Search found 241 matches

by LuigiLikesPizza
Sat Sep 23, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: International Bond Funds
Replies: 3
Views: 309

International Bond Funds

Please excuse the fact that I am not a sophisticated investor which shows by asking this question. I currently have about 30% of my equity allocation in a Vanguard Total International Stock fund. I am looking across my entire portfolio at the moment and I need to rebalance from to a lesser percentag...
by LuigiLikesPizza
Sat Sep 09, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: DVDs and Longterm Storage
Replies: 7
Views: 512

DVDs and Longterm Storage

I'm packing boxes for longterm storage while I transition to a new lifestyle, really trying to pare down my belongings. In the interim, I'll be mobile for a couple years. I keep staring at my box of movie DVDs. I've only collected the movies I love and there are about 100 of them. I am ready to toss...
by LuigiLikesPizza
Thu Aug 17, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Sales Tax Calculation when Buying Online
Replies: 10
Views: 603

Re: Sales Tax Calculation when Buying Online

I heard back from the seller. They said they charge all U.S. buyers the highest sales tax rate (based on NY).. they offered to reimburse me.

So I guess the moral of the story is that they keep the difference unless some goofball like me calls them to ask about it.
by LuigiLikesPizza
Sun Aug 13, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 83
Views: 7734

Re: T-Mobile promotion for 55+

I pay just under that amount for a single line via Consumer Cellular.....but it's something of a hassle dealing with the shifting rate plans and having to monitor it in order not to overpay. I think I need to look into this.
by LuigiLikesPizza
Sun Aug 13, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Sales Tax Calculation when Buying Online
Replies: 10
Views: 603

Sales Tax Calculation when Buying Online

Almost all of my online shopping takes place at Amazon. Over the years, I've glanced at the sales tax calculation and it always looks accurate. Today, I placed an order online with a company that I believe is outside the US. I went to look at my invoice in my inbox after the purchase and noticed tha...
by LuigiLikesPizza
Sat Aug 12, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 9406

Re: When does renting make sense

When you can deduct a reasonably decent percentage of your rental expenses due to business use/home office - and it's far less complicated at tax time, than if you owned the home - unless I suppose if you plan to be in that home for a long time.
by LuigiLikesPizza
Wed Aug 09, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Honey app to save money on Amazon?
Replies: 2
Views: 548

Honey app to save money on Amazon?

Have any of you tried this app? Did it save money? any side effects, lol ? thanks
by LuigiLikesPizza
Sun Aug 06, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Heavy Duty Boxes for Long Term Permanent Storage
Replies: 20
Views: 1741

Heavy Duty Boxes for Long Term Permanent Storage

I have some boxes right now in permanent storage - the cardboard ones tend to sink and get squished when other boxes sit on top of them - they are not that stable. The clear plastic Sterilite boxes from Walmart tend to crack and bend over time. I need a better solution as I am seriously downsizing a...
by LuigiLikesPizza
Sat Aug 05, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 36
Views: 5965

Re: NYT: Buy more takeout and hire a maid, study suggests

There are some ways to enjoy a care free meal at home that does not involve complications or lots of prep or dishes to wash.

We often slice fresh fruit, cheeses, nuts etc and make a cheese board. Nicely served with alchohol or iced tea as you prefer.
by LuigiLikesPizza
Sat Aug 05, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 36
Views: 5965

Re: NYT: Buy more takeout and hire a maid, study suggests

My happiness will increase even more in the near future. I've priced out the cost of hotels in this HCOL (all promotions and discounts considered) and it seems they are competitive with my rent. I am nearing retirement, so I am giving up my apartment and moving into a hotel. I cannot imagine a livin...
by LuigiLikesPizza
Tue Aug 01, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Any tips for negotiating with extended stay hotels?
Replies: 5
Views: 872

Any tips for negotiating with extended stay hotels?

I have a couple of six week trips coming up and understand that it' best to negotiate locally.

Any recommendations for which chain has the best value for an extended stay hotel? (clean, breakfast, gym, etc.)? thanks
by LuigiLikesPizza
Mon Jul 31, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor/Retirement Planning - Conventional Wisdom?
Replies: 16
Views: 1657

Re: Financial Advisor/Retirement Planning - Conventional Wisdom?

"Are you a financial advisor or involved in the financial advisory business?
What an odd reply to my innocuous comment.

Is there a super secret password I missed upon joining? LOL
by LuigiLikesPizza
Mon Jul 31, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor/Retirement Planning - Conventional Wisdom?
Replies: 16
Views: 1657

Re: Financial Advisor/Retirement Planning - Conventional Wisdom?

