Search found 548 matches

by praxis
Wed Jul 29, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 104
Views: 11540

Re: Middle of Nowhere Retirement

What is your list of the 10 priorities for what you need where you retire? What does "middle of nowhere" look like to you? How many miles away from town would you be willing to live year 'round? Or could you maintain two residences for a time? Is "good health care" important enough for you to limit ...
by praxis
Fri Jul 24, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Troubleshoot leak under kitchen sink
Replies: 20
Views: 1113

Re: Troubleshoot leak under kitchen sink

Of course I don't know what causes your leak, but I'll tell you what we found a few weeks ago. Our kitchen sink was plumbed with copper tubing from under the faucets down to the shut off valves. We had trouble but finally found a slight oozing coming from one of the threaded brass connections in the...
by praxis
Wed Jul 22, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 251
Views: 26778

Re: What surprised you the most once you retired?

Reaching financial security allowed my wife and I to retire comfortably 15 years ago and we are grateful for the freedom from stress about money matters. I'm surprised how central this gratitude is in my life. And I am sad during the Covid pandemic for the small business owners and families who have...
by praxis
Tue Jul 21, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 112
Views: 11916

Re: what is your weekly workout routine?

I miss the weight classes at my club during quarantine. I have worked up to a 15 minute calisthenic routine and repeat it each morning at home. I already had a 40 lb barbell, two 20 lb dumb bells and a Bosu ball. I start with 15-20 pull ups and move quickly into 60 full jumping jacks 30 fast deep pu...
by praxis
Tue Jul 14, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: Getting rid of a bat!!!
Replies: 25
Views: 1523

Re: Getting rid of a bat!!!

I've had fun catching them indoors on occasion (towels are very effective). Then the trick is to figure out where they got in before releasing outside or they may come back (as was the case at our friend's lovely second home in the woods). There is nothing quite like being awakened by puzzling air ...
by praxis
Thu Jul 02, 2020 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I send my Qualified Charitable Distribution to a charity]?
Replies: 41
Views: 2343

Re: [How do I send my Qualified Charitable Distribution to a charity]?

If our current situation doesn't allow us to itemize deductions, using a QCD from my IRA for our various donations saves the amount in taxes that we would save if we could itemize? Am I correct? Or do the QCD's count fully as part of the taxable distribution?
by praxis
Thu Jul 02, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 148544

Re: Pull-ups and Push-ups

I can do 15 to 20 pull ups each morning. I think if I use some of these training ideas, I can work up higher. I miss the weight classes at my club during quarantine. I have worked up to a 15 minute calisthenic routine and repeat it each morning at home. I already had a 40 lb barbell, two 20 lb dumb ...
by praxis
Thu Jul 02, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 16656

Re: What is the best financial decision you ever made?

Learning a second language Becoming fluent in Spanish during my time in the Peace Corps led me to my career traveling Latin America for a US manufacturer for 30 years. I could have gone from college into career, but chose to work for $130/month as a volunteer instead. That was a good investment. And...
by praxis
Sun Jun 14, 2020 10:57 pm
Forum: Investing - Theory, News & General
Topic: The Worst Worst Case
Replies: 4
Views: 1754

Re: The Worst Worst Case

https://www.theatlantic.com/magazine/archive/2020/07/coronavirus-banks-collapse/612247/ Many Mutual Funds and ETFs own risky investments called CLOs, collateralized loan obligations or cheap corporate debt. Kind of similar to the CDOs or collateralized debt obligations in the last recession that we...
by praxis
Sun Jun 14, 2020 4:00 pm
Forum: Investing - Theory, News & General
Topic: The Worst Worst Case
Replies: 4
Views: 1754

The Worst Worst Case

https://www.theatlantic.com/magazine/archive/2020/07/coronavirus-banks-collapse/612247/ Many Mutual Funds and ETFs own risky investments called CLOs, collateralized loan obligations or cheap corporate debt. Kind of similar to the CDOs or collateralized debt obligations in the last recession that wer...
by praxis
Wed Jun 10, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 15843

Re: Coronavirus Flight Cancel Thread

Although the US-Canada border is closed to highway/foot traffic except for local work commutes or immediate family visits, the Canada consulate reports that business air travel has not been restricted.
by praxis
Wed Jun 10, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 15843

