Search found 104 matches

by Jazzysoon
Fri Sep 13, 2019 12:48 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 26
Views: 1615

Re: Best Triathlon Bike?

Orbea makes very nice bikes, if you are with a local tri/fitness clubs sometimes you can get discounts at local bike shop. At some price point most bikes are the same, what will make the most difference is getting a professional bike fit so your body is matched to get the most performance out of the...
by Jazzysoon
Thu Sep 05, 2019 10:58 pm
Forum: Investing - Theory, News & General
Topic: "The Callan Periodic Table of Investment Returns"
Replies: 33
Views: 3460

Re: "The Callan Periodic Table of Investment Returns"

Taylor, Thanks for posting the updated table. The way the data is shown in this graphic is SO Impactful. Makes it is hard to argue against a 3 fund portfolio (for someone trying to sell you managed funds with AUM model, because they know have a 'secret sauce' worth the AUM fee).
by Jazzysoon
Fri Aug 23, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Best time to purchase airline tickets to London
Replies: 26
Views: 1603

Re: Best time to purchase airline tickets to London

You might also want to factor in UK School Holidays. When they are on Summer Holiday it's prime time for families to travel, so Crowded, long lines.

https://www.schoolholidayseurope.eu/sch ... s-2020-uk/.
by Jazzysoon
Tue Aug 13, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: October in Minnesota
Replies: 37
Views: 2037

Re: October in Minnesota

+1 for the North Shore along Lake Superior, especially if you can hit the Fall Colours. Also, Stillwater, one of MN oldest towns rich with logging history is just 30min from St Paul/Mpls along beautiful St Croix River. Hudson is also a nice river town. If you have an afternoon for a drive, head sout...
by Jazzysoon
Tue Aug 13, 2019 10:54 pm
Forum: Investing - Theory, News & General
Topic: "Retirement Planning Is Complicated. Your Retirement Portfolio Shouldn't Be"
Replies: 40
Views: 3789

Re: "Retirement Planning Is Complicated. Your Retirement Portfolio Shouldn't Be"

I know it's inevitable but I hope Christine Never retires. Her Messaging is so succinct and always resonates with me.

Taylor - Thanks for posting this.
by Jazzysoon
Wed Jul 31, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3236

Re: Personal Trainer for Physical Balance

I agree with the suggestions of yoga. If you are close to a YMCA they have Many classes geared towards those above 50... And they also have Personal Trainers that specialize in issues facing older population, quality of trainers varies by location. IF you do have a Y and started attending some free ...
by Jazzysoon
Mon Jul 22, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Will Tall Fence Lessen Neighboring Dog Bark Noise?
Replies: 54
Views: 2942

Re: Will Tall Fence Lessen Neighboring Dog Bark Noise?

You don't mention how much business your customers will do outside, if it's just walk from car to building and go inside may not bother them too much, but if you have product outside and they are looking at it, I would be bothered as the barking sometimes makes conversations more difficult. Also, if...
by Jazzysoon
Thu Jul 18, 2019 1:53 pm
Forum: Investing - Theory, News & General
Topic: SERIOUS MONEY book is 20 years old this month
Replies: 13
Views: 1708

Re: SERIOUS MONEY book is 20 years old this month

Rick - Thanks for making this available & at a price to please most Bogleheads!
by Jazzysoon
Thu Jul 18, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Ameriprise Insurance selling to American Family Insurance - thoughts?
Replies: 3
Views: 287

Re: Ameriprise Insurance selling to American Family Insurance - thoughts?

