Search found 44 matches

by beachlover
Fri Feb 08, 2019 11:12 pm
Forum: Personal Consumer Issues
Topic: Visiting Hawaii- Big Island - 8 days
Replies: 24
Views: 2330

Re: Visiting Hawaii- Big Island - 8 days

These suggestions from 2015. Beaches that sound like they may be near to where you'll be staying (I see someone above beat me to these while I was writing): Kauna'oa (Mauna Kea) Beach - you need to enter through the Mauna Kea resort security. Just tell them you're there for the beach. They only let ...
by beachlover
Wed Jan 16, 2019 12:12 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4897
Views: 1268027

Re: What Movie Have You Recently Watched?

"Leave No Trace", now on Amazon Prime. Interesting story about a father (recent war vet), his daughter and their relationship as they try to find their respective places outside, within or at the edge of society. A couple of strong performances with some great Pacific Northwest forest scenery in par...
by beachlover
Sun Dec 16, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 6608

Re: How much do you pay for cable/internet/cellphone

Cell (Consumer Cellular),2 lines, unlimited talk/text, 2 GB shard data: $50.00 Internet (Comcast), 50 mB/sec: $30 (into pricing, will go to $50 in April) Netflix streaming: $11.00 Over-the-air broadcast TV: $0 No land line. So, that's $91 now or $111 per month once our internet goes full price in Ap...
by beachlover
Mon Oct 15, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 40
Views: 2944

Re: trip to Grand Cayman & dieting

On Grand Cayman, do yourself (and the reef) a favor - try the lionfish. If you've been dieting for a while, you know what's good and what to avoid. On vacation it's just a matter of balance and moderation. Try to avoid breaded fried stuff, high carb stuff, fatty sauces and, of course, watch the port...
by beachlover
Thu Sep 20, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 132
Views: 12487

Re: Did you really have something to retire to?

I retired to a life with less stress. I am worried to a life with more stress if there is no specific plans. When I was working but planning for an early retirement (about 4 1/2 years ago), I had some concern about losing social and intellectual stimulation offered by longer-term projects and day-t...
by beachlover
Wed Aug 08, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: Seeking ideas for relaxing but not boring vacation
Replies: 19
Views: 1846

Re: Seeking ideas for relaxing but not boring vacation

If you like the outdoors, enjoy hiking and don't mind doing some driving, the Pacific Northwest of US and British Columbia CA have a lot to offer. Portland paired with Mt Hood, Columbia Gorge and Northern Oregon coast. Seattle with Mt. Ranier, Olympic Park, perhaps a day trip to Bainbridge Island, o...
by beachlover
Tue Aug 07, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14546

Re: Is solar power for your home a worthwhile investment?

In Pennsylvania , however, we can choose our electricity supplier, and there are many eco-conscious contracts available. We are now paying $.0619 per KWH for 100% wind power from Texas. I'm pretty sure the electrons coursing through our wires didn't originate from a Texas turbine, but supposedly on...
by beachlover
Fri Aug 03, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14546

Re: Is solar power for your home a worthwhile investment?

Last I looked (about two years ago) rooftop solar was a close call for us, but not yet ready, even with with an extra nudge from eco-consciousness. On the plus side: Projected payback for a cash deal was reasonable, but with assumed continuation of some ongoing credits that may be subject to politic...
by beachlover
Fri Aug 03, 2018 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Charitable giving strategy
Replies: 43
Views: 2663

Re: Charitable giving strategy

For the most part, we do regular, planned giving. Our strategy (perhaps obvious) is: 1) Decide on an annual budget for giving. 2) Identify needs, services, or other public benefit we would like to support. 3) Identify charitable organizations working in those areas. Using annual reports, articles, p...
by beachlover
Sat Jun 16, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 72
Views: 5318

Re: Tracking spending before retirement useful for estimating retirement expenses?

Four years into retirement here. We began tracking expenses against estimated retirement income in earnest about five years before retiring - along the lines of what's recommended in Your Money or Your Life, but at much coarser grain and with investment assumptions tailored to our portfolio. We didn...
by beachlover
Fri Apr 20, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 20233

Re: Do you buy new or used cars?

We've done both new and used, depending on situation. For the last four cars we've bought (over about twenty or more years), two were late model used (about 1-2 year old on model year) with very low mileage and some factory warranty remaining. Two were new. For the new cars, both were popular models...
by beachlover
Fri Mar 16, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4897
Views: 1268027

Re: What Movie Have You Recently Watched?

