Search found 40 matches

by Kelmscott
Mon Jun 18, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8760

Re: Which Supermarket are you?

In spring/summer/fall, we get our produce via weekly CSA share from the local organic farm, which includes a giant bag of veggies, berries and locally roasted coffee beans. And sometimes eggs. Most everything else comes from Aldi. Since our local Aldi renovated/expanded, I shop there all the time. I...
by Kelmscott
Sat Jun 02, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 5217

Re: 125K Spend - Would you do this ?

Get a split King. Two separate frames. Two separate mattresses/platforms/box springs. You won't feel anything when the other moves/gets up. You can personalize the layers on each side -- firm on one side, soft on the other, etc.
by Kelmscott
Sat Jun 02, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5236

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

I believe you shouldn't even spend time pondering this until you actually visit Phoenix. You may love it. You may hate it.

Hard to make an informed decision, otherwise. I can't even fathom moving to a place I have never visited before.

Where do YOU want to live, OP?
by Kelmscott
Wed Mar 21, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 46
Views: 6354

Re: Downloadable Social Security Benefit Estimator (repost)

Thank you so much, Neurosphere (and SSCritic, too) for putting the time and effort into creating this excellent spreadsheet!

It's a million times easier to work with than AnyPIA and it's put my mind at ease with my SS calculations for the future.

I really appreciate it. :beer
by Kelmscott
Mon Feb 12, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Bonavita 1500 vs 1800/1900? (coffee)
Replies: 16
Views: 1519

Re: Bonavita 1500 vs 1800/1900? (coffee)

Kayanco -- I don't know why the discrepancy in temperature. I've never checked ~ the coffee is always piping hot -- so much, in fact, that we can't sip it for a while after it's brewed. It stays hot for hours in the carafe.
by Kelmscott
Sun Feb 11, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Bonavita 1500 vs 1800/1900? (coffee)
Replies: 16
Views: 1519

Re: Bonavita 1500 vs 1800/1900? (coffee)

We have the 1500 and LOVE it! Probably the best coffeemaker we've ever had. Can't compare it to the larger one, though. One little annoyance: it says 5 cups, but the reservoir only holds enough water for 3.5 large mugs. The carafe doesn't fill to the top after it's all brewed, so we add a pint of wa...
by Kelmscott
Fri Jan 26, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: [UPDATED 1/26/2018 ] 55+ Early retirement offer.
Replies: 90
Views: 13770

Re: [UPDATED 1/26/2018 ] 55+ Early retirement offer.

Congratulations, Dottie! I'm happy it worked out for you! :sharebeer
by Kelmscott
Mon Dec 18, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 7633

Re: Can I afford it: Dodge Challenger

barnaclebob wrote:
Mon Dec 18, 2017 6:00 pm
Scat pack seems like a poor name choice.
:P
by Kelmscott
Wed Nov 29, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Too much house, right?
Replies: 88
Views: 9357

Re: Too much house, right?

I would never buy it, simply because of your statement "... home we'd border on one side is actually an equestrian park w/ a small arena for training horses (not for rodeo etc), and the other two homes that border, ONE IS A TOTAL EYE SORE and one is a gorgeous million dollar beauty." Why would you w...
by Kelmscott
Wed Nov 29, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Unexpectedly in the housing market--should we buy this house or wait?
Replies: 29
Views: 3709

Re: Unexpectedly in the housing market--should we buy this house or wait?

I would say no, especially after reading about the commercial land.

Large, busy buildings and noise is one thing, but don't forget about lights -- parking lot lights, security lights, etc. They are bright and relentless -- a real drag when they stream into your house at night.
by Kelmscott
Thu Nov 09, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 2742

Re: Comments on Kia Soul?

I would consider a Mazda over a Kia. Have you driven a CX-3 or CX-5? They're getting rave reviews. I have a Mazda3 and love it.
by Kelmscott
Sun Nov 05, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 2676

Re: Has anyone bought a Samsung Note 8?

If you travel overseas quite a bit, you may want to check out T Mobile. They have free data usage in most other countries and minimal phone call charges. Their phones (most of them, anyway) have wifi calling capability, which is great overseas. I have an LG G6 with a T Mobile unlocked phone. Free Pa...
by Kelmscott
Fri Oct 13, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 2376

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Sixt is good. But also look at Kemwel and AutoEurope. They're brokers. You won't need an international drivers permit, your US drivers license will be just fine. However, I wouldn't rent a car. Europe's public transportation system is excellent, there's no reason to rent a car. It's such a hassle, a...
by Kelmscott
Thu Oct 12, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 2376

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Worth it? Absolutely! We love traveling in the off-season. We travel to Europe during the winter often and have been to Germany many times. You'll enjoy having many places that would normally be mobbed during the warmer months all to yourselves. Just remember to pack layers -- fleece, sweaters and a...
by Kelmscott
Sun Sep 10, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Social Security bend points/early retirement estimates
Replies: 17
Views: 3781