I switched to American Family a number of years ago. They have a large presence where I live in Midwest. Rates seem comparable, office staff has always been very responsive. With my bundled Home/Auto policies, when I looked to add Umbrella ins, rate was great. I've also added extra ins ($25/yr) to c...
by Jazzysoon
Sun Jul 07, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Lightning strikes sailboat
Replies: 11
Views: 1955

Re: Lightening strikes sailboat

From https://www.boatingmag.com/gear/how-to-prepare-lightning-strikes/ There is no absolute protection against lightning aboard a boat. But there are steps you can take to avoid or minimize damage. The most likely targets are antennas, fishing rods, towers, T-tops or any elevated electrically conduc...
by Jazzysoon
Wed Jun 19, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: Recommend toaster
Replies: 27
Views: 1849

Re: Recommend toaster

I have a Waring 2 Slice toaster and it works Great! Bought it from local department store with nicer kitchen brands, had it for a few years now, works great-never an issue, defrost & bagel are nice options, (bagel setting also works if you want to toast some buns) http://www.waringpro.com/catalog.ph...
by Jazzysoon
Sat Jun 15, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4613

Re: Radon levels in home

You don't mention where you live or time of year of test. For example in the upper Midwest a test in winter on upper levels when windows are closed and not much outside airflow will be higher than spring/summer/fall with windows open. My county has test kits, if I were you I'd close up the house and...
by Jazzysoon
Sat Jun 15, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching a 4 Year old donating with quarters
Replies: 13
Views: 1249

Re: Teaching a 4 Year old donating with quarters

I think its very admirable you starting to install values of compassion at an early age to your 4yr old. What about setting aside quarters and going shopping towards Christmas time (if that works with your faith) and letting them pick out a donation to Toys for Tots? You should be able to do that an...
by Jazzysoon
Wed May 29, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17218

Re: Fun paid jobs after FIRE

I got a seasonal part time job at National Home Improvement chain with a great rep for quality in Garden Center. I have shopped there for years so sensed the culture and saw that people of similar age hired. I'm in my 2nd week and I LOVE it. I get to walk around and help people make their lawns/gard...
by Jazzysoon
Tue May 21, 2019 2:57 pm
Forum: Personal Investments
Topic: Moving an HSA from Optum to Vanguard
Replies: 11
Views: 752

Re: Moving an HSA from Optum to Vanguard

I moved my HSA from Optum Bank to Fidelity in Jan 2019. I created an account at Fidelity and they pulled the account over. I could not transfer in kind, S&P Index fund I had my HSA in at Optum had to be sold, and at least in Jan, Optum only would send paper check so out of market for 10+ days (of c...
by Jazzysoon
Tue May 21, 2019 10:08 am
Forum: Personal Investments
Topic: Moving an HSA from Optum to Vanguard
Replies: 11
Views: 752

Re: Moving an HSA from Optum to Vanguard

I moved my HSA from Optum Bank to Fidelity in Jan 2019. I created an account at Fidelity and they pulled the account over. I could not transfer in kind, S&P Index fund I had my HSA in at Optum had to be sold, and at least in Jan, Optum only would send paper check so out of market for 10+ days (of co...
by Jazzysoon
Thu May 16, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 6321

Re: Which car has the best or most comfortable cabin under 35K

You don't say if your longer commute is due to congestion or longer miles, but I'd also consider a high mileage car a requirement. I'd look at a pre-owned Volvo - Famous for their comfortable seats, and high mileage. I just did 1629 miles in 2 days and was happy to be sitting for that long in my Vol...
by Jazzysoon
Tue May 14, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 4180

Re: Instant Coffee?

I've had Nescafe single Serve packets in Ireland and UK and it was pretty good . https://www.nestleprofessional.us/tasters-choice/nescafe-tasters-choice-house-blend-single-serve-packets-80-ct-x-17-g I have a nice coffee maker at home and use Peets coffee, but if I want a super quick 1 cup later on i...
by Jazzysoon
Wed May 08, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 9376

Re: How do YOU make coffee?

Lot of replies to cleaning the French Press question I asked. Thank you. Well, my answer is I have no idea if grinds are bad for the plumbing and/or septic systems. I am on a septic so typically exercise much caution with anything that goes down the drain. Perhaps it doesn't matter and I am making ...
by Jazzysoon
Thu May 02, 2019 9:24 pm
Forum: Personal Investments
Topic: Should I go to a Fidelity Office to Set up Account?
Replies: 39
Views: 3012

Re: Should I go to a Fidelity Office to Set up Account?