Two documentaries for sea lovers on Netflix: Mission Blue - Describes the life and work of Silvia Earle, pioneering marine scientist and diver, as well as her observations on ocean ecology from decades of work and involvement with the sea. Chasing Coral - Describes a project to document (mostly via ...
by beachlover
Thu Jan 11, 2018 12:51 am
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 88
Views: 10500

Re: Men's no iron dress shirt recommendations

Took a quick scan through recommendations above and didn't notice either of these mentioned. I've been quite pleased with both: At Macy's "Eagle" all cotton no-iron dress shirts. I think they list for about $70, but often are on sale. From Kohls "Croft and Barrow" all cotton no-iron dress shirts. Si...
by beachlover
Thu Jan 04, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6364

Re: Airbnb - Guide a beginner

In the past, we've always just booked at one of the resorts, but I'm interested in giving Airbnb a try. We have had very good luck overall with VRBO/Homeaway (for US mainland, Hawaii or Caribbean), Venere (for Europe) and, more recently, AirBnb (Quebec and Montreal). Not much to add to recommendati...
by beachlover
Wed Nov 29, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 13091

Re: Why should I donate to my alma mater?

I give to my alma mater, but in routine and small amounts, to public service areas from which I benefit (I am still local to the area) - e.g. the art museum and public broadcasting (radio and TV) - and also to a major annual student-run medical/research fundraiser that is a vehicle for good works an...
by beachlover
Fri Oct 20, 2017 12:42 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 7991

Re: Trash dumped on curb (need advice)

HOA's do not exist to be useful. They are a way for a minority of homeowner's to control their neighbors and a source of harassment and taxes. How true. Well said. My personal experience is that HOAs and similar can protect the majority of homeowners from the selfish and sometimes illegal behavior ...
by beachlover
Sun Sep 17, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 8076

Re: What is FI if you love your job? [Financial Independence]

OP, FI gives you the freedom to make career and life choices based on merits other than whether or not you'll survive financially. It's a great place from which to operate, worth achieving and worthy of some sacrifice to get there. You may love your job and your colleagues now, and can't imagine eve...
by beachlover
Wed Mar 15, 2017 12:07 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads handle allowance?
Replies: 38
Views: 4397

Re: How do Bogleheads handle allowance?

Starting in junior high each child got a stipend twice a year to cover all of their reasonable expenses plus enough extra to start a decent savings plan if they desired. You can decide up front what is covered and what isn't. ... This permitted them to manage their own money, make "safe" mistakes, ...
by beachlover
Thu Mar 02, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 124
Views: 14940

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

Well, dammit, I have done a bit more digging into the Italian Riviera and it seems like a place to go. And dammit, Venice seems like a place to go, too. What do you think of a Venice - Italian Riviera - Tuscany - Rome trip in mid-June? Better to start South and head North? My original trip was Amal...
by beachlover
Fri Dec 09, 2016 9:47 pm
Forum: Personal Consumer Issues
Topic: Frying pan recommendations
Replies: 53
Views: 8270

Re: Frying pan recommendations

We recently retired (due to health concerns from Teflon coating) our Calphalon non-stick anodized aluminum skillets for similar Calphalon skillets but with white ceramic inner coatings for non-stick. We *love* the new ones but can't yet attest to the durability of the ceramic coating. Hope it lasts ...
by beachlover
Mon Nov 21, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 14285

Re: Do you track your net worth? How long have you done so?

Valuable in what way? Are you changing your behavior based upon it? I'm not giving you a hard time I'm just seeing a lot of folks responding to the question saying "Yes I do - it's great to see it go up" but other than a morale booster - what does it really do for you? Personally I look once in a w...
by beachlover
Mon Nov 21, 2016 1:28 am
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 14285

Re: Do you track your net worth? How long have you done so?

The spreadsheet I use goes back to 2003, which was probably about the time I started thinking in earnest about retirement. I probably kept track more informally prior. While still working and accumulating, I found it worthwhile for setting goals, observing our progress and getting comfortable with p...
by beachlover
Fri Oct 21, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs and self funding
Replies: 96
Views: 11369

Re: Healthcare costs and self funding

Hopefully someone can explain this, but I thought with the elimination of preexisting conditions a chronic illness could be handled by signing up for health coverage when needed - for example if diagnosed with cancer. Obviously this would not work with acute life or death type emergencies, but why ...
by beachlover
Mon Jun 20, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: College and beyond without a credit card?
Replies: 92
Views: 8394

Re: College and beyond without a credit card?

