Search found 415 matches

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: 9025

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: 65
Views: 4725

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: 65
Views: 4725

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: 318
Views: 22554

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: 56
Views: 5025

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: 5446

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: 6832

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: 38071

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: 14833

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: 8848

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: 5398

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: 1188

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: 1826

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: 2963

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: 2963

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: 2963

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: 6830

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: 1145

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: 7706

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: 7193

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: 112
Views: 8877

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: 2071

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: 1717

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: 1796

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: 1717

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...
by praxis
Thu Feb 01, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Trex Decking Without Fascia
Replies: 27
Views: 1796

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
Mon Jan 08, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: How to learn creative writing?
Replies: 23
Views: 1493

Re: How to learn creative writing?

How about a community college class in Creative Writing? There are many, many would-be creative struggling writers teaching such courses. +1 I took an adult education class offered by the local university for 4 semesters. We met once a week and shared each others' writing based on our teacher's ass...
by praxis
Sun Jan 07, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 23
Views: 2845

Re: Teeth Whitening

fsrph wrote:
Sun Jan 07, 2018 11:02 am
Rupert wrote:
Sun Jan 07, 2018 10:50 am
My dentist told me that Crest Whitestrips work as well or better than any whitening procedure they do in her office.
I second this. Crest Whitestrips work great. I've tried "generic" store brands of Whitestrips and they did not work well.

Francis
+1
by praxis
Thu Jan 04, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: [Suggestions for traveling in] Portugal
Replies: 7
Views: 501

Re: [Suggestions for traveling in] Portugal

https://www.ricksteves.com/europe/portugal/itinerary We used this route and used AirBNB and VRBO mostly for lodging ideas. We also flew into Lisbon and out of Porto (which was our favorite city). It is our opinion that our decision to rent a car after 3 days in Lisbon and follow this itinerary was ...
by praxis
Fri Dec 29, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay college tuition from a 529?
Replies: 26
Views: 2247

Re: How to pay college tuition froma 529?

I paid the tuition and sent the receipt to my 529 who sent me a check for the amount.
by praxis
Thu Dec 28, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7803

Re: The Economics of a new Puppy

Several years ago our young teen daughter finally wore me down and we got a yellow lab mix dog. She’s about 65 lbs. got her from shelter. She is a sweet dog, but in retrospect was probably a mistake. Daughter contributes very little to care. I do all the work. My wife doesn’t much like dogs. Dog sh...
by praxis
Wed Dec 27, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 42017

Re: What frugal thing did you do today?

I went to the gym this morning like a lot of you. I believe it is the best thing I do for my health. In the big picture, if I stay in shape, I will be healthier. Exercising takes effort and commitment. As I watch my friends and relatives age, the ones that don't stay in shape pay more in health care...
by praxis
Sun Dec 17, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Buy home with structural issues
Replies: 51
Views: 4117

Re: Buy home with structural issues

Everything was smooth, closing was scheduled for next week, but went to see the home one final time before purchase and I see a crack in the wall. I hired a foundation contractor right away and was told of multiple structural problems in the house including not enough column support in the crawl sp...
by praxis
Wed Dec 13, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 210
Views: 44176

Re: That Extravagant Thing You Do

A daughter's wedding. At the health club this morning, one of my fellow exercisers described the pending wedding of the first of her three daughters. Her eyes got wide as she told me about the destination event being planned by the couple. Before travel and lodging, the resort had quoted them $275 p...
by praxis
Wed Dec 13, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: 2015 and newer Suburban/Yukon XL Owners
Replies: 8
Views: 780

Re: 2015 and newer Suburban/Yukon XL Owners

I bought a 2014 Tahoe after the 2015s came out for the reasons already mentioned, basically, apprehension about the first year of a new model, although I really liked the newer body style. I was offered a 2015 Suburban XL or a 2014 Tahoe Z71 with 3 seat rows like the Suburban for almost the same pri...
by praxis
Wed Dec 13, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Novel Gift Ideas for Adult Siblings
Replies: 27
Views: 2300

Re: Novel Gift Ideas for Adult Siblings

How about a personalized gift? It could be something like a wood carving with your sibling's name on it. Or how about ordering a calendar with family pictures on it? Unlike items you can purchase easily online or from a store shelf, personalized gifts usually require a bit of planning and design. I...
by praxis
Sat Dec 09, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 18397

Re: Save all this money, what do you splurge on?

