Search found 1129 matches

by kaudrey
Wed Jul 28, 2021 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Company reverses return to work plan
Replies: 22
Views: 3844

Re: Company reverses return to work plan

We don't yet have a plan for returning to work. I haven't been in my office since March 2020. And, when we do go back, we are going to have a much more liberal telework policy.
by kaudrey
Mon Jul 26, 2021 12:36 pm
Forum: Personal Consumer Issues
Topic: Wimbledon 2022 - Tips
Replies: 3
Views: 634

Re: Wimbledon 2022 - Tips

You have to enter the ballot to get tickets the "regular" way. https://www.wimbledon.com/en_GB/tickets/the_wimbledon_public_ballot.html Otherwise, you'll end up having to buy a package through a "hospitality provider". You can also try to buy tickets on the day of the event, or o...
by kaudrey
Mon Jul 19, 2021 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: How do we decide where to live for our retirement?
Replies: 136
Views: 10401

Re: How do we decide where to live for our retirement?

We are a little older than you, but my DH is already retired and I am retiring at the end of this year (at 52). We talked about it for several years, and ended up....buying a house in October 2020...30 miles from where we lived. We are northern VA, and we moved farther out in the suburbs. I'm 100% ...
by kaudrey
Mon Jul 19, 2021 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: How do we decide where to live for our retirement?
Replies: 136
Views: 10401

Re: How do we decide where to live for our retirement?

We are a little older than you, but my DH is already retired and I am retiring at the end of this year (at 52). We talked about it for several years, and ended up....buying a house in October 2020...30 miles from where we lived. We are northern VA, and we moved farther out in the suburbs. I'm 100% t...
by kaudrey
Thu Jul 15, 2021 3:25 pm
Forum: Personal Consumer Issues
Topic: Buying a new house vs. homeschool in current house
Replies: 34
Views: 3327

Re: Buying a new house vs. homeschool in current house

I didn't see the option of sending them to private school?
by kaudrey
Thu Jul 01, 2021 10:06 am
Forum: Personal Consumer Issues
Topic: Balancing fresh food & convenience
Replies: 53
Views: 2947

Re: Balancing fresh food & convenience

You need to meal plan before you go grocery shopping. This means collecting a bunch of recipes - either online or from a cookbook, see what you have, what you need, etc, and buy all of that. Most things do not need to be used within a day - most veggies and other things are good for a week - if not,...
by kaudrey
Thu Jul 01, 2021 9:26 am
Forum: Personal Consumer Issues
Topic: Honeymoon destinations post COVID world
Replies: 21
Views: 2313

Re: Honeymoon destinations post COVID world

Virgin Islands (US and British) Grand Cayman Jamaica Dominican Republic Puerto Rico Mexico has some very swanky luxury all inclusives like Grand Velas. My first choice would be Bora Bora but with covid and Visas it sounds like that isn’t an option. You can't go to Grand Cayman right now. Supposed t...
by kaudrey
Mon Jun 28, 2021 8:07 am
Forum: Personal Consumer Issues
Topic: Honeymoon destinations post COVID world
Replies: 21
Views: 2313

Re: Honeymoon destinations post COVID world

teCh0010 wrote: Sat Jun 26, 2021 7:12 am Virgin Islands (US and British)
Grand Cayman
Jamaica
Dominican Republic
Puerto Rico
Mexico has some very swanky luxury all inclusives like Grand Velas.

My first choice would be Bora Bora but with covid and Visas it sounds like that isn’t an option.
You can't go to Grand Cayman right now.
by kaudrey
Wed Jun 23, 2021 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best month to retire
Replies: 54
Views: 6498

Re: Best month to retire

I'll get paid for any annual leave I have leftover, but cannot rollover above a certain amount into the next year, so my plan is to retire the last day of our last pay period (which is 1/1/2022), so I get a bigger lump sum payment. We are also balancing that out with when my DH can start collecting ...
by kaudrey
Wed Jun 02, 2021 11:23 am
Forum: Personal Finance (Not Investing)
Topic: joint accounts with children and/or Trusts questions
Replies: 14
Views: 983

Re: joint accounts with children and/or Trusts questions

I wouldn't do joint accounts. If you want them to be able to spend the money now, you can just gift them each money each year. You can give each child $30K a year ($15K each from you and your spouse) without any reporting to the IRS. Do you want to do more than that? If not, keep it simple for now...
by kaudrey
Thu May 27, 2021 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market
Replies: 21
Views: 2927

Re: Housing market

We bought a house and sold a townhouse in October. We put in a bid at $10K over list, got into a bidding war, and only got the house after my husband basically told our real estate agent "just get us the house". We paid $30K over list. Our townhouse also sold over list. At the time it was ...
by kaudrey
Thu May 27, 2021 8:48 am
Forum: Personal Consumer Issues
Topic: Gambled on a trip to Europe
Replies: 59
Views: 7381