For relative oldsters like me, our experience in youth isn’t all that relevant. In a small college town in the late 70s, the ATM network was just emerging, we routinely paid with personal checks, we could cash checks at stores that catered to students (with ID, for a fee), many stores had CC minimum...
by beachlover
Tue Jun 14, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Leisure Time versus Thriftiness
Replies: 100
Views: 12103

Re: Leisure Time versus Thriftiness

If I'm willing to spend my leisure time arguing for how much I'm willing to spend to protect it, then at first blush I'd guess that the value of that time is pretty low. ;-) On the one hand, being retired (and with no desire for more paid work), managing household finances is perhaps my primary occu...
by beachlover
Mon Apr 25, 2016 11:13 pm
Forum: Personal Consumer Issues
Topic: Who's used Extended Stay hotels?
Replies: 27
Views: 3737

Re: Who's used Extended Stay hotels?

I've used Oakwood Corporate Housing on two occasions (once in LA and once in Arlington, VA). Both were nice - furnished apts with full kitchens, outdoor pool in LA. Arlington was right over the Crystal City metro station - very convenient for DC and less than half the price of a standard room at the...
by beachlover
Sat Apr 16, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 9362

Re: A Month in Manhattan

Lots of good suggestions here. I won't repeat them. NYC flea markets offer interesting excuses to explore the neighborhoods: http://www.timeout.com/newyork/shopping/best-flea-markets Walking the highline on a nice morning/afternoon: http://www.thehighline.org/ Do explore the neighborhoods. Sounds li...
by beachlover
Thu Feb 25, 2016 12:13 pm
Forum: Investing - Theory, News & General
Topic: tax-efficient investing and charity
Replies: 23
Views: 2112

Re: tax-efficient investing and charity

While I can see the point in principle, I'm surprised that in a forum that routinely bashes the built-in inefficiency of mixing insurance and investment goals within whole life products, for example, that the idea that deliberately overpaying taxes is a reasonable substitute for directed charitable ...
by beachlover
Thu Feb 25, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Rental Property Near University, Thoughts?
Replies: 50
Views: 4029

Re: Rental Property Near University, Thoughts?

This hasn't crossed my mind as a risk factor. Thanks for letting me know. I can see this happening. Landmark Properties is key player in this market (check out the "Our Communities" tab on their website - you have to scroll down a bit): http://www.landmark-properties.com/ Toll Brothers has been get...
by beachlover
Wed Feb 24, 2016 6:24 pm
Forum: Investing - Theory, News & General
Topic: Rental Property Near University, Thoughts?
Replies: 50
Views: 4029

Re: Rental Property Near University, Thoughts?

I know that this can change in the future, if the city allows the university to buy more adjacent land, build/buy more housing, or allow for taller buildings... I won't tell you you're wrong, but FWIW... We are long-term residents of a relatively small town that is home to a major state university....
by beachlover
Mon Sep 07, 2015 9:43 pm
Forum: Personal Consumer Issues
Topic: Best Small Purchases (Around the house)
Replies: 133
Views: 19735

Re: Best Small Purchases (Around the house)

Outdoor TV antenna - free over-the-air digital broadcast is great for hi-def ABC, CBS, NBC, PBS, and FOX (plus a few local also rans). We augment with Netflix and streaming programming from the web using Chromecast.
by beachlover
Fri May 01, 2015 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Value of personal time
Replies: 24
Views: 3335

Re: Value of personal time

Interesting discussion. I've always felt that it only makes sense to assign an hourly value to time in cases where there would be a measurable opportunity cost to spending time doing one thing versus another - e.g. if I would otherwise do paid work for $XX per hour, then my cost of dong something un...
by beachlover
Fri Apr 24, 2015 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Daycare, nanny, Montessori
Replies: 16
Views: 2289

Re: Daycare, nanny, Montessori

... Taking montessori off the table for now, but now i'm curious why it be something quasi political. I'll do more research into that. Our kids attended Montessori for a couple of years each prior to starting public school in first grade. In our area, as far as we could tell, there was nothing poli...
by beachlover
Tue Jan 06, 2015 8:45 pm
Forum: Personal Consumer Issues
Topic: 2 Weeks in Greece
Replies: 15
Views: 2333

