Search found 118 matches

by blmarsha123
Thu Feb 08, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 245
Views: 15840

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: 2854
Views: 894757

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: 8817

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: 1337

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: 3679

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: 732

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: 75
Views: 7750

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: 7082

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: 75
Views: 7750

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: 2854
Views: 894757

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: 1568

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: 930

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: 1173

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: 1752
Views: 312086

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: 95
Views: 5901

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: 3536

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: 7310

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: 7310

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: 2947

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: 2947

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: 2947

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: 7110

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: 9372

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: 2463

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: 2463

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: 9372

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: 2854
Views: 894757

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...
by blmarsha123
Sat Dec 16, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Expenses, cash flow in retirement
Replies: 20
Views: 2947

Re: Expenses, cash flow in retirement

In the CCRC around here, there is an option to be there without using their meal plans. I think you can get an attached dwelling with a kitchen and live there without paying for their food. This would reduce the expense during the early years of your occupancy. Not sure how old you are. I think I w...
by blmarsha123
Thu Dec 14, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Restricted Application Dettails
Replies: 9
Views: 947

Re: Social Security Restricted Application Dettails

I checked the status of my application this afternoon. It is in Step 2 of 3 (whatever that is). No notifications or contacts from SSA as of today. I'll update this post when I hear something. Updated this PM ... My restricted application appears to have been approved (a few days after returning the...
by blmarsha123
Wed Dec 13, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Expenses, cash flow in retirement
Replies: 20
Views: 2947

Re: Expenses, cash flow in retirement

Is there a lump sum buy-in requirement at the CCRC? How much? Where will the money come from? What are the monthly fees? What money will you save at the CCRC, what extra expenses might you have? Any of the CCRC expenses considered medical expenses for tax purposes? Yes, the residences run from the ...
by blmarsha123
Wed Dec 13, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Expenses, cash flow in retirement
Replies: 20
Views: 2947

Re: Expenses, cash flow in retirement

Ok, you have cash coming in and cash going out. In the recent past, your cash flow was negative $2k per month which you were making up with withdrawals from a 401k. In the near future, you will switch to a positive cash flow of $2k per month. This is a net change of plus $4k per month. This is good...
by blmarsha123
Wed Dec 13, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Expenses, cash flow in retirement
Replies: 20
Views: 2947

Re: Expenses, cash flow in retirement

Let's say that at the moment, expenses are $6,000 a month and income (pensions, SS) is $4,000 a month. The difference was initially (~ 18 months) made up from after tax savings and more recently, from 401k withdrawals (not really counting that as income, though -- is that wrong?). Soon, will pay of...
by blmarsha123
Wed Dec 13, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Expenses, cash flow in retirement
Replies: 20
Views: 2947

Re: Expenses, cash flow in retirement

The Wizard wrote:
Wed Dec 13, 2017 9:21 am
FiveK wrote:
Tue Dec 12, 2017 10:36 pm
CRCC?
Perhaps CCRC...
Sorry; yes, Continuing Care Retirement Community.
by blmarsha123
Tue Dec 12, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Expenses, cash flow in retirement
Replies: 20
Views: 2947

Expenses, cash flow in retirement

Coming up on three years in retirement, and will soon see a significant reduction in expenses along with a new income stream. I wonder if I am looking at this correctly? Let's say that at the moment, expenses are $6,000 a month and income (pensions, SS) is $4,000 a month. The difference was initiall...
by blmarsha123
Tue Dec 12, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 213
Views: 17860

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Travelgeek, The email doesn't always show everything. I saw this at the end of my most recent email: "You may have more mail or packages than is shown here. To check, go to your Dashboard." Other then bulk-mail, my emails have always matched up what I actually get in my mailbox. I'm not sure if the...
by blmarsha123
Sun Dec 10, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 5560

Re: I am buying a car: Most/Least Reliable Makes?

One of the best (most reliable) cars that I've owned was an Acura Integra GS (older model, I know). Consistent and routine maintenance. Ran like a charm, and fun to drive. Lexus (1997 ES300) dropped the transmission on the way down Floyd Hill. A second try with a 2010 RX 350 completely soured me on ...
by blmarsha123
Sat Dec 09, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 1026

Re: carefirst or Kaiser Rockville Md

If your parents live in northern Virginia or Montgomery county or NW DC, they should have absolutely no issues with Kaiser. Very good facilities (including referrals, if required, to some great non-Kaiser facilities) and a many, many specialists. Now if they live in Southern MD or PG county, differe...
by blmarsha123
Fri Dec 08, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3962

