Search found 46 matches

by Arabesque
Fri Aug 16, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4283

Re: Kindergarten lunches

Cheese ravioli function as a cheese sandwich and calcium serving. I would boil them up the night before and put them in a baggie cold (without sauce) next morning.
by Arabesque
Tue Aug 06, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: "Duty Free" shops at Airports
Replies: 44
Views: 3978

Re: "Duty Free" shops at Airports

I generally avoid duty free, but when we lived in Singapore, I always bought as much liquor as possible. Singapore taxes liquor so highly that the only booze I bought came from duty frees.
by Arabesque
Sun Aug 04, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is our spending crazy?
Replies: 111
Views: 7212

Re: Is our spending crazy?

YES! I can’t imagine how three people can get spend so much. You are asking because it troubles you.
by Arabesque
Thu Aug 01, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: A note on spending for kids
Replies: 148
Views: 10799

Re: A note on spending for kids

I am ashamed to say that I mocked soccer mom culture until I had middle school kids. When I saw how bankrupt much of kid culture was (phone, mall, bullying, computer games), I formed a healthy respect for all the parents carting their kids to music lessons, sync swimming, robotics, Boy Scouts. Most ...
by Arabesque
Wed Jul 31, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Piano Lessons for young kids
Replies: 29
Views: 1586

Re: Piano Lessons for young kids

My children played at least one instrument from 6 through high school. They did quite well and enjoyed playing. They had good musical friends, and band and orchestra are great for team work. That said, at various points at various ages, they needed parental support, bribes, praise, short term goals,...
by Arabesque
Fri Jul 26, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Accomodation options for NY visit
Replies: 25
Views: 1758

Re: Accomodation options for NY visit

I stayed at the YMCA once. It was an experience.
by Arabesque
Mon Jul 22, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dogs and homeowners insurance company
Replies: 86
Views: 5070

Re: Dogs and homeowners insurance company

I find myself in the strange position of defending insurance companies. Their decisions are statistically driven. I have a big maple tree near my house that my company wanted down. Statistics. I found another company. Recognizing the differences among breeds is not pseudoscience. It is genetics. Jus...
by Arabesque
Mon Jul 22, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Dogs and homeowners insurance company
Replies: 86
Views: 5070

Re: Dogs and homeowners insurance company

Even well trained dogs bite. People make mistakes, and dogs make mistakes. Any time one reduces bite inhibition through genetics or training, one increases the possibility of bites. A chihuahua bite is nasty, but a Rottweiler bite could be fatal. The stats on dog bites are grim. Here is a website wi...
by Arabesque
Fri Jul 19, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Trip to Honolulu
Replies: 49
Views: 3043

Re: Trip to Honolulu

I spent a month there for work in 2001. When I planned the trip, I hadn’t realized how much I would have to work, but I found some time for fun. My fond memories include 1. taking the dollar bus around the whole island, very non-tourist. The bus probably costs more now, but the Oahu public transport...
by Arabesque
Fri Jul 19, 2019 9:43 am
Forum: Personal Investments
Topic: asset allocation anxiety
Replies: 29
Views: 2327

Re: asset allocation anxiety

There's a convenient VPW Accumulation And Retirement Worksheet . Its Retirement sheet ( screenshot ) takes into account current and future pensions (with and without cost of living adjustments) like a work pension or Social Security delayed to age 70 to calculate a withdrawal amount for the current...
by Arabesque
Thu Jul 18, 2019 10:50 am
Forum: Personal Investments
Topic: asset allocation anxiety
Replies: 29
Views: 2327

Re: asset allocation anxiety

Mariano Rivera, I would bring Mariano Rivera into my retirement in a heartbeat (and I'm a Red Sox fan)! I think it was the Rick Ferri article I was thinking of when I started to reduce my stock funds, "ruralavalon." I had read it and forgot its details, and It is really very helpful for understandin...
by Arabesque
Wed Jul 17, 2019 10:19 pm
Forum: Personal Investments
Topic: asset allocation anxiety
Replies: 29
Views: 2327

