Search found 506 matches

by praxis
Sat Oct 26, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 8034

Re: Humana Part D - ILLINOIS - premiums up up up

I called my insurance agent and she explained what is going on with Humana medicare drug supplement plan doubling in price. They changed some of their plans, and the one I was in was canceled. They automatically moved everyone whose plan was canceled into the premier plan which is the most expensiv...
by praxis
Sat Oct 26, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Spray on mold remover, for vinyl house siding?
Replies: 22
Views: 1596

Re: Spray on mold remover, for vinyl house siding?

I mix bleach with water and use a pump sprayer. I use a suitable respirator and gloves. +1 We live on the Gulf Coast. Mold grows everywhere. I use bleach full strength and have never had it discolor or degrade any surface or paint. I usually use a hand trigger sprayer. Sometimes just an old Windex ...
by praxis
Sat Oct 26, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 104
Views: 9772

Re: Do you plan to actually spend down your portfolio?

We've been retired for 15 years. Our annual cash flow ($100K) is the same now as it was 10 years ago. We tallied up our spending during a recent long drive and were surprised that even with a very different profile of expenses (eg. former kids' college costs now spent on travel) we spend the same. O...
by praxis
Fri Oct 25, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 8034

Re: Humana Part D - ILLINOIS - premiums up up up

Although I waited on hold for 1 hour with Humana to ask about my large increase in premiums, I used the time to read their website on Plan D options and saw that they were quoting me more plan than I needed to replace my previous Walmart Rx plan, which I've had for 5 years. I chose the new Walmart "...
by praxis
Wed Oct 23, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 44
Views: 5663

Re: Best insurer? Allstate vs chubb vs AAA or others

If you were in the military (or if you dad was), you are eligible for USAA insurance. They are Aaa rated by Moody's and AA+ rated by Standard & Poor's -- the highest ratings possible. USAA offers all the coverages you have mentioned. Their customer service is top notch. Several frequent posters on ...
by praxis
Tue Aug 27, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 121532

Re: What frugal thing did you do today?

Just drove 1200 miles alone over about 36 hours. I drive this route about 6 times a year but usually with DW and we have a regular halfway point and when traveling together, stay in a Holiday Inn Express for $84 and eat at a country restaurant for about $50. Been doing this for over 10 years. This t...
by praxis
Sat Jul 06, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?
Replies: 47
Views: 3498

Re: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?

Stabil is a fuel stabilizer. I believe it extends the storage life of my gas. I store a car and three ATVs each winter in the mountains for 7 months and use Stabil in full tanks of ethanol-containing unleaded gas. I also connect a trickle charger to each battery and add Stabil to all my gas cans. I...
by praxis
Fri Jul 05, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?
Replies: 47
Views: 3498

Re: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?

Stabil is a fuel stabilizer. I believe it extends the storage life of my gas. I store a car and three ATVs each winter in the mountains for 7 months and use Stabil in full tanks of ethanol-containing unleaded gas. I also connect a trickle charger to each battery and add Stabil to all my gas cans. I ...
by praxis
Fri Jul 05, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Have you cleaned your own carpets?
Replies: 26
Views: 2083

Re: Have you cleaned your own carpets?

We've been cleaning our own for 25 years. Here's some tips we've picked up. The first trial was a cleaning company called Chem Dry. They did a good job and left the carpets quite dry. Then we started renting a Thermax unit from one of their franchise stores. It was a compact unit with their name bra...
by praxis
Wed Jul 03, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 41
Views: 6468

Re: Purchasing Major Appliances from Costco

Costco did not send us to other stores. We have been in the market for a new stove for years and only lately had ramped up our search at our local appliance stores, Home Depot, Lowes, Best Buy, locals. DW passed the row of stoves during a Costco visit and texted the model's photo to me. We had a str...
by praxis
Wed Jul 03, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 41
Views: 6468

Re: Purchasing Major Appliances from Costco

We are very pleased with our recently purchased dual fuel stove that we bought at Costco after literally years of shopping at conventional and specialty appliance stores. Price, selection, service, delivery and performance were all "10". We chose an LG. Used their White Glove service, included in li...
by praxis
Tue May 07, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 10294

Re: How do YOU make coffee?

This year I made a commitment to treating myself to a better coffee experience while also eliminating the K-Cup waste. Current Process: 1. Mr. Coffee electric grinder. 2. Mellita pour over with the #4 paper filter. 3. Beans from Aldi's - Roast Master Medium Roast Guatemala Very satisfied with this ...
by praxis
Tue May 07, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 10294

Re: How do YOU make coffee?

