Search found 61 matches

by Rudy Tooty
Wed Apr 07, 2021 9:16 pm
Forum: Personal Consumer Issues
Topic: Recommendation for simple home gym
Replies: 41
Views: 3212

Re: Recommendation for simple home gym

It's most important to find an exercise that she finds enjoyable so she continues doing it. Does she enjoy nature? Then buy a nice pair of walking shoes, find a nice trail around a lake or something - and walk it 4 times a week for an hour at a time while listening to music or whatever. Gyms have st...
by Rudy Tooty
Sat Apr 03, 2021 12:59 am
Forum: Personal Consumer Issues
Topic: Costco organic chicken / eggs
Replies: 23
Views: 2234

Re: Costco organic chicken / eggs

So tell me. If chicken and eggs are marked "organic" what does that really mean and how do I know for sure that they are "organic"? Not saying they aren't. But how would I know for sure? Or does it just require faith that we're getting what we're paying for? https://www.usda.gov...
by Rudy Tooty
Sat Apr 03, 2021 12:32 am
Forum: Personal Consumer Issues
Topic: how to determine the cost of medical procedure
Replies: 18
Views: 2057

Re: how to determine the cost of medical procedure

The actual hands-on physical exam I get from my doctor during my annual physical is very limited. He generally listens to my heart and lungs, checks my blood pressure and makes sure I'm not running a fever. Occasionally he looks in my ears and eyes with his lighted instrument. Rarely does he check m...
by Rudy Tooty
Sat Apr 03, 2021 12:14 am
Forum: Personal Consumer Issues
Topic: Costco organic chicken / eggs
Replies: 23
Views: 2234

Re: Costco organic chicken / eggs

So tell me. If chicken and eggs are marked "organic" what does that really mean and how do I know for sure that they are "organic"?

Not saying they aren't. But how would I know for sure? Or does it just require faith that we're getting what we're paying for?
by Rudy Tooty
Fri Apr 02, 2021 4:50 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 183
Views: 34357

Re: Costco rotisserie chicken

Just brought home a Costco rot. chicken an hour ago and ate some. Tasty. Paid $4.99. Same price I believe I paid in the 80's and 90's. Smart way to keep the customer happy. Their packaged chicken , beef and fish are of good quality. But I can buy them at the local grocery stores for significantly le...
by Rudy Tooty
Mon Mar 29, 2021 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer, Heart Attack & Stroke Insurance
Replies: 9
Views: 809

Re: Cancer, Heart Attack & Stroke Insurance

I have a Medicare Advantage plan. My evidence of coverage states that if I need SNF care my copay is $0 for days 1-20 and $50 for days 20-100. Looks like all medical services while in the facility are covered. After the 100 day limit the patient is responsible for costs - until the next benefit peri...
by Rudy Tooty
Sat Mar 27, 2021 8:07 pm
Forum: Personal Consumer Issues
Topic: 24Hr Fitness memberships discounts
Replies: 3
Views: 546

Re: 24Hr Fitness memberships discounts

I was a long-time member of 24 hour fitness. Paid dues for years. Originally it was $5 a month but upgraded to $20 a month for a nicer gym. But I froze my paid account when I enrolled in a Medicare Advantage plan with Silver Sneakers I switched over to L.A. fitness. It was like an upgrade. Cleaner a...
by Rudy Tooty
Mon Mar 22, 2021 7:21 pm
Forum: Personal Consumer Issues
Topic: New Glasses, Costco or Walmart?
Replies: 41
Views: 2664

Re: New Glasses, Costco or Walmart?