Re: Gambled on a trip to Europe

I'm with some of the others that you should spend 10 days in Portugal, and save Spain for another trip. There are so many beautiful things/towns/areas to see in Portugal. If you have bucket list items, you should plan trips around them, not squish them into a trip where it doesn't make that much sen...
by kaudrey
Tue May 18, 2021 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Should I Give Up My Earnest Money
Replies: 146
Views: 16315

Re: Should I Give Up My Earnest Money

I agree with the others that you should sell your townhouse. We did the exact same thing in the fall - bought a house about 1/2 hour away from the townhouse. Overbid on the house, and then accepted an overbid on the townhouse. Win/win!
by kaudrey
Tue May 18, 2021 9:10 am
Forum: Personal Consumer Issues
Topic: USPS Delivery issues
Replies: 42
Views: 3851

Re: USPS Delivery issues

Anyway, it's mostly my fault, I could have scanned and submitted it electronically, but I don't have a scanner at the house and didn't want to spring for a new one just to get this one document over to them. My thrifty bogleheadish way was my downfall. Oh well, live and learn. [/quote] Download the ...
by kaudrey
Tue May 18, 2021 8:58 am
Forum: Personal Consumer Issues
Topic: Tiling question
Replies: 20
Views: 1907

Re: Tiling question

What does staggering in a matrix mean? For the best look, you should do it like the picture posted....
by kaudrey
Tue May 18, 2021 8:51 am
Forum: Personal Consumer Issues
Topic: Bose Wave SoundTouch System IV
Replies: 8
Views: 971

Re: Bose Wave SoundTouch System IV

I have a Soundlink II - a little speaker that was $129, I think. It has great sound from my iPad.
by kaudrey
Wed May 12, 2021 11:34 am
Forum: Personal Consumer Issues
Topic: Credit card/change of address
Replies: 6
Views: 451

Re: Credit card/change of address

They want to make sure it's you to prevent fraud. Why is that a problem?
by kaudrey
Wed Apr 21, 2021 11:32 am
Forum: Personal Consumer Issues
Topic: Kitchen/bar towel maintenance?
Replies: 25
Views: 1990

Re: Kitchen/bar towel maintenance?

I do this cleaning with sponges, not towels. Towels are for drying clean dishes and wiping off hands after cleaning those dishes.
by kaudrey
Wed Apr 14, 2021 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Transfer of funds from a joint account to an individual account
Replies: 7
Views: 408

Re: Transfer of funds from a joint account to an individual account

Just go online and transfer it electronically. There shouldn't be any issue.
by kaudrey
Tue Apr 13, 2021 7:52 am
Forum: Personal Consumer Issues
Topic: blue Sapphire jewelry
Replies: 9
Views: 1002

Re: blue Sapphire jewelry

My DH bought my sapphire engagement ring and a pair of earrings at angara.com. Very happy with quality and customer service.
by kaudrey
Mon Mar 29, 2021 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Real estate: When (if ever) a potential buyer should use an escalation clause
Replies: 26
Views: 2383

Re: Real estate: When (if ever) a potential buyer should use an escalation clause

I think this is somewhat regional as well. We bought a house in October and went through the multiple-offer/bidding war scenario. Our agent said not to put in an escalation clause, as it isn't used much here. What they do is give a deadline for offers (usually Sunday night or Monday morning when the...
by kaudrey
Wed Mar 24, 2021 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: JTWRS Problems - what are my options?
Replies: 136
Views: 10896

Re: JTWRS Nightmare - what are my options?

It seems you are trying to do two things: 1) Sell the mutual fund 2) take the money out of the account I can see where you might not be able to do #2, but if you are just trying to avoid CG and taxes, just do #1 and then leave the money in the account in a money market account or something. Just sel...
by kaudrey
Wed Mar 24, 2021 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement target of age, nest-egg or either, or both?
Replies: 20
Views: 2284

Re: Retirement target of age, nest-egg or either, or both?

When I was in my early 40s, my plan was to retire at 57. That is when I can collect my full, immediate pension, and my projections showed I would have about a 3% withdrawal rate, on average. Fast forward. I just turned 52 last week. I have gotten divorced and remarried. I married someone who is 12 y...
by kaudrey
Tue Mar 23, 2021 9:40 am
Forum: Personal Consumer Issues
Topic: Cannot access TSP.gov account
Replies: 3
Views: 334

Re: Cannot access TSP.gov account

I don't know - but I just logged in to the tsp.gov in Google Chrome.
by kaudrey
Mon Mar 22, 2021 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Our first HELOC - should I be worried?
Replies: 2
Views: 454

Re: Our first HELOC - should I be worried?