Burr grind whole beans from Costco every morning. Electric kettle the water to boil and use a french press. Takes a few extra minutes but the taste is great and cost is right. +1 +2 +3 When Costco has 1 kilo bags of Ruta Maya Dark Roast for $14, I buy it, it's cheaper, but less fresh than ordering ...
by praxis
Thu Apr 18, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 62
Views: 4919

Re: Car Battery

Our plan has worked every winter for 10 years for 1 car and three 12 volt ATVs that we leave for 7 months each winter. We attach battery tenders that we buy at Walmart or AutoZone for $18. They are 1.5 amp trickle chargers. We don't have a Harbor Freight or I'd try the model another poster suggested...
by praxis
Thu Apr 18, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Dissuade me from buying art [Kauai]
Replies: 61
Views: 7549

Re: Dissuade me from buying art [Kauai]

What is it about vacations that inspire purchases that would never occur to one in normal life? We spent a week in Kauai last June and the galleries were full of gorgeous work. I settled on a silk batik shirt for $60. It's too flashy for home. I've not worn it since. Enjoy without regrets. Our home ...
by praxis
Sun Mar 31, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: How will you spend your retirement money?
Replies: 86
Views: 10485

Re: How will you spend your retirement money?

At 70, I've been retired for 14 years. My wife, 8 years. We discuss our lifestyle strategies all the time. We may change things going forward. Two sons with families live across the country from each other. We choose to spend time with them. Half of our travel budget is spent going to them or bringi...
by praxis
Sun Mar 31, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Shut off water before a vacation
Replies: 78
Views: 6672

Re: Shut off water before a vacation

Because my goldfish pond needs filling sometimes during a hot summer, I used to leave our main water valve open so my neighbor could stop over and top it off while we were gone for 4 months. Now I always close it. Stories are common about leaks and the damage. Some of the plumbing in our older house...
by praxis
Mon Mar 25, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: advice on a carpet cleaner
Replies: 14
Views: 1073

Re: advice on a carpet cleaner

We shampooed 6 rooms and a long hall using a Rug Doctor rented from Home Depot. They have a 4 hour price and a 24 hour price for rentals. They sell a non foaming detergent they recommend. The price for the rental was $22 and we had it back at the store in 3 hours from 3 miles away. It fit in our tru...
by praxis
Sat Mar 09, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 95
Views: 17774

Re: What are your personal experiences with downside of early retirement?

Nobody is truly "irreplaceable". Boy, did I learn that! It was my hardest retirement lesson but also the lesson that boosted me forward into embracing retirement. Removing career from life leaves a hole in the middle. How you fill that hole going forward determines how successful (happy) you are in...
by praxis
Thu Mar 07, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Where to find inexpensive unlocked phone
Replies: 56
Views: 4298

Re: Where to find inexpensive unlocked phone

You can get iPhone SE's unlocked from Apple directly. They are $249-$299 depending on storage configuration. https://www.apple.com/shop/refurbished/clearance -desiboy You can buy a refurbished iPhone SE model from Amazon or Walmart.com including free shipping for between $128 and $188. I am going t...
by praxis
Sat Mar 02, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 12193

Re: What do you pack for international vacation travel??

I do not do anything special when compare to domestic travel except I bring 1) travel adapter for plugs and 2) no fee ATM cards. +1 The advice that counsels against looking "too American", and saying to avoid jeans or running shoes or caps is pretty outdated. I've traveled internationally for busin...
by praxis
Mon Feb 25, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Thoreau Simplify
Replies: 64
Views: 7186

Re: Thoreau Simplify

Simple for me is doing what I choose. I believe that's what Thoreau thought about life. To keep my eye on my priorities, I make lists. I have lists still from 50 years ago that contain many of the same things as yesterday's. I realize that doing what I want is a luxury that financial security has br...
by praxis
Wed Feb 20, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 37
Views: 3298

Re: Car Rental in Mexico

When we went to Tulum we rented a car from the Cancun airport with a Mexican company, easyway: https://easywayrentacar.com/ Rental was easy and car was fine; rates were lower than with the big American companies. We enjoyed driving to Vallodilad, an interesting inland town, and the ruins at Coba. T...
by praxis
Mon Feb 04, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Concerned about Alzheimers, how do you plan for LTC?
Replies: 80
Views: 5935

Re: Concerned about Alzheimers, how do you plan for LTC?

