Search found 53 matches

by david_that_guy
Thu Jun 11, 2020 7:02 am
Forum: Personal Consumer Issues
Topic: 2 cars, one driver. Should I sell one?
Replies: 45
Views: 3308

Re: 2 cars, one driver. Should I sell one?

We were in the same situation and sold one of our cars two years ago. It really has never been a problem. On the very rare occasions when we both need transport at the same time I've ridden my bike, walked, or taken a bus. The garage I use for service is near a bus stop, so it's easy to get there. G...
by david_that_guy
Sat Nov 23, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Iphone [need a new one]
Replies: 23
Views: 3001

Re: Iphone [need a new one]

Earlier this year I bought an iPhone 8 new. They now cost $450 with no trade-in. It's an excellent phone and has all the features most people need at a great price. My plan is to stay 1 or 2 generations behind the latest and replace my phone every 3 to 4 years. iPhones are so good now that the impro...
by david_that_guy
Tue Jun 25, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 91
Views: 7868

Re: Single cup coffee/espresso options, 2019

One more thing, you probably didn't notice much difference with the new grinder and beans because the cheapy grinders just hack the beans to bits. The more uniform the grind (which a good burr grinder can do), the better the flavor otherwise you get a mix of over and underextracted flavors in the c...
by david_that_guy
Fri Jun 21, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Carryon luggage for international travel
Replies: 25
Views: 2707

Re: Carryon luggage for international travel

I flew Norwegian Airline internationally this year and they checked the carry-on size (also 55cm) but not the weight in the US and checked both the size and the weight on the return flight. The weight limit was 10kg for everything carried on including the personal bag/item. They were very strict and...
by david_that_guy
Thu Jun 20, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 91
Views: 7868

Re: Single cup coffee/espresso options, 2019

I started grinding my own coffee beans about 8 years ago and found that the coffee tasted better than any coffee I ever had made from pre-ground beans. I think all pre-ground coffee is stale. I've used all kinds of different beans and liked everything that was roasted within a month. I now wonder wh...
by david_that_guy
Tue Apr 23, 2019 6:55 am
Forum: Personal Finance (Not Investing)
Topic: travel budget in retirement
Replies: 47
Views: 3931

Re: travel budget in retirement

My wife and I have spent about $7,000 a year on travel in our first 3 years of retirement (about 11% of total spending). That amount includes a total of 8 weeks in Europe over 3 years with many short domestic trips (within driving distance). We plan to increase that spending in the next few years si...
by david_that_guy
Mon Apr 22, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2649

Re: River cruise, Avignon to Lyon, France

On the TGV the overhead space is too small for a suitcase, even a carry-on. Even in first class, there's not enough space overhead. There are some luggage spaces in the middle of the car, not just at the ends. Be aware that the "traditional" TGV has been rebranded. The "traditional&qu...
by david_that_guy
Sun Apr 21, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Traveling to paris and amboise next week
Replies: 19
Views: 1501

Re: Traveling to paris and amboise next week

Here's a video tour of the highlights of the 1st arrondissement by American YouTuber Jay Swanson, who lives in Paris: https://youtu.be/6AJVXtd_jbE.

Even if you don't have time to visit the Louvre, you should walk around that area.
by david_that_guy
Sat Apr 06, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 3086

Re: French movies on Netflix

It is a glorious time for language buffs. It certainly is. There's so much content in any language you wish to learn. My strategy has been to make French part of my normal life. Whenever I'm walking or doing chores I listen to French podcasts or French news. I read French blogs, newspapers, and nov...
by david_that_guy
Fri Apr 05, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 3086

Re: French movies on Netflix

Unless your French is already quite good, movies and TV shows are too hard. I recommend starting with YouTube channels that are about learning French. There are many good ones. I suggest trying "Français Authentique," "innerFrench," "Francais avec Pierre," and "Hom...
by david_that_guy
Fri Mar 29, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 16523

Re: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?

detroitbabu wrote: Fri Mar 29, 2019 12:20 pm I bought 3 in size 32 from Costco last month. May be your specific store ran out of that size.
Try Costco.com
I should have been more specific. I wear size 30 waist, and Costco does not sell that size online or in stores. I also checked the Greg Norman pants, and they are not made in size 30.
by david_that_guy
Fri Mar 29, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 16523

Re: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?

