Search found 458 matches

by praxis
Mon Oct 22, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 134
Views: 9988

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: 1535

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)...
by praxis
Sun Oct 21, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1535

Re: First RMD is due last day of year

praxis wrote:
Sun Oct 21, 2018 3:36 pm
BL...
praxis wrote:
Sun Oct 21, 2018 3:34 pm
[quote=

After age ~59.5, you are allowed to withdraw any amount and simply pay the tax.
Please explain.

Thanks
by praxis
Sun Oct 21, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1535

Re: First RMD is due last day of year

duplicate post
by praxis
Sun Oct 21, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1535

Re: First RMD is due last day of year

duplicate post

sorry
by praxis
Sun Oct 21, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1535

Re: First RMD is due last day of year

Does my custodian file a different IRS form depending on whether my IRA withdrawal is intended as my RMD for a particular year or is it reported as any other IRA distribution?
by praxis
Sun Oct 21, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1535

Re: First RMD is due last day of year

Deadline for receiving required minimum distribution:  Year you turn age 70 ½ - by April 1 of the following year  All subsequent years - by December 31 of that year I found the above on irs.gov and it seems clear that I will have until April 1, 2020 to take my first RMD. And it would be claimed on...
by praxis
Sun Oct 21, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1535

Re: First RMD is due last day of year

I turn 70 next year on June 30, 2019, and I believe that means my first RMD must come out of my IRA on Dec 30, 2019. Or does it? How does the IRS define 70.5? If it's 6 "months" after my birthday, is it Dec 31st? Would my first RMD need to come out during calendar year 2020? Dec 31,2019 is a Tuesda...
by praxis
Sun Oct 21, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1535

First RMD is due last day of year

I turn 70 next year on June 30, 2019, and I believe that means my first RMD must come out of my IRA on Dec 30, 2019. Or does it? How does the IRS define 70.5? If it's 6 "months" after my birthday, is it Dec 31st? Would my first RMD need to come out during calendar year 2020? Dec 31,2019 is a Tuesday...
by praxis
Sun Oct 14, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Key West Hotels
Replies: 27
Views: 1801

Re: Key West Hotels

I would think one would want very recent eyewitness accounts of anything due to hurricanes the past 2 years. We spent a week there last November. We flew into KW and also drove north to Marathon. Key West was back together after the recent hurricane. All the rest of the highway was piled with debri...
by praxis
Sun Oct 14, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14446

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

WOW. quite a diverse list. you need to narrow things down a bit. what is important to you? climate? politics? shoveling snow? proximity to wallmart? cost of living? house cost $/sq ft? views? proximity to parks? proximity to relatives/family? Proximity to valley forge? may be some good bargains com...
by praxis
Fri Sep 21, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 20
Views: 2234

Re: Home away from home

He must be trusted and respected to be chosen for this mission. That's cool. I'm thinking this experience is going to depend a lot on his personal preferences in his many daily choices. This can be a fun adventure for him. I traveled internationally and throughout the US for 30 years and most of tho...
by praxis
Thu Sep 20, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6977

Re: Don't trust Tripadvisor reviews

I wouldn't choose a place based on one review any more than choosing it based on one person's opinion. I've stayed in places I like that have some terrible reviews from others. There are so many resources and reviews I can read. When I do research for a trip and I know little about the lodging and d...
by praxis
Mon Sep 03, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Best place to exchange dollars to euros?
Replies: 49
Views: 3955

Re: Best place to exchange dollars to euros?

I bring about $200 in small bill Euros that my bank issues to me. It always takes them a day to have them for me so I call ahead to my branch. Then I bring my Schwab debit card for local ATMs after converting some shares into the money market fund that my card draws from. I like to have plenty in th...
by praxis
Mon Sep 03, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: The future of my journals and logs
Replies: 45
Views: 4251

Re: The future of my journals and logs

Some children are interested in their parent's thoughts and history like me. My mom and dad told us stories of our grands and greats. I don't know if my siblings retained much. I wanted my kids to have something, so my cousin and I wrote a cookbook with three parts to each page. A recipe from our an...
by praxis
Wed Aug 29, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Wildlife Removal:
Replies: 16
Views: 1700

Re: Wildlife Removal:

We live half year in the swamp and half year in the forest. We ALWAYS have critters trying to get in. Mostly it's mice and rats, so I don't have a problem with disposing of them. If they're outside the house I might use rat bait (poison) but only use rat traps inside. It's not true that the carcasse...
by praxis
Wed Aug 29, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Negotiating with XM
Replies: 27
Views: 2632

Re: Negotiating with XM

I've been playing this stupid game with them for probably 7+ years now: -Call a week before expiration, take subscription off auto-renew and cancel. -Wait for subscription expiration date to pass. -Call and tell them I want the 5 month deal for $25-$30. I always get it. The trick seems to be that t...
by praxis
Sat Aug 25, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3917

Re: Best (most practical, low cost) Luggage for Airline Travel

Ebags brand is pretty good. I have their bags. https://www.ebags.com/search/u/weekender?lastsearchterm=weekender Me too. DW and I travel regularly and have a smaller version of this soft sided backpack-style model. The larger version does not fit in the overhead as easily as the Junior model. If yo...
by praxis
Tue Aug 21, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 21
Views: 1735

Re: Free Tire Change of Flat

My wife drives mountain roads alone and takes road trips with girlfriends. She's often in areas without a cell signal so calling for emergency service is not always an option. We put a No-Seize lubricant on all her lug nuts and bought a modest sized floor jack to add to her roadside emergency box in...
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: 9361

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: 53
Views: 3629

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: 3111

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: 3510

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: 3927

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: 3510

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: 31
Views: 6618

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: 31
Views: 6618

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: 10162

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: 3283

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: 10477

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: 13649

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: 13649

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: 69
Views: 6497

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: 69
Views: 6497

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: 5627

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: 57
Views: 5283

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: 3442

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: 18570

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: 18570

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: 3259

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: 4505

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: 3259

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: 9219

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: 11442

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: 6167

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: 6167

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: 467
Views: 44068

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: 5894

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: 6261

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...