Re: 2 Weeks in Greece

I would also like to pick up some basic Greek language skills. Any recommendations? I have had much success using the Pimsleur comprehensive series for learning languages for travel, including some Greek for a trip a few years ago. These are all audio, conversational courses, easy to do a lesson wh...
by beachlover
Sat Dec 27, 2014 9:35 am
Forum: Personal Investments
Topic: Question on Pa income tax on non-resident Vanguard accounts
Replies: 4
Views: 771

Re: Question on Pa income tax on non-resident Vanguard accou

Thanks, all, for the confirming replies. It seemed to me that that must be the case. This helps.
Best,
-BL
by beachlover
Sat Dec 27, 2014 12:32 am
Forum: Personal Investments
Topic: Question on Pa income tax on non-resident Vanguard accounts
Replies: 4
Views: 771

Question on Pa income tax on non-resident Vanguard accounts

One of my adult children, formerly a Pennsylvania resident, has been a resident of another state for several years. She files personal income taxes (which I still help to prepare) with the IRS and the current state/locality of residence. We just received a notice from PA Department of Revenue inquir...
by beachlover
Sat Nov 29, 2014 11:57 am
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 158
Views: 27072

Re: Documentaries to recommend?

Love this topic. Will have to check out recommendations. A few recent favorites include: A Man Named Pearl - http://www.docurama.com/docurama/a-man-named-pearl-dvd-cd-set/ - about Pearl Fryar - an amateur gardener who made a labor of love in transforming his suburban property into a topiary extravag...
by beachlover
Wed Oct 22, 2014 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 194
Views: 26353

Re: Gross Yearly Income needed in Retirement (Speculation)

...Here are the parameters. -You own a house and it's paid for free and clear -You own cars outright -You have no debt of any kind whatsoever -You want to live a middle to upper middle class lifestyle in retirement -You'd like to be able to travel several times a year -You'd like to be able to enjo...
by beachlover
Tue Jul 08, 2014 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: When you retire you plan to?
Replies: 44
Views: 4827

Re: When you retire you plan to?

pennstater2005 wrote:Stay in my current home and become a snowbird.
+1

Stay in our house for now and explore various warmer locations for winter.
by beachlover
Tue Feb 11, 2014 11:39 pm
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 12053

Re: Raising kids in a small town vs. big city/suburbs

For sure, parenting, peers, schools, creative opportunities, role models and community expectations all may factor into your kids' success. Lots of variations on those to be found in both small and big towns. For what it's worth, we've been very happy to have raised our kids in university town. Whil...
by beachlover
Tue Feb 04, 2014 9:17 pm
Forum: Investing - Theory, News & General
Topic: What is your targeted annual retirement income in today's $
Replies: 50
Views: 7905

Re: What is your targeted annual retirement income in today'

2) SS estimate (for two individuals based on actual earnings and SS calculator for one, 1/2 spousal for other ) ????? At FRA a non-working spouse can receive SS benefit equal to 1/2 of working spouse's benefit (actually, spousal benefit is equal to greater of 1) the benefit he/she would be entitled...
by beachlover
Mon Feb 03, 2014 9:19 pm
Forum: Investing - Theory, News & General
Topic: What is your targeted annual retirement income in today's $
Replies: 50
Views: 7905

Re: What is your targeted annual retirement income in today'

For full disclosure, our vote includes: 1) DC pension (known non-cola projection) 2) SS estimate (for two individuals based on actual earnings and SS calculator for one, 1/2 spousal for other) 3) 2.5% portfolio withdrawal ( 'cause we can) 4) pre-tax (I treat future taxes as projected expenses) 5) fo...
by beachlover
Wed Oct 09, 2013 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my life insurance?
Replies: 10
Views: 1149

Re: Should I keep my life insurance?

If you've determined your return on investment going forward, it's competitive with other alternatives and your don't have a better use for the premiums, then why not keep the policy as part of an overall diversified portfolio/plan? Depending on the amount of the insurance, another possible use coul...
by beachlover
Mon Jul 29, 2013 11:10 pm
Forum: Personal Consumer Issues
Topic: Family vacation - need some bogle wisdom
Replies: 18
Views: 2390

Re: Family vacation - need some bogle wisdom

RE: museums, the Smithsonian natural History Museum in DC is much better than American Museum in NYC (IMHO). Also, if deciding what to do where, the Smithsonian museums are free for the most part (except for add-ons like IMAX shows). NYC museums for the most part are not. The Metropolitan Museum of ...