Search found 188 matches

by sarahjane
Mon Jul 30, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Recent Kia Soul obsedrvations
Replies: 5
Views: 949

Recent Kia Soul obsedrvations

Late 70's looking for a practical, reliable vehicle with lots of space for stuff.
by sarahjane
Mon Dec 04, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Philanthropy and related issues
Replies: 50
Views: 4461

Re: Philanthropy and related issues

I donated my entire RMD this year to keep it from the fed leeches.
by sarahjane
Mon Oct 09, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 20033

Re: Who has needed to use their umbrella insurance?

OK, I'm the one you're looking for. My spouse was in a head on vehicle accident where she was determined to be at fault. The passenger in the other vehicle died and the driver had serious injuries. The case settled for the liability limits of the auto policy plus the umbrella. Without the umbrella ...
by sarahjane
Mon Oct 09, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 19872

Re: [Boglehead vs Mr Money Mustache philosophies]

MMM is having an identity crisis. In spite of rejecting the material world, his blog is so successful, he's become a rich man, whether he chooses it or not. So his blog has lost relevance for most bgleheads.
by sarahjane
Mon Mar 27, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Does living at the beach reduce it's appeal?
Replies: 43
Views: 7993

Re: Does living at the beach reduce it's appeal?

I've lived in Ocean City, NJ for 25 years. Never a "beach person" but I love the ocean and to walk on the beach. I was an ardent windsurfer until recently and a sometimes birder. OCNJ is a dry town--no bars or booze stores which helps keep the tourists in check. I am self described anti-social so I ...
by sarahjane
Mon Mar 27, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 51
Views: 8927

Re: Anyone taken a mid-career sabbatical?

I took a one year unpaid leave to travel w/my wife: Nepal; India; East Africa; Indonesia; Australia; NZ and Fiji. Later we joined Peace Corps for 2 years in our 50s. Those were the best years of my career! Friends told me I was a fool--would never find work. That was not a problem. DON'T LET FEAR GO...
by sarahjane
Tue Mar 14, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: CCRC [Continuing Care Retirement Community]
Replies: 10
Views: 1930

CCRC [Continuing Care Retirement Community]

Would like to hear from anyone actually living in a continuing care retirement community. What's it like? Would you do it again?
by sarahjane
Mon Feb 20, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Once having achieved 30X -- share your strategy?
Replies: 42
Views: 5027

Re: Once having achieved 30X -- share your strategy?

At ages 76 and 74, 26X current annual expenses in excess of SS in CDs and insured savings (about 1/3 of investment assets) . The balance is about 30/70 equity and intermediate/short bond funds.
by sarahjane
Mon Feb 13, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Fearful Investor and Close to Retirement
Replies: 77
Views: 12167

Re: Fearful Investor and Close to Retirement

Very few of us" investment millionaires" have our expenses fully covered by guaranteed sources. So relax and enjoy your good fortune!
by sarahjane
Mon Feb 13, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay Vanguard for "extra" advice?
Replies: 9
Views: 1709

Re: Should I pay Vanguard for "extra" advice?

My understanding is that only Vgd funds are recommended. They will not deal with other investments you have. Not sure what that does for you unless you need handholding to stay the course when things are rough.
by sarahjane
Mon Feb 13, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 14298

Re: Who would quit playing if they already won?

My take was to put 25 year's estimated annual expenses (less SS) into cash equivalents. Then invest the balance however.
by sarahjane
Sun Feb 12, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 113
Views: 16161

Re: How Much Cash Do You Actually Hold?

at age 76 (spouse 74) we think we've "won the game" and keep about 33% cash
by sarahjane
Sun Jan 15, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: streaming amazon videos on HP Chromebook
Replies: 1
Views: 335

streaming amazon videos on HP Chromebook

I have HP Chromebook 14. Considering Amazon Prime to stream video. There seems to be some question whether this will work, apparently no problem with netflix only amazon.

Any of you streaming Amazon Video on a Chromebook?
by sarahjane
Thu Jan 12, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: downhill skiing
Replies: 32
Views: 2979

downhill skiing

At what age did you give up downhill skiing? I'm 76.
by sarahjane
Wed Jan 11, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: I want to go to Alaska this summer - tell me what, why and when!
Replies: 18
Views: 2427

Re: I want to go to Alaska this summer - tell me what, why and when!

I've spent several summers in Alaska. Late June/July is prime insect season. August is better. Glacier Bay is a gem! Icebergs, whales, 15000 ft mountains with glaciers calving into the sea. While there are cruises, the park runs tour boats which are more intimate. Also you can do a kayak trip. www.m...
by sarahjane
Thu Dec 08, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: Where To Shop For Used Cars?
Replies: 24
Views: 3364

Re: Where To Shop For Used Cars?

