Search found 495 matches

by praxis
Tue May 07, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 8774

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: 8774

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: 4563

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: 7314

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: 9731

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: 5956

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: 925

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: 69
Views: 10237

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: 3641

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: 10731

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: 6783

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: 3085

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: 5658

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: 5658

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: 5658

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: 13581

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: 165381

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: 51561

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: 1407

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: 7345

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: 4565

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: 4565

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: 3990

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: 10225

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: 845
Views: 85371

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: 845
Views: 85371

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: 5643

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: 20376

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: 15602

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: 2602

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: 11243

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: 1981

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: 1889

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: 7388

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: 5104

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: 2989

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: 26578

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: 1740

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: 1740

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: 1740

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: 1740

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: 1740

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: 1740

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: 1740

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: 1740

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: 1965

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: 216
Views: 16527

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: 2331

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: 7213

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...