Two in care facilities for long periods of time is not common. Actually it can happen but usually not at the same time. I suppose that makes the situation even worse, as the home has to be maintained for at least one of those stays. I also think $2-3 million and you take your chances. In any case I...
by praxis
Sun Feb 03, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Concerned about Alzheimers, how do you plan for LTC?
Replies: 80
Views: 5935

Re: Concerned about Alzheimers, how do you plan for LTC?

If the patient lives 20 years with a condition that requires expensive care where the patient's quality of life is seriously compromised and the care has used up the family savings, what are the options? My wife (a physician) and I (a 20 year hospice volunteer), have repeatedly confirmed that we wi...
by praxis
Sun Feb 03, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Concerned about Alzheimers, how do you plan for LTC?
Replies: 80
Views: 5935

Re: Concerned about Alzheimers, how do you plan for LTC?

If the patient lives 20 years with a condition that requires expensive care where the patient's quality of life is seriously compromised and the care has used up the family savings, what are the options? My wife (a physician) and I (a 20 year hospice volunteer), have repeatedly confirmed that we wil...
by praxis
Tue Jan 22, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 15224

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

If your clothes have "shrunk" in storage, and you'd like to upgrade your Columbia travel clothes, I recommend you consider Sportif tropical weight blend pants if you want light weight, no wrinkle, traditional cut (not real tight legs). The model on this link https://www.sportif.com/sportif-s-calcutt...
by praxis
Sat Jan 19, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 909
Views: 169963

Re:

XtremeSki2001 wrote:
Wed Feb 09, 2011 9:11 pm
Keim wrote:Homebrewing: Indexing for beer snobs. 8)
How did you learn?
I used to brew beer in the basement in college. My friends liked my results. It was not difficult at all.
I concluded making tasty beer at home was much easier than making drinkable wine.
by praxis
Thu Jan 17, 2019 10:31 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57756

Re: John Bogle has died at age 89

What a legacy he leaves Thank you, sir. His rules: Select low-cost funds Consider carefully the added costs of advice Do not overrate past fund performance Use past performance to determine consistency and risk Beware of stars (as in, star mutual fund managers) Beware of asset size Don't own too man...
by praxis
Wed Jan 16, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: In the market for a new dryer
Replies: 20
Views: 1500

Re: In the market for a new dryer

We had a gas connection to our laundry room so the last electric dryer we replaced with gas. It has worked for us for over 15 years. It was recommended by our faithful repairman. It's a Whirlpool with analog dials. He also recommended we check all bottlenecks in the vent ducts regularly for lint bui...
by praxis
Wed Jan 16, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 8492

Re: Gillette Mach 3 alternatives

I've tried many also. I read some reviews and Bic 3 blade flexible head was #1 so I bought a pack. They were ok. My problem is getting a close shave without scraping my skin and bleeding on my pillow. I shave in the shower before bed. I concluded after years of cycling through brands that Schick 2 b...
by praxis
Mon Jan 14, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 5656

Re: How do I stop jeans from ripping in the thighs?

If the rest of the jeans are still in good/great shape, I’d mend them for modesty and keep wearing them. Some denim scraps from hemming or an old garment/jeans should give you lots of material to work with. If you do a decent job, the pants should remain comfortable with the repairs barely visible ...
by praxis
Mon Jan 14, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 5656

Re: How do I stop jeans from ripping in the thighs?

If the rest of the jeans are still in good/great shape, I’d mend them for modesty and keep wearing them. Some denim scraps from hemming or an old garment/jeans should give you lots of material to work with. If you do a decent job, the pants should remain comfortable with the repairs barely visible ...
by praxis
Mon Jan 14, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 4489

Re: Duffel Bag vs Wheeled Stand Up traveling

We travel VERY light and I like to have my hands free so I prefer travel backpacks. When we travel internationally my husband and I both use one of these as our only carry-on: https://store.ricksteves.com/shop/p/classic-backpack We used that pack for even 2 week international trips, we just did a l...
by praxis
Sat Dec 22, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 10723

Re: When did the musicians on the titanic realize their fate?

Bogleheads: I am in retirement. Money that I cannot afford to lose is in reasonably safe Total Bond Market Index Fund; the rest of my savings are in a 500 index fund. Result: No worry about the stock market. If I could start over, I would own The Three-Fund Portfolio. Happy Holiday! Taylor Happy Ho...
by praxis
Sat Dec 15, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 121532

Re: What frugal thing did you do today?

Hopefully get a used Ikea couch from Craigslist for around $250 instead of $600 or even more for the better brands. I won’t buy used furniture due to risk of bedbug infestation. Only new for me. would a thorough spraying and airing in the sun not solve this? No. Pesticides aren’t super effective ag...
by praxis
Fri Dec 14, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 121532

Re: What frugal thing did you do today?