This the nature of forums :) hence why IMO, forums are but one source, not the only source.
by LuigiLikesPizza
Mon Jul 31, 2017 6:53 am
Forum: Investing - Theory, News & General
Topic: Preparing for change = personal financial planning implications
Replies: 10
Views: 1001

Preparing for change = personal financial planning implications

I often follow Richard Branson and he was recently featured in an article with Udo Gollub, CEO of 17 Minute Languages. Not so long ago, Gollub compiled a list of the imminent (now and over the next 20 years) changes to our lifestyles due to sweeping technological change. I could not help but try to ...
by LuigiLikesPizza
Mon Jul 31, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: Buying Shoes
Replies: 12
Views: 1255

Re: Buying Shoes

I just stumbled across this piece this morning which talks about making 3D images of one's one feet in order to create the perfect shoe. Perhaps we're just waiting for the website to come along so we can order them custom made - According to the article, this is imminent. https://www.linkedin.com/pu...
by LuigiLikesPizza
Sun Jul 30, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Buying Shoes
Replies: 12
Views: 1255

Re: Buying Shoes

What I have begun to do is when I do find a well fitting shoe at a good price - is to purchase several pairs and store the others for the future.

Given the vagaries of the shoe market, I think this might be a good idea.
by LuigiLikesPizza
Sun Jul 30, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Buying Shoes
Replies: 12
Views: 1255

Re: Buying Shoes

What I have begun to do is when I do find a well fitting shoe at a good price - is to purchase several pairs and store the others for the future.

Given the vagaries of the shoe market, I think this might be a good idea.
by LuigiLikesPizza
Sun Jul 30, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor/Retirement Planning - Conventional Wisdom?
Replies: 16
Views: 1657

Re: Financial Advisor/Retirement Planning - Conventional Wisdom?

i'll place my bets on the forum knowing more. I've received immensely helpful information here, no doubt. I find however that the quality of responses to any specific post are subject to whomever is responding that day or days. I tried to make that point with my hit or miss analogy above, but appea...
by LuigiLikesPizza
Sun Jul 30, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Buying Shoes
Replies: 12
Views: 1255

Buying Shoes

My GF has been buying the same American make & models of shoes for a decade - they fit well, wear well, etc. - but recently something changed - the quality and sizing are way off - even same brand/style name/size, etc. - such that they have been returned and won't be reordered again. We are noticing...
by LuigiLikesPizza
Sat Jul 29, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor/Retirement Planning - Conventional Wisdom?
Replies: 16
Views: 1657

Re: Financial Advisor/Retirement Planning - Conventional Wisdom?

Why would you think a **recommended financial advisor** would know anything close to what the collective wisdom on this here board can impart? I think a life decision such as retirement should not be entered into lightly. For better or worse, often for better, the forum can still represent groupthi...
by LuigiLikesPizza
Sat Jul 29, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Working past your number, part II
Replies: 0
Views: 542

Working past your number, part II

If you've already hit your retirement number, but you are working another year and a half in order to reach retiree healthcare eligibility, would you make any changes or do anything differently *right now*? examples - - increased focus on that "bucket list" - don't wait until retirement, if possible...
by LuigiLikesPizza
Sat Jul 29, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: Are any advisors not self serving
Replies: 25
Views: 2161

Re: Are any advisors not self serving

The advisor I met with this week advised me to retire at the latest date in his range, which would replace my current salary, even though I told him I've always lived on 50% of my current salary - so that makes me wonder. Additionally, when he saw my asset allocation percentage in bond funds he near...
by LuigiLikesPizza
Sat Jul 29, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor/Retirement Planning - Conventional Wisdom?
Replies: 16
Views: 1657

Financial Advisor/Retirement Planning - Conventional Wisdom?

After shipping all my excrutiatingly personal financial details off to a recommended financial advisor a few weeks ago, we had our first meeting this week and he gave me his presentation based on my situation. My first concern was that he gave me his earliest, ideal and maximum suggested dates for m...
by LuigiLikesPizza
Tue Jul 25, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 5272

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

If I were you, I would look for a way to rig it. With the internet and the new world of on-demand customization, it seems you can find someone who could custom make a comfortable seat pad with the structure you need, fitted to the vehicle and to your body. Keep googling. It may cost a bit, but your ...
by LuigiLikesPizza
Tue Jul 25, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Treadmill Desk
Replies: 8
Views: 971