Re: Coronavirus Flight Cancel Thread

Today I cancelled an American Vacations Paris paid-in-full reservation for Sept. 7 2020. Thankfully I had purchased their pre-departure waiver insurance and after deducting the $258 premium for both of us, AA Vacations refunded back to our original form of payment. The agent said expect the credit i...
by praxis
Mon Jun 01, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: FL Snowbirds with Second Homes - Give Me Pros/Cons of Owning Our Own vs Renting Seasonal
Replies: 80
Views: 7862

Re: FL Snowbirds with Second Homes - Give Me Pros/Cons of Owning Our Own vs Renting Seasonal

Do people even consider how many places they can travel for the price of purchasing a vacation home and the upkeep associated with it? That was the very question DW asked 15 years ago. When we considered the $250K we were planning to spend on a cabin in Colorado, we asked if we'd be happier spendin...
by praxis
Tue May 26, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19295

Re: Pandemic buys that have improved quality of life?

We painted the rooms and halls in the back of our house in early March. We had dark, grass-cloth-covered walls and after removing the paper and floating and painting walls and all trim and moulding a very light soft green, it's a new house. As things closed in, we went ahead and tore out the carpet ...
by praxis
Fri May 22, 2020 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: family cabin planning through generations
Replies: 26
Views: 4855

Re: family cabin planning through generations

https://www.amazon.com/Saving-Family-Cottage-Succession-Planning/dp/141331841X/ref=sr_1_8?dchild=1&keywords=leaving+cabin&qid=1590168173&s=books&sr=1-8 This is a common question. The answer depends on the family. My parents searched for an answer to smoothly leave their cabin to their four kids and...
by praxis
Sat May 16, 2020 4:33 pm
Forum: Personal Consumer Issues
Topic: Anyone booking flights for 2021 travel?
Replies: 68
Views: 5498

Re: Anyone booking flights for 2021 travel?

We are holding refundable tickets for a tour in France this September 2020. If the tour cancels, we will decide whether to rebook same dates for 2021. If the tour cancels, we will ask for a refund on the air portion and the hotels for the days we had planned to extend. I seriously doubt if this tour...
by praxis
Sat May 16, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Is anyone on the road?
Replies: 35
Views: 4136

Re: Is anyone on the road?

Don't drive a car on a trip. You might get in an accident diverting medical resources overwhelming the healthcare system. Also don't take a walk or you might step on a crack and break your mother's back and overwhelm the healthcare system. I agree that the advice makes little sense. Might as well a...
by praxis
Thu May 14, 2020 3:16 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 148544

Re: Pull-ups and Push-ups

Following. I've got pushups nailed. Can't do any pull ups. Any pointers on how to start and build up? I've read just to hang, also to build up muscles flexing while hanging. I have a climbing harness with counter weights, gonna give those a try, but even with the counter weights can hardly pull up ...
by praxis
Thu Apr 23, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: Fence Paint Peeling
Replies: 26
Views: 1730

Re: Fence Paint Peeling

One coat of light moss green color latex semi gloss paint on cedar pickets lasted 25 years without another coat. About a year ago we tore it down, used the same galvanized posts and put up a new cedar fence with new stringers and pickets. Then last spring we put on one coat of latex semi gloss using...
by praxis
Tue Apr 14, 2020 8:34 am
Forum: Personal Consumer Issues
Topic: Flying in September, think it will be safe?
Replies: 73
Views: 4362

Re: Flying in September, think it will be safe?

Define "safe." If you base "safe" on yourself: age, physical condition, level of precaution you're using or home town statistics, you are still not able to gauge the exposure of all those you sit next to, line up near, previously occupied your seat/taxi/airport shuttle, cafe server/dishwasher/hoste...
by praxis
Sun Mar 15, 2020 9:07 am
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 26668

Re: Who is staying course and how are you dealing with net worth going down?

Although I don't intend to make any adjustments, I do need to sell about $10K for our cash flow sometime within a month. I have looked at the daily share prices of the various stock funds in my taxable accounts and see how relatively small have been the changes recently during what has been a dramat...
by praxis
Thu Feb 27, 2020 2:19 pm
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 9927

Re: How Do you Exercise Indoors?