Re: Social Security bend points/early retirement estimates

There's a calculator on the Social Security site called Any PIA... have you seen it? https://www.ssa.gov/OACT/anypia/anypia.html You can download your earnings, plug in assumptions (shorten your work career, add projected income, etc) and it'll give you an estimate of what early retirement will be o...
by Kelmscott
Mon Aug 28, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with transferring accounts from Ameriprise to Vanguard
Replies: 14
Views: 1420

Re: Help with transferring accounts from Ameriprise to Vanguard

I have no advice, just a warning. Make sure you document EVERY transaction with Ameriprise. Make copies of letters. Write down names of employees and date/time if you call them. Do not assume anything and verify, verify, verify. I inherited an Ameriprise IRA a couple years ago. The transfer to Vangu...
by Kelmscott
Mon Aug 07, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 2404

Re: Question for Buick Verano (non turbo) or Mazda3 owners

I have a 2015 stick shift Mazda3 hatchback. Love it. I bought the Touring model and had aftermarket heated seats installed. It's my first non-German car -- I've always owned BMWs, VW or MINIs, and the first new car I've ever bought. It was the closest car I could find that mimicked the handling of t...
by Kelmscott
Mon Jul 31, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to the suburbs - how much can i afford?
Replies: 22
Views: 1466

Re: Moving to the suburbs - how much can i afford?

I just read this in the New York Times' Real Estate section today ~ What to Do When You've Picked the Wrong Suburb.

https://tinyurl.com/y7a488ec

You may find it helpful.
by Kelmscott
Mon Mar 06, 2017 11:39 pm
Forum: Personal Consumer Issues
Topic: Telluride Film Festival
Replies: 9
Views: 1029

Re: Telluride Film Festival

And I second Flobes' recommendation about Durango!
by Kelmscott
Mon Mar 06, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: Telluride Film Festival
Replies: 9
Views: 1029

Re: Telluride Film Festival

We always fly from Newark into Montrose, connecting in DEN or sometimes Houston. Montrose is about 1.5 hours away. There's shuttle service, too, from Montrose, so you don't need a car in Telluride. But, since you are staying outside of town, you will probably want to rent a car, unless you can bike ...
by Kelmscott
Wed Nov 09, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Request Suggestions for Family Holiday Activities-South Central PA
Replies: 6
Views: 959

Re: Request Suggestions for Family Holiday Activities-South Central PA

The charming, historic town of Jim Thorpe, PA has a great Christmas festival every year... http://www.JimThorpe.org Train rides with Santa, carolers, horse-drawn carriages, etc ... the town is beautiful to begin with, but when it's decked out for the holidays it's just great. We've been to the festi...
by Kelmscott
Mon Jul 18, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Anyone Skilled at Redeeming Credit Card Travel Points?
Replies: 25
Views: 2426

Re: Anyone Skilled at Redeeming Credit Card Travel Points?

If you are looking for StarAlliance member flights, it's easy to search (and book) using United's web site/reservation system. (See http://www.StarAlliance.com for member listings. You can even do a flight search on there to see the routes/carriers first.) On United.com, click the reservation tab, a...
by Kelmscott
Sat Mar 22, 2014 10:04 pm
Forum: Investing - Theory, News & General
Topic: Solo 401k Form 5500 requirements; Filed 5500 are public!
Replies: 9
Views: 3134

Re: Solo 401k Form 5500 requirements; Filed 5500 are public!

It seems that single participants that file form 5500SF are excluded from the online database. From the IRS's web site: "Beginning January 1, 2012, Form 5500-SF information for “one-participant plans” will not be available to the public on DOL’s website." See page here: http://www.irs.gov/Retirement...
by Kelmscott
Wed Jan 16, 2013 4:07 pm
Forum: Personal Consumer Issues
Topic: Walmart to offer unlimited iPhone 5 plan for $45/mo
Replies: 45
Views: 6870

Re: Walmart to offer unlimited iPhone 5 plan for $45/mo

I just dumped my contract with AT&T when it ended last month and switched to Straight Talk for my iPhone 4.

Easy to switch, no difference in service/coverage whatsoever (since ST uses the ATT network), and it sure is nice saving about $35 per month!
by Kelmscott
Thu Jan 10, 2013 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Buy vs Rent - am I looking at this correctly?
Replies: 22
Views: 3191

Re: But vs Rent - am I looking at this correctly?

Many co-ops do now allow rentals, or if they do, it's only for 1 year. Make sure you check the co-op board's by laws.

Sometimes there is also a "flip tax" when you sell, too.
by Kelmscott
Wed Jan 09, 2013 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford it? (International trip)
Replies: 92
Views: 8158

Re: Can we afford it?

I wouldn't spend the money, but that's me. I could never rationalize spending $9,000 on airfare-- that would pay for almost 3 of my annual trips to Europe -- including meals and lodging! Your flights are long, but they're broken up by a 14 hour layover, when I'll assume you'll be checked into a hote...
by Kelmscott
Thu Jan 03, 2013 4:49 pm
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 25875

Re: What was your 2012 return?