I usually get my glasses on-line these days. I buy them cheaper and the quality seems just as good. But if I were to buy them from a brick and mortar shop I'd probably go to Costco. They have a nice selection but I think they're a little more expensive than the WalMart selections I saw. I went to Wa...
by Rudy Tooty
Sat Mar 20, 2021 8:10 pm
Forum: Personal Consumer Issues
Topic: REAL ID still set to be effective Oct 1 2021
Replies: 109
Views: 7344

Re: REAL ID still set to be effective Oct 1 2021

I've had my Real ID for about 18 months. Got it prior to the Covid hysteria. We had the option to make an appointment with DMV to allegedly hasten the process. I did. I had all the proper documentation ready to present when I got there. I was right on time for my appointment. From the time I walked ...
by Rudy Tooty
Thu Mar 18, 2021 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do with an auto accident where my vehicle was struck
Replies: 31
Views: 2559

Re: Not sure what to do with an auto accident where my vehicle was struck

I've found that Geico is a pretty good company to deal with. An old woman sideswiped my wife's car while pulling into a parking space. My wife wasn't in the car but another party witnessed it. The old woman pulled away and parked in space far away. The witness followed her and got the plate number. ...
by Rudy Tooty
Fri Mar 12, 2021 4:48 pm
Forum: Personal Consumer Issues
Topic: Lawn mower
Replies: 38
Views: 4292

Re: Lawn mower

I have bermuda grass so I need a reel front-throw mower that cuts the grass low. Otherwise thatch develops and the lawn looks ugly. So I own a used McClane. I change the oil and the belts and the plug myself. It's got a briggs & stratton engine. As long as you keep it oiled and gassed - those en...
by Rudy Tooty
Tue Mar 09, 2021 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Rent forever instead of buying a condo?
Replies: 19
Views: 1667

Re: Rent forever instead of buying a condo?

I think you've got a good plan to rent and invest for the time being. When I was about your age and single I bought a condo in a decent area. At that time the housing market was pretty stagnant. I owned it for a few years and it was difficult to find a buyer when I wanted to sell. Condos don't move ...
by Rudy Tooty
Sun Mar 07, 2021 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can I avoid a prenuptial agreement if I do this?
Replies: 86
Views: 5149

Re: Can I avoid a prenuptial agreement if I do this?

Always better to talk about the sensitive issues before marriage rather than after. If I had a sizable estate and the one who I decided to marry had little in terms of net worth I'd definitely find a good attorney and have a prenup drawn up. One side of marriage is a business - and as such must be t...
by Rudy Tooty
Sat Mar 06, 2021 5:47 pm
Forum: Personal Consumer Issues
Topic: USPS is incredibly fast!
Replies: 163
Views: 11671

Re: USPS is incredibly fast!

Don't rate the post office on one or two letters or parcels. Wait until you mail ten to judge. There were times when they lost my certified (return receipt requested) letters back-to-back. Just recently I sent in a passport renewal application with my old passport enclosed by priority mail - and it ...
by Rudy Tooty
Sat Feb 27, 2021 3:38 pm
Forum: Personal Consumer Issues
Topic: Urgent passport issue
Replies: 42
Views: 7082

Re: Urgent passport issue

I just sent my application for a passport book and card replacement in late January. The passport center received it in early February. I just got a notice that I should receive it in the mail in early March. Just a normal non-expedited request. Originally I was told 10-12 weeks. For me more like 5 ...
by Rudy Tooty
Sat Feb 20, 2021 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Low-mileage auto insurance saving since WFH?
Replies: 3
Views: 473

Re: Low-mileage auto insurance saving since WFH?

We signed up for a program offered by our insurer that gives us an automatic 5% discount off our semi-annual auto insurance. When cars are serviced in our state the mileage is automatically reported in a database. By allowing our insurer access to this information on our cars - we got the discount. ...
by Rudy Tooty
Fri Feb 19, 2021 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's OBGYN will only refer her to one location.
Replies: 53
Views: 4627

Re: Wife's OBGYN will only refer her to one location.