When I'm in my hometown, I use my gym membership because nothing beats taking an exercise class for me. I alternate between weight training and a cardio/core class every day at 8am for 1 hour. But when we are away for 4 months each summer, I manage a 15 minute workout by myself in an carpeted room w...
by praxis
Thu Feb 20, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2568

Re: HS Latin or Spanish/ASL?

The year of Latin I took in middle school helped me with Spanish and with English too. Many root words in common in many languages. If I had a kid that WANTED to take a 4th year language I would point him in the direction he wanted to go.
by praxis
Thu Feb 20, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: Guitar for a 45 year old beginner
Replies: 52
Views: 4048

Re: Guitar for a 45 year old beginner

Go to want ads or pawn shops or craigs list or ebay. In our town there are a half dozen guitars for sale in the paper. I bought a steel string for $50 last Tuesday and it's decent enough so I can play with friends that visit without their guitar. Really, you will find out soon if you want to continu...
by praxis
Wed Feb 19, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: Vanguard App
Replies: 16
Views: 1535

Re: Vanguard App

HawkeyePierce wrote:
Wed Feb 19, 2020 3:28 pm
praxis wrote:
Wed Feb 19, 2020 3:18 pm
Should we be any more worried about security using the app than logging in through the website?
The app is safer.
I don't know the pros and cons of the two. Reading this thread and comparing to over 10 years without a website problem myself, I'm curious why the app is more secure.

thanks
by praxis
Wed Feb 19, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: Vanguard App
Replies: 16
Views: 1535

Re: Vanguard App

Should we be any more worried about security using the app than logging in through the website?
by praxis
Wed Feb 19, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: Mail Order Pharmacy
Replies: 16
Views: 880

Re: Mail Order Pharmacy

It's also worth seeing if GoodRx has a coupon that would get you a lower price, although it wouldn't count against your deductible. +1 good results with a Good Rx card that my doctor's nurse gave me on my last visit. They are available free on line. https://www.goodrx.com/?gclid=CjwKCAiA1rPyBRAREiw...
by praxis
Mon Jan 20, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: Newer water well issues
Replies: 7
Views: 845

Re: Newer water well issues

Note that anaerobic iron bacteria exist naturally in aquifers and can't be eliminated entirely. But often one treatment can knock back the growth enough to improve flow. Sometimes, dumping a bottle of bleach or dropping some pool treatment tablets down the borehole will do enough to improve producti...
by praxis
Mon Jan 20, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Newer water well issues
Replies: 7
Views: 845

Re: Newer water well issues

Thanks all - I just want to reiterate that the system had no issues from Sep 2019 when the filters were just installed until Jan 2020 when we first started having trouble. I am working with the well driller and they want to try a rehab, here is what it entails: "Rehabbing is the process of using a ...
by praxis
Sat Jan 11, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: Recommended physical fitness websites/books/apps?
Replies: 83
Views: 6828

Re: Recommended physical fitness websites/books/apps?

Scooby has a ton of helpful workouts and health suggestions. He's hilarious and walks his talk.

https://scoobysworkshop.com/
by praxis
Fri Jan 10, 2020 2:23 pm
Forum: Investing - Theory, News & General
Topic: Net Worth ??
Replies: 129
Views: 12646

Re: Net Worth ??

My reason for adding up my net worth is strictly to feel good. So I can make up the rules. My Vanguard account includes my outside accounts which are adjusted daily per the market except for reinvested dividends which I tweak regularly, but not any real estate or personal property. At a glance I can...
by praxis
Tue Jan 07, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 266
Views: 17841

Re: How do YOU make coffee?

We are particular about our morning cup and have been buying 2, 1-kilo bags of Ruta Maya whole bean dark roast on line for about 4 years, keep it in a room temp sealed jar and grind each morning before using a French Press. I've found the Ruta Maya is cheaper (no ship charges) from Costco but freshn...
by praxis
Fri Jan 03, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: Is volunteering worth the hassle?
Replies: 98
Views: 8496

Re: Is volunteering worth the hassle?