Re: asset allocation anxiety

pkcrafter, I will take my RMDs which I believe will be about 4 %. Actually I'm not sure what I would do with all the money as I know by my personality that once I retire I will go into frugal mode, no more exotic trips.I can be really, really cheap, and still happy with a trip to the library and a g...
by Arabesque
Wed Jul 17, 2019 4:53 pm
Forum: Personal Investments
Topic: asset allocation anxiety
Replies: 29
Views: 2327

Re: asset allocation anxiety

@livesoft and others are right about slight variations in asset allocations not making much difference in terms of income. I have seen those tables on the Boglehead wiki, and I know that we are talking small percentages. Before I started this thread, I reviewed the wiki trying to reduce my anxiety. ...
by Arabesque
Wed Jul 17, 2019 1:51 pm
Forum: Personal Investments
Topic: asset allocation anxiety
Replies: 29
Views: 2327

asset allocation anxiety

Dear Wise Bogleheads, who have taught me so much, I have always had a high risk tolerance and consequently a stock heavy allocation (80/20 or more over the decades). I am now 68 and planning to retire in the next 12-24 months. Rationally I understand that this is a time to be cautious, though I prob...
by Arabesque
Thu Jul 11, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: Visiting Buffalo,NY / Niagara Falls area - things to see and do?
Replies: 46
Views: 2328

Re: Visiting Buffalo,NY / Niagara Falls area - things to see and do?

If you do go to the Canadian side, there is a beautiful gorge walk(below the falls), rather calm this time of year, wild right after the melt. The high spiral staircase down and up are the most rigorous part. A few miles North of the Falls in the US is Fort Niagara State Park on Lake Ontario , which...
by Arabesque
Wed Jul 10, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Visiting Buffalo,NY / Niagara Falls area - things to see and do?
Replies: 46
Views: 2328

Re: Visiting Buffalo,NY / Niagara Falls area - things to see and do?

City of Lockport for canal ride and Lake Effect ice cream. Buffalo: Two modern at museum across from each other and just a short walk to free Shakespeare in the park most summer evenings. Shopping on Elmwood Ave (boutiques, hippie). Good zoo, Canalside, good music scene (Allen Street), Darwin Martin...
by Arabesque
Sat Jul 06, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1487

Re: Sofa or couch ( an6 difference) for new homeowners

Fifteen years ago I bought a cheap Raymour and Flanagan loveseat. It shows no wear even after child abuse and three dogs. On the other hand my fancy Ethan Allen showed wear within two years. FWIW.
by Arabesque
Wed Jul 03, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: The Day Has Come - Hit Retirement Number - Now What?
Replies: 103
Views: 10549

Re: The Day Has Come - Hit Retirement Number - Now What?

I have been in your position for about 5 years. I do like my job more, but at 68 it is time to move on. So finally I did accept a buyout, effective next year. To be mentally positioned to take the buyout, I first stopped thinking of retirement and started thinking of re-invention. One more metamorph...
by Arabesque
Mon Jul 01, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle
Replies: 21
Views: 2251

Re: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle

About 20 years ago, a friend called me and asked me to spend the night. Her husband was traveling, and her obstetric exam revealed some dilation. This was a bit early, but not imminent. The MD wasn’t overly concerned, but she had gone fast with her first child, and she did want to be prepared. Of co...
by Arabesque
Mon Jun 24, 2019 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Wife considering returning to work
Replies: 40
Views: 4724

Re: Wife considering returning to work

Research shows that children in high quality daycare do as well as the children of Stay at home mothers. Girl children may even do better in school because of the model of working mothers. Daycare, really good daycare, provides needs that parents cannot. In the end, with or without daycare, raising ...
by Arabesque
Wed Jun 05, 2019 11:04 am
Forum: Personal Investments
Topic: Rent my condo out.
Replies: 21
Views: 1499

Re: Rent my condo out.