I recently bought the Eddie Bauer Men's Horizon Guide Chino Pants, slim fit. They're very light, wind proof, good in the rain, dry quickly, and don't wrinkle (much). I haven't found any "wrinkle free" pants that are truly wrinkle free. I actually find the slim fit not quite slim enough, bu...
by david_that_guy
Fri Mar 29, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 8544

Re: Anybody else get a huge tax increase due to SALT deduction changes?

My total federal taxes went up slightly ($338) with very close to the same income due to the SALT changes. In my case, the increase in the standard deduction almost completely made up for what I couldn't deduct, but not quite. It's still annoying to have even a slight increase when the overall tax c...
by david_that_guy
Fri Mar 29, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 13500

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I think that trying to speak correctly is a big mistake until you are speaking at an advanced level. You can "know" the grammar perfectly, but speaking requires that grammar to be automatic and intuitive. It takes a long time and a lot of practice (hundreds of hours of speaking) to get to ...
by david_that_guy
Thu Mar 28, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Timing of Medicare application
Replies: 2
Views: 326

Re: Timing of Medicare application

In addition, coverage begins on the first day of the month you turn 65, so July 1st. I don't know if this applies in general because Massachusetts has a different system for supplemental insurance, but when my wife applied for a supplemental policy, she had to wait until the month she turned 65. She...
by david_that_guy
Mon Mar 25, 2019 7:22 am
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8441

Re: Baby Boglehead - Investing after "winning the game"

I retired at 61 with an asset allocation of 60% stock / 40% bond. All of the bonds are in VBTLX (Vanguard Total Bond Market Index Fund) and VWIUX (Vanguard Intermediate-Term Tax-Exempt Fund) in a taxable account. I also have 1 years core expenses in a money market fund as an emergency fund. I have n...
by david_that_guy
Thu Mar 07, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 13500

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I've also used the shadowing technique to improve my accent. If you google "shadowing technique" or search on YouTube, you'll find lots of examples. It basically involves repeating after native speaker audio as they're speaking as closely as you can, ideally only a word (or syllable) behin...
by david_that_guy
Thu Mar 07, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 13500

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Gabriel Wyner's book has a chapter on how to improve your accent, which you may find useful. He was an opera singer and was required to learn good pronunciation of a few languages.
by david_that_guy
Thu Mar 07, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 13500

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I decided to learn French after I retired. I've spent the last 2 years trying many different methods. I've figured out what works for me and I think it will work for a lot of people. I've gone from beginner to advanced intermediate (B2 in the European standard) and now have real conversations with m...
by david_that_guy
Sun Jan 27, 2019 8:09 am
Forum: Investing - Theory, News & General
Topic: What was your first Vanguard fund or ETF?
Replies: 72
Views: 5506

Re: What was your first Vanguard fund or ETF?

Windsor Fund circa 1985. I held that fund until 2010, at which point I started to move to a Bogleheads 3 fund portfolio.
by david_that_guy
Tue Jan 22, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 16523

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

The notion of trying to blend in better to avoid being the target of scammers is funny. I guarantee you there is not much an American can do to avoid standing out. It's just simple fact. We don't have access to the same brands of clothing that many Europeans wear. Our clothes are cut differently, e...
by david_that_guy
Tue Jan 22, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 16523

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

I disagree with much of the above. Well, not acting like a jerk is good advice, but it's good advice in the US also. Your first paragraph simply stereotypes all American tourists as loud and obnoxious, compared to all those well-mannered non-US people. Clothing ... I'll wear shorts if it is hot and...
by david_that_guy
Tue Jan 22, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 16523

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

I disagree with much of the above. Well, not acting like a jerk is good advice, but it's good advice in the US also. Your first paragraph simply stereotypes all American tourists as loud and obnoxious, compared to all those well-mannered non-US people. Clothing ... I'll wear shorts if it is hot and...
by david_that_guy
Tue Jan 22, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 16523

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

I do think it's good advice to try not to look like an American tourist. Why? Because in popular tourist areas you will attract pickpockets and scam artists like flies to you know what. You're not trying to fool the locals, you're just trying not to stand out. What makes someone an obvious American ...
by david_that_guy
Thu Dec 27, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Help Me Think About the Future: How Do You Know When Your Risk Tolerance Changes?
Replies: 37
Views: 2698

Re: Help Me Think About the Future: How Do You Know When Your Risk Tolerance Changes?

