Search found 141 matches

by blmarsha123
Wed Jul 11, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 36385

Re: free dinner investing seminar

Mulling over another plate licking opportunity. (I mean, Exclusive Dinner Event to learn How to Reduce Your Taxes and Properly Use Your Assets in Retirement). Later this month at one of the local legend steak houses. (The coach maybe still trying to win without the QB?) Main entree choices are 8 oz...
by blmarsha123
Mon Jul 09, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Thoroughly cleaning grimy tile
Replies: 19
Views: 2389

Re: Thoroughly cleaning grimy tile

Get a stack of Magic Eraser cleaners from Costco. They usually sell them in bulk. They are.....magic. ^^^This REALLY works! Who knew? I do now (just used them to easily and completely clean a couple of ceramic tiles in the bathroom). It's off to Costco (or Walmart) tomorrow to get a gross of them. ...
by blmarsha123
Wed Jun 27, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6812

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

I bought a 2007 Ridgeline during a (for us) very, very snowy winter. Something for my wife and I to get around in a new location, not get stuck, centered, etc. (Should I have gotten a Pilot? ... Maybe.) Anyway, like others have posted here, I liked the AWD, four door adult seating in back, the bed, ...
by blmarsha123
Wed Jun 27, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3408
Views: 1015420

Re: What Book Are You Currently Reading? Part VI

The Terror by Dan Simmons. Historical fiction based on the 1845 Franklin Expedition to search for the Northwest Passage. Checked out of the local library after watching several episodes of the recent AMC original series of the same name. The series was surprisingly close to the book with one major ...
by blmarsha123
Mon Jun 25, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC: Social Security buying power has slipped by a third for retirees
Replies: 95
Views: 7479

Re: CNBC: Social Security buying power has slipped by a third for retirees

Not terribly surprising, given the exponential increase in healthcare. I'm not quite sure where the increase, if any, is coming from. A friend just had robotic abdominal surgery and the surgeon got paid $600 by medicare, while the anesthesiologist raked in a whopping $125. I'm paying an appliance r...
by blmarsha123
Thu Jun 07, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: good place to buy window curtains
Replies: 9
Views: 947

Re: good place to buy window curtains

Depends on your tastes and decor: Vermont Country Store (formerly Country Curtains): https://www.vermontcountrystore.com/country-curtains-welcome Smith+Noble: https://www.smithandnoble.com/ JC Penny: https://www.jcpenney.com/g/curtains-drapes/N-1b0lvh6D1noxaa We have used all of these with good res...
by blmarsha123
Sat May 19, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6672

Re: Neighbor wants to use our land temporarily - let them or not?

As someone else posted, sell the lot. As others have posted, be a good neighbor ... this time . I think that you need to sell or build, or if those are not practical, reclaim your lot as soon as this latest episode is over. Nothing you can or really should do about it now. Odds are this is not the f...
by blmarsha123
Sun May 06, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: id.me
Replies: 5
Views: 954

Re: id.me

I used id.me to set up an account late last year so that I could apply for a veterans ID card. The identification process (scanning and submitting my DD-214 and other information to id.me) was pretty straight forward. There were a few hiccups when using id.me to sign in to the VA system, that have s...
by blmarsha123
Fri May 04, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2869

Re: Growing Fruit Trees and Shrubs

I completely forgot about my cherry tree. Until the sudden freeze that year, we looked forward to homemade sour cherry pie (that is, when we could beat the birds to the ripe cherries).
by blmarsha123
Fri May 04, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 13882

Re: Warning: avoid Windows 10 update 1803

Didn't mean to turn the thread into Apple vs Microsoft. I should have mentioned that after the last big Windows 10 update (Fall 2017), my PC was down sometimes several times a day, and had issues booting because of the display driver. Now I should also mention that my PC is not officially supported ...
by blmarsha123
Fri May 04, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2869

Re: Growing Fruit Trees and Shrubs

I agree that fruit bearing trees are highly dependent on your region. In my area, I have had apple, apricot and plum trees. The plum trees produced the best with the least overhead, apricot the worst; apple required a fair amount of maintenance (unless you wanted to pick through a bushel of wormy ap...
by blmarsha123
Fri May 04, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 13882

Re: Warning: avoid Windows 10 update 1803

Some of the applets (Mail, Money, Weather) no longer work after the update on my 8 year old HP desktop. Fortunately, Outlook 2016 (and the other Office 2016 apps) are still working. The only other downside that I have noticed so far is increased memory utilization, from roughly 30% on average to now...
by blmarsha123
Tue May 01, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Everything You Need to Know on an Index Card
Replies: 33
Views: 4461

