Search found 439 matches

by praxis
Wed Aug 01, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 96
Views: 8782

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

I've lived in both cities and have read your comments carefully. I recommend Minneapolis for you. Both cities are wonderful places to live. 1 hour difference to your cabin is not a big reason. Rumors about MN Nice is not a reason to choose Madison over MSP. I found people in both places to be friend...
by praxis
Wed Aug 01, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3217

Re: What’s your Value Colombian coffee?

I think fresh Colombian is my standard by which I judge flavor. There's a blend of buttery, smooth body with cocoa top notes that I love. But so much stale Colombian being sold has turned me away. I used to travel to Colombia four or five times a year and always brought back coffee. My other favorit...
by praxis
Sat Jul 28, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: LTC strategy: make health your hobby
Replies: 38
Views: 2996

LTC strategy: make health your hobby

I'm soon to be 70 and am considering LTC costs and am reading a BH thread about self insuring where a poster said his parents (in their 80's) had improved their quality of life and decreased the risk of using up their savings in LTC by adopting a strong, health-focused lifestyle upon retirement and ...
by praxis
Wed Jul 25, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3205

Re: Intermittent Fasting

JoMoney wrote:
Wed Jul 25, 2018 4:57 pm
I will from time to time go into bouts of fasting from breakfast to breakfast... I eat breakfast everyday, some days I will skip the other meals.
"What people choose for breakfast says more about them than any other food choices they make." Julie Child

What do you eat for this important choice?
by praxis
Wed Jul 25, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Giving money to adult kids
Replies: 23
Views: 3812

Re: Giving money to adult kids

GuyInFL wrote:
Sun Jul 22, 2018 9:22 pm
What about a Single Payment Immediate Annuity?
+1
by praxis
Wed Jul 25, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3205

Re: Intermittent Fasting

I'm not fat, but I wanted to lose 10 lbs. I couldn't find a diet that did that until I went from 7pm dinner to next day 1pm fasting. I do drink a large coffee in the morning. My lunch is a large homemade protein shake of about 300 calories. Then I eat dinner of a protein and a vegetable and a large ...
by praxis
Tue Jul 24, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Galapagos Islands
Replies: 30
Views: 6215

Re: Galapagos Islands

For homework, I read several guidebooks and My Father's Island and Beak of the Finch. They gave me helpful background and I enjoyed them
by praxis
Tue Jul 24, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Galapagos Islands
Replies: 30
Views: 6215

Re: Galapagos Islands

https://www.naturalistjourneys.com/?utm_source=Galapagos+x3&utm_campaign=Galapagos+x3&utm_medium=email Naturalist Journeys was our tour company. Our particular trip included a week in the Ecuador mountains and a week on a 20 passenger/10 stateroom power yacht with excellent chef and crew including d...
by praxis
Tue Jul 17, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9743

Re: Why own a bed?

For years I slept on the floor on a mattress. I liked the firmness it provided, but in my aged stiffness, it's too much easier to roll out standing up now. We have an ancient queen-sized Beautyrest mattress/box set at home that we have modified with a sheet of plywood between them and it was perfect...
by praxis
Tue Jul 17, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 3114

Re: Wills

Here are some considerations that may or may not apply to you. If your estate is large or your financial matters are significantly complex, you may want a firm that has attorneys with tax expertise. We targeted finding a firm is large enough and have enough depth to provide continuity down the road...
by praxis
Tue Jul 17, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10180

Re: Amazon Prime Day 2018

FWIW, I didn't see much that interested me. I did buy a couple of Amazon Dots for additional coverage in our casa. That's it, though. BTW, if you have a reader, Prime members can download all six "early reads", instead of the normal offer of one out of six. So I have more eBooks to read. These free...
by praxis
Tue Jul 17, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13146

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Several years ago as we packed for an overseas trip, she asked me to leave instructions for our two grown sons in case we don't return. This led to refreshed wills, an updated written list of accounts and passwords and brief instructions all in duplicate. One in our fire safe and one in my (highly ...
by praxis
Tue Jul 17, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13146

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Over almost 30 years of regularly reviewing our finances, DW has become more interested in investment decisions. It used to help her go to sleep when I talked about it. Now she stays awake and asks good questions. She has always been impressed with how much our accounts increase from our long term (...
by praxis
Sat Jun 16, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 61
Views: 5220

