Search found 370 matches

by brandy
Thu Jun 13, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Efficiently giving to an individual
Replies: 32
Views: 2775

Re: Efficiently giving to an individual

The contributions must be made to a qualified organization and not set aside for use by a specific person. Would it work to give it to the organization to use for a mid 30's cancer patient with young children of DR.___ at ___hospital. That may still be too general, though. Or even too specific... Y...
by brandy
Tue Jun 11, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Efficiently giving to an individual
Replies: 32
Views: 2775

Re: Efficiently giving to an individual

The contributions must be made to a qualified organization and not set aside for use by a specific person.
Would it work to give it to the organization to use for a mid 30's cancer patient with young children of DR.___ at ___hospital.
That may still be too general, though. Or even too specific...
by brandy
Tue Jun 11, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to donate to a non profit organization anonymously?
Replies: 22
Views: 1998

Re: How to donate to a non profit organization anonymously?

Donating anonymously has always been important to me. When I started, I gave cash. Later I bought postal money orders and put an alias instead of my name. For the past may years I have not been able to do that, so use my name, understanding they really don't know who I am so I am anonymous to them. ...
by brandy
Thu Jun 06, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: New Roof - to RidgeVent or to not RidgeVent
Replies: 39
Views: 4288

Re: New Roof - to RidgeVent or to not RidgeVent

I live in a 2000 sq foot single story house -... in Prescott AZ. I'm a few hours south of you. We are doing a front project to include new deck and facia, and gutters. The current roof (asphalt) I've been told over and over is showing fiberglass and will soon (couple years) need to be replaced (hous...
by brandy
Sun Jun 02, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1492

Re: questions re new roof and house painting

Can the eaves and joists be painted adequately from the ground? Seems to me they'd miss a lot area to be painted. They certainly can't get to joints fully.
by brandy
Sun Jun 02, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Trusts and trustees
Replies: 9
Views: 925

Re: Trusts and trustees

Pretty much what fourwheelcycle said, 'cept my beneficiaries are in their 40's. They know where the papers are, the DEAD book is, and have an idea of the info in that book. They have an idea of what they will need to do, even urls to check for new legal type info. Neither of my kids have asked about...
by brandy
Sun Jun 02, 2019 1:14 am
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1492

Re: questions re new roof and house painting

Believe it or not, they could paint most of that 20 feet from the ground with a roller attached to a looong pole. I'd never seen them do it this way before the last time they did my house, and it actually turned out pretty good. That's funny. One painter said that's probably how they'd do it. I tho...
by brandy
Sat Jun 01, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts and trustees
Replies: 9
Views: 925

Re: Trusts and trustees

I'm old...
first successor is younger daughter yes, a beneficiary
second is a friend nearby a few years younger than I am. No, not a benefidiary
by brandy
Sat Jun 01, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1492

Re: questions re new roof and house painting

edit: The price difference might be that bad after all. Most of your painting can be done from the ground or short ladder. And they won't have to mask off the windows."

Three peaks (and eaves) are ~20 up.
by brandy
Sat Jun 01, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts and trustees
Replies: 9
Views: 925

Trusts and trustees

Do you talk to your successor trustees about your trust? How detailed do you get? My first and second successors know a little about my NOW THAT I'M DEAD book. I have said nothing of my financial situation and don't want to.
What do you all say to them?
by brandy
Sat Jun 01, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1492

Re: questions re new roof and house painting

Thanks! A few (read many) years ago, I might have tried it myself. Age and condition no longer allow such antics, the youngsters can handle all that now! :happy I do not know how other companies handle it, I watched the fellow do hers. He sprayed. I will be getting estimates, thus my question as to ...
by brandy
Sat Jun 01, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1492

questions re new roof and house painting

One story, mostly brick home. Added room, 20x20 has T1-11 siding, as do the peaks from brick up. Two porches about the same size, about 12x40' each. My new white, reflective, energy star rated roof, is to go on in June. The roofers will replace some facia and plywood. After, I will have the wood are...
by brandy
Sat Jun 01, 2019 12:19 am
Forum: Personal Consumer Issues
Topic: Liability Releases
Replies: 8
Views: 757

Re: Liability Releases

"I do not believe disclaimers provide an absolute protection against liability; otherwise people around here would confidently use them for uninsured contractors, etc. etc." I've had people (from freecycle) who come to get things from my yard sign them, and for handymen that I don't know, I ask them...
by brandy
Mon May 27, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Tracking down a wasp nest
Replies: 20
Views: 2002