Out of curiosity I once contacted my insurance company and asked whether I had to accept my primary doctor's referral to a particular specialist or whether I could choose my own provided he was a network provider. I was told it was my choice - and that if the doctor refused my choice to let the insu...
by Rudy Tooty
Tue Feb 02, 2021 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Stimulus Check Made Out to Two People (Update: Final Result)
Replies: 17
Views: 2262

Re: Depositing Stimulus Check Made Out to Two People

Wifey and I got our stimulus payment on a debit card for the very first time from Uncle Sugar. We file MFJ. Normally we go to the bank together and we deposit the money into her account. The paper checks always required both of our ID's and signatures. I was surprised the banker never asked for my I...
by Rudy Tooty
Sat Jan 30, 2021 10:37 pm
Forum: Personal Consumer Issues
Topic: Sound investment advice in Spanish
Replies: 5
Views: 412

Re: Sound investment advice in Spanish

I'm not aware of any good investment programs stateside in the spanish language. Certainly there must be some in Mexico that can be heard over internet. But I wouldn't know since I would have no reason to seek them out. But there are great english language classes at community colleges that are eith...
by Rudy Tooty
Wed Jan 27, 2021 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: When to buy a new car vs. repair existing car
Replies: 36
Views: 2500

Re: When to buy a new car vs. repair existing car

Where I live the state tax alone on a $50k car would run about $3,800. I'll pass. The great thing about America is that we can spend our money mostly as we please. If cars turn you on and you've got the loot, go buy a real expensive one. Then watch it like a hawk. I'll stick with my 1998 Rav4. 120,0...
by Rudy Tooty
Mon Jan 18, 2021 12:14 am
Forum: Personal Consumer Issues
Topic: Real reviews of Gas Hot water heaters
Replies: 31
Views: 2269

Re: Real reviews of Gas Hot water heaters

Bought a gas Rheem in 1998. In all that time never drained it even once. Still works like a charm. They probably don't make 'em like that anymore.
by Rudy Tooty
Sun Jan 10, 2021 8:19 pm
Forum: Personal Consumer Issues
Topic: Can a car have problem if you drive very little?
Replies: 34
Views: 2744

Re: Can a car have problem if you drive very little?

Cars need to be driven just like dogs need to be walked.

My dad used to always say "The worst thing you can do to a car is not drive it".
by Rudy Tooty
Sun Jan 10, 2021 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: CA Landlord - how to deal with self-employed tenant prospects?
Replies: 19
Views: 2004

Re: CA Landlord - how to deal with self-employed tenant prospects?

So if I'm reading that correctly the owner landlord of a property in California cannot deny a convicted pedophile or an illegal immigrant from renting their unit based on those determinations found in their records? Really?

Who would want to be a landlord in California?
by Rudy Tooty
Sun Jan 10, 2021 7:59 pm
Forum: Investing - Theory, News & General
Topic: Lose $500k quickly
Replies: 22
Views: 4713

Re: Lose $500k quickly

If I were in this retire couple's situation I would play it very safe at the current valuations. As it stands today they're getting by just fine. I would let the market correct (and it will) and then slowly reenter after a 20% decline or so. Way too risky where we are right now for an old retired co...
by Rudy Tooty
Wed Dec 23, 2020 10:35 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39307

Re: What kind of car do Bogleheads like to drive?

Me: 1997 Toyota Rav4, Mint, 119,200 mi.
Spouse: 2019 Lexus
by Rudy Tooty
Sun Dec 20, 2020 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

We have more than enough time to choose heirs to the estate. How much time is that? But when the paperwork is completed (if it comes to that) we want to make sure it's the final decision that won't get changed later. I have friends who disinherited beneficiaries from their estate documents for one ...
by Rudy Tooty
Sun Dec 20, 2020 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

How about this, if you don't care what happens with your money after you and your wife die then I will pay for a lawyer to draw up the documents if I get to choose what those documents say happens once you and your wife die. Thanks for your offer. I respectfully decline. My primary concern regarded...
by Rudy Tooty
Sat Dec 19, 2020 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

why not spring for Nolo's Willmaker, which can cover the basics of a simple plan? It's about $90 at costco. That's a good option, if we decide to take that route. Once wifey and I make a firm decision about who will get our assets after we go to the other side - we will consider it. Death is not kn...
by Rudy Tooty
Sat Dec 19, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

