Search found 251 matches

by Van-Guard23
Fri May 11, 2018 3:26 am
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 28
Views: 2126

Re: 36" or 42" wide Refrigerator?

Yes, for a new build, assuming that there's enough room and the cabinet configuration works, it can be a very aesthetically and financially appealing option. Whatever option you choose, just make sure that you go with standard sizes that, if you go for columns/all freezer-all fridge combo, takes in...
by Van-Guard23
Fri May 11, 2018 3:02 am
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 28
Views: 2126

Re: 36" or 42" wide Refrigerator?

You mention your current 36" is 25.5cu. ft. I'm guessing it is not counter depth. It is unlikely you can get that much space in a counter depth 36". I have a 42" built-in side by side and it is 25 cu ft. If you can get by with less storage than you have now a 36" counter depth would be an attractiv...
by Van-Guard23
Wed May 09, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 28
Views: 2126

Re: 36" or 42" wide Refrigerator?

Thanks UALFlyer. Yeah, read the long Houzz thread and I really liked the full fridge full freezer combo with trim kit...has that professional look for significantly less than what a “regular” 48” fridge would go for. I will have to check that out further and decide on which one (I think wife and I a...
by Van-Guard23
Wed May 09, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 28
Views: 2126

Re: 36" or 42" wide Refrigerator?

You may want to review this thread: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=241898 Is this going to be a starter or high end house? With a starter house, I would unquestionably put in a 36" freestanding refrigerator, which is what would be expected in such a house. If it's a high end ...
by Van-Guard23
Tue May 08, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 28
Views: 2126

Re: 36" or 42" wide Refrigerator?

Can you go with the "standard size", and yes, have an additional fridge, freezer, or combo, in the kitchen (e.g., under counter) or elsewhere? Especially with an extra freezer, there's less need to use it often, so even in the basement or family room should be okay. If you need extra fridge space, ...
by Van-Guard23
Tue May 08, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 28
Views: 2126

Re: 36" or 42" wide Refrigerator?

Unless you have money to burn, go with standard size refrig. When (not if) it needs to be replaced, having the option of standard 36 inch refrig will be nice. 42 inch may look better, but you are paying a lot for looks without much (if any) improved performance, etc. Yeah, those built-in 42" or 48"...
by Van-Guard23
Tue May 08, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 28
Views: 2126

Re: 36" or 42" wide Refrigerator?

Don't overthink this. You have already answered your own question... in our current house, we have a a 36" W refrigerator at 25.5 cu ft capacity...and that seems to satisfy our needs for the most part ... most big box stores (i.e Home Depot) wouldn't even install a 42" wide fridge... they wouldn't ...
by Van-Guard23
Tue May 08, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4455

Re: Which City to spend 4-6 weeks?

Have you considered Amsterdam? It checks off all items on your list below..and talk about bike friendly: "- Bustling cities with many different activities, fairs, cultural aspects - Plenty of things to do in general. small, big, trivial...everything is a fair game. - Friendly locals and open to fore...
by Van-Guard23
Tue May 08, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 28
Views: 2126

36" or 42" wide Refrigerator?

My wife and I are having our house built and during the Design Options meeting, we were (at least I was) vacillating between a 36" or a 42" width opening for the refrigerator...believe 48" is too big and not worth the hassle. For context, in our current house, we have a a 36" W refrigerator at 25.5 ...
by Van-Guard23
Sat Mar 03, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: online savings
Replies: 20
Views: 1372

Re: online savings

We have online savings accounts at both Ally (1.45%) and Barclays (1.50%). Ally accommodates more external banks/accounts for transfers while Barclays is limited to only 3 external banks/accounts. If you have multiple banks and accounts you’d like to move money into and out of, then I suggest Ally. ...
by Van-Guard23
Sat Jan 27, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1830

Re: Machu Picchu and Galapagos in late March 2019

IMD, Thanks for sharing your experience with your visit to MP and Galapagos with OAT...and even around the same time of the year we are planning our visit! We just hope the weather holds up, as we understand rainy season goes through March. We went with OAT beginning the 3rd week of March - MP then ...
by Van-Guard23
Sat Jan 27, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1830