Not any more than you bank account or credit card account...do you stay up at night worrying about those? (This from someone who's bank account was drained a few months ago.....yes, the bank gave us all the money back...).
by kaudrey
Mon Mar 15, 2021 12:14 pm
Forum: Personal Consumer Issues
Topic: New Fridge
Replies: 22
Views: 1438

Re: New Fridge

In those dimensions you’re not getting anything other than a standard one door fridge with a one door freezer. Fridges under 32” wide are increasingly rare. Then why is the one we have is side be side and those are its dimensions. Because it's 30 years old. Standard change, unfortunately. I wish yo...
by kaudrey
Mon Mar 15, 2021 12:10 pm
Forum: Personal Consumer Issues
Topic: Flight booking to Ushuaia (Argentina)
Replies: 14
Views: 1395

Re: Flight booking to Ushuaia (Argentina)

We aren't going until January 2023, but we are going to have our travel agent book the flight from BA to Ushuaia. We will book our flight to BA from the US, which we are doing 2 days before so we can spend a day touring around.
by kaudrey
Mon Mar 15, 2021 11:50 am
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 257
Views: 18523

Re: What are your travel plans in 2021 and beyond?

We are scheduled for Grand Cayman in November 2021 (rescheduled from this past November), Galapagos in May 2022 (rescheduled twice, from 2020 and this May), and we just booked Antarctica for January 2023 (that is my bucket list retirement trip). Other smaller trips domestically will happen as we are...
by kaudrey
Wed Mar 10, 2021 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth building your dream house?
Replies: 109
Views: 7252

Re: Is it worth building your dream house?

The biggest items I am looking for would be a single story floor plan with a total chef's kitchen with tons of cabinet and pantry space, huge eat at island and an outdoor kitchen and entertaining area. The rest is little things like a bit larger shower and stand alone tub instead of a corner unit. ...
by kaudrey
Fri Mar 05, 2021 12:10 pm
Forum: Personal Consumer Issues
Topic: Who's responsible for lost shipment?
Replies: 33
Views: 1937

Re: Who's responsible for lost shipment?

As others have noted, USPS is broken. Just be patient.

My dad sent me a Christmas card in mid-December, I got it the 3rd week in January....
by kaudrey
Mon Mar 01, 2021 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: External self-storage facility as 1-stop-shop for liquidating an estate?
Replies: 22
Views: 1577

Re: External self-storage facility as 1-stop-shop for liquidating an estate?

That's not really being done during the pandemic. Think about the exposure risks. Plus not everything would sell even in normal times, so there's still another step of moving-disposing and the need to contact multiple charities since there won't be one that wants everything. The external storage ap...
by kaudrey
Mon Mar 01, 2021 11:18 am
Forum: Personal Consumer Issues
Topic: Purchasing home with title issues
Replies: 16
Views: 1735

Re: Purchasing home with title issues

toofache32 wrote: Fri Feb 26, 2021 10:39 pm Mind telling a dummy like me what DOB stands for? So much jargon around here.
I think it is Department of Buildings.
by kaudrey
Thu Feb 25, 2021 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase, Budget, and Upcoming Retirement
Replies: 13
Views: 1359

Re: Home Purchase, Budget, and Upcoming Retirement

Seems OK to me. We just bought a $740K house on my $180K salary. DH is already retired and I'm retiring at the end of this year...
by kaudrey
Thu Feb 25, 2021 8:25 am
Forum: Personal Consumer Issues
Topic: Contractor Issues with Remodel
Replies: 64
Views: 3975

Re: Contractor Issues with Remodel

My recent remodel ran about $1,500 over budget. However, that was because I selected a more expensive shower system than the allowance, opted to replace closet doors after we started, and a few other things. Although I didn't sign a change order for these things (which was in the contract), my contr...
by kaudrey
Wed Feb 24, 2021 8:20 am
Forum: Personal Consumer Issues
Topic: Thoughts or suggestions: upgrading from Honda Fit for DW's comfort on long road trips...
Replies: 40
Views: 2230

Re: Thoughts or suggestions: upgrading from Honda Fit for DW's comfort on long road trips...

My butt bone hurts on long car rides - I solved it with a car seat cushion. Has she tried one? Less expensive than buying a new car...

I have the 3rd one listed here:

https://www.thedrive.com/reviews/27922/ ... ong-drives
by kaudrey
Tue Feb 23, 2021 9:50 am
Forum: Personal Finance (Not Investing)
Topic: too much in 401k may be forced to quit job
Replies: 183
Views: 17794

Re: too much in 401k may be forced to quit job

First, I would insist that the person who revealed this information be fired. That is a huge breach of privacy. The president of the company has no right to know what anyone's balances are. How does he/she even know this? Is there a board of directors to whom this violation of privacy can be raised?...
by kaudrey
Mon Feb 22, 2021 11:14 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 496
Views: 41483

Re: So what are you cooking

My goal this year is to cook dishes from 52 different countries. I'm also adding in some regional US specialties.