Volunteers donate time to organizations that fill a gap somewhere. If you believe in their mission, it will be an incentive to make it work for you. We live in a wilderness mountain neighborhood of forested lots and cabins. We formed a fire abatement team than invites all lot owners over Labor Day w...
by praxis
Mon Dec 30, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Long Plane trip - 16 Hours to Shanghai
Replies: 67
Views: 6279

Re: Long Plane trip - 16 Hours to Shanghai

Lots of good suggestions in this thread. You can see that different strategies work for different people. I traveled long flights throughout my 30 year career. Sometimes several per month. What works for me is sleep figure out what helps you do that on a plane and bring the tools along, like: plug y...
by praxis
Tue Dec 24, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Time to replace the Water Heater - Lots of Questions - Help!
Replies: 77
Views: 5836

Re: Time to replace the Water Heater - Lots of Questions - Help!

Look into a tankless water system. Less gas, less water. Heat what you use. We did and the economics don't work out... In our situation, we were looking at roughly $7,500 for a higher end Rinnai (needed to compensate for altitude and colder ground water temp)... $5,000+ would just be the installati...
by praxis
Wed Dec 18, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Great experience with backcountry.com
Replies: 23
Views: 3542

Re: Great experience with backcountry.com

vitaflo wrote:
Wed Dec 18, 2019 3:35 pm
barnaclebob wrote:
Wed Dec 18, 2019 3:04 pm
Backcountry.com recently caught a ton of flack for trying to sue another company by claiming that the word backcountry was their IP. They tucked tail after all of the online backlash.
I stopped using them for this reason. There's better places to buy gear anyway.
Care to share?
by praxis
Sat Dec 14, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: "Safer" places for Spanish immersion experience?
Replies: 84
Views: 7429

Re: "Safer" places for Spanish immersion experience?

What dialect of Spanish do you want to learn? Columbia’s is probably the most neutral accent and are easier for learners to understand. Or at least, easier for me to understand. I am generally lost with Caribbean accents and Mexican slang. Most of the usual countries are very safe so long as you do...
by praxis
Sat Dec 14, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: "Safer" places for Spanish immersion experience?
Replies: 84
Views: 7429

Re: "Safer" places for Spanish immersion experience?

Call Elma Contreras, 502-78-321422 or 502-78-325818 in Antigua, Guatemala. She's the (English speaking) Director of PLFM Language School there. That was the school that taught us Spanish for the Peace Corps in the 70's. I sent my son there recently for a month after high school. He loved the school,...
by praxis
Mon Dec 02, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Help Poor Families at the Holiday Season?
Replies: 43
Views: 3019

Re: Best Ways to Help Poor Families at the Holiday Season?

DW was discussing with several friends how frequently they encounter homeless at stoplights with signs. Some people ignore them because they guess their money will go to liquor or drugs. They all felt sorry for the people. They had heard about an alternative idea and so drove to a dollar store and b...
by praxis
Sat Nov 30, 2019 12:04 pm
Forum: Investing - Theory, News & General
Topic: How to define enough?
Replies: 73
Views: 10575

Re: How to define enough?

Here's how we did it to have "enough" to avoid outliving our savings: We started with our current pre-retirement annual expenses budget. We regularly track our annual expenses, so we knew what we usually spend each year. We only do this exercise looking backward. We use mostly credit cards, auto dra...
by praxis
Sun Nov 24, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example
Replies: 148
Views: 13948

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

If DW and I have $2M in our portfolio today and assume 4% average annual return ($80K) and plan to withdraw that 4% each year and spend it, and have a life expectancy for the last-to-die of 20 years and have a combined SS income of $5K/month ($60K), and plan to spend all of that SS income too for a...
by praxis
Sun Nov 24, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example
Replies: 148
Views: 13948

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

We are a retired couple of 70 and 65. Here's our simple plan: If DW and I have $2M in our portfolio today and assume 4% average annual return ($80K) and plan to withdraw that 4% each year and spend it, and have a life expectancy for the last-to-die of 20 years and have a combined SS income of $5K/mo...
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: 9915

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: 1929

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: 353
Views: 30050

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: 9915

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: 6358

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: 1477
Views: 173188

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: 3831

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: 3831

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 ...