Re: Tracking down a wasp nest

I make my wasp repellers--not traps. I use lunch size brown paper bags. Open, push hand inside to fully open. I loosely crumple a piece of paper, newspaper page, etc, place it into the bag. I tie the bag closed with a long string, and tie it to a nail/screw where they are trying to build. In my expe...
by brandy
Thu May 23, 2019 7:16 am
Forum: Personal Consumer Issues
Topic: Help with DIY strategy to eliminate termites (outside)
Replies: 12
Views: 881

Re: Help with DIY strategy to eliminate termites (outside)

I've always eliminated ground termites at the bases of my homes with a combination of food grade diatomaceous earth and borax/boric acid (roach killer). When I see them ot the mud tubes going up the foundation, I but a bead about a foot on each side of each tube, and break the tube to interrupt thei...
by brandy
Fri May 17, 2019 11:18 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3518

Re: new roof

On that facia thing, painting the underside of the eaves never occurred to me. It all actually looks like it's in good shape, is it IMPERATIVE to have that done now? Still waiting for estimates. Then two fellows want to repair one section of facia, one wants to replace it. It's the end of the patio ...
by brandy
Fri May 17, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3518

Re: new roof

"So a no call/no show is a deal breaker? Had this happen to me today for a tree removal estimate. Or not returning your call after several days?" It's a deal breaker for me. If you can't get a hold of them, you can't get a hold of them. I called several times, let the phone ring. No way to leave a ...
by brandy
Fri May 17, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3518

Re: new roof

I think I have my roofer, he's licensed, bonded, insured. There is facia work to be done.
Which gets done first?
by brandy
Tue Apr 30, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3518

Re: new roof

"Being busy could be an indicator of being known for good work. Good tradespeople stay busy because they are good. And return calls. And show up on time. And get to charge a premium for not being knuckleheads. Not answering calls/returning calls is a no go for me." A rep of one big co. did not answe...
by brandy
Tue Apr 30, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3518

Re: new roof

Thanks, I will. I have called several roofing companies, some more than once, and got no answer. I am sure they are still in business. I talked to one that said they'd call me back in 6-8 weeks to schedule an appointment. I have two estimate appointments next week. Would like at least one more, mayb...
by brandy
Tue Apr 30, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3518

Re: new roof

I just got off the phone with an Owens-Corning rep. I think she helped me decide on product, even contractor. If I understood everything correctly, Their warranty is on the product, and includes product installed by not licensed people. I do agree though, that unlicensed is not the way to go, due to...
by brandy
Tue Apr 30, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3518

Re: new roof

How about a tile roof? Durable. Permanent. Cool. (also in arizona) Never thought of tile, it's not appropriate for my subdivision. I have GAF cool roof that was installed within part 2 years. I would get 3 quotes and only use a licensed and certified roofer. If it is installed incorrectly it will n...
by brandy
Mon Apr 29, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3518

Re: new roof

Good point--never thought about that. Thanks. :happy
by brandy
Mon Apr 29, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3518

new roof

It's time for a new roof. I'm seriously considering a “cool” roof. Have any of you had experience with the cool roofs on your house? I'm in southern Arizona. I just got a quote for the roof only: regular shingles, Owens Corning, $8100, cool roof, $9450. Then there's the addition of any needed plywoo...
by brandy
Fri Apr 05, 2019 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: terminate the lease of a tenant amicably
Replies: 28
Views: 2447

Re: terminate the lease of a tenant amicably

...Im thinking of offering them full deposit back and half off last month rent as long as they vacate within 3 months while leaving the unit in reasonable shape... [/quote] I would not offer "half off" (assuming prepayment of rent). I would offer full return of deposit and REFUND of last month's re...
by brandy
Tue Mar 26, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: yard service questions
Replies: 12
Views: 1292

Re: yard service questions

If you don't want to use a pool, fill it in with good soil and use it as a garden. Or just have it removed entirely. Hindsight is 20-20. Filling it in was the original intention. When I was finally ready to, the regulations were changed, and now it has to be completely removed. I guess there wasn't...
by brandy
Sun Mar 24, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Please suggest: A forum to discuss relationship problems
Replies: 14
Views: 2393