Re: Machu Picchu and Galapagos in late March 2019

I went to Cusco/Machu Picchu last November. Was there in the sacred valley area for 5 days. A few pointers - You don't need a tour company to travel around in the Machu Picchu area unless you are doing the inca trail - Altitude sickness wasn't a issue. I have two boys 3 and 5 and none of us had any...
by Van-Guard23
Fri Jan 26, 2018 3:38 am
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1830

Re: Machu Picchu and Galapagos in late March 2019

Galapagos is indeed a visit of a lifetime. Nowhere else I've been lets you get so close to the animal life. I do agree that the 7 day trip at a minimum is what is needed. Even there, we didn't get to all the islands. To be clear: you cannot visit the islands there by yourself. You have to be accomp...
by Van-Guard23
Fri Jan 26, 2018 3:34 am
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1830

Re: Machu Picchu and Galapagos in late March 2019

My wife and I took a 2 month tour through South America in 2013. We did Galapagos first, then flew to Cusco. Galapagos is the single most impressive travel destination I have ever experienced in my life. Having wildlife walking up you to with curiosity and zero fear was .... wow. My wife really enj...
by Van-Guard23
Fri Jan 26, 2018 3:29 am
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1830

Re: Machu Picchu and Galapagos in late March 2019

For my 50th birthday, my friends and I hiked Inca Trail. Not sure you are looking to do something like that. Permits sell out within weeks of opening up in November - December. But there are many other treks (shorter-longer-easier-harder) that you can take to reach Machu Picchu. We used Alpaca Expe...
by Van-Guard23
Fri Jan 26, 2018 3:24 am
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1830

Re: Machu Picchu and Galapagos in late March 2019

I am in my mid-50s and I went to the Galapagos with my younger son last year. This was a trip of a lifetime, I had been looking to do that since I was a teenager, and both of us thoroughly enjoyed the adventure. A good deal of walking around, kayaking and lots of snorkeling, so better be in a decen...
by Van-Guard23
Thu Jan 25, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1830

Re: Machu Picchu and Galapagos in late March 2019

I didn’t mean skipping Cusco altogether...just to avoid staying there overnight that same day/night as the flight from Lima. Most itineraries seem to stay in Cusco AFTER visiting Machu Picchu.
by Van-Guard23
Thu Jan 25, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Machu Picchu and Galapagos in late March 2019
Replies: 29
Views: 1830

Machu Picchu and Galapagos in late March 2019

For my 50th (gasp!) birthday in late March/early April 2019 (I understand this is at the tail end of the rainy season), my wife and I are looking to tour Machu Picchu and Galapagos. I've read posts on Boglehead as well as those on Tripadvisor but want to get additional personal feedback/recommendati...
by Van-Guard23
Tue Jan 16, 2018 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Can We Retire in Hawaii? Please Critique
Replies: 146
Views: 14604

Re: Can We Retire in Hawaii? Please Critique

SurferLife, I can't offer much feedback on your plans (as our early retirement is a bit different) but can share what my wife and I (both retired Army officers) have experienced during our early retirement here on Oahu. I retired just over 4 years ago and my wife retired just over 2 years ago. I tra...
by Van-Guard23
Fri Jan 12, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Dublin - weekend with kids
Replies: 4
Views: 440

Re: Dublin - weekend with kids

My wife and I visited Dublin over 4-5 days prior to heading up to Edinburgh a couple of years ago. We like to walk so we explored pretty much all the “tourist” attractions in Dublin, that interested us, on foot (i.e. Grafton Street, Temple Bar, St. Stephen’s Green, Trinity College, O’Connell Steet, ...
by Van-Guard23
Thu Dec 28, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Specific Travel Question - USA to Belgium to Italy
Replies: 33
Views: 2020