Re: Everything You Need to Know on an Index Card

General advise ... There's no such thing as a free lunch. (Plate scrapers aside.)
by blmarsha123
Sat Apr 07, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Cost of Dental Implant
Replies: 81
Views: 9948

Re: Cost of Dental Implant

Very routine single implant and crown cost me $5700 (last year). No extraction (done years ago) or other complications. Declined anesthesia (took two Darvon instead), which saved me about $500 if I remember correctly. I declined anesthesia as well. I just looked back at my file and it would have be...
by blmarsha123
Sat Apr 07, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Cost of Dental Implant
Replies: 81
Views: 9948

Re: Cost of Dental Implant

Very routine single implant and crown cost me $5700 (last year). No extraction (done years ago) or other complications. Declined anesthesia (took two Darvon instead), which saved me about $500 if I remember correctly.
by blmarsha123
Fri Apr 06, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: What is Megacorp?
Replies: 62
Views: 5316

Re: What is Megacorp?

Texanbybirth wrote:
Fri Apr 06, 2018 3:28 pm
Thanks OP, I got a good chuckle reading some of the responses.

I always picture "MegaCorp" as either Apple (any poster who is an engineer) or AT&T (any poster who is a non-engineer). I have no idea why! :confused
Huh. Never heard of Bell Labs, I guess.
by blmarsha123
Sat Mar 31, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 94
Views: 13378

Re: HOA vs No-HOA

the HOA where I live is great. Board is filled with reasonable people with common sense. Got 2 emails in the last 10 days, they'll be fertilizing between these dates and asking if I prefer brown or black mulch in my flower beds. +1 Maybe because I live in an HOA community of maybe 20,000 residences...
by blmarsha123
Fri Mar 30, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372483

Re: What are you up YTD? [Year To Date]

-1.82

AA 36/61/3

So much for a conservative portfolio, at least this quarter.
by blmarsha123
Tue Mar 06, 2018 8:33 pm
Forum: Investing - Theory, News & General
Topic: Medicare IRMAA
Replies: 21
Views: 2350

Re: Medicare IRMAA

Probably would not hurt to submit an appeal in your case. Just this year I successfully appealed an IRMAA decision based on circumstances somewhat similar to yours (an outlier year not specifically listed as one of the life changing events), although I did have one wrinkle that may have helped. I co...
by blmarsha123
Sat Mar 03, 2018 4:45 pm
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 10564

Re: AAPL, AMZN, or GOOG?

I wonder if Vanguard Morgan Growth (VMRAX) could be an alternative to the individual stocks? The current top ten (over 28% of the net assets of the fund) includes Alphabet, Amazon and Apple, and also Facebook and Microsoft.
by blmarsha123
Fri Mar 02, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 36385

Re: free dinner investing seminar

Mulling over another plate licking opportunity. (I mean, Exclusive Dinner Event to learn How to Reduce Your Taxes and Properly Use Your Assets in Retirement). Later this month at one of the local legend steak houses. (The coach maybe still trying to win without the QB?) Main entree choices are 8 oz...
by blmarsha123
Fri Mar 02, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3408
Views: 1015420

Re: What Book Are You Currently Reading? Part VI

Ike and McCarthy: Dwight Eisenhower's Secret Campaign Against Joseph McCarthy by David A. Nichols Picked it up because I was interested in a different reading about the issue of whether or not Ike threw Marshall under the bus. Written by a self described authority on Eisenhower, there was a lot tha...
by blmarsha123
Fri Mar 02, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 36385

Re: free dinner investing seminar

Mulling over another plate licking opportunity. (I mean, Exclusive Dinner Event to learn How to Reduce Your Taxes and Properly Use Your Assets in Retirement). Later this month at one of the local legend steak houses. (The coach maybe still trying to win without the QB?) Main entree choices are 8 oz ...
by blmarsha123
Thu Feb 08, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 36385

Re: free dinner investing seminar

Be prepared to get a cheap, overcooked chicken dinner followed by at least a hundred follow up phone calls. Au contraire. My first seminar was at one of the top steak houses in the city, and dinner included a very nice selection of wines. Another at an Italian restaurant that we happen to enjoy, an...
by blmarsha123
Tue Jan 30, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3408
Views: 1015420

Re: What Book Are You Currently Reading? Part VI

Hue 1968 by Mark Bowden. Subtitle: A Turning Point of the American War in Vietnam Checked out yesterday and finished Part One: The Infiltration and Part Two: The Fall of Hue. A couple of things that never cease to amaze me: The almost complete surprise of the offensive and compared to the Americans...
by blmarsha123
Wed Jan 24, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 10731

