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  1. J

    Poll: Are You Ready To Return To Your Favorite Dine In Restaurant?

    You need a shorter period choice in the poll. Two weeks is way out there. Wife, grandson, and I went out a few nights ago to one of our favorites. There is always a chance to pick up something when out in public, but we are well past the time when we should be worried about a particular...
  2. J

    Nice Cars... is it a vice?

    Only keeping 5-8 years? When we bought our 2008 Honda Pilot (which is still our every day vehicle), we sold our '93 Taurus. Last year I bought a new Tacoma and sold my '93 Toyota pickup. So 15-25+ years is what works for us. I don't think we are too frugal, since that Pilot still looks and...
  3. J

    Social distancing for couples

    Is she sick with the virus? If not, what is the problem. Is the virus somehow going to slip in the house and get one of you, but not the other? And then whoever is well will not care for the one who is ill? I don't get it.
  4. J

    Who changed it to 20%

    You are too young All you responders to this must be pretty young. I saw only one response recalling that 10% was once customary. (1950's) Sometime later when I heard people suggesting 15%, I questioned why. I usually got the response the the cost of living had gone up. Well so had the...
  5. J

    Driving has suddenly turned punishing

    I haven’t driven or even ridden in a current model, but our old (2008) Honda Pilot is a great road car. No problem cruising at highway speeds for 8 hours or so. At 170,000 miles it is just as nice as when new.
  6. J

    Hospital bill for 25k not covered by Medicare

    My hospital billed $140,000 for a prostatectomy. Medicare paid $32. We spoke with the billing dept of the hosp. They said they had to accept that as payment. We paid $0. Anyone who thinks government run health care can work is in fantasyland. Lots of folks just see that the bill has been...
  7. J

    Seeking advise on New Annuity investments

    A host of great performing mutual funds available from T. Rowe Price, Fidelity, Vanguard, others. Easy to visit their websites and explore options. Fidelity also has offices in metropolitan areas. Edward Jones has advisors even in small towns. They have conservative recommendations and...
  8. J

    Helping spouse understand my brilliance

    Your approach is sensible. When we bought our house last year my wife suggested paying cash, but we chose to put about 1/3 down. Our loan rate is not as low as yours, but this was still the best financial choice. Our investments are a little more aggressive than yours. The major portion of...
  9. J

    Top 10 most scenic drives

    I-15 mt Interstate 15 between Spencer, Idaho and just before the junction with I-90. We have driven this about 30 times in the past 20 years and it never gets old. Awesome in every season though not such a relaxing drive sometimes in the winter.
  10. J

    Investing A Windfall When You're Already OK for FIRE

    The act of giving brings the joy of living I would go to the Charity Navigator web site https://www.charitynavigator.org, and start searching for the best places to give. We have been blessed with a modest amount above what we need. I am having a joyous time sharing, but I am very careful...
  11. J

    Random Amazon packages arriving, not happy

    New to me Have never had this problem. I don’t know if it is happening with other retailers. Depending on what I am shopping for, I look at Walmart or Home Depot before trying Amazon. I sometimes use EBay, but my first choice is always local stores if they have what I want.
  12. J

    Video Doorbell recommendations

    Ring We are using Ring. Only issue is slow response, but this is not the fault of Ring. We have satellite Internet, which is often dismally slow.
  13. J

    More Wise Thoughts?

    Giving The act of giving brings the joy of living.
  14. J

    Grandiose Spending

    Just too much money Some folks just have too much money. In a neighborhood near where I grew up, one family rented props from Hollywood movie studios and held a lavish party for Halloween. They spent about $100,000 each year, plus a fine for putting decorations on city property. At least...
  15. J

    Young Adult Children & Money

    I would challenge daughter 25 to show how responsible she can be with the inheritance she is about to receive. If she spends a modest amount on herself, puts a good chunk in a retirement account, and either completes her education or gets a good job, then in a year or two gift her a portion...
  16. J

    Son in vo-tech for welding. College?

    Share this with him. I thought I would go to trade school to become an auto mechanic. Then I chose to attend college as a business major, but ended up teaching. I loved teaching and still do. Having gone to college, I still could have chosen to work as a mechanic, and with my business...
  17. J

    For those who have open communication with your family about money, how much will you

    In what country can any house that is still standing sell for as little as $50k?
  18. J

    Online banking from the road

    Use phone service I will do banking from the phone using cellular data, not WiFi.
  19. J

    frugal work clothes

    I no longer need that style. I still have several nice shirts and pants that I used to wear regularly. I also wore ties or sweaters. I still wear sweaters in the winter for church and some other occasions. I just put a dozen ties in a bag for the thrift store, but I still have 39 more that...
  20. J

    National Parks Proposal

    If I am camping, I don’t expect places to shop. And a separate matter, lots of us old folks have lifetime passes that won’t generate much profit for a concessionaire.
  21. J

    Asking about ethnicity?

    These days some folks apparently want to be offended by almost anything. I suspect that most people still enjoy sharing about themselves, their family, their heritage, etc. Sad that some cultural “leaders” have created this sense of impropriety.
  22. J

    While we are discussing toenails....

    Vick's I have also heard that Vick's Vaporub works. Inexpensive too. One person I know got rid of it by soaking in apple cider vinegar (diluted somewhat with water).
  23. J

    Inheritance - separate or co-mingled

    All together Wether from the inheritance or what we have invested outside of our IRAs on our own, the accounts are in our trust, so all is shared equally.
  24. J

    Struggling with "Blow That Dough" Mentality

    Buy it. Once you have it, you will be glad you did. A person close to me (grew up during the depression) died with a huge portfolio. Nice for his heirs, but no benefit to him.
  25. J

    Long-Term Market Returns

    I use mostly mutual funds The future is unpredictable, but there are quite a few mutual funds that have provided double digit returns over 5, 10, and even 20 years.
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