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  • Re: Has anyone ever heard of this?

     This is a centuries-old practice--aka "grow holes". My"go to" source for anything like this is the online site for Mother Earth News magazine.  This link will take you to their great article, "Build an Earth-Sheltered, Energy-Efficient Greenhouse" Triple the length of your growing season with this ...
    Posted to General (Forum) by rolo on Mon, May 5 2014
  • Re: Assisted Living vs. Nursing Home ! ! !

     Long term care insurance, aka LTC insurance, can be purchased to cover your care expenses.  It is fairly expensive--expect to pay around $200 monthly for one person.  However, the cost of an assisted living facility and a care center is in the thousands every month.  If you don't have LTC insurance, and need care beyond ...
    Posted to General (Forum) by rolo on Mon, May 5 2014
  • Re: Is Your Money Making You Sick?

     People don't often think about how germy the books, magazines, CDs and movies are that you check out from your public library.  Or the common head phones that some libraries have available. <retired ibrary lady here> Really, any object that is regularly used in a public setting is teaming with bacteria.  Ewww. ...
    Posted to Money Management (Forum) by rolo on Mon, Apr 28 2014
  • Re: Spring has come. I had forgotten the weather that can come with it.

     We live in Michgan.  Temps are a roller coaster ride this time of year--74 and sunny on Easter Sunday was welcome weather!  Lately, it's been low-mid 50s with rain, clouds, and cold overnight temps.  We dial the furnace down to 60 for overnight and it runs on/off throughout the night.  I, for one, will be glad to see ...
    Posted to Virtual Thrift Club (Forum) by rolo on Mon, Apr 28 2014
  • Re: who pays the bills ???

     The actual scheduling of online payments is my job.  BUT...we sit down for a budget meeting the end of every month and discuss the budget and make any changes that are necessary for the next month's budget.   We are a team when it comes to our finances. 
    Posted to General (Forum) by rolo on Mon, Apr 14 2014
  • Re: DeborahMichelle? Bargain Binge?

     Thanks for the info/update. 
    Posted to General (Forum) by rolo on Mon, Apr 14 2014
  • DeborahMichelle? Bargain Binge?

    I was off the forum for quite a while.  I noticed that DeborahMichelle and Bargain Binge aren't here anymore.  Any update for me?  Just wondering why they left and hoping all is well with both of them.
    Posted to General (Forum) by rolo on Sun, Mar 30 2014
  • Re: Do Cheap Laundry Detergents Work?

     We have made our own powdered detergent for a couple of years now.  I do know that the hardness of the water supply makes a big difference--we have softened/treated water and have no problems with detergent not dissolving or rinsing out nicely.  We use Dawn original blue dish washing liquid and an old toothbrush to pre-treat stains ...
    Posted to Home and Family (Forum) by rolo on Thu, Mar 27 2014
  • Re: Suggestions for unpredictable yet bound-to-happen expenses?

    We have a cash envelope for clothing with $X in it.  We replenish it as the money is spent.   We have savings to cover vehicle maintenance/repairs and home maintenance/repairs.  These categories are capped at X amount and replenished as needed. Once you start tracking all those things--including haircuts, gifts, school field trip ...
    Posted to Budgets (Forum) by rolo on Sun, Mar 9 2014
  • Re: How has the recovering economy impacted your retirement plans?

     The slow but steady creep of inflation has become noticeable--the total cumulative effects of inflation in all areas has caused our budget to get tighter as we haven't, and won't, reduce our savings goals for retirement.  At 58 and 61, we are underfunded for retirement and striving ot save as much as possible.  We are also ...
    Posted to Stages of Life (Forum) by rolo on Sat, Mar 8 2014
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