Search found 1872 matches

by Lynette
Thu Sep 13, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 6289

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
Wed Sep 12, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3276

Re: Remodel for aging in place

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by Lynette
Sat Sep 08, 2018 6:52 pm
Forum: Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8512

Re: Scaring the Old Folks

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by Lynette
Fri Sep 07, 2018 6:21 am
Forum: Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8512

Re: Scaring the Old Folks

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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: 1760

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 1:47 pm
Forum: Non-US Investing
Topic: Windfall in rubles: how should we invest it?
Replies: 22
Views: 2111

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: 1760

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: 1760

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: 1760

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: 1760

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: 1760

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: 2583

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: Personal Investments
Topic: Retired at 68 with 500K; leave in 401k or move to IRA?
Replies: 10
Views: 3290

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: 2583

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: 113
Views: 12751

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: 3458

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: 5354

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: 5354

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: 5354

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: 5354

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...
by Lynette
Sun Aug 19, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Info on Al-Farabi Kazakh National University
Replies: 28
Views: 2629

Re: Info on Al-Farabi Kazakh National University

There are institutions in the US that will validate foreign degrees. My degrees that I obtained in the sixties are from South Africa. At that time much of the education was based on the British model. This was quite different to the US model as education was highly centralized with national exams. A...
by Lynette
Sat Aug 18, 2018 6:58 am
Forum: Personal Investments
Topic: Elderly Relative Short on Money
Replies: 98
Views: 9079

Re: Elderly Relative Short on Money

Sorry to hear about this situation. I can understand you not wanting to have her work at a minimum-wage job. But if she provides you with great housekeeping and child care services, I think you should pay her the market value for her services. Otherwise I would start to fund a separate account for t...
by Lynette
Mon Aug 06, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 7626

Re: Best way to lose $200 in taxable income?

I assume you are referring to Medicare IRMAA: https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html There are additional costs for Medicare D. I don't know in advance if I will get pesky dividends in my taxable to push me into the next bracket. I was not aware of Medicare IRMAA...
by Lynette
Fri Aug 03, 2018 5:47 am
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1999

Re: Why is new strip of lawn different color?

Thanks for the replies - I think it is a variety of reasons that helpful contributors have given.. I should never have retired then I would not be looking at my lawn so closely! I notice that there is also this darker grass in another area so that this is definitely due to different seed mixed with ...
by Lynette
Wed Aug 01, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1999

Re: Why is new strip of lawn different color?

I think the different color grass is from a different variety. I had this happen with my lawn and tore up the new different area out and reseeded. There is probably a good lawn service out there, but it takes some work and discussions with them to get things going. I am not sure why you are treatin...
by Lynette
Wed Aug 01, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1999

Re: Why is new strip of lawn different color?

I walked over my lawn and was depressed at how uneven it is. I've planted a lot of trees that will take up most of the lawn at the top - when the trees grow large enough to hide the balcony that looks over my yard. Yesterday I tried to even out a section with a rotor tiller. Then it rained and most ...
by Lynette
Wed Aug 01, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1999

Re: Why is new strip of lawn different color?

Check for a septic tank or field. In 1976 Erma Bombeck wrote a book about suburban living titled "The Grass is Always Greener over the Septic Tank." Thanks - maybe drain - not septic tank. There is a drain that leads from the driveway runoff catch basin to the one at the back. The dark green grass ...
by Lynette
Wed Aug 01, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1999

Re: Why is new strip of lawn different color?

Thanks. I am 95% certain that the original lawn is mainly Bluegrass. The mixture I used contained a mixture of rye grass, fescue and blue grass. I live in Michigan and I see that Michigan state has a lively agricultural/master gardener courses etc but nothing close. I'm in for a massive amount of wo...
by Lynette
Wed Aug 01, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1999

Re: Why is new strip of lawn different color?

Get your soil tested. In different areas and compare. Also, you "assumed" the grass seed was the same. You can take the grass to your Coop extension and they can tell you. Once you have the facts, you can adjust fertilizer or replant different grass seed....but you need the facts first. Thanks. Whe...
by Lynette
Wed Aug 01, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1999

Why is new strip of lawn different color?

I wonder if anyone knows why my new strip of lawn is a different color? My house was built in 1950 and the different parts of the lawn in the back yard probably reflect different owner's preferences. I used to do my own lawn but one day the lawn mover would not start so I hired a service. They subco...
by Lynette
Mon Jul 30, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Realities of Early Retirement Model (FIRE)?
Replies: 96
Views: 10358

Re: Realities of Early Retirement Model (FIRE)?

very low health insurance premiums (bought through ACA), I have a friend who retired in his late 40s... does the same. He must have millions in IRAs, but he manipulates his income to show an AGI barely in the double digits to get dirt cheap healthcare. The thing that bugs me... this healthcare is n...
by Lynette
Sun Jul 29, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Dual language vs Traditional Public School
Replies: 23
Views: 1454

Re: Dual language vs Traditional Public School

Elementary school, in the US, is customarily about K-5 (ages 5-10, roughly). Sometimes K-4, sometimes K-6. Thanks. In that case, I would put the child in the mono-lingual class. Without evidence, I think that the child needs to get a strong basis in their home language especially for subjects such ...
by Lynette
Tue Jul 24, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 7481

Re: Daughter wants to travel on her own to Montreal

How is she going to get to Montreal - fly or drive. Its a long trip from Detroit. If she flies will she hire a rental car. Montreal is a very large place. I agree with Meg that I find it surprising that she wants to go on her own. I went to Montreal on my own a few years ago. Language is not an issu...
by Lynette
Mon Jul 23, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Any Boglehead plumbers? Need help.
Replies: 16
Views: 1854

Re: Any Boglehead plumbers? Need help.

. . . somehow I haven't learned my lesson to give up on DIY projects. I can afford to pay someone else but my tightwad side feels the need to try anyway. I guess I'm only out about $24 plus a few hours of my life more than I otherwise would have. Absolutely Blaugranamd, when it comes to plumbing, s...
by Lynette
Fri Jul 13, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 109
Views: 5999

Re: Advice on IT Certification program

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by Lynette
Thu Jul 12, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 21178

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads: Simple way to invest

Bogleheads: Tried and tested way to invest

Bogleheads: Sensible way to invest

Bogleheads; Grow your money with the market

Thanks Mel and Rick.

Lynette
by Lynette
Thu Jul 12, 2018 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 10162

Re: Keeping a checkbook register

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by Lynette
Wed Jul 11, 2018 5:11 am
Forum: Personal Consumer Issues
Topic: Tool cabinets?
Replies: 32
Views: 2472

Re: Tool cabinets?

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