I think condos can be easier rental property because usually they are in a desirable housing market, recently updated, and surrounded by eyes. I have also been an owner occupant, which helps with tenants. I have never owned a free standing rental property. That would be harder to manage.
by Arabesque
Wed Jun 05, 2019 10:48 am
Forum: Personal Investments
Topic: Rent my condo out.
Replies: 21
Views: 1499

Re: Rent my condo out.

I own a condo that i have rented out for 30+ years. It was tight at the start (so I managed it myself) and profitable later (so I paid a manager). There were issues over 30 years (a fire, a bad tenant), but never a disaster. I’m going to retire there next year. I never intended this, but it is well ...
by Arabesque
Wed Jun 05, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: Are we downsizing too much?
Replies: 63
Views: 4933

Re: Are we downsizing too much?

I think there are more factors than footage. For example I’m moving from a 1700 sq foot, suburban 3 BR with a big yard in a LCOL area to a 600 sq condo in a HCOL city. Every body in my family is planning to visit and/or live in my well located condo, even my kids. I’m thrilled with the new location ...
by Arabesque
Sun Apr 14, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6085

Re: Women, How Much Do You Pay for Haircut

Supercuts senior discount $15 plus $5 tip. Not all Supercuts are the same. One near me is quite good.
by Arabesque
Sun Apr 14, 2019 7:22 pm
Forum: US Chapters
Topic: Western NY Bogleheads Local Chapter Established
Replies: 34
Views: 2714

Re: Calling all Western NY Bogleheads

Please add me to the crew. I’m in Williamsville.
by Arabesque
Mon Feb 04, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Best sites to evaluate the financial differences between states?
Replies: 20
Views: 1250

Re: Best sites to evaluate the financial differences between states?

One of the things not considered in the websites comparing state costs: what you get for your taxes. As I age, I am happy to pay for social services, libraries, public transportation, community centers, visiting nurses, etc. These services may be irrelevant in my 50s, but vital in my 80s.
by Arabesque
Mon Jan 07, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 89
Views: 7733

Re: Child # 3 - seeking advice from older members

I am the 67 yo, single, adoptive mother of two children, now 22 and 17. I actually thought about three, but decided I would be ridiculously old when that child graduated from college. I am happy with my decision, which is different than yours. The kids keep me young, active, and hip. I am able to af...
by Arabesque
Mon Dec 31, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Furniture - Ethan Allen Sofa
Replies: 27
Views: 2655

Re: Furniture - Ethan Allen Sofa

My Ethn Allen sofa did not hold up. It was faded and lumpy within 5 years. My Raymour and Flanagan loveseat is indestructible (and I am sick of it after 15 years). I would not buy Ethan Allen again.
by Arabesque
Tue Dec 18, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: "Warren Buffett suggests you read this 19th century poem when the market is tanking"
Replies: 28
Views: 4098

Re: "Warren Buffett suggests you read this 19th century poem when the market is tanking"

If you can keep your head when all about you are losing theirs, it's just possible you haven't grasped the situation.
Jean Kerr
by Arabesque
Tue Dec 18, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 6175

Re: Kid schooling - not learning much academically. Looking for suggestions.

I don’t believe in pushing elementary school kids, probably because I was an unhappy double promotion. My elder started kindergarten not knowing her letters (small or capital) much to the teacher’s horror. She figured them out fast and ultimately went to Harvard. Let your kid play, the basis of disc...
by Arabesque
Mon Dec 03, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: Older Dads - how do you plan for your own retirement while still raising kids?
Replies: 38
Views: 5362

Re: Older Dads - how do you plan for your own retirement while still raising kids?

I’m the 67 y.o. single mother of a 17 and 22 y. o., adopted. I’m still working, though I probably don’t need to. I just don’t feel I can retire until I am certain the high school senior is well into college or is definite about career direction. I understand being tired. I did the math at 51 and fel...
by Arabesque
Thu Nov 22, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Good audio book for a family?
Replies: 33
Views: 2076

Re: Good audio book for a family?

The public library will have 100’s of audiobooks. You can take out several that way. I liked The Goldfinch, but Stephen King might work better for your family. Sometimes I do the classics: the original Frankenstein or Tale of Two Cities?

