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dewey

When Vanguard was thumping the competition with unbelievably low ER's, it made sense for that cost to be a significant factor when choosing a provider. But once the fees are close to identical or with very little difference, it loses its compelling consideration compared to the past. That's what I t...

dewey

$50.00 year for a medium size box from our credit union.

dewey

I buy a new car every few years. I enjoy cars and though I'd be a wealthier man not doing it, I'm like a moth to the lights. My wife always says "You deserve it. You worked hard your whole life and you get real pleasure from a nice car." Otherwise...fairly smart about spending. 69 and drawing only 2...

dewey

youngpleb wrote: ↑
Wed Jul 04, 2018 4:48 pm
20%-25% pre-tax for adequate to good service, down to 15% for bad service.

+1

dewey

30% of equities is Total International Index

dewey

RMD Question. I turn 70 on June 28 (2019) so I’ll be 70 1/2 on December 28 (I’m guessing). So that will be the year that determines my first payment which I'll make in 2020. I’d like to do charitable giving within the RMD, but, can’t make any donation prior to being 70 1/2 as I understand it. That’s...

dewey

CR Buying Guide 2018, page 194 shows the trouble spots for the RDX. The most recent year they address is 2016 which gets high marks for reliability in all categories except in car electronics. But CR's reviews include ride, comfort, styling, etc. Much of that is individual preference. My focus was o...

dewey

Look at CR Annual Review of all vehicles to see reliability of individual models. There's another site that consults individual owners about all makes where they log any/all problems. The RDX is a top performer. I'm out the door to an appointment now and will locate it later. But start with your sou...

dewey

CR ranks the car manufacuters overall reliability etc as follows: 1. Genesis, 2. Audi, 3. BMW and #4 Lexus, #5 Porsche (see a trend here? Honda is 9, toyota 10 and Acura #22 (Acura has really dropped in CRs view). Where are you getting these numbers? Here is a October 2017 reliability report: https...

dewey

The first generation RDX was amazing (2011 is First generation). Fun to drive. Super Handling All Wheel Drive (Acura's best system). The car has plenty of turbo charged zip. Handles really well. Reliable as heck. Acura's reliability has taken a hit recently but the RDX is exempt from the issues in a...

dewey

Overall I've been very pleased with customer service from Vanguard--and I've been with them for too many years to count.

dewey

I have a good friend who is frugal but not cheap. He always has bottles of Genlivet at his parties. I have known him for 15 years. I love Glenlivet on the rocks. I'm not a heavy drinker - only one or two drinks a couple times a week. Always enjoy his Glenlivet :D He confessed to me last year that h...

dewey

I'm viewing rising yields as a case of short term pain for long term gain. I'm retired and in this for the long haul--I hope. So my AA dictates my bond holdings. We'll see if this was wise but I'm expecting in a few years these rising rates will stabilize bonds and they'll better be able to work the...

dewey

I start my RMD's next year too...but don't turn 70 and 1/2 until Dec. 28th. That's going to be tight for the QCD's. But if they get the checks cut and mailed before Jan. 1, 2020, that would seem to work okay? There has to be a way to avoid missing out on the QCD's otherwise it's not fair to some fol...

dewey

Second marriage. My wife's first. I didn't want a ring, she did. And she was fine with my not wanting one. When I interviewed, I openly spoke about family when asked. And it was obvious I didn't wear a ring. My wife's ring was special made and she likes it. But only wears it these days as jewelry fo...

dewey

2016 Acura RDX Advance, 6 cylinder. Great car. DW has 2014 Mazda GTS.

dewey

On occasion--not routinely. If I meditate, sometimes I'll eventually slip into napville. It's great.

dewey

pezblanco wrote: ↑
Wed Dec 27, 2017 10:25 pm

cheese_breath wrote: ↑
Wed Dec 27, 2017 8:20 pm
The Bible.
You might try "Letter To A Christian Nation" by Sam Harris ... you might think of it as an intelligent commentary on your own particular non-fictional choice.

+1

dewey

My portfolio is at 1,700,000.00. My wife's is separate. But I'm now drawing from it at a rate of 2.9% a year roughly, starting in 2018. I'm 68. Are there other retirees with no future wage earnings whose portfolio keeps pushing their net worth higher? That's the only way I'll break the $2 threshold.

dewey

So far I only do hard boiled eggs (perfect every time) and brown basmati rice (perfect every time). I haven't made any regular recipes because so many call for stopping and starting the IP and I'm not sure footed about all that. Plus so many of our recipes are well established using traditional mean...

dewey

I listen to Sirius stations when I drive that are contemporary and alternative rock. I also shazam music everywhere I go. The new stuff I like, I then purchase on iTunes and then assemble playlists as I go. I make 3-4 new playlists a year. I then burn discs as gifts to a small circle of friends who ...

dewey

I do, and always enjoy it. I don’t do it daily which I want to commit to. I just downloaded Headspace app. Thanks for that suggestion.

dewey

Wonderful and good for you. It’s an accomplishment and you did it.

dewey

No. I haven't ever, and won't.

dewey

We’re having a new Pure 100% latex mattress delivered next week. My research led us to latex. Our current foam mattress has worked well but we’re excited for the latex upgrade.