Re: Chipmunk problem

We have 12 years experience. These fellas are so cute when they show up. But as they gorge on birdseed and our flower garden , they procreate and become a yard full of striped rats. They are pests in our yard. They are always into mischief like stripping wires and chewing up things to make nests. W...
by praxis
Fri Jun 15, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 61
Views: 5220

Re: Chipmunk problem

We have 12 years experience. These fellas are so cute when they show up. But as they gorge on birdseed and our flower garden, they procreate and become a yard full of striped rats. They are pests in our yard. They are always into mischief like stripping wires and chewing up things to make nests. We ...
by praxis
Fri Jun 15, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5236

Re: How do you celebrate (potty trained kid) milestone with your spouse?

We don't celebrate many milestones anymore. We are retired empty nesters and just don't make a big deal out of them. It's time to start and this thread inspires me. Any nice surprise qualifies. Certainly those who've either never potty trained a kid or can't remember such huge progress wouldn't unde...
by praxis
Fri Jun 15, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4802

Re: Water heater installation situation

Glad everything's going to be done correctly and brought up to code. Might be a good idea to also install an overflow catch drain pan beneath the heater if there is a handy drain to tap into nearby, perhaps an HVAC condensate drain line, etc. j Boy is this ever good advice. Yesterday, I got a call ...
by praxis
Fri Jun 15, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Charles Schwab account
Replies: 26
Views: 3127

Re: Vanguard or Charles Schwab account

I have an account at each. I was in the process of moving assets to the Vanguard account, when their customer service drove me crazy with a transfer hung up for weeks, so I took the remaining assets to the local Schwab office. No question, Schwab's customer service is much much better than Vanguard...
by praxis
Fri Jun 15, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17900

Re: Life in retirement - what did you do today?

quote=2015 post_id=3968664 time=1528760751 user_id=51323] We face more death than when we were younger, but we also have more wisdom to weave its horror and lessons into our lives and continue following our personal missions. Be well, Victoria Great thought, V. 18 years ago, I took hospice voluntee...
by praxis
Thu Jun 14, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17900

Re: Life in retirement - what did you do today?

Free for 13 years. 69 next month Made coffee for us at 5 am Did workout at 6 am Watered garden Repaired cattle fence Checked water pump in trout pond Repaired both guest room shower rods Reviewed water regulation report for neighborhood Helped neighbor with deck Discussed broken water heater strateg...
by praxis
Mon Jun 04, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3133

Re: Helping son buy a house

Keep it simple. Gift him some downpayment money and let him borrow it from the bank. I don't know your son. We gifted our son (same age) the down payment for his first house. Within a year he got married, sold the house and moved. It was not a wise financial decision in my opinion but I kept quiet ...
by praxis
Sun Jun 03, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4277

Re: steel cut oats in bulk

This is off-topic but does not deserve its own thread. Normally, I avoid carbohydrates and thus I avoid grains. But as an experiment, I have purchased some steel-cut oats at Whole Foods, from a bulk bin where I could get a small quantity at a good price. I then surfed the web for advice on eating u...
by praxis
Sun Jun 03, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3133

Re: Helping son buy a house

Keep it simple. Gift him some downpayment money and let him borrow it from the bank. I don't know your son. We gifted our son (same age) the down payment for his first house. Within a year he got married, sold the house and moved. It was not a wise financial decision in my opinion but I kept quiet ...
by praxis
Sun Jun 03, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8938

Re: is Having more and needing less normal?

I've had a regular experience for years. When the clothing muse pays me one of her rare visits and I find myself in a clothing store dressing room with most of my clothes off, I bravely face the mirror and recommit to my daily gym visits and conclude that they do more for my appearance than a new sh...
by praxis
Tue May 15, 2018 5:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 10986

Re: Yes, I'm 89 all right! [Jack Bogle]

Mr. B, you've given the gift of financial security to legions of fans. What a wonderful legacy. What a great guy and a nice person. Thank you.
by praxis
Tue May 15, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 5903

Re: Advice on building a timeless mens wardrobe?

Give up on the notion of timeless. Plan on items lasting 3-8 years. Styles and body types change and items get worn out. This thread shows how subjective taste is between people. And my opinion is that men's styles have not changed very much in a long time. I worked in upscale clothing stores part ...
by praxis
Sat May 12, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 5903

Re: Advice on building a timeless mens wardrobe?