Re: Working in the real world

To the OP ... I know that you probably know this but maybe worth repeating ... My suggestion is to cherry pick Bogleheads like you would most other things. Spend less time (regularly) reading Personal Investing and Person Finance and do most of your reading in PCI and Theory, which I find educationa...
by blmarsha123
Thu Jan 18, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Indestructible winter gloves
Replies: 11
Views: 1546

Re: Indestructible winter gloves

How about snowboarding gloves or mittens? I bought a pair of Head snowboard mittens at Costco a few years back (less than $20 if I remember correctly). They have a nylon / microfiber interior fitted glove attached to a waterproof outer shell. The shell has wrist straps that tighten and a zipper pouc...
by blmarsha123
Thu Jan 18, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 4403

Re: How do you adjust side mirrors in a car?

Like you, knightrider, I adjust to the blind spots. And although I never have to turn my head to make lane changes, by habit, I still do, although not in the exaggerated way that I once did (and learned to do when beginning to drive). I forget where I first learned of this technique, but I remember ...
by blmarsha123
Mon Jan 15, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: the blockchain effect
Replies: 5
Views: 884

Re: the blockchain effect

Reminds me of the good 'ol days in the late '90s when just ".com" or "online" added to a company name would cause its share price to skyrocket. As someone used to sing on an old television show, "Those were the days!" I remember a Dilbert strip from that era, Wally with a ponytail. The venture capi...
by blmarsha123
Tue Jan 09, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 13463

Re: New mattress

Here is what the warranty actually says. Were you told this by a customer service person? In the what is covered section of the warranty: Normal wear requires that a purchaser’s mattress be continuously supported by a matching, solid foundation, base, or frame substantial enough to support the matt...
by blmarsha123
Mon Jan 08, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 8075

Re: Lowball offer on a home

In a way it sounds like you really want the house. But you don't want to pay market value. You want a bargain. So it needs work. Almost all resales need work. I would not lowball, but maybe split the difference (say, 50k). But quickly. If it went on the market in November, it is not surprising that ...
by blmarsha123
Mon Jan 08, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 13463

Re: New mattress

https://thewirecutter.com/reviews/best-foam-mattresses-you-can-buy-online/ i use these guys for alot of purchases, Heres a question, can you keep your old boxspring from your mattress from 15+ years ago and just replace the top? You can, but if my memory is correct, Wirecutter recommends you get a ...
by blmarsha123
Tue Jan 02, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3408
Views: 1015420

Re: What Book Are You Currently Reading? Part VI

^^ (Just finished Deep Freeze ... freakin' Flowers!) High Noon: The Hollywood Blacklist and the Making of an American Classic by Glenn Frankel Interesting book, with all the background on the writers, directors and artists. A lot about Gary Cooper; what a career. Oh, and John Wayne is quoted as sayi...
by blmarsha123
Sun Dec 31, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Ever drink Chartreuse?
Replies: 16
Views: 1805

Re: Ever drink Chartreuse?

Ah, yes. Green Chartreuse and pineapple juice. Another blast from the past.
by blmarsha123
Sun Dec 31, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: residential gas furnace/air conditioner recommendations
Replies: 15
Views: 1300

Re: residential gas furnace/air conditioner recommendations

I had a Goodman unit put in then figured out the installer, after giving a price, is going to put in the cheapest thing he can find. Checked Google and a lot of people were casting dispersion on the brand. Then I talked to a couple of HVAC guys and they both said there's nothing wrong with Goodman ...
by blmarsha123
Sun Dec 31, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Top load washing machine
Replies: 11
Views: 1435

Re: Top load washing machine

About six months ago I replaced my (second) front loader with an LG WT7600HWA top loader. We feel that the clothes are cleaner and without a doubt, smell better (and the laundry room definitely smells better). Will never get a stinkin' front loader again.
by blmarsha123
Sat Dec 30, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372483

Re: What are you up YTD? [Year To Date]

Up 12.01% (401k), according to Fidelity as of 12/29/17. That's 44% stock, 52% bond, 4% other distributed across Total Bond, International Stock, and Wellington.

Coming up on my third year in retirement, and was very pleased with this year's results.
by blmarsha123
Sat Dec 30, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9859

Re: Keeping a checkbook register

Added after numerous comments: Thank you all for your comments. It seems that most are comfortable not keeping a register and most in that group use an alternate like Quicken or Mint. Im not interested in those. Without these, would you still not keep a register? When I used other tools for trackin...
by blmarsha123
Sat Dec 30, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: We bought a house in June, and the ac & furnace system do not work. What should we do?
Replies: 49
Views: 4253

Re: We bought a house in June, and the ac & furnace system do not work. What should we do?