My AA history is probably fairly common. I was 100% equities until the dot-com bust in 2001. I was 46 at the time. That event made me realize that 100% was too high for me, so I reduced my equities to 70%. Note that I waited a few years before selling equities so I didn't lock in all my losses but I...
by david_that_guy
Mon Jul 30, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 8680

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

My wife applied for SS this year. Her benefit was $2.00 per month less than the estimate, but the estimate assumed she had continued working for another year, which she had not done. It seems to me that the estimate is very accurate. As others have pointed out, the estimate is based on your continui...
by david_that_guy
Mon Jul 09, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Run your retirement like an insurance company: liability matching
Replies: 13
Views: 2096

Re: Run your retirement like an insurance company: liability matching

If you want to see how to plan for retirement like an insurance company, see the blog on an actuarial approach to retirement planning: http://howmuchcaniaffordtospendinretirement.blogspot.com/ The actuaries who write the blog include spreadsheets so you can implement their method. They include recom...
by david_that_guy
Wed Jul 04, 2018 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Health Care in "Early" Retirement
Replies: 50
Views: 5907

Re: Health Care in "Early" Retirement

End of your current employer insurance is a qualifying event.
by david_that_guy
Wed Jul 04, 2018 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Health Care in "Early" Retirement
Replies: 50
Views: 5907

Re: Health Care in "Early" Retirement

Longdog is right. You can't just get on ACA unless you have a qualifying event. End of existing insurance (such as COBRA) is a qualifying event, having a child, getting a divorce. Otherwise you can only enroll once a year. That's specifically to prevent people from going without insurance and then g...
by david_that_guy
Sat Jun 30, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 10974

Re: What are you learning or studying?

French. In my first year of retirement, I wasn’t that serious. I spent about 30 minutes a day using various language apps. Then 10 months ago I decided to get serious and set a goal of being fluent. I spend 15 - 20 hours a week watching YouTube videos, documentaries, and listening to podcasts all in...
by david_that_guy
Sun Jun 10, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 8520

Re: Need advice on 1st international vacation

Even if you love museums, you will find yourself getting overwhelmed. For example, the Louvre has 35,000 items on display. If you spent 30 seconds looking at each one, you would need 6 weeks (8 hours per day). This is also true of the Uffizi in Florence, Vatican Museum in Rome, National Gallery in L...
by david_that_guy
Fri May 18, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Having trouble figuring out expected expenses in retirement
Replies: 37
Views: 3491

Re: Having trouble figuring out expected expenses in retirement

In case it wasn't clear, my $18,000 in medical expenses with ACA included the fact that my wife and I are just over the ACA cliff. We couldn't get under the cliff because of dividends and capital gains. The capital gains are primarily due to tax inefficient investment choices I made years ago before...
by david_that_guy
Thu May 17, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Having trouble figuring out expected expenses in retirement
Replies: 37
Views: 3491

Re: Having trouble figuring out expected expenses in retirement

I kept track of my expenses closely for the last 5 years of my working life and used those as the basis for retirement expenses. They changed very little during that period of time. I subtracted the obvious things like commuting related expenses. As you surmised, medical and dental are the hard ones...
by david_that_guy
Sat May 12, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Getting Bombarded With Medicare Mailings!
Replies: 16
Views: 1423

Re: Getting Bombarded With Medicare Mailings!

Interesting because I'm very close to your age but haven't gotten any medicare solicitations yet. My wife, who recently turned 65, has been bombarded for about a year. I'm fairly sure it started when she turned 64. More stuff to recycle in my future. Fortunately, not that many phone calls.
by david_that_guy
Fri Mar 09, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Flight to Paris etc
Replies: 33
Views: 4533

Re: Flight to Paris etc

I flew AA to Paris from Boston last Spring. The plane was very old and needed to be retired, and the food was the worst I've ever had on an airplane, which is really saying something bad. However, the fare was incredibly low (regular economy not basic $435 per person). If it weren't for the price, I...
by david_that_guy
Wed Feb 28, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Question for older bicyclist, coming back from injury
Replies: 42
Views: 3304

Re: Question for older bicyclist, coming back from injury

I am 63 and have been a serious cyclist for 37 years, including 10 years of racing. I have broken my collarbone twice and broken ribs several times. Unfortunately, crashes are an inevitable part of cycling. No matter how careful you are, there will be patches of sand or potholes or cracks in the pav...
by david_that_guy
Mon Jan 15, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Estimating health care expenses in retirement
Replies: 12
Views: 2071

Re: Estimating health care expenses in retirement

Even short term estimates can be way off. I retired 2 years ago at age 61 and my wife retired 3 years ago at 61. Before retiring I estimated our health care costs (pre medicare) based on ACA policy costs plus our previous 3 years out of pocket medical expenses. I added 10% per year to cover increase...
by david_that_guy
Fri Jan 05, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 6328

Re: Downsizing to one car in retirement...