Re: Please suggest: A forum to discuss relationship problems

Good question, I too would like such a place. Miss Manners isn't it.
by brandy
Sun Mar 24, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: yard service questions
Replies: 12
Views: 1292

Re: yard service questions

strafe wrote:
Sun Mar 24, 2019 5:21 pm
No grass? Do you really need to hire someone? A ready to use jug of Roundup (glyphosate) costs $20 and will take care of your weeds for months. You can get an inexpensive water pump at Harbor Freight.
weeds, no grass. Can't do it anymore.
by brandy
Sun Mar 24, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: yard service questions
Replies: 12
Views: 1292

Re: yard service questions

Seems to me there are two distinct services here, one being yard service the other pool service. Are you sure you save money by asking the same person to do both? I drained the pool several years ago. Though I am in the desert, my (empty) pool gets rain water in it. If the rains are heavy and or se...
by brandy
Sun Mar 24, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: yard service questions
Replies: 12
Views: 1292

yard service questions

It's time for me to hire a yard service. I've never done this. What questions do I need to ask? Lot size 7,635 sqft house about 2000sq feet, 15x30 pool, plus apron. Yard area is all gravel, plus the area between sidewalk and street. two trees, one bush, a couple of cacti, and weeds. I had a man come...
by brandy
Sat Feb 23, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: words in trust to safeguard assets
Replies: 6
Views: 549

words in trust to safeguard assets

I'm old, my dd said I have about 5 years left, I said 20 years, some days I think I won't make it through that day, or the next few days and I'm not wealthy... At any rate she(early 40's) has me dead and buried, and plans to use what she thinks her inheritance will be on (what I think is probably) s...
by brandy
Tue Feb 12, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Black Fly Protective Head Gear
Replies: 16
Views: 1367

Re: Black Fly Protective Head Gear

google Tanglefoot and deer flies or, just Tanglefoot, and read the reviews.A lot tell of help with a variety of flies/insects in gardens and around people...
brandy
by brandy
Tue Feb 05, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: Water in Basement... $11k to fix... Need advice!!!
Replies: 35
Views: 3582

Re: Water in Basement... $11k to fix... Need advice!!!

Have you considered an underground slope? This is another tool to add to your solutions, and you can do it yourself. I did, with my handyman. Google it, but here's one link: https://www.greenbuildingadvisor.com/cad/detail/underground-water-barrier-retrofit-rubber-membrane My ~30 yo house was shiftin...
by brandy
Thu Jan 24, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust and Incapacitation AZ
Replies: 10
Views: 812

Living Trust and Incapacitation AZ

My successor trustee is of course, to take over after my demise, I think with Court permission. (Arizona) (is that correct?) Probably small estate rules, less than 500K. So Court permission may not be needed. If I am incapacitated does the trustee need the Court's permission to take over including a...
by brandy
Tue Jan 22, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 282
Views: 33273

Re: What have you baked recently?

All that bread sure is tempting. My grandmother lived with us, and I grew up on her home-made bread. :happy BUT now I'm on a low carb way of eating, and almost always am gluten, grain, and starch free. Last week I made/baked double recipes of cauliflower meatloaf, pizza toppings casserole, and zucch...
by brandy
Thu Jan 17, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Violin beginner tries an Irish tune, comments welcome
Replies: 8
Views: 879

Re: Violin beginner tries an Irish tune, comments welcome

Good job! You should be very proud of yourself. :beer Here's a little wine (not beer) to celebrate!
by brandy
Thu Jan 17, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: canvas floor cloths for kitchen
Replies: 3
Views: 496

Re: canvas floor cloths for kitchen

Why not make your own? google it, or here's a link: https://www.hgtv.com/design/make-and-ce ... floorcloth
Could be a fun family project!
by brandy
Sat Jan 12, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 242
Views: 15044

Re: Disciplined with finances, but not so with diet

Admittedly, I miss some of my favorite carbs - pizza, chips, potatoes. Maybe when I get to maintenance I can reintroduce some of those in limited amounts. I've been low carb high fat for some time. My biggest two areas for improvement are portion control and resistance to exercise due to other issu...
by brandy
Fri Jan 11, 2019 1:59 pm
Forum: Personal Investments
Topic: 17 mo CD
Replies: 1
Views: 416