2) My next coffee upgrade is probably home roasting of coffee bean. Ive been considering that also. One other, non-splurge (I.e., inexpensive) coffee things I’ve recently started is Third Wave Water, available on Amazon. Take a gallon of distilled water, add a packet of minerals, and the coffee is ...
by praxis
Sat Dec 09, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired at least 10 years, what about the money?
Replies: 47
Views: 7559

Re: For those retired at least 10 years, what about the money?

No change in my plans. Markets go up and markets go down. We stay the course. Sure, I'm happier when it goes up, and I moaned a lot in 2008. We're living okay in retirement, now 17 years in, and net worth is close to the same now as when we retired. Can't complain about that. +1 12 years in, but st...
by praxis
Fri Dec 08, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 69
Views: 6064

Re: What did you do with your first RMD withdrawal money?

Some people do take RMDs in kind, I understand. So you are saying you can take in kind and just keep track of amount of shares or transfer them(shares) from the IRA to a non-tax sheltered account? sounds easier than selling in the IRA and re buying in the taxable account. I thought that any shares ...
by praxis
Fri Dec 08, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 69
Views: 6064

Re: What did you do with your first RMD withdrawal money?

The IRS gets paid first, the remainder goes to the taxable account. The IRS gets more than half :D Dale How do you figure it's half? I will guess it's because Mr. G makes it so. He probably has plenty of other income, but withholds no taxes from the other income and has all his tax liability for al...
by praxis
Fri Dec 08, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7966

Re: Lowering My Grocery Bill

What Consumer Reports says about gluten: Unless you are among the 1 percent of Americans who have celiac disease, going gluten-free might actually harm you. In fact, gluten may be good for you by reducing blood pressure and inflammation. Gluten-free doesn't necessarily mean healthier. Gluten-free f...
by praxis
Thu Dec 07, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 69
Views: 6064

Re: What did you do with your first RMD withdrawal money?

Dale_G wrote:
Thu Dec 07, 2017 5:38 pm
The IRS gets paid first, the remainder goes to the taxable account. The IRS gets more than half :D

Dale
How do you figure it's half?
Doesn't the tax depend on
1. your current tax bracket and
2. the percentage the non deductible contributions (if any) represent as reported on your form 8606 ?
by praxis
Thu Dec 07, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7966

Re: Lowering My Grocery Bill

I suggest shopping for name brand products at Wal-Mart, online using their store pickup option. Then you drive to Wal-Mart and they load the groceries in your car. Grocery prices are the same as in-store and there is no pickup surcharge. Essentially, this allows you to get Wal-Mart pricing (which i...
by praxis
Thu Dec 07, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 69
Views: 6064

Re: What did you do with your first RMD withdrawal money?

I will take my first RMD withdrawal next year. We have enough income from other sources to cover our normal expenses. The IRA is money for long term care expenses. So the RMD should go into some investment that is reasonably liquid and reasonably stable, but with some positive return. It should be ...
by praxis
Thu Dec 07, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 1865

Re: Okay come clean....How man people share passwords for streaming services?

fatcharlie wrote:
Thu Dec 07, 2017 12:27 pm
Netflix limits the number of concurrent streams so there's no issue sharing passwords there.
I let our son at college stream on our Netflix account, but I pay for multiple screens. I just checked my plan and it allows 4 simultaneous screens for $11.99/month.

One screen is $7.99. Two is 10.99.
by praxis
Sat Dec 02, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: Safes
Replies: 31
Views: 2309

Re: Safes

ddurrett896 wrote:
Fri Dec 01, 2017 7:16 pm
praxis wrote:
Fri Dec 01, 2017 12:16 pm
the best family photos are in the cloud.
What cloud service do you use?
Apple & Drop Box

you?
by praxis
Fri Dec 01, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Safes
Replies: 31
Views: 2309

Re: Safes

My two-part home security system is a briefcase-sized, medium-rated (by how many hours it can sustain how many degrees) key-locked fire safe for our important papers (real estate abstracts, passports, copy of wills, memory card with a video of personal property in all our rooms) that I shove under a...
by praxis
Fri Dec 01, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 29404

Re: Why not take Social Security at 62

I'm anticipating the news to report the SS fund to run out by 2034 as we get closer to that date, which can be misleading. "oh no, I won't get a SS check anymore in 2034". The SS fund will have enough money to pay only 79% of benefits starting in 2034. I expect the majority of those 62 at that time...
by praxis
Fri Dec 01, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 29404

Re: Why not take Social Security at 62

Thanks to all for the input, thoughts, resources, and suggestions. I am having a hard time finding a calculator that allows one to financially plan that includes social security without working until age 62 or later, or even a social security calculator that will allow a user to figure the retireme...