Re: Specific Travel Question - USA to Belgium to Italy

First of all, why Naples, Italy? Having been to Italy numerous times, I wouldn’t have thought of passing up cities like Rome, Florence and Venice to head to Naples instead...unless you’ve already been to the other locations. Nevertheless, as one poster indicated, there should be cheaper flights (che...
by Van-Guard23
Tue Dec 19, 2017 3:21 am
Forum: Personal Finance (Not Investing)
Topic: Recent experience selling property with Redfin
Replies: 8
Views: 2286

Re: Recent experience selling property with Redfin

I'll be making a phone call today to find out some more details. Thanks! What was the percentage charged for commission on the sell side? Thanks! Would be interested in hearing about your experience selling your house through Redfin. They are fairly new here on Oahu (Hawaii) and they only charge 1%...
by Van-Guard23
Fri Dec 08, 2017 4:59 am
Forum: Investing - Help with Personal Investments
Topic: Active duty family allocation advice please
Replies: 6
Views: 733

Re: Active duty family allocation advice please

Nooblet, First of all, thanks for your service. I am a retired Army officer married to another retired Army officer. There are a lot of knowledgeable and helpful folks on this forum who would come along shortly. By the way, if you haven't checked out Doug Nordman's blog, The Military Guide (https://...
by Van-Guard23
Sat Nov 04, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Anyone else have problems with Fitbit products?
Replies: 19
Views: 1145

Re: Anyone else have problems with Fitbit products?

But what would have happened if the devices failed after one year? I'm wondering if the warranty doubling (available with most credit cards) would have also gotten me the replacements. Mud, I am inclined to believe they will offer you a 25% discount good for 30 days, just as they offered me and my ...
by Van-Guard23
Sat Nov 04, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Anyone else have problems with Fitbit products?
Replies: 19
Views: 1145

Anyone else have problems with Fitbit products?

My wife has pretty much turned us into a FitBit family...with both of us owning a FitBit Charge HR, as well as son and daughter. Problem is, the Charge HRs we have don’t seem to last all that long. My wife’s original Charge HR’s charging port broke (preventing it from charging) within a year of purc...
by Van-Guard23
Fri Sep 15, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2759

Re: Questions about home purchase in a 55+ community?

We are still considering other communities but having a new house built to our wishes appeals to us...not to mention possibly younger residents. One of the "complaints" I have read about established 55+ communities is the almost daily presence of ambulances, presumably due to older residents. This ...
by Van-Guard23
Thu Sep 14, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2759

Re: Questions about home purchase in a 55+ community?

(1) With a twelve year community build-out there is lots of risk. Check the contract they'll ask you to sign. You will be promising to commit to a million long-term things and in all odds in return they'll be telling you that they can change the lot sizes, homes, clubhouse or anything else in the c...
by Van-Guard23
Thu Sep 14, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2759

Re: Questions about home purchase in a 55+ community?

Is this Kissing Tree in San Marcos? I can't answer your questions but that is going to be a beautiful community (I ride my bike near that area) and live in a community that has Brookfield Residential as a builder. Their houses are are very nice. San Marcos is also a pretty neat town in and of itsel...
by Van-Guard23
Thu Sep 14, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2759

Re: Questions about home purchase in a 55+ community?

Van-Guard 23, One thing to consider in making such a large investment is in the event you decide this is not the right place for you, all of the concerns you voice now as a buyer will become your obstacles once you are a seller. In addition, a 55+ community restricts your pool of potential buyers a...
by Van-Guard23
Thu Sep 14, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2759

Re: Questions about home purchase in a 55+ community?

I know this isn't the answer you're looking for, but faced with the same issues, though on a much reduced financial scale, we opted for an established, but extremely well maintained community. Vastly better value. Have been here 24 years with not a moment of regret. Edited to add: HOA fee now $404/...
by Van-Guard23
Thu Sep 14, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2759

Questions about home purchase in a 55+ community?