A few dark suits (two would suffice) A navy blue blazer Khakis (tan/beige, navy blue) Long-sleeve button-down dress shirts (white/sky blue mostly) Neck ties (conservative colors; go easy on the patterns) Short-sleeve polos (conservative colors; go easy on the patterns) Dress socks (black/grey, navy...
by praxis
Sat May 12, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 319
Views: 26701

Re: Lucrative careers?

OP, You do not need your career to be lucrative in order to be rich. In fact, even if your career is lucrative, you still might be poor. It is not the income. It is how much you save and invest. Regardless of how much you earn, if you can save and invest 1 year of your expense every year. You will ...
by praxis
Sun Apr 29, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Kitchen Faucet & Sink recommendations?
Replies: 55
Views: 5653

Re: Kitchen Faucet & Sink recommendations?

We bought a Franke SS 2 basin for our cabin and put in Delta one control faucet with sprayer. We liked it so well after 10 years we added one to our home. Both were very affordable at Lowes and the metal has been very durable in the sink and the faucet has not leaked. Easy to clean.
by praxis
Thu Apr 19, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 6044

Re: [When is going out to a restaurant worth it to you?]

We both love to cook. Being retired we have all the time we need to use if we choose to cook. We often plan tonight's dinners in the morning over our coffee. But we love to eat out in our hometown that is on the coast and has many great local seafood restaurants. Both of us worked in restaurants dur...
by praxis
Thu Apr 19, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Your Money Or Your Life
Replies: 49
Views: 7187

Re: Your Money Or Your Life

I shaped my early financial path reading Your Money Or Your Life, Charles Givens, Howard Ruff, Mark Skousen, Archie Richards and others in the 70's and 80's. Many of their suggestions are outdated, but I give them credit for guiding me well before I had my feet on the ground with their conservative ...
by praxis
Tue Apr 10, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40280

Re: Name something you bought that wasn't cheap and glad you did

fishandgolf wrote:
Tue Apr 10, 2018 5:57 pm
Log home in the woods........lot's of work but.........we enjoy every minute .....especially during the winter snow falls..... :sharebeer
+1
by praxis
Tue Apr 10, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 16241

Re: Parents have zero savings. What can I do?

alpenglow wrote:
Sat Apr 07, 2018 5:14 pm
livesoft wrote:
Sat Apr 07, 2018 12:23 pm
You can tell them:

Not my monkeys, not my circus.

Or buy them the T-shirt.
This is why Bogleheads needs upvotes.
+1
by praxis
Mon Apr 09, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 9344

Re: Regrets of the frugal and dying?

Mr. Landry was my patient. He had terminal liver cancer and a bird feeder outside his window. His nurse filled the feeder with seed mix each day after she gave him his bath, and on good days, he stayed awake for a while as his “regulars” visited the feeder for lunch. His favorite was a bright red ma...
by praxis
Fri Apr 06, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: help! I want to treat heirs equally
Replies: 38
Views: 5598

Re: help! I want to treat heirs equally

"Fair isn't always equal".
by praxis
Sun Mar 18, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Best places to buy board shorts and sunglasses
Replies: 13
Views: 1297

Re: Best places to buy board shorts and sunglasses

I like Oakley. I've heard nothing but good things about Maui Jim. At the upper end, Luxottica has a quasi-monopoly on sunglasses. Costa Del Mar is what you see most fisherman wearing. I mostly hang out with fishermen, so I see a lot of Costa's. I wouldn't have anything else. $1-200 bucks will get y...
by praxis
Thu Mar 08, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Best Colorado Skiing
Replies: 26
Views: 1997

Re: Best Colorado Skiing

What is your favorite skiing area in Colorado? I've heard good things about Breckenridge, Copper, and Keystone. Over a lifetime of skiing, I've experienced most of the Colorado resorts. I like to say I've loved every run. Even the challenging ones. Everyone skis their own mountain. That is clear re...
by praxis
Tue Feb 27, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: paying for child's college tuition - does it count towards the limit for gift tax?
Replies: 40
Views: 3153

Re: paying for child's college tuition - does it count towards the limit for gift tax?