I'd go into local office, that will give you a good sense of how it's run. I have accounts at both Vanguard and Fidelity. I like that I can go to local Fidelity office to do some things like a Medallion signature that I needed and also just recently while being a snowbird I dropped in local Fl offic...
by Jazzysoon
Sat Apr 27, 2019 1:34 pm
Forum: Investing - Theory, News & General
Topic: A good retirement
Replies: 4
Views: 1893

Re: A good retirement

Thanks for posting. I just listened to it, good discussion.
by Jazzysoon
Wed Apr 24, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 35
Views: 3529

Re: Teeth Whitening

I found the at home trays cumbersome and am using this toothpaste. It had great reviews and I do think it makes a difference. https://www.ulta.com/activated-charcoal-whitening-toothpaste?productId=pimprod2003910&sku=2542825&CPMID=CSBING&CAWELAID=330000200001720163&catargetid=330000200000867179&CADEV...
by Jazzysoon
Thu Apr 18, 2019 7:50 pm
Forum: Investing - Theory, News & General
Topic: Can 401k type retirement plans provide safe retirement income? - Thaler & Milevsky
Replies: 16
Views: 3015

Re: Can 401k type retirement plans provide safe retirement income? - Thaler & Milevsky

Bob,
Thanks for posting this, I did attend this morning. It's an interesting challenge and I found it very informative. I wonder if the new acronym GLIP will catch on :happy - I think the speaker made it up on the fly.
GLIP=Guaranteed Life Income Program.
by Jazzysoon
Tue Apr 09, 2019 1:02 pm
Forum: Personal Investments
Topic: Need to hire a financial advisor
Replies: 12
Views: 1601

Re: Need to hire a financial advisor

Does your mother want the convenience of a local office either to meet face to face, at least initially to build trust or to drop things off in person? I like that Fidelity has local offices and yesterday just dropped my 2018 HSA check at the local office. Last year I needed Medallion signature and ...
by Jazzysoon
Fri Apr 05, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Approx. cost of 2 new garage doors?
Replies: 14
Views: 1406

Re: Approx. cost of 2 new garage doors?

If you are planning on being in the house for awhile, buy the doors you fell in love with. Especially if your garage door is prominent in the front of the house. If you try to save a thousand or so, you'll regret it every time you drive up the driveway. And yes to the larger windows, if you do any w...
by Jazzysoon
Sat Mar 30, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Anyone looking to retire in FL?
Replies: 18
Views: 2374

Re: Anyone looking to retire in FL?

Like everything there are always pro's and con's and you need to decide what you can live with. I'm in South Sarasota for the first time renting to avoid Midwest winter. Weather is great, lots to do, beaches are not far away. But it's Snowbird season and very crowded, high rents and Traffic is horri...
by Jazzysoon
Wed Mar 27, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Withdrawal Request/SSA-1099 Question
Replies: 10
Views: 892

Re: Social Security Withdrawal Request/SSA-1099 Question

CountingDown2014 - You are right, we did get different letters, weird that it should be different for different people with same situation. Seems like you should be fine with keeping it all in 2018 with an explanation like you say to IRS. Good Luck.
by Jazzysoon
Wed Mar 27, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Withdrawal Request/SSA-1099 Question
Replies: 10
Views: 892

Re: Social Security Withdrawal Request/SSA-1099 Question

OP - I received the same 2 letters as your spouse. I was told that my first letter in Nov timeframe was a confirmation they received my request and a Re-REMINDER I had to pay it back if approved. My formal approval was not receive til next calendar year in March. For me they would not take a check f...
by Jazzysoon
Wed Mar 27, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Withdrawal Request/SSA-1099 Question
Replies: 10
Views: 892

Re: Social Security Withdrawal Request/SSA-1099 Question

OP - My timing was somewhat similar to yours and I filed my Withdrawal request in person at SS office. I was told 45 days for approval which in my case they said would pretty much be guaranteed. I didn't want it to cross tax years. In December with no final approval letter yet, twice I went to local...
by Jazzysoon
Mon Mar 25, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Ireland & Scotland Do I Need Cash?
Replies: 24
Views: 1848

Re: Ireland & Scotland Do I Need Cash?