My wife and I are in the preliminary process of purchasing a possible "forever home" in a new 55+ active adult community in Central Texas' Hill Country and would like to ask a few questions of those esteemed forum members who may have gone through the process we find ourselves going through. We are ...
by Van-Guard23
Sun Aug 20, 2017 2:58 am
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 55
Views: 7519

Re: Kitchen knife set. Good quality - Recommendations

Wusthof Classic. +1. About 4 to 5 years ago, DW and I decided to upgrade our cutlery set to Wusthof Classic knives and we've been quite happy with them...well, more so with me since I do most of the cutting and cooking at home. My wife insisted, however, that in addition to the 7-piece cutlery set ...
by Van-Guard23
Fri Aug 04, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Barcelona Hotel Recommendations
Replies: 30
Views: 2809

Re: Barcelona Hotel Recommendations

When my wife and I, with our daughter, visited Barcelona a couple of years ago in December, we decided not to stay around La Ramblas to avoid the noise. We opted instead to stay closer to the La Sagrada Familia neighborhood in a 2 bedroom 2 bathroom place in Hispanos 7 Suiza (considered an apartment...
by Van-Guard23
Tue Aug 01, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 9230

Re: How far off are Zillow's estimates?

I use Zillow for estimating our house's value as part of our net worth calculations. I would normally compare values on Zillow, Redfin and Realtor.com and while the values on Zillow and Realtor.com are quite close to each other, Redfin's figures are about 9% above the other two. I just use whatever ...
by Van-Guard23
Fri Jul 28, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays increases interest rate
Replies: 16
Views: 3454

Re: Barclays increases interest rate

student wrote:Barclays has now increased it to 1.2%.
Yeah, just saw an email from Barclays regarding the APY increase to 1.20%, supposedly as of the 25th of July. I wonder how long before Ally and others follow suit.
by Van-Guard23
Wed Jul 19, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Assistance with a retiree's (FIL's) portfolio
Replies: 9
Views: 927

Re: Assistance with a retiree's portfolio

ralph124cf wrote:With his tax bracket, there is no reason to use a tax exempt fund. The tax savings are not high enough to make the lower return of the tax free fund worthwhile.

Ralph
Thanks Ralph! Venkman made the same point and I am inclined to agree.
by Van-Guard23
Wed Jul 19, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Assistance with a retiree's (FIL's) portfolio
Replies: 9
Views: 927

Re: Assistance with a retiree's portfolio

We are looking at a fairly conservative portfolio (not concerned about leaving anything to heirs and just want to make sure he has enough to support him), with an AA of 50/50 (equity/fixed income). We would be selling the individual stocks and replacing them with VG mutual funds...ever mindful of I...
by Van-Guard23
Wed Jul 19, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Assistance with a retiree's (FIL's) portfolio
Replies: 9
Views: 927

Re: Assistance with a retiree's portfolio

When did he move out of the house and turn it into a rental? He moved out of the house in February and rented out the house in late April. I would consider selling the house and investing the funds to take advantage of the capital gain exclusion before it is lost due to rental. That's what I recomm...
by Van-Guard23
Tue Jul 18, 2017 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Assistance with a retiree's (FIL's) portfolio
Replies: 9
Views: 927

Re: Assistance with a retiree's portfolio

Nate79 wrote:When did he move out of the house and turn it into a rental?
He moved out of the house in February and rented out the house in late April.
by Van-Guard23
Tue Jul 18, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Assistance with a retiree's (FIL's) portfolio
Replies: 9
Views: 927

Assistance with a retiree's (FIL's) portfolio

I am assisting my wife, a co-trustee of a living trust with my FIL (her father) after her mom passed away, with developing a portfolio for the trust. As a background, FIL is 78 and in relatively poor health. He currently lives with BIL and SIL in Arizona. From his 2016 income tax (was MFJ), he was i...
by Van-Guard23
Fri Jun 30, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Ally raised their savings account rate to 1.15%
Replies: 19
Views: 4076

Re: Ally raised their savings account rate to 1.15%

I have online savings accounts with Ally and Barclays...and Barclays has followed suit raising their online savings account APY to 1.15% as well. Now, if the banks would just start raising APYs for longer term CDs.
by Van-Guard23
Sun Jun 11, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 4012

Re: Vue/Sling tv users--what do you miss?