The Inspection of course is only as good as the Inspector. Exactly! Inspector of my current home was worthless. Spent more time telling me what he couldn't inspect than actual inspecting. Big glossy report full of nothing. Complete waste of time and money. Contrast with inspection of prior home, do...
by blmarsha123
Sat Dec 30, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 8778

Re: The Economics of a new Puppy

I won't judge anyone from getting a puppy for a breeder (not a puppy mill). Not sure why there is so much animosity toward getting a puppy vs. a rescue dog. They can both be good dogs. I've had some issues with children and rescue dogs so I will probably be getting a puppy from a reputable breeder ...
by blmarsha123
Sat Dec 30, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 8778

Re: The Economics of a new Puppy

I am probably on the higher end of the puppy econ scale from most other Bogleheads, wrt food and treats, toys, vet, grooming and so on. But I have no regrets. Some comments ... Rescue puppy. We adopted a 1 - 2 year old from the Rocky Mountain Westy Rescue with absolutely no issues. I didn't find the...
by blmarsha123
Wed Dec 20, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Expenses, cash flow in retirement
Replies: 20
Views: 3325

Re: Expenses, cash flow in retirement

I think you might consider a two-step process. There are over-55 communities in which there are properties which are condo or otherwise have exterior maintenance . My Winter home is located in this kind of community. They have over 100 clubs, a golf course, pickle ball, tennis, pools, and many, man...
by blmarsha123
Sun Dec 17, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Expenses, cash flow in retirement
Replies: 20
Views: 3325

Re: Expenses, cash flow in retirement

So, you now have some surplus cash flow. These CCRC places want to get you in before you really need their services. That way, you make money for them from the gitgo. So, the question is when you join......and between now and then you could save a few bucks more and be in a position to pay for any ...
by blmarsha123
Sun Dec 17, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Expenses, cash flow in retirement
Replies: 20
Views: 3325

Re: Expenses, cash flow in retirement

Typically these CCRC places have three phase occupancy. When you are healthy(often called Independent Living), when you need assistance, and nursing home level. Does the monthly cost increase as you move into needing assistance with dressing, eating etc? Same question with nursing home care? When m...
by blmarsha123
Sat Dec 16, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 7912

Re: New Car - Always use parking brake ?

In the old days I would pull up on the parking brake handle a little to slow the car down if I was going a bit too fast and if I noticed a police car behind me and I didn't want him to see my brake lights come on. This wouldn't work with those parking brakes that have a pedal you have to push all t...
by blmarsha123
Sat Dec 16, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 11355

Re: How much do you spend on food per month, per person?

Family of 3, $83.33 each. $250 total. We never eat out So you eat for less than $3 a day each.That is a good lesson for people who think they are saving money by eating at McDonalds and the like.It takes some time and planning to eat a decent diet for less than 3 bucks a day. But wouldn't you have ...
by blmarsha123
Sat Dec 16, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Out of Network question
Replies: 37
Views: 2972

Re: Health Insurance Out of Network question

Maybe others have knowledge or views - but with such insurance plans (except for the captive HMOs) isn;t it very unusual that there is no provision whatsoever for out of network providers? The other part of research is to determine who, how and why this pathologist was used? Not unusual -- that is ...
by blmarsha123
Sat Dec 16, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Out of Network question
Replies: 37
Views: 2972

Re: Health Insurance Out of Network question

Maybe others have knowledge or views - but with such insurance plans (except for the captive HMOs) isn;t it very unusual that there is no provision whatsoever for out of network providers? The other part of research is to determine who, how and why this pathologist was used? Not unusual -- that is ...
by blmarsha123
Sat Dec 16, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 11355

Re: How much do you spend on food per month, per person?

Budget is $250 per person. Another $100 a month per person dining out.

Edit to add ... Another $100 a month per person for the Beauty category and $250 per month (total) for Household (i.e., cleaning supplies, paper products, etc.). And well, our Westie ... I guess that's another $100 a month.
by blmarsha123
Sat Dec 16, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3408
Views: 1015420

Re: What Book Are You Currently Reading? Part VI

Grant by Ron Chernow Another excellent biography by the author of Washington and Alexander Hamilton . Briefly (well, at least for this epic) covers his early days with the bulk of the book dedicated to the War years (about 400 pages) and after the war through the Presidency (another 300 pages). The...