No, it does not. The gift tax does not apply to an amount you paid on behalf of an individual to a qualifying domestic or foreign educational organization as tuition for the education or training of the individual. Yes it does, unless it’s paid directly to the institution. Gill We have helped our s...
by praxis
Tue Feb 27, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: paying for child's college tuition - does it count towards the limit for gift tax?
Replies: 40
Views: 3153

Re: paying for child's college tuition - does it count towards the limit for gift tax?

No, it does not. The gift tax does not apply to an amount you paid on behalf of an individual to a qualifying domestic or foreign educational organization as tuition for the education or training of the individual. Yes it does, unless it’s paid directly to the institution. Gill We have helped our s...
by praxis
Tue Feb 27, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: paying for child's college tuition - does it count towards the limit for gift tax?
Replies: 40
Views: 3153

Re: paying for child's college tuition - does it count towards the limit for gift tax?

No, it does not. The gift tax does not apply to an amount you paid on behalf of an individual to a qualifying domestic or foreign educational organization as tuition for the education or training of the individual. Yes it does, unless it’s paid directly to the institution. Gill We have helped our s...
by praxis
Mon Feb 12, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 7329

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

I was pricing a Na Pali boat tour yesterday for our June Hawaii trip and the price was higher for the summer months because it was during their "high season". I would think Hawaii's high season was the winter months.
by praxis
Mon Feb 12, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Birding binoculars under $500?
Replies: 21
Views: 1326

Re: Birding binoculars under $500?

https://www.allaboutbirds.org/six-steps-to-choosing-a-pair-of-binoculars-youll-love/#_ga=2.69348696.976060334.1518451249-948471742.1518451249 Here's a link for Cornell's tips on buying birding binoculars. Their website is full of birding knowledge. Cornell University's Ornithology Lab is known world...
by praxis
Mon Feb 12, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 8423

Re: I’m not renewing my Costco membership.

We don't shop at Costco much. The quantities products come in don't justify the lower price per unit for us as a modest-consuming couple. But this month I receive our $300. check from using our Costco Visa cash back card for gas and groceries at other stores. That's a good cash back deal compared to...
by praxis
Sun Feb 11, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 113
Views: 7693

Re: Suggest coffee maker please

I believe in the power of simplicity. French press. Whole beans from good roaster (I get Colorado roasts from Whole Foods) which grind each morning. You can play with amount of coffee beans until you get desired strength. And the grounds make great fertilizer for Vanda orchids outside. Good luck. I...
by praxis
Mon Feb 05, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 121
Views: 12071

Re: Tips on Buying a Class-B RV

As Sandtrap and others have mentioned, B's usually have low clearance. No problem on roads, but my brother sold his after 6 months because it couldn't handle the back roads they like to use to get to their favorite camping spots. They were convinced after a trip last summer to Glacier and Banff and ...
by praxis
Mon Feb 05, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Internet Speed 15Mbps okay ?
Replies: 27
Views: 2416

Re: Internet Speed 15Mbps okay ?

We stream Netflix with 15Mbps with intermittent results. As long as our provider delivers 15 we're ok. But a simple speed test shows that we rarely get what we pay for. In our very remote area, this is the fastest speed available. In our experience, we have rarely received a signal that fast. If the...
by praxis
Thu Feb 01, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off future DIL's school loans?
Replies: 28
Views: 1869

Re: Pay off future DIL's school loans?

tough scenario because their and her decision will be based current cash flow. Moving to new location, means new expenses and challenges beyond just money. Yes, their decision will be based on current cash flow. I think you've hit on my concern. By helping them/her now, will I encourage them/her to...
by praxis
Thu Feb 01, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Trex Decking Without Fascia
Replies: 27
Views: 2065

Re: Trex Decking Without Fascia

Composite wood costs 3x what cedar does. Cedar lasts much longer than pine. But composite seems to last forever and appearance doesn't deteriorate. We have had a (painted) cedar fence still fine after 25 years on the humid Gulf Coast. And we have a knock-off brand (not Trex) composite deck/porch st...
by praxis
Thu Feb 01, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Pay off future DIL's school loans?
Replies: 28
Views: 1869

Pay off future DIL's school loans?

Our son graduates in 3 months with a DPT (physical therapy) and accepted a good job at one of the clinics where he did an 8 week practical that is across the country. His fiancé has an Sociology degree and $50K in loans. They will move there together and she is worried about pursuing an advanced deg...