So, for Mardi Gras I made Gumbo, and for India this week I made Butter Chicken.
by kaudrey
Fri Feb 19, 2021 9:08 am
Forum: Personal Consumer Issues
Topic: Baseball cards - worth anything?
Replies: 49
Views: 6538

Re: Baseball cards - worth anything?

My DH uses deanscard.com when he researches baseball cards.
by kaudrey
Tue Feb 16, 2021 1:32 pm
Forum: Personal Consumer Issues
Topic: all realtor competent in escalation clause to offer?
Replies: 22
Views: 4816

Re: all realtor competent in escalation clause to offer?

As others have noted, the listing agent can't tell your agent what the other offers are. So the answer to that part of your question is "no". They can feel them out, and offer you suggestions based on what they know about the market how high to go, but that's about it. As someone who bough...
by kaudrey
Thu Feb 11, 2021 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Home Sale Question
Replies: 4
Views: 590

Re: Home Sale Question

You could ask a realtor to pull recent comps to see what the sales prices have been and ask him/her what they think the house would sell at in the current market. You can do this without hiring them...
by kaudrey
Thu Feb 11, 2021 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Options to cover remodeling expenses cash crunch
Replies: 15
Views: 1389

Re: Options to cover remodeling expenses cash crunch

I would just sell some equities. We did it in October to raise the cash for the downpayment on our new house...
by kaudrey
Thu Feb 11, 2021 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Of Net Worth, Pensions, and Annuities...
Replies: 34
Views: 2645

Re: Of Net Worth, Pensions, and Annuities...

The previous poster alluded to this but: option 5. (ignoring defaut risk for the moment) subtract the expected cashflow from your projected minimum expenses, starting on the first payment date. The lower resultant required expenses then require a smaller net worth to fund. The pension is then so re...
by kaudrey
Wed Feb 10, 2021 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Give electric wheelchair to veteran---liability
Replies: 39
Views: 3293

Re: Give electric wheelchair to veteran---liability

When my uncle died, his son and I disassembled the stair chair lift that the VA had given him, and found someone in need to give it to. It never even occurred to me to worry about liability. He needed it, they are expensive, and we helped someone. Help this person, and feel good about it.
by kaudrey
Wed Feb 10, 2021 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Keeping a cool head during manic times.
Replies: 20
Views: 1902

Re: Keeping a cool head during manic times.

Well, I am 20 years older than you, and have been investing for close to 30 years. I've seen the S&L crisis of the 80s, the booms, the dot-com bust, etc., etc. Throughout that whole time, I kept DCA-ing (through 401(k) contributions), and staying the course. There will always be booms and busts....
by kaudrey
Tue Feb 09, 2021 8:43 am
Forum: Personal Consumer Issues
Topic: Who bought an iPhone 12 Mini, and what do you think?
Replies: 60
Views: 8070

Re: Who bought an iPhone 12 Mini, and what do you think?

I have had a mini for about a month; I like it for the most part, but I do miss the touch button. It is the perfect size for me. I don't like the larger phones, although my DH does (he has a regular 12). I upgraded from a 7s. I have an 8 Plus for work, and the thing is huge. I hate carrying it aroun...
by kaudrey
Mon Feb 08, 2021 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Loan to friend. Secure with second mortgage.
Replies: 81
Views: 5104

Re: Loan to friend. Secure with second mortgage.

You've been friends for 50 years. I think it is fine, and is set up like a business transaction.
by kaudrey
Mon Feb 08, 2021 11:13 am
Forum: Personal Consumer Issues
Topic: Retirement Planning - Lessons Learned
Replies: 21
Views: 3118

Re: Retirement Planning - Lessons Learned

My husband is retired, and I am retiring at the end of 2021. We were thinking about all kinds of places to move - beach, mountains, warmer weather. We are in Virginia; my family is in New England, and most of his family (including kids/grandkids from former marriage) are in Dallas. We don't have a ...
by kaudrey
Mon Feb 08, 2021 11:09 am
Forum: Personal Consumer Issues
Topic: What are your staple healthy meals?
Replies: 122
Views: 10402

Re: What are your staple healthy meals?

Vegetable soups - I made Moroccan Harira over the weekend - highly recommend. But I also make black bean soup, split pea, turkey chili, torilla soup.... Also, branch out into Asian and Latin American food - there are thousands of ways to make chicken really tasty....if you like spicy food, try Korea...