dewey

Wife has a 2014 Mazda 3 GTS. It has all the new safety features. Sporty ride and drive. And we average 30 mpg in mixed driving. She loves the car. Would definitely buy again. I drive a 2016 Acura RDX. Terrific vehicle in literally all ways. This is our AWD vehicle and would purchase again in a heart...

dewey

My wife and I both agreed that we should do absolutely nothing. And as I've said, the right description of 2008-2009 was not "we stayed the course" but "we froze like deer caught in the headlights." I'm a fraidycat and have always had "too conservative" an allocation. As a matter of fact in 2007 I ...

dewey

Always great hearing the two comma news. Good for you!!!

dewey

Awesome...with a side of awesome sauce. Congrats!!!

dewey

Retired, holding approximately 2 years living expenses in cash.

dewey

I use Griot's Poly Wax. It is very easy to apply and remove. One of the easiest I've ever used. It gives a really nice shine. And is extremely durable and long lasting.

dewey

I'm 68, my wife is 65--both retired. Our house is a regular 3 bedroom 2 bath. We clean it ourselves. We do all the yard care and mowing (smaller lot of course). I clean the gutters. We wash our windows when our mostly younger neighbors hire it out. We cook most of our meals at home but when we go ou...

dewey

Excellent--congrats! Puts a bounce in your step today...

dewey

“The measure of an education is that you acquire some idea of the extent of your ignorance.” Christopher Hitchens

dewey

We have the 800 series and I wouldn't buy one again. It's cleaning capacity is mediocre compared to a vacuum cleaner or stick. Basically worthless on carpet so we only run it on hard surfaces. You have to prep the spaces it will run in or else it's likely to get stuck. Since it has these operational...

dewey

My wife has a Mazda 2014 Grand Touring Sport w/automatic transmission (purchased new). Great car. Handles well. Has all the modern safety features. Terrific gas mileage. No behavior issues to date. I enjoy it too. I like a bit more comfort and quieter ride but this is a sportier car and that explain...

dewey

My first Flagship Rep was outstanding. He was promoted and his replacement was not as stellar. I made a change and my current Rep is terrific. Prior to Flagship all my service was very good. I've been with Vanguard a long time and would give their service two thumbs up.

dewey

I told my daughters--many decades ago--when they got married they'd get $10,000.00 each to use as they chose (wedding fun, honeymoon travel, toward house down-payment---up to them). My younger daughter asked what would happen if they didn't get married. I said "Then you get $20,000.00"

dewey

The others have lowered their ER's for one reason as far as I can tell--Vanguard was eating their lunch. Had Vanguard never existed what's the chance they'd do what they're doing now? I give Vanguard my business in part to support them for having supported me--over the long haul.

dewey

OP, take a reality check. (and I mean that in a nice way). You live probably a really really nice life style compared to almost everyone in the world. I could be wrong, but my guess is your total cash outlay over the course of a year is between $75,000 and $100,000 a year. That isn't living frugall...

dewey

My thoughts? If the numbers are reasonable and you can manage the two vehicles - why not? I used to drive a sporty Acura hatchback and now have the same Toyota Tacoma as you as a daily driver. I love the utility of the Tacoma for weekend tasks and hauling things but I'd be lying if I said I didn't ...

dewey

njay73---

I didn't see your age? Just curious. But definitely congratulations regardless of it!

dewey

I have the Weber Genesis stainless steel natural gas grill (direct feed from the house--no need to fill cans) and a Traeger. They serve different purposes. But what I've been doing with steaks and chops is, smoke the meat for a while on the Traeger to give that added flavor, then, finish it with a v...

dewey

Bosch 800 and 500 series with top 3rd shelf is very popular. I have an older generation Bosch in my house (without the top shelf) and very happy with it. I'd not hesitate to buy another Bosch DW should this one go bad and need a replacement. Edit- thesweethome agrees: http://thesweethome.com/review...

dewey

We have one in the bedroom. We use it sparingly but almost nightly before sleeping. DW sleeps like a rock so is never disturbed if I use it and she wants to sleep. I on the other hand...

dewey

Tamalak wrote:
lagflag wrote:
leonidas wrote:They will let you slide with just one missed step
But but but I once tried to time the market (and I beat it actually). Any chance now?
Leave and never return!

I took "leave and never return" completely as humor.

dewey

For those who prefer JW Black, I'd suggest giving Famous Grouse Smokey Black a try (previously the Black Grouse). I used to be a fan of JW Black but much prefer the Grouse--and at a better price point to boot.

dewey

Based on your criteria--I'd suggest adding the Acura RDX to you list. It checks all the boxes except turbo engine. But it has an excellent engine in terms of power (6 cylinder). But it also makes many important safety features available at a surprising price for a premier brand.

dewey

happyisland wrote:I'm honestly shocked that there are so many votes for Chik Fil A. Who puts a bread and butter pickle on a fried chicken sandwich? I know you can pick it off, but that is just downright suspicious behavior.

+1

dewey

Camas has good schools but as others have said--so does Vancouver. Likely more diversity in many Vancover schools than Camas since Camas is much higher income. Vancouver is a great place to be retired--which we are. And we go to Portland 2-3 days a week for meals and entertainment. We time most of i...

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