Re: Treadmill Desk

I found an interesting configuration - looks great for someone like me who has to move in a few months:

https://healthylivinghowto.com/sitting-is-killing-you/

She claims the 15 pound weights on each end keep everything 100% stable
by LuigiLikesPizza
Mon Jul 24, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Treadmill Desk
Replies: 8
Views: 971

Re: Treadmill Desk

I'm intrigued by your suggestion Jim - but having trouble visualizing one aspect - drilling holes through pool noodles, which are at least a few inches thicK?
by LuigiLikesPizza
Sun Jul 23, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Treadmill Desk
Replies: 8
Views: 971

Treadmill Desk

I've had a laminated board cut to fit the dimensions of my treadmill, including rectangular holes on each side in order to attach it to the arms of my treadmill. I will use this at a slow speed while staring at a laptop screen during incredibly long and boring work related meetings. All I need now a...
by LuigiLikesPizza
Sun Jul 23, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4560

Re: How much electricity are you using and how expensive it is?

Northern VA, can't recall how many kw used by month, but usage is even year round - use electricity for everything - no gas here.

1200 square feet - $55 - $65/month year round.
by LuigiLikesPizza
Sun Jul 23, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Property in Rural Area that is going "chic"
Replies: 19
Views: 2855

Re: Property in Rural Area that is going "chic"

Property taxes and heating bill in upstate ny let alone the weekend traffic can be brutal. There's a reason big houses are often so cheap. They cost a lot to look after. Appreciate the feedback. I would be using this more as a seasonal home, than a weekend home. Property taxes are an issue, apparen...
by LuigiLikesPizza
Sat Jul 22, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Keurig vs coffeemaker - and the Keurig won
Replies: 53
Views: 3925

Re: Keurig vs coffeemaker - and the Keurig won

I haven't drank a great cup of Keurig yet - maybe it's still out there. I note with interest however, that the aisles in the local groceries no longer say "coffee", they say "coffee pods".

That said, I don't think I can ever give up my Nespresso. LOVE IT.
by LuigiLikesPizza
Wed Jul 19, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Property in Rural Area that is going "chic"
Replies: 19
Views: 2855

Re: Property in Rural Area that is going "chic"

If you are just looking for a place to live then all you care about, perhaps, is that you aren't too late. This is my primary concern. I am watching prices and so far, so good...but my target area is just beyond the bulls eye of the trendy activity - imagine that - it all surrounds a couple restaur...
by LuigiLikesPizza
Wed Jul 19, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Property in Rural Area that is going "chic"
Replies: 19
Views: 2855

Re: Property in Rural Area that is going "chic"

I can see that - but I think more for liquid assets than real assets?, more complicated, barriers to entry, etc.
by LuigiLikesPizza
Wed Jul 19, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Property in Rural Area that is going "chic"
Replies: 19
Views: 2855

Property in Rural Area that is going "chic"

For awhile now, I've had my eye on purchasing & upgrading a summer home in upstate NY. Now I'm hearing that the area I've been looking at is going "upscale" - currently, it's rural, with small towns and run down farms. Apparently, because land and property prices are depressed, it's becoming a targe...
by LuigiLikesPizza
Wed Jul 19, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Bank accounts in another state
Replies: 6
Views: 677

Re: Bank accounts in another state

Actually, I am not changing or getting rid of my current address - just using a second one.

Maybe I am answering my own question as it just occurs to me there are people with seasonal homes who likely already do this.
by LuigiLikesPizza
Wed Jul 19, 2017 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Bank accounts in another state
Replies: 6
Views: 677

Bank accounts in another state

Life has changed and I'll be spending quite a bit more time at my mother's house, in a different state. It's a very rural area, no national banks, only local banks and CUs. I'm thinking of opening a bank account in my mom's area at one of these locations. I bank online, but am thinking of using my m...
by LuigiLikesPizza
Tue Jul 18, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Trying to communicate with a young nephew using iPad
Replies: 1
Views: 258

Trying to communicate with a young nephew using iPad

I have a seven year old nephew who lives across the country and this summer he has come up to speed quickly on using technology to connect with long distance family. In the past couple weeks he has been calling me on my phone and we've been chatting using Facetime - he's using his iPad for Facetime ...
by LuigiLikesPizza
Mon Jul 17, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Favorite Sous Vide Recipes/Foods?
Replies: 6
Views: 465

Favorite Sous Vide Recipes/Foods?

I purchased a new gen Anova last week during Prime Day...my first ever sous vide device.

What are your favorite applications? looking forward to trying steaks and seafood....