Re: Please suggest a dry hands product

I've had success with Kiehl's (Ultimate Strength Hand Salve). Neutral odor, however, does contain alcohol. Liberal use is the key for my dry hands.
by blmarsha123
Wed Nov 29, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Restricted Application Dettails
Replies: 9
Views: 947

Re: Social Security Restricted Application Dettails

That is almost exactly what I just (four business days ago) did. The only difference in my application, I am already (just) 66. In the Remarks section, like you, I wrote that "this application is a restricted application for spousal benefits ONLY" and that "I am NOT applying for a benefit on my own ...
by blmarsha123
Tue Nov 28, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: failing at hobbies and leisure
Replies: 47
Views: 5330

Re: failing at hobbies and leisure

Someone up-thread mentioned volunteering. How about ... Project C.U.R.E. Could include travel. One of the regular (clinical) volunteers at the Denver warehouse also does needs assessments. He just returned from a week in Ghana, and has gone to other countries in Africa and also Central America, the ...
by blmarsha123
Tue Nov 21, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 113
Views: 10641

Re: GE - a good value?

What's the difference (or rather, what's similar) between GE in 2017 and IBM in 1993? Maybe that's what the OP is trying to fathom. Is it worth the bet? If I remember correctly, IBM was in the 40s in mid-1993. Gerstner had just come aboard. A year later, IBM was in the 80s and by 1995, 120. I believ...
by blmarsha123
Sun Nov 19, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 4296

Re: Your favorite Costco wines?

I picked up a mixed case of Kirkland wines just last week. I finished the first bottle: Kirkland Napa Valley : Meritage : Red : 2014 A blend, surely not for some, but I was very pleased. I think that they are carrying beer, wine and liquor at that location for the holiday season. Among the selection...
by blmarsha123
Sun Nov 19, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance: AAA vs. Travellers
Replies: 18
Views: 1181

Re: Auto Insurance: AAA vs. Travellers

If you're shopping, do it right. Get a few more quotes, Geico, Progressive, and Allstate. You can do it online. You might also try The Hartford. As in everything else, your results may differ, living in the bumper car capital of the US, shopping auto insurance is always a losing game here in South ...
by blmarsha123
Sat Nov 18, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 26
Views: 1519

Re: Timing if Medicare annual physical

My wife and I have been on Medicare for a couple of years now and have never received any kind of notice about wellness physicals. Is there something you have to do to sign up for these? If referring to the list of preventative services that I posted upthread, the following was also part of the e-m...
by blmarsha123
Fri Nov 17, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 26
Views: 1519

Re: Timing if Medicare annual physical

I recently "celebrated" my first year on Medicare. I got the information below in an e-mail from CMS. Note that the date for my next AWV is a year and two months since my first AWV (Nov. 2016). However, I am not sure about the particulars of the AWV. I had a follow-up visit (with tests) in January 2...
by blmarsha123
Fri Nov 17, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Confused!!!! CRCCs or home care..? Help!!
Replies: 12
Views: 1346

Re: Confused!!!! CRCCs or home care..? Help!!

One other thing to consider, although this may be obvious to you and others who are researching CRCCs... Could be that if either spouse needs long term care in the CRCC you will find yourself having to make "double" payments. That is, you still have to make your regular monthly payment for your resi...
by blmarsha123
Sat Nov 11, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: ID.me and credit freeze
Replies: 1
Views: 337

ID.me and credit freeze

ID.me apparently uses one or more of the credit bureaus to verify one's identity when setting up an account. Although I found a work around, it got me to thinking: Is there a cost associated with unfreezing credit? Is the unfreeze temporary? Or is there a cost associated with refreezing credit? Back...
by blmarsha123
Sat Nov 11, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Working on elevator pitching, sales charisma
Replies: 8
Views: 987

Re: Working on elevator pitching, sales charism

Write it down. Keep it short, be positive, be honest, be forward thinking.

Practice. Try it out in the mirror. Try it out on family and friends. Try it out on strangers in elevators, on the train, etc.
by blmarsha123
Fri Oct 27, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 5664

Re: What is going on with the home insurance rates?

Depending on state, I understand that many types of insurance (HO, auto, etc.) may be affected by the insured's credit score. I might check that out as well. <snip> This is exactly what happened to me this fall. Both auto (20%) and HO (30%) increases were due to something called the Insurance Score...
by blmarsha123
Fri Oct 27, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 3437

Re: dishwasher recommendations

I replaced a 12 year old Asko with a Bosch 800 series (SHPM78W55N) earlier this year. After using for six months, not sure that I would get another Bosch. I mean, it cleans very well and is very quiet and because I had the Asko, I was used to the drying and interior and rack issues. But the Asko was...