OP: I met with one of the best trust and estate attorneys in my state. With no kids, his advice was that as long as we properly titled all of our accounts and property, we really did not need a trust (so long as we didn't really care who got the money after we were both gone). I thought that was an...
by Rudy Tooty
Sat Dec 19, 2020 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

As I stated, we don't have children. So perhaps those who would be next in line to consume our assets should organize and pay the expenses to draw up the necessary estate documents. Isn't that reasonable? Maybe I’m wrong, but sounds like you don’t care beyond your wife? If so I find that unfortunat...
by Rudy Tooty
Sat Dec 19, 2020 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

Retire2022, I'm not a lawyer. But those who I know in my state who had a relative pass on certainly weren't required to contact all surviving relatives. The exception being if a relative was disinherited from an existing will or trust. Based on your comment, NY seems to have some pretty complicated...
by Rudy Tooty
Sat Dec 19, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

Why should we spend the money and legal expense for a will or trust? Both of us are on title for our home with 'Right of Survivorship'. We are 100% beneficiaries to one another on all financial accounts. Cars are registered in both our names. No kids. I guess if we're passengers on a commercial jet...
by Rudy Tooty
Sat Dec 19, 2020 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

What happens once the surviving spouse passes away? What happens if surviving spouse becomes incapacitated? What’s the plan? Like I said, then the surviving spouse could draw up a simple will, if desired. And hopefully that would be done prior to the incapacitation, if desired. Any plan that relies...
by Rudy Tooty
Sat Dec 19, 2020 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

if your spouse is incapacitated at the same time you are, who do you want to make decisions for you? the law in your state may make it automatically your parent or sibling, does that sound ok? certainly you should have documents drawn up at least for that topic, for medical and financial matters. n...
by Rudy Tooty
Sat Dec 19, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

What happens once the surviving spouse passes away? What happens if surviving spouse becomes incapacitated? What’s the plan? Like I said, then the surviving spouse could draw up a simple will, if desired. And hopefully that would be done prior to the incapacitation, if desired. Hi Rudy Tooty, I’ll ...
by Rudy Tooty
Sat Dec 19, 2020 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

L82GAME wrote: Sat Dec 19, 2020 4:09 pm
  • What happens once the surviving spouse passes away?
  • What happens if surviving spouse becomes incapacitated?
What’s the plan?
Like I said, then the surviving spouse could draw up a simple will, if desired. And hopefully that would be done prior to the incapacitation, if desired.
by Rudy Tooty
Sat Dec 19, 2020 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

Retire2022, I'm not a lawyer. But those who I know in my state who had a relative pass on certainly weren't required to contact all surviving relatives. The exception being if a relative was disinherited from an existing will or trust. Based on your comment, NY seems to have some pretty complicated ...
by Rudy Tooty
Sat Dec 19, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Re: Do my wife and I even need a traditional estate plan?

bsteiner wrote: Sat Dec 19, 2020 4:05 pm What if you die one at a time rather than together?
Then I guess the survivor could draw up a simple will, if desired.
by Rudy Tooty
Sat Dec 19, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4057

Do my wife and I even need a traditional estate plan?

Why should we spend the money and legal expense for a will or trust? Both of us are on title for our home with 'Right of Survivorship'. We are 100% beneficiaries to one another on all financial accounts. Cars are registered in both our names. No kids. I guess if we're passengers on a commercial jet ...
by Rudy Tooty
Sat Dec 19, 2020 1:50 am
Forum: Personal Finance (Not Investing)
Topic: Does company loyalty still exist?
Replies: 64
Views: 4469

Re: Does company loyalty still exist?

Company loyalty went out of style back in the 1980's. The companies started it by throwing American workers under the bus by offshoring, downsizing and turning full-time into part-time jobs. So workers returned the favor. But both sides lose in that business scenario. Everyone was doing the same thi...
by Rudy Tooty
Fri Dec 18, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: Where to buy less expensive prescription pet meds?
Replies: 27
Views: 1283

Re: Where to buy less expensive prescription pet meds?