I have always gotten some local currency (~200) before I left. Seems like I always arrived super early and Airport Currency Exchange not open, so I started carrying more to have on hand. You can research banks in the cities you will be for the ones that have best rates, and exchange at bank. I found...
by Jazzysoon
Tue Mar 19, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: Where to live: Santa Barbara area versus Palm Beach versus Sarasota?
Replies: 28
Views: 2649

Re: Where to live: Santa Barbara area versus Palm Beach versus Sarasota?

I think like any place you need to consider where you will be/can afford to live vs where you will be working. I've been to Santa Barbara, which I love and it's close to incredible cycling just north of there by Solvang. What are your hobbies/interests and how long will you be driving on weekends to...
by Jazzysoon
Mon Mar 18, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 61
Views: 4175

Re: Calling Volvo and Audi owners! Reliabilty questions

I've owned: 1994 Volvo 850 - 297k miles (got $1500 on trade in on pre-owned next car) 2003 Volvo V70 - 276k miles (got $1800 on trade in on preowned next car) 2008 Volvo XC70 -99k miles - Still driving I buy them a few years old with less than 45kmiles, used to drive 20k/year, with current car it's ...
by Jazzysoon
Sun Feb 24, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 76
Views: 6989

Re: Swimming, do you? Advice sought.

The fins strike me as cheating at this stage. What purpose do they serve you and what would they do for a beginner? Kicking technique and ankle strength, among other things. They create resistance, requiring you to kick more efficiently and improve tempo. They do make you go faster, and it used to ...
by Jazzysoon
Sun Feb 24, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 11603

Re: How did mylife.com get my info?

According to mylife, I don't exist. Makes me happy :happy . A few years back, I was irritated by the increasing number of data brokers (I was on their sites), so I spent some time removing myself from sites like spokeo, peoplefinder….... Process varied across them, one even required a letter via pos...
by Jazzysoon
Thu Feb 21, 2019 9:31 am
Forum: Personal Investments
Topic: Moving from EJ to Vanguard
Replies: 28
Views: 3324

Re: Moving from EJ to Vanguard

I did it. Sorry Edward Jones' guy... Congrat's! You won't regret it. I had a small portion with EJ and was so happy to transfer it out to Fidelity. With Fidelity (depending on where you live) you still have option to meet in person and depending on size of account can have dedicated person. And the...
by Jazzysoon
Fri Jan 25, 2019 7:45 pm
Forum: Personal Investments
Topic: PIMIX, income, cash, interest rates?
Replies: 65
Views: 7531

Re: PIMIX, income, cash, interest rates?

Vanguard is also 25k minimum for PIMIX.
by Jazzysoon
Fri Jan 25, 2019 6:17 pm
Forum: Personal Investments
Topic: PIMIX, income, cash, interest rates?
Replies: 65
Views: 7531

Re: PIMIX, income, cash, interest rates?

I own PIMIX in the fixedincome/"bond'y" portion of my portfolio. When researching it in early 2018 I did see some refer to some of their holdings as junk bonds, but as long as Daniel J. Ivascyn is managing it, I'm comfortable with it.
by Jazzysoon
Fri Jan 25, 2019 4:16 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Advisory Service
Replies: 17
Views: 1145

Re: Fidelity Advisory Service

Is your friend looking specifically for someone to manage his actual portfolio/investments or just want investment/retirement income advice? My work 401k is at Fidelity and I have Fidelity Premium Services with an assigned advisor I can meet with in person(no fee). I don't think my advisor is becaus...
by Jazzysoon
Mon Jan 21, 2019 10:32 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast growing audience
Replies: 24
Views: 3089

Re: "Bogleheads on Investing" podcast growing audience

Thanks Rick for these podcasts. I have found them to be very informative.
by Jazzysoon
Mon Jan 21, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Rental Car Insurance Ireland & Scotland?
Replies: 21
Views: 891

Re: Rental Car Insurance Ireland & Scotland?