Tips are much appreciated!
by LuigiLikesPizza
Sat Jul 15, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7813

Re: Switch to federal job?

Seems the OP no longer poses the question, but this topic comes up often enough for others that it might be worthwhile to hear from someone who's had considerable amount of experience on both sides of the fence. I've been with the feds for several years after many years in the IT industry. I left be...
by LuigiLikesPizza
Wed Jun 21, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 2806

Re: Widowed mother - siblings try to make a plan

I can see how those comments could have been misleading - but my chosen words were only intended to convey complexity. Like many families, ours is cloaked in layers of emotional complexity which complicate financial issues. We are grateful for the role our brother plays and he in turn is also gratef...
by LuigiLikesPizza
Tue Jun 20, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking towards a million and retiring at 55.
Replies: 38
Views: 5963

Re: Tracking towards a million and retiring at 55.

Currently, I make around $124,000 salary not including other benefits which amount to a total compensation package of $171,000


As a fellow federal employee, can you let me know where you obtained the dollar value estimate of your non-salary compensation?

thanks
by LuigiLikesPizza
Tue Jun 20, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 2806

Re: Widowed mother - siblings try to make a plan

I have to chuckle at those posters who have cherry-picked certain parts of certain posts and clarifications in the thread as they wish and use those incomplete bits to jump to amazing conclusions. All you know about our family is what I have written here - nothing more. If you want to project your o...
by LuigiLikesPizza
Tue Jun 20, 2017 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 2806

Re: Widowed mother - siblings try to make a plan

Our brother is married and has a child. There has been a history in their marriage of them both providing a lot of care to our mother and his wife's mother. For my mom, especially since our stepfather passed. I think my mother hates to be left alone, even if she's ok, so she might invent reasons for...
by LuigiLikesPizza
Mon Jun 19, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 5884

Re: Alternatives to Amazon

It appears to me all kinds of things are happening and changing rapidly in online retail. Amazon is the star for keeping the consumer updated all in one easy to ready and organized layout. At the very least, they communicate with the seller through the interface. Customer service after the sale can ...
by LuigiLikesPizza
Mon Jun 19, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 2806

Re: Widowed mother - siblings try to make a plan

At the family meeting, I will suggest an elder care attorney, thank you. I just thought of something else - setting $ aside now for funeral expenses - although not probable, she could live another 20 years and then I'd hate to see us squabbling over how to split funeral expenses - a couple of us are...
by LuigiLikesPizza
Mon Jun 19, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Widowed mother - siblings try to make a plan
Replies: 30
Views: 2806

Widowed mother - siblings try to make a plan

I am one of five siblings. Our stepfather passed away several months ago. I cannot understand this, but for some reason, when he retired, they chose the option (I forget the name of it) where his pension payments ceased upon his death. Our mother is now living on Social Security only and withdrawals...
by LuigiLikesPizza
Sun May 07, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Expat Retirement Location with Health Care Eligibility
Replies: 30
Views: 3270

Re: Expat Retirement Location with Health Care Eligibility

There are a whole bunch of expat groups on Facebook that discuss this issue nearly every day, with respect to Mexico. Lots of retired Americans and Canadians living the good life there and they answer this question every day - there are public and private options and I believe the public program is ...
by LuigiLikesPizza
Sun May 07, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Long distance move, issues/costs
Replies: 11
Views: 1145

Re: Long distance move, issues/costs

no packing services required - all is packed -just need loading, transport, unload services...

Would the POD require a driveway for it to sit in while loading?
by LuigiLikesPizza
Sun May 07, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Long distance move, issues/costs
Replies: 11
Views: 1145

Long distance move, issues/costs

My widowed aunt has retired, sold her home in Massachusetts and downsized her household possessions. Altogether, her possessions are estimated to fit into at most, a 10X10 space. She has only kept a few pieces of furniture and plans to purchase new furniture when she buys her retirement home in Flor...
by LuigiLikesPizza
Sun Apr 30, 2017 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 8311

Re: Favorite Financial Indulgences

My food bill went way up and my weight went way down. But my grocery bill is atrocious.


well, now you know we need to know what you were eating that was more expensive and caused your weight to drop?

Could you also define "atrocious"? (just curious!)
by LuigiLikesPizza
Sun Apr 30, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 7741

Re: Does Retirement Planning impact your job performance?

I don't see it as a sadness, more as an antsy-ness....like clock watching, which can become inevitable in many cases. Bully for those who are still changing jobs & careers and bouncing happily off the walls after 20 to 30+ years in the workforce, but I would bet that is the exception and not the...