Library is the best place to start.
by Arabesque
Sun Nov 18, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Cancun in a few weeks
Replies: 52
Views: 4150

Re: Cancun in a few weeks

My family had a fantastic two weeks in San Miguel de Allende. We used public transportation, traveled throughout the region, ate anywhere. It’s a UNESCO site, a colonial city in the mountains. Lots of expats, but none of the crazy tourism!
by Arabesque
Sat Apr 28, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: 300k vs 500k house?
Replies: 32
Views: 5461

Re: 300k vs 500k house?

I thought about a bigger house when my teens were noisy, but decided it was nice to know what they were up to.
by Arabesque
Mon Mar 26, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 14368

Re: Underrated places to visit in U.S.?

Forget Manhattan. I will always remember getting off the train and seeing the amazing cultures of Jackson Heights Queens, a place where you can travel the world in a block https://en.wikipedia.org/wiki/Jackson_Heights,_Queens And Flushing https://en.wikipedia.org/wiki/Flushing,_Queens The first time...
by Arabesque
Wed Mar 14, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 16606

Re: Need advice re: Liberal Arts Colleges...

Students are disciplined in their major. School is not just self-selection. Philosophy students have years of rigorous work in reading and writing, logic and argumentation. On the other hand, Business students too often are taught from textbooks, lots of factoids with minimal writing. Education work...
by Arabesque
Wed Mar 14, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 16606

Re: Need advice re: Liberal Arts Colleges...

Community colleges certainly are an important part of the US system of higher education, but one shouldn't romanticize them. Their faculty have a huge teaching load, and many of their most successful students have trouble transitioning to four year programs. I am an English professor at a state rese...
by Arabesque
Mon Mar 12, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 10916

Re: traveling to mexico, should I be concerned?

Well I really wasn't paying attention when my college senior told me she was going to Mexico over spring break. I was wondering how she afforded it, but figured she had been working so hard academically for so long that I wouldn't fuss. Because of this thread, I figured out where she went and why sh...
by Arabesque
Fri Mar 02, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from LCOL to HCOL + effective paycut
Replies: 11
Views: 1444

Re: Moving from LCOL to HCOL + effective paycut

Life is about more than cash. Go to Boston. I left decades ago, and only when I retire next year, do I get to return
by Arabesque
Wed Feb 28, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 391
Views: 58605

Re: Good Modern Science Fiction

The Power by Naomi Alderman: teenage girls take over the world One of the New York Times's Ten Best Books of 2017 A Los Angeles Times Best Book of 2017 One of the Washington Post's Ten Best Books of 2017 An NPR Best Book of 2017 One of Entertainment Weekly's Ten Best Books of 2017 A Bustle Best Boo...
by Arabesque
Thu Feb 08, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 5885

Re: Who has had a pool?

I would never own a pool, but it's not about resale, saving, maintenance, or germs. I know someone whose child drown in their pool.
by Arabesque
Thu Feb 08, 2018 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 16922

Re: Financial Hole

Media costs: the public library has CDs and DVDs you can borrow for free. It might take planning to get there with work, but I save a $1000+/year through the library
by Arabesque
Wed Jan 17, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 5878

Re: Anyone pondering moving to a cheaper place and downsizing?

I was fussing about whether I had enough money to retire and maintain my life style when it occurred to me that I could move to my condo in a HCOL city in a HCOL state. If I sold the LCOL suburban 3BR house and moved to my old, investment 1 BR condo (not fancy, but well located with reasonable fees ...
by Arabesque
Sun Jan 14, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 4727

Re: Are land line phones still being supported?

When I had repeated trouble with Verizon repairing my landline, I reported it to the FCC. You wouldn't believe how fast Verizon responded
by Arabesque
Mon Jan 08, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 211
Views: 22847

Re: Memo to those who have won the game: it's time to quit playing

It's not so easy to quit playing! I am a lurker who registered this morning so that thank all the wonderful bogleheads who are leading me into retirement. On my 66th birthday in July, my allocation was 80/20, but then I discovered bogleheads. This and a series of events and realizations over the las...