+1 on checking with individual cc company. And remember in Ireland you are driving in Ireland and UK. When going to both countries, I've rented in Dublin then went to NI, seemed easier with rental companies when I went. I used AutoEurope (US based company) Other than the logistics of driving on othe...
by Jazzysoon
Wed Jan 16, 2019 10:31 pm
Forum: Investing - Theory, News & General
Topic: The Worth Of A Man: A Tribute To John C. Bogle
Replies: 45
Views: 6142

Re: The Worth Of A Man: A Tribute To John C. Bogle

Rick- wonderful tribute. Thanks for submitting it so quickly.
by Jazzysoon
Wed Jan 16, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 76
Views: 6989

Re: Swimming, do you? Advice sought.

I don't think anyone has brought this to your attention yet, so perhaps I'll be the first. Total Immersion Swimming is incredibly beautiful. Please look at this: https://www.youtube.com/watch?v=rJpFVvho0o4 I took the weekend workshop in San Mateo last year. It was the first time I ever really enjoy...
by Jazzysoon
Fri Jan 11, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Good bags/containers for packing snacks?
Replies: 17
Views: 1000

Re: Good bags/containers for packing snacks?

I like the Sistema products, keep dried fruit/nuts in them and never detect any smell. I like the closing/locking mechanism. They come in many sizes, I buy them at Marshalls/TJMaxx/HomeGoods. https://sistemaplastics.com/products/klip-it-rectangular/200ml-rectangle Do you find these to be leak proof...
by Jazzysoon
Thu Jan 10, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Good bags/containers for packing snacks?
Replies: 17
Views: 1000

Re: Good bags/containers for packing snacks?

I like the Sistema products, keep dried fruit/nuts in them and never detect any smell. I like the closing/locking mechanism. They come in many sizes, I buy them at Marshalls/TJMaxx/HomeGoods.

https://sistemaplastics.com/products/kl ... -rectangle
by Jazzysoon
Fri Jan 04, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4758

Re: Retirees: any major goals for 2019?

Retired in 2018. Now that I have more time I want to work towards becoming a Special Olympics Class A Volunteer - Assistant Swim Coach or Certified Assistant. Thought I could start while I'm overwintering in Sarasota, but swim season here is summer, so will start when I get back home. My retirement ...
by Jazzysoon
Fri Dec 28, 2018 4:32 pm
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 154
Views: 10684

Re: My favorite Boglehead posters

The above mentioned and David Jay- he's done some very detailed analysis for retirement income planning in some threads that I have found very useful for myself.
by Jazzysoon
Tue Dec 18, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: Tire damage question
Replies: 17
Views: 1223

Re: Tire damage question

I think a visual inspection would be necessary. I'd take it to either a good tire place (there is a great chain in my area), or a Prius dealer. It might ease your concerns if got a second opinion and have 2 places tell you you are ok. If still concerned but don't' want to replace tire, make sure spa...
by Jazzysoon
Tue Dec 18, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 6141

Re: Is Liquid Plumber / Draino bad for the pipes?

+ 1 with the previous poster re: caution with Septic systems, there are products that are safer for septic systems
by Jazzysoon
Mon Dec 17, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5778

Re: Gift Ideas for wife

Re: Cooking - Any cookware she might not splurge on for herself - eg Staub or Le Creuset cast iron? Or knives? Any cooking stores by you, Sur la Table has interesting classes, you could get certificate for 2 and she could go with relative, friend (or you).