stuck somewhere, and I would have to rescue it. I gave it away and don't miss it.
by pinecone
Mon Nov 30, 2015 10:10 am
Forum: Personal Consumer Issues
Topic: Nice house vs traveling
Replies: 78
Views: 9048

Re: Nice house vs traveling

Don't forget to factor in the cost of home maintenance. The larger and more expensive the home, the larger and more expensive your maintenance costs. Unlike paying a mortgage, where there'll be an eventual finish line and a prize at the end (you own the home), maintenance costs do not increase the v...
by pinecone
Thu Nov 12, 2015 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Husbands Longterm Unemployment Adjusting to New Norm
Replies: 62
Views: 10740

Re: Husbands Longterm Unemployment Adjusting to New Norm

If you are working all day and have an able-bodied 36 year old spouse sitting at home watching TV all day, I hope you're arriving home from work to a spotless house and a hot meal. Marriage is a partnership. I think it is imperative that both spouses contribute equally to the running of the househol...
by pinecone
Fri Oct 30, 2015 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Heading toward divorce- what to look out for?
Replies: 51
Views: 12913

Re: Heading toward divorce- what to look out for?

Thanks for all your replies. Strangers are better than internet resources. Never thought I will need to reach/resolve this stage. I am alone in this country - immigrant for >20 years. So no direct family help. I am not looking for any greener grass. Just need peace and quiet for me and kids - this ...
by pinecone
Sun Oct 25, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Policy Poll
Replies: 60
Views: 6894

Re: Long Term Care Policy Poll

The decade from 50 to 60 will be our peak earning years, so we care more about coverage for that time period than when we are retired. I don't understand why "peak earning years" matters. It matters to us because we still hope to be able to earn money from working and save towards retirem...
by pinecone
Sun Oct 25, 2015 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Policy Poll
Replies: 60
Views: 6894

Re: Long Term Care Policy Poll

I bought LTC insurance for a reason I haven't seen mentioned here yet. Most people seem to buy it with the idea they won't need it for a long time, but they also worry the company won't even be around by the time they need it. My husband and I just turned 50, and our main reason for buying LTC insur...
by pinecone
Thu Oct 15, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Should I tip my house cleaner? If so, how much?
Replies: 11
Views: 1471

Re: Should I tip my house cleaner? If so, how much?

...If your house cleaner is hired through a service I think you should tip weekly. If you are hiring the house cleaner privately (which is what we do) it seems to me that a bonus at the end of the year and some paid days off is sufficient. I have a service that comes every other week. The charge is...
by pinecone
Fri Sep 25, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Disagreements with future spouse over finances: advice for young adult?
Replies: 67
Views: 7652

Re: Disagreements with future spouse over finances: advice for young adult?

I suggested approaching student loan debt in an expedited way, she felt she could ignore the growing interest in favor of a more comfortable lifestyle pre-children. Small things like this... I don't consider that a small thing at all. It represents an attitude towards debt that I couldn't live with...
by pinecone
Mon Sep 07, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Life lessons: Making loans to friends. Insights? Revelations?
Replies: 191
Views: 25857

Re: Life lessons: Making loans to friends. Insights? Revelations?

Other than the occasional spot for lunch or a drink, I've never been in this situation. Still, I have wondered what I would do if a friend or family member asked for a significant amount of money. It would depend on how they normally handle money. If they are the type who lives beyond their means, t...
by pinecone
Fri Aug 28, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: Recommendations for steam mop
Replies: 18
Views: 3042

Re: Recommendations for steam mop

Another vote for the Shark
by pinecone
Mon Aug 24, 2015 12:22 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 47394

Re: The Bogleheads' Silent Majority

Staying the course with dollar cost averaging and looking forward to investments being "on sale" temporarily.
by pinecone
Mon Aug 03, 2015 12:27 pm
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 4639

Re: Crab Grass

Crabgrass will die in the fall. You have two issues to address. 1. you need to get your areas seeded so that you'll have some good grass to grow next spring. You should do this this fall, with seeding taking place somewhere around Labor Day, or the first 10 days of September. I'd rent a power rake ...
by pinecone
Thu Jun 25, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 14214

Re: Money arguments with spouse and how did you resolve

Having accounts for "his", "hers" and "ours" has prevented 99.9% of the money arguments in our marriage. My philosophy has always been "Never a borrower nor a lender be". If I ever did find myself in a position where I had to borrow money, I would offer some v...
by pinecone
Sun Jun 14, 2015 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 112
Views: 20176

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

To EddieJones: One of the benefits of the new job you mention is the shorter commute. Is there a reason you don't live closer to your current job? I chose life balance over money, and I definitely don't regret it. My job pays enough for me that I don't feel the need for more money if it means more s...
by pinecone
Thu Jun 04, 2015 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing over finances.
Replies: 70
Views: 9334

Re: Divorcing over finances.

The only problem is due to her behavior I have no confidence even if we do decide on separate accounts that she would come through indefinitely for say; paying her car payment or the HOA, or whatever we decided on. And if we did have a kid I would surely have to pay for everything when she did not ...
by pinecone
Thu Jun 04, 2015 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing over finances.
Replies: 70
Views: 9334

Re: Divorcing over finances.

I would say so far this most closely describes my situation. But with me it is more like she would leave after a disagreement and would do a combination of taking thousands from our checking account and running up her credit cards (to the tune of about 5 to 10K) while her income would be roughly 40...