17 mo CD

Saw this today, Jan 11, 2019. This may be the first day they put it up. Navy Fed. Credit Union https://www.navyfederal.org/assets/rates/view-all.php Special 17-Month Certificate (Share Only)1 $50 17 months 3.20% 3.25% 1 Limit one Special 17-Month Share Certificate per member. This offer, including t...
by brandy
Sun Jan 06, 2019 6:18 pm
Forum: Personal Investments
Topic: CDs short term, higher interest
Replies: 1
Views: 422

CDs short term, higher interest

Is there any place to get high interest rates on 3 or 6 month term certificates of deposit? Without having to do on-line banking, such as auto deposit, checking or savings accounts?
Right now I have 3 mo at .85 and 6 mo at 1.50APY, $1,000 minimum deposit.
brandy
by brandy
Sun Jan 06, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4938

Re: Retirees: any major goals for 2019?

I dabbled in trying to paint, but not very good. Started making jewelry and beading. Finally, stay joyful!!! 😊 I wanted to add this for budding artists: "The function of the overwhelming majority of your artwork is simply to teach you how to make the small fraction of your artwork that soars. --Art...
by brandy
Sun Jan 06, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Advice Regarding Out-of-Network Billing
Replies: 8
Views: 754

Re: Advice Regarding Out-of-Network Billing

But - back before that change, it was common for people coming in to specify, first thru their surgeon, and subsequently with any interaction with the hospital's surgery department, to specify that an anesthesiologist that accepted <your insurance> was required. I have that hand written on both my ...
by brandy
Sat Jan 05, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4938

Re: Retirees: any major goals for 2019?

...I dabbled in trying to paint, but not very good. Started making jewelry and beading. There's also a Wearable Art forum: All fiber artists, jewelry makers, and others who create wearable art forms are welcome here! http://www.wetcanvas.com/forums/forumdisplay.php?f=136 You don't have to join to r...
by brandy
Fri Jan 04, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4938

Re: Retirees: any major goals for 2019?

...I dabbled in trying to paint, but not very good. Started making jewelry and beading. I don't consider myself very good at painting or drawing, I am learning, as most people at WetCanvas are. (For me, it does take practice and patience!) Join us! There's also a Wearable Art forum: All fiber artis...
by brandy
Fri Jan 04, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4938

Re: Retirees: any major goals for 2019?

I've been retired for about 8 years and really like it... I was wondering if fellow retirees have any big plans or major goals for the upcoming year? I've always been interested in learning how to paint. I started painting two years before I completely retired. I ...plan on restarting this hobby. I...
by brandy
Tue Jan 01, 2019 12:50 pm
Forum: Personal Investments
Topic: annuity payout
Replies: 5
Views: 689

Re: annuity payout

I think I signed the original paperwork in mid 1980's. The only paperwork I think I have is a copy of what I signed. When working on my "NOW THAT I'M DEAD" book, I happened across it, and did call the employer. Now that I'm thinking of it again, and have read some financial info recently, some quest...
by brandy
Tue Jan 01, 2019 4:36 am
Forum: Personal Investments
Topic: annuity payout
Replies: 5
Views: 689

annuity payout

What happens to the unpaid dollars when the buyer of an annuity dies? Does the company keep it? Does it get paid to the estate somehow? What questions should I ask? I need to get information, but I don't know the questions to ask. Years ago I had part of my paychecks withheld and at the time of my d...
by brandy
Tue Jan 01, 2019 4:29 am
Forum: Personal Finance (Not Investing)
Topic: How to choose a rental property?
Replies: 10
Views: 1196

Re: How to choose a rental property?

You do not have to sign up to read and learn on biggerpockets, unless they've very recently changed. You could also set up a different email and sign up with it to maintain some anonymity.
by brandy
Sat Dec 29, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 46
Views: 6361

Re: Tips on preventative home maintenance?

Good lists, thanks. I see a few things that I need to have checked and repaired.

check/clear weep holes in window assemblies
boiling hot water down drains once a month
run empty dishwasher every 5-6 weeks or so w/bowl of vinegar inside
by brandy
Fri Dec 28, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Tips to Save without hassle
Replies: 32
Views: 2554

Re: Tips to Save without hassle

"Just being home for the holidays I noticed I probably saved about a hundred by not eating out for lunch every day or heading over to the coffee shop for a chai tea. Multiply that by 50 or so weeks in the year, that really adds up for a lot of extra expenses." After my son-in-law discovered all the...