We've had SlingTV and digital antenna(s) for a while now and I can't say I miss anything. When I had cable TV, we mainly watched ESPN, CNN, HGTV, History, Travel, AMC, A&E, DIY Network, Food Network, and occasionally Golf, TNT and TBS...come to think of it, since SlingTV doesn't carry the Golf chann...
by Van-Guard23
Wed May 10, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Treatment of inherited stocks from ESPPs
Replies: 2
Views: 349

Re: Treatment of inherited stocks from ESPPs

I don't understand why they would issue a W-2. The discount is taxed as compensation in the year that the purchase is made. After that, any additional profit from the sale is capital gains, and should not generate a W-2--which is for wage income. She should have gotten a 1099-B. That's what I thoug...
by Van-Guard23
Wed May 10, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Treatment of inherited stocks from ESPPs
Replies: 2
Views: 349

Treatment of inherited stocks from ESPPs

My wife became a co-trustee of a Living Trust set up for MIL and FIL when MIL passed away in December. We are in the process of transferring her mom's assets (stocks from former employer as well as individual company stocks which issued paper certificates) from multiple brokerages (beneficiary was n...
by Van-Guard23
Sun Apr 30, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Are my concerns valid about homeowners insurance?
Replies: 16
Views: 2586

Re: Are my concerns valid about homeowners insurance?

Just an update for those who might be able to benefit from additional information regarding this matter. After trying to speak with the local JAG officer (military lawyers) here in Hawaii, they deferred to lawyers in AZ for answers to our questions about additional liability stemming from my wife's ...
by Van-Guard23
Sat Apr 29, 2017 3:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 26
Views: 3805

Re: Hawaii Bogleheads, where are you?

Just to update, based on responses to this thread, I count the following BHs on Oahu: bgrpph (Hawaii Kai) Cunobelinus (Kailua) Nords (Mililani) *novicemoney (Salt Lake) *t3ztam3nt (Mililani) Van-Guard23 (Ocean Pointe) 808surfboy (HNL) brother7 (HNL) *AgentHoopla (HNL) *mikesaurus (Kaneohe) * denotes...
by Van-Guard23
Tue Apr 18, 2017 3:19 am
Forum: Personal Finance (Not Investing)
Topic: USAA and Haven Life (Mass Mutual) Life Insurance Quotes
Replies: 12
Views: 2190

Re: USAA and Haven Life (Mass Mutual) Life Insurance Quotes

Just updating everyone here.... USAA came back with double the quote for my 30 year 500k policy. They said that my asthma pushed me into the $79/month range. I was provided no opportunity to clarify that my condition has been under control since 10th grade and this was allergy related. Haven Life s...
by Van-Guard23
Sun Apr 16, 2017 10:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 26
Views: 3805

Re: Hawaii Bogleheads, where are you?

OK...so far, I count the following BHs on Oahu: bgrpph (Hawaii Kai) Cunobelinus (Kailua) Nords (Mililani) novicemoney (Salt Lake) t3ztam3nt (Mililani) Van-Guard23 (Ocean Pointe) 808surfboy (HNL) brother7 (HNL) If everyone is interested in meeting and forming a local BH chapter, I would be more than ...
by Van-Guard23
Sat Apr 15, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are my concerns valid about homeowners insurance?
Replies: 16
Views: 2586

Re: Are my concerns valid about homeowners insurance?

What about personal liability insurance. Assuming you have that already, would it already (and if not could it be extended to) include this property and could the limits be increased to a level where you feel adequately covered for all likely risks? We do have an umbrella insurance policy (indirect...
by Van-Guard23
Sat Apr 15, 2017 3:20 am
Forum: Personal Finance (Not Investing)
Topic: Are my concerns valid about homeowners insurance?
Replies: 16
Views: 2586

Re: Are my concerns valid about homeowners insurance?

Iridium, Thanks for your feedback...I don't know if I would be able to answer all the follow-up questions you posed as I wouldn't be able to contact USAA until Monday to discuss this arrangement as well as how it may impact our own insurance policies, if it does at all.With the trust as the insured,...