Check out manufacturers' certified pre-owned vehicles. You can get a real warranty.
by sarahjane
Tue Nov 22, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Owning a Chromebook
Replies: 77
Views: 13882

Re: Owning a Chromebook

I'm using my HP CB now. I was one of the first and use it for everything (I am not a gamer). Like anything there is a learning curve but once that is mastered, there's little reason to want a PC. I still have one which I use to print from the cloud which is an option if you don't have cloud enabled ...
by sarahjane
Mon Aug 08, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Travel for a Year with Family - Career Impact?
Replies: 35
Views: 4537

Re: Travel for a Year with Family - Career Impact?

I traveled for a year when my two boys were in college. Just my wife and I. Went to the places and did the things that warrant more than the typical two weeks. Two years later we went in Peace Corps for two years. No work experience comes close. My coworkers said I was crazy--never get a good job ag...
by sarahjane
Mon Aug 08, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: auto air conditioner recharge
Replies: 15
Views: 1899

Re: auto air conditioner recharge

AC seals can dry out unless you run it periodically off season. I recharged my 2009 Ford Flex w/ ACP-100 PRO available from Amazon. An easy fix which is in its 2nd summer. No big deal if it doesn't work.
by sarahjane
Sun Jun 26, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: Stand Up PaddleBoard Recommendation?
Replies: 15
Views: 2134

Re: Stand Up PaddleBoard Recommendation?

Wait a few years. Lots will be sitting in garages after the novelty wears off!
by sarahjane
Thu Jun 16, 2016 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 20033

Re: Who has needed to use their umbrella insurance?

OK, I'm the one you're looking for. My spouse was in a head on vehicle accident where she was determined to be at fault. The passenger in the other vehicle died and the driver had serious injuries. The case settled for the liability limits of the auto policy plus the umbrella. Without the umbrella t...
by sarahjane
Sun May 08, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Wine Buying, Rating, Storage Guides and Apps
Replies: 26
Views: 2584

Re: Wine Buying, Rating, Storage Guides and Apps

I have never been disappointed in a Robert Parker rated wine.

But I filter everything by the following: Price less than $10; Alcohol content at least 13 %. We drink wine w/dinner every night and I've learned from "experts" in Spain and Italy that do likewise what to look for in a decent table wine.
by sarahjane
Tue May 03, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Pea gravel as paver patio alternative
Replies: 28
Views: 4328

Re: Pea gravel as paver patio alternative

Consider recycled rubber mulch. Stays in place even in high wind, drains well, can be laid down several inches, has a nice feel when walked on in bare feet.
by sarahjane
Mon May 02, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 5220

Re: Sunscreen

MrNewEngland wrote:I have no idea why anyone wouldn't use spray on.
Because most of it ends up in space, not on your body. A great boon to the manufacturers!
by sarahjane
Mon May 02, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: Sunscreen
Replies: 51
Views: 5220

Re: Sunscreen

SPF 15 is sufficient. Higher SPF increases thickness of the lotion and inhibits absorption.
by sarahjane
Thu Apr 21, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 95
Views: 24408

Re: Charles Schwab Checking + Brokerage Account

I've used their checking and bill pay services for years with never a transaction in the brokerage account which just sits there unused. No issues with ATM fee reimbursement.
by sarahjane
Sat Apr 09, 2016 10:16 pm
Forum: Personal Consumer Issues
Topic: Best crash course in Spanish?
Replies: 32
Views: 4561

Re: Best crash course in Spanish?

Duolingo.com
by sarahjane
Wed Apr 06, 2016 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs and state tax
Replies: 12
Views: 1054

Re: QCDs and state tax

No charitable deductions in New Jersey.
by sarahjane
Mon Apr 04, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Need a new online bank for checking (Capital One 360, Ally?)
Replies: 22
Views: 4046

Re: Need a new online bank for checking (Capital One 360, Ally?)

I have online savings and cds w/ Ally, Barclays and CIT, but have used Schwab checking for many years for the reasons cited by others.
by sarahjane
Wed Mar 30, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Binoculars for Birding Boglehead-wise
Replies: 23
Views: 2384

Re: Binoculars for Birding Boglehead-wise

My spouse and I have had our Nikons for 25 years. I volunteered at Cape May Bird Observatory store for several years and had access to all those that a "serious" birder had to have. I never saw much difference (except the sneers on the "serious" birders' faces when eyeing my Nikons!).
by sarahjane
Mon Mar 28, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: all-in-one? (printer, scanner, copier.)
Replies: 29
Views: 3134

Re: all-in-one? (printer, scanner, copier.)

I have a Brother all-in one that's probably 10 years old and still working as new.
by sarahjane
Sun Mar 27, 2016 5:14 pm
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 10634

Re: TIPS Anyone?