Ages 63/64 and both retired for 2 years. My wife and I downsized to one car after 1 year of retirement. We live in a suburb without much public transportation, but it hasn't been a problem. I ride my bike everywhere. In fact, one of the reasons I wanted to get rid of my car was so I would not be abl...
by david_that_guy
Tue Dec 12, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: prudent buying a refurbished laptop?
Replies: 25
Views: 2836

Re: prudent buying a refurbished laptop?

I've bought 2 refurbished Apple Macbooks from Apple and so far they have been as good as new. Both are 2015 models. I've owned one almost a year and the other about 5 months. I've been buying only Apple hardware for 12 years. It is more expensive but I've found the durability far better than any oth...
by david_that_guy
Wed Nov 22, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: New car buyers...you should consider financing
Replies: 39
Views: 5096

Re: New car buyers...you should consider financing

I've been thinking of financing my next car purchase just to improve my credit score. Since I paid cash for my last 3 cars and paid off my mortgage more than 10 years ago, I have not had any loans for a long time. The credit score report always notes a lack of loans. I was thinking to pay mostly cas...
by david_that_guy
Mon Nov 13, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Clements: Your "Number One Number"
Replies: 24
Views: 4219

Re: Clements: Your "Number One Number"

In my area, the median house is about $560,000. Even with 20% down, mortgage plus property taxes will be a hefty percentage for any family when the median household income in the same area is $68,000. That assumes, of course, that someone with that median income could qualify for such a mortgage. Ev...
by david_that_guy
Sat Nov 11, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 16662

Re: What is the difference between retiring and resigning from a job?

I told my manager I was resigning because I was considering looking for another job after taking the summer off. Since my company has no retirement benefits there was no practical difference. After the summer, I decided not to look for a job. So, by my "mental accounting" I resigned and th...
by david_that_guy
Sat Oct 21, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 58319

Re: Does anyone here with net worths north of $1 mil use financial advisors?

I used an FA about 6 years ago and paid her $500 for a retirement plan (5 years before my retirement 1 year ago). She asked a lot of detailed questions about our (my wife and my) spending and investments and retirement goals and came up with a recommended budget, asset allocation, investments and a ...
by david_that_guy
Fri Sep 22, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 12495

Re: Age you retired

61 in 2016.

I was a software engineer and really enjoyed my job until the last few years. I might have kept working if I hadn't had to spend most of my time in meetings and office politics.
by david_that_guy
Fri Sep 15, 2017 4:17 pm
Forum: Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 70
Views: 11453

Re: Retirees-anyone miscalculate how much was needed?

I've only been retired for 15.5 months, so it's a bit early to make a judgement, but so far our core expenses have been the same as they were our last few years of working. I budgeted more for international travel, so that was an expected additional expense, and we've kept within that budget so far....
by david_that_guy
Fri Sep 15, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Name Change as a way to Protect Against Identity Theft
Replies: 16
Views: 3361

Re: Name Change as a way to Protect Against Identity Theft

I think every 3 months is too inconvenient. :D
by david_that_guy
Thu Sep 14, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Name Change as a way to Protect Against Identity Theft
Replies: 16
Views: 3361

Re: Name Change as a way to Protect Against Identity Theft

To avoid identity theft, I plan to change my name, birth date, social security number, and address every six months.
by david_that_guy
Thu Sep 14, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think
Replies: 49
Views: 7642

Re: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think

What I struggle with now is the dichotomy between need to take risk and ability/willingness to take risk. Since I worked an "extra" 3 years before retiring and my wife and I are very frugal, I could change my AA to 30/70 and still be fine. I find the idea that once you have won the game, y...
by david_that_guy
Thu Sep 14, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think
Replies: 49
Views: 7642

Re: [WSJ] Your Tolerance for Investment Risk Is Probably Not What You Think

pre 2008 my asset allocation was 75/25 stocks/bonds. In hindsight, this was too high for me when I was 5 years from retirement. I had been at that AA for around 20 years post 2008 I changed my asset allocation to 35/65. This was my over-reaction. early 2010 I changed my asset allocation to 50/50 whe...