Love the t-rex, that was brilliant. :beer

My return was 11.7% with an AA of 70/30.

Onward and upward!
by Kelmscott
Sun Nov 04, 2012 10:06 pm
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 21595

Re: Dear Bogleheads - time to pony up

Just sent money via PayPal. I'm happy to donate to such a worthy web site and group.

Thank you for having one of the most lively, informative and life-changing forums on the internet.

I know it's a lot of hard work and energy to keep it going, but it sure is appreciated.

Cheers! :beer
by Kelmscott
Sat Oct 27, 2012 3:34 pm
Forum: Personal Consumer Issues
Topic: Confession + POLL: I succumbed to an iPad mini
Replies: 97
Views: 6863

Re: Confession + POLL: I succumbed to an iPad mini

RR2, you should definitely check out the Nexus 7. It's faster than my iPhone. And just as smooth. No freezing, sputtering. Nada. It's running the latest version of Jelly Bean. I honestly can't tell the difference between the 2 operating systems. Except the iOS menu button is missing at the buttom of...
by Kelmscott
Sat Oct 27, 2012 3:29 pm
Forum: Personal Consumer Issues
Topic: Confession + POLL: I succumbed to an iPad mini
Replies: 97
Views: 6863

Re: Confession + POLL: I succumbed to an iPad mini

Yeah, crazy, huh? I found it on the site of a retailer in NYC. I couldn't believe it when I saw it, but I put in my cart and shockingly the transaction went through. And I received it yesterday. Apparently it happened a few weeks ago to some folks who ordered from Staples, too. They were able to rec...
by Kelmscott
Sat Oct 27, 2012 3:01 pm
Forum: Personal Consumer Issues
Topic: Confession + POLL: I succumbed to an iPad mini
Replies: 97
Views: 6863

Re: Confession + POLL: I succumbed to an iPad mini

I was going to buy one. I monitored the rumors daily, for weeks, really, in anticipation. Unfortunately, the pricing changed my mind. I was really disappointed. After hearing raves from lots of folks, I ended up buying a 32gb Nexus 7. My first Android device. I was a bit nervous, but you know what? ...
by Kelmscott
Sun Sep 16, 2012 1:17 pm
Forum: Personal Consumer Issues
Topic: How to start a startup
Replies: 16
Views: 1809

Re: How to start a startup

You may want to read Chris Guillebeau's $100 Startup. Good inspiration and many excellent strategies/thoughts for launching a biz.
by Kelmscott
Sun Sep 16, 2012 11:29 am
Forum: Personal Consumer Issues
Topic: Recommended Paint Removal Methods for Old Home?
Replies: 11
Views: 2015

Re: Recommended Paint Removal Methods for Old Home?

Check out Peel Away:

http://www.dumondchemicals.com/home-peel-away-1.html

I've used it on several historic restoration projects over the years and haven't been disappointed yet. Good stuff.
by Kelmscott
Mon Sep 10, 2012 7:03 am
Forum: Personal Consumer Issues
Topic: Best way to get local currency in France and Italy
Replies: 14
Views: 1679

Re: Best way to get local currency in France and Italy

I agree with the above suggestion of trying your local bank. My little local bank doesn't charge an overseas fee at all. For travel, I actually have 2 checking accounts, each with its own separate ATM card. I deposit money into both right before the trip. The second card is my "backup" and I don't c...
by Kelmscott
Mon Aug 20, 2012 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Deducting Solo 401k Employer Contributions?
Replies: 10
Views: 13095

Re: Deducting Solo 401k Employer Contributions?

Thanks, everyone, for the clarification!
by Kelmscott
Mon Aug 20, 2012 11:34 am
Forum: Personal Consumer Issues
Topic: Any experience with buying high quality persian/easter rugs?
Replies: 6
Views: 1591

Re: Any experience with buying high quality persian/easter r

You'll need to thoroughly educate yourself about carpets if you're serious about this. Otherwise, the carpet sales people will most likely take advantage of you. I'd start researching online, then get some books out of the library and just look at a images to get a sense of design. Familiarize yours...
by Kelmscott
Sat Aug 18, 2012 12:25 pm
Forum: Investing - Theory, News & General
Topic: "The Secret of two-times pay" from Your Money Ratios
Replies: 97
Views: 16224

Re: "The Secret of two-times pay" from Your Money Ratios

Interesting discussion. I've recently experienced this phenomenon, just a few weeks ago. I finally feel, after years of saving whatever I could, that I'm getting somewhere and the dollars are accumulating. My retirement savings balance was exactly 2x my salary at the point I started to feel hopeful....
by Kelmscott
Fri Aug 17, 2012 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Deducting Solo 401k Employer Contributions?
Replies: 10
Views: 13095

Re: Deducting Solo 401k Employer Contributions?

Timely question. I just opened a Solo 401K this year and was wondering the same thing. (It's just me, no other employees, filing as a sole proprietor). Everything I've read (unofficially) online says both employee and employee contributions are deducted on Line 28. But now James mentions above that ...