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  1. M

    Visited your Safe Deposit Box Lately?

    I live in IL. I don't think you need to physically visit the box, just paying the annual rental counts. I know because my Mom passed in 2004 and I don't think my Dad ever had occassion to go to the box and he passed on in 2013.
  2. M

    Microsoft Scam

    I got a slightly different version on 3/11. They were calling from Best Buy since I had 'bought my computer there.' I had not. Next time I might try the this call is recorded....response or I might ask which computer & when did I buy it at BB. Clues it is a scam loud, much talking in the...
  3. M

    Divorced Parent Budgeting for "Kids" Weddings

    Late DH was disabled by the time our DD1 got married in 2003. We figgured we could afford $5000. By the time DD2 got married in 2005 DH had passed away. I gave her the same $5000 + 10% for inflation. We also paid for the rehersal dinner for DD1. Inlaws paid for DD2. Both got $1000 checks...
  4. M

    Obtaining new credit after retirement

    I don’t know how much or what type credit you are trying to get. However, I have been unemployed and/or retired for 4 years. I just applied for & got (in the last 2 weeks) a new credit card w/immediate approval for a 5k line. I would think an auto loan or mortgage might be more difficult...
  5. M

    Poll - Monthly allowance

    $30/week for me. Covers ALL my personal expenses: clothes, gasoline, haircuts, mani/pedi.......... I do take an additional monthly amount for entertainment/eating out of $25. NOTE: I am retired so those $$ coffees, lunches out w/co-workers, drinks after work are things of the past (then...
  6. M

    Is frugality without sacrifice doable?

    Depends on how tightly you define frugality. There is a blogger (donna Freedman) I follow (and have met with) whose definition is along the lines of: I save everywhere I can to SPEND on what is important to me. This is very much like your approach Alex. I want to do a lot of extended trip...
  7. M

    Retired Folk... what are you spending a month?

    I have been retired 2 years. So far I have been able to pay ALL my bills, save $100/month for some nice travel every 2-3 years and generally save 10% more for when the xyz breaks down on an annual income of 30k.
  8. M

    Non-Spousal IRA

    Thanks everyone. i wanted to be prepared when I meet w/the mutual fund people. Previous advice given was at least partly incorrect giving rise to current complications.
  9. M

    Non-Spousal IRA

    I have inherited IRAs from both my late parents. Since I received inaccurate info from the mutual fund company after my Mom passed away I want to get advice on how to handle before I meet with them. Do I need to take distributions immediately (am 68 this year)? How many years can I spread the...
  10. M

    CVS No Longer Selling Smokes

    To me this seems like when Walgreens stopped selling alcoholic beverages a number of years ago. It has come back into the stores in the last couple years. I think this may last a few years BUT you have the loss of sales = lower profits=lower dividends resulting in shareholder dissatisfaction...
  11. M

    Egg Talk

    personally, I tend to shop the perimeter of stores - produce, meat/fish, dairy and maybe bakery. I seldom drink soda: water, coffee & white wine are my choices. My 'lunch meat' choices tend to be mostly sliced turkey w/ham or roast beef sometimes. Yep, I DO eat a junk food meal (corn beef...
  12. M

    Egg Talk

    I have been around a LONG time and vividly remember when a great uncle was diagnosed w/heart disease. NOTE: this is 50-55 years ago. He was told: drop butter for margerine NO eggs No shrimp, crab, lobster ALL of these things have changed. Now butter is better because of notransfats. Eggs...
  13. M

    Why Hillary Clinton should seriously consider (not so) ER

    I am only a year older than Sec. Clinton and I sure would NOT want the constant on the go stress of her job. On several different sites I have suggested that perhaps her next title shoul be Grandma. That could, with some think tank or University position keep her REAL busy.
  14. M

    Will I be Charged a Bank of America Debit Card Fee?

    Personally, I think we ALL should go back to writing checks. It will cost both the merchant & the banks MUCH more to process those. Also, complain to store management about all the increased time waiting in line to check out. Maybe even walk OUT of the store w/o buying anything & complaining...
  15. M

    Classic Medicare & Medigap vs. Medicare Advantage

    I just had to make this decision since I go on Medicare in June. I elected to go w/the Medicare Advantage plan my current Dr & hospital take because: I will not need a Part D (Rx) plan-its included I already have an HMO type plan so I am familiar w/the 'rules' It is a plan from a company I...
  16. M

    So coupons do really add up

    i do use coupons a LOT. I use VERY little in junk or processed food and almost never eat out. Actually, what little junk food I do buy (1-2x/month treat) I generally get at Aldi (cheaper + decnt quality on the items I get). Sunday I got 4 zhu zhu pets for 6.99 TOTAL for all 4 using coupons +...
  17. M

    Low carb diet risks

    I prefer to think of it and act on it as a "controlled carbs" diet that regularly includes at least 1 serving of fruit/day + veggies, beans and salads and uses low GI whole grains 1-2x/dy in preference to the processed & white stuff. That said: I do need my bagel/muffin and pizza at least weekly.
  18. M

    2007 Recession was Over June 2009

    This does meet the dictionary definition. However, I believe it as much as I believe in Santa Claus, the tooth fairy & the Easter bunny. Our town's monthly newsletter came yesterday. "Since 2008 approx 1000 SFR in our town have gone through of have filed for forclosure." I have lived here 45...
  19. M

    Vitamin D: amounts needed?

    I am somewhat surprised not to see Rich in Tampa responding here. Maybe he is on vacation. I suspect this is much like the dairy, margarine, beef, eggs & shrimp cholesterol discussion back about 40-50 years ago. These have somewhat changed in the last 10-15 years. This is a result of new...
  20. M

    What is your best money saving tip?

    Dsncin had the same bit w/ a local bank charging me a $3 inactivity fee cple months back which overdrafted the account. I had wanted to close the account several years ago but had to stand in line & wait to talk to a banker instead of just being able to cash out the account w/ a teller. Went...
  21. M

    How do you accomplish your evening meal?

    I am single & still working but use a combo of many of the things mentioned. I do plan meals ahead as far as entree based on the sale ads. I keep a HIGHLY stocked pantry & freezer. I cook ahead, generally a stew, soup or 9 x 13 pan of.....I eat that 2-3x in the first week and portion freeze...
  22. M

    Bring your own plastic bags to CVS & Target soon and save money!

    I live in metro Chicago and the bag discount is available at most of both stores. CVS's program has an official roll out date of 11/1 according to my closest store mgr. I have already purchased the tag and earned 1EB. I live VERY close to a CVS and can easily walk/stop everyday. I also...
  23. M

    How do you order your steak?

    I voted rare because that is the way I used to order BUT these days I cannot afford to buy even the select (below choice) grade of steak to cook at home let alone go out for the prime stuff.
  24. M

    Another Emergency Room horror story

    Trouble is my company health insurance will NOT pay for Dr in a Box visits and will only pay for ER visits if 1) a hospital admission follows or 2) the emergency is life threatening (heart attack, stroke...... severe abdominal pain does NOT count). ANYTHING else MUST be preauthorized by the...
  25. M

    Medicare Dental Plans?

    I have a friend who has gone to our state dental school for her work. I am not sure she REALLY saved anything by no using a regular local dentist after having to drive 48 miles RT, paying for parking and paying the admittedly reduced fees. Also, her work took many more trips & MUCH more...
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