I have an older dog who needs anti-inflammatory meds. Both Walmart and Costco pharmacies offer some common pets meds. The difference between the vet's price and Costco for 30 pills is about $15. I guess I could press the matter with the vet and tell him I wanted to fill the prescription at Costco f...
by Rudy Tooty
Fri Dec 18, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: Where to buy less expensive prescription pet meds?
Replies: 27
Views: 1283

Re: Where to buy less expensive prescription pet meds?

I have an older dog who needs anti-inflammatory meds. Both Walmart and Costco pharmacies offer some common pets meds. The difference between the vet's price and Costco for 30 pills is about $15. I guess I could press the matter with the vet and tell him I wanted to fill the prescription at Costco f...
by Rudy Tooty
Fri Dec 18, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: Where to buy less expensive prescription pet meds?
Replies: 27
Views: 1283

Re: Where to buy less expensive prescription pet meds?

I have an older dog who needs anti-inflammatory meds. Both Walmart and Costco pharmacies offer some common pets meds. The difference between the vet's price and Costco for 30 pills is about $15. I guess I could press the matter with the vet and tell him I wanted to fill the prescription at Costco fo...
by Rudy Tooty
Thu Nov 19, 2020 4:50 pm
Forum: Personal Investments
Topic: I may die poor
Replies: 160
Views: 17901

Re: I may die poor

I recommend a book "Die Broke" by Stephen Pollan. It's dated, as it was published in 1997. But like old soldiers - good financial philosophies never die.
by Rudy Tooty
Tue Nov 03, 2020 12:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14278
Views: 1100222

Re: U.S. stocks continue to soar!

A few days ago the investment comment boards (not Bogle) were full of posters who were selling equities and going to cash. I checked today. They're nary to be found.
by Rudy Tooty
Mon Nov 02, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Wild Salmon - Pouched/Canned/Favorite Brands?
Replies: 12
Views: 1528

Re: Wild Salmon - Pouched/Canned/Favorite Brands?

When a salmon product is advertised as "wild" how am I supposed to know whether it was caught wild or farmed? I guess I have to take their word for it.

Same with vegetables grown "organically". Blind faith?
by Rudy Tooty
Sun Nov 01, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: Wild Salmon - Pouched/Canned/Favorite Brands?
Replies: 12
Views: 1528

Re: Wild Salmon - Pouched/Canned/Favorite Brands?

I buy the 3.5- 4oz frozen packets of Ocean Eclipse or Rising Tide wild salmon. $0.99. Enough for lunch or a light dinner. And tasty. I don't eat canned salmon. Too much salt and processing. Fresh salmon is getting expensive. And much of what they sell is farmed. Good fresh salmon here runs about $10...
by Rudy Tooty
Sun Nov 01, 2020 10:35 am
Forum: Personal Consumer Issues
Topic: Can I afford luxury watch?
Replies: 87
Views: 3681

Re: Can I afford luxury watch?

I've owned a $35 Seiko for 37 years. Haven't had it cleaned internally once. Just replaced batteries. Keeps perfect time. But I'm sure there are many $10,000 watches that keep perfect time too. Quite honestly, I'd be scared to wear one out in public these days.
by Rudy Tooty
Sat Oct 31, 2020 10:02 pm
Forum: Investing - Theory, News & General
Topic: Where would you be if you had invested like a Boglehead from the beginning?
Replies: 107
Views: 8092

Re: Where would you be if you had invested like a Boglehead from the beginning?

I jumped aboard the train too late. I played it safe post 2008. Had I followed the Boglehead method I'd be in a better position. 2008 scared the bejezus out of a lot of us. With good reason.
by Rudy Tooty
Sat Oct 31, 2020 9:55 pm
Forum: Personal Investments
Topic: 1.3M at 30 - what would you do?
Replies: 89
Views: 9896

Re: 1.3M at 30 - what would you do?

If it were me I'd try to turn it into $2.6m by age 35.