Nicolas wrote:
Sun Dec 09, 2018 2:30 pm
mindgap wrote:
Sun Dec 09, 2018 12:23 pm
Hopefully get a used Ikea couch from Craigslist for around $250 instead of $600 or even more for the better brands.
I won’t buy used furniture due to risk of bedbug infestation. Only new for me.
would a thorough spraying and airing in the sun not solve this?
by praxis
Fri Dec 14, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 80
Views: 6125

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

When I shop for toilet paper, I use the calculator on my cell phone and compare price divided by square feet (or square meters). I'm may be slightly brand loyal I have found that the confusing marketing allows the grocery stores to have strange pricing -- it's not always cheaper buying in bulk. We ...
by praxis
Fri Dec 14, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 21889

Re: Favorite Purchase of 2018?

Paying off the mortgage on our log cabin in the Rockies
by praxis
Fri Dec 14, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: How to learn a second language
Replies: 128
Views: 16443

Re: How to learn a second language

I learned Spanish in-country in the Peace Corps. Our whole team of 13 volunteers passed the oral diplomatic corps proficiency test scoring a 3.5 out of 5 after 14 weeks of 8-hour/day one-on-one instruction by a local native speaking teacher while living alone with a local family. The test we took ra...
by praxis
Thu Nov 29, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2818

Re: Guy's Western US Ski Trip - suggestions?

You can rent a mountain-ready van with ski rack at Denver airport and in under two hours be in Summit County anywhere (Copper, Breck, Keystone, Vail, Winter Park, Beaver Creek). Lodging, apr'es ski, great food and party bars are everywhere. We have stayed slope-side at almost every one of these reso...
by praxis
Fri Nov 09, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 11804

Re: Favorite "free stuff"?

Definitely e-books from the public library. It's true, as was pointed out, that you pay for the service with taxes. But it's the same cost whether you use the library or not, so it's free in that sense. I have downloaded some free books from Amazon as well. These are generally the first in a series...
by praxis
Wed Oct 31, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Tire rotation - low mileage car
Replies: 36
Views: 2068

Re: Tire rotation - low mileage car

Two of our cars have Cooper tires bought from a local store that includes lifetime rotation. I've been following their 5K guidelines. Last visit I asked the owner about rotation. He said it can almost double the life of your tires. When I sounded skeptical, he said that he'd held the contract with t...
by praxis
Sat Oct 27, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Indoor Play toys for toddler
Replies: 31
Views: 1957

Re: Indoor Play toys for toddler

We had one of those pop up tunnels that broke down flat and could be stored under the couch. Combine that tunnel with pillow forts or trucks or dolls or hide and seek. I always liked it because it disappeared when not in use. I'm shopping for a pop up play tent for our grandchildren like the one we...
by praxis
Sat Oct 27, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7704

Re: How many miles (total) on car before buying another car ?

Soup Nazi wrote:
Sat Oct 27, 2018 2:21 am
My 2004 Toyota Highlander has 312K miles on it and I'm currently in the middle of a 5000 mile road trip. Drove to Alaska and back when it had 275K miles and I wasn't worried at all.
That's impressive. What do you do to maintain that reliability?
by praxis
Sat Oct 27, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 5374

Re: What Memberships/Subscriptions Are Most Valuable To You?

1 Bogleheads 2 gym 3 sirius (cross country and radio station-free mountain driving) 4 overdrive and libby (public libraries' free ebook lending service, nationwide) 5 Kindle Buffet (daily email with today's free Amazon kindle offerings) 6 netflix and/or prime for movies 7 internet 8 lawn service 9 f...
by praxis
Sat Oct 27, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Sell land at a loss or keep?
Replies: 38
Views: 3107

Re: Sell land at a loss or keep?

Sell. Invest the 50K in an index fund. You'll likely have your initial $100K back in 10-12 years.
by praxis
Mon Oct 22, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 28088

Re: PSA: Don't buy a big house

http://www.notsobighouse.com/

A Mpls. architect, Sarah Susanka, has explored what makes a place feel like home.

I enjoyed the books and her website. I used some ideas building our cabin.
by praxis
Sun Oct 21, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1810

Re: First RMD is due last day of year

BL... [quote= After age ~59.5, you are allowed to withdraw any amount and simply pay the tax. Please explain. Thanks I think what is meant is that before age 59.5, although there are no RMD's yet, IF you want access to your IRA money, you'd have to pay the regular income tax PLUS a fee of (I think)...