Anyone holding TIPS in taxable accounts?
by sarahjane
Fri Mar 25, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: Spirit Airlines
Replies: 38
Views: 4670

Re: Spirit Airlines

Their Chairman won't fly Spirit!
by sarahjane
Fri Mar 25, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: When to take time off to travel
Replies: 32
Views: 3381

Re: When to take time off to travel

I'm retired now, but at age 40 I left my job to travel for a year. Back to work and then 5 years later a two year stint in Peace Corps. In both instances friends and colleagues questioned my sanity. These were the best experiences I've had. In all other ways I'm frugal which has helped me remain fin...
by sarahjane
Tue Mar 22, 2016 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax
Replies: 13
Views: 1465

Re: Turbo Tax

You can't see the supporting forms (aside from 1040) until you PAY.
by sarahjane
Tue Mar 22, 2016 6:24 pm
Forum: Personal Consumer Issues
Topic: Hotels in NYC?
Replies: 20
Views: 2665

Re: Hotels in NYC?

bloom2708 wrote:Hampton Inn Times Square North

Very close to the action and the rooms were newer/remodeled.
Agree and look at Hilton Garden Inn also on 8th Ave
by sarahjane
Sun Mar 13, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: When to simplify due to cognitive decline?
Replies: 39
Views: 5409

Re: When to simplify due to cognitive decline?

A problem I have with Vanguard PAS is they will not manage non-Vanguard funds or individual securities even if everything is held at Vanguard. They will move everything into Vanguard funds.
by sarahjane
Sun Mar 13, 2016 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince high NW father to dump his financial advisor?
Replies: 69
Views: 8981

Re: How to convince high NW father to dump his financial advisor?

We have assets in the same range as the OPs' parents. I have been involved with Vanguard even before it was split off from Wellington, both in a professional capacity and as an investor. Much of my legal career was spent with investment products, particularly mutual funds, so from my perspective, in...
by sarahjane
Wed Mar 09, 2016 11:14 am
Forum: Personal Finance (Not Investing)
Topic: NJ income tax return--getting form 1040
Replies: 8
Views: 1164

Re: NJ income tax return--getting form 1040

[quote="Toons"]Are you using a Windows based computer. IF so can you use Explorer? I use a Chromebook. I am able to download all other forms, including the instructions, but not the basic 1040 return. There is an automated form phone number but when I tried to order the 1040 the recording says "this...
by sarahjane
Tue Mar 08, 2016 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab online bank - reviews?
Replies: 19
Views: 5533

Re: Charles Schwab online bank - reviews?

Using Schwab Bank for years and very satisfied.
by sarahjane
Tue Mar 08, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: NJ income tax return--getting form 1040
Replies: 8
Views: 1164

Re: NJ income tax return--getting form 1040

I have been using Chrome. How can they force people into efiling by only including certain browsers. Either in the e-age or not!
by sarahjane
Mon Mar 07, 2016 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: NJ income tax return--getting form 1040
Replies: 8
Views: 1164

Re: NJ income tax return--getting form 1040

dbr

Are you using Internet Explorer?
by sarahjane
Mon Mar 07, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: NJ income tax return--getting form 1040
Replies: 8
Views: 1164

NJ income tax return--getting form 1040

I've found no way to print NJ 2015 1040. All other forms seem to be printable. Looks like a conspiracy to require using a tax service. NJ has free efile but only supports Internet Explorer.
by sarahjane
Sat Mar 05, 2016 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle a steadily declining nest egg?
Replies: 50
Views: 8174

Re: How do you handle a steadily declining nest egg?

If the "nest egg" is something to live on in retirement shouldn't one expect that it would "decline" as you do?
by sarahjane
Fri Mar 04, 2016 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policies?
Replies: 33
Views: 3863

Re: Umbrella policies?

Amica paid the policy limits under both auto and umbrella and obtained a release of all claims. This insulated us from exposure to our other assets. We were not involved in the settlement negotiations which are the province of the insurer within policy limits.
by sarahjane
Wed Mar 02, 2016 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policies?
Replies: 33
Views: 3863

Re: Umbrella policies?

My spouse was in an at fault accident where there was a fatality and severe injuries. Insured through Amica auto and umbrella. They paid the policy limits under both policies.
by sarahjane
Sat Feb 27, 2016 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 5708

Re: Buy a house at age 75?

OP here. Thank you for all of your thoughtful insights. Not an easy choice!
by sarahjane
Sat Feb 27, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 5708

Re: Buy a house at age 75?

SarahJane: Do I understand that the plan, at age 75, is to sell the hard-to-sell house & buy another for a few years before selling it to move to a CCRC? There are a lot of "friction" costs with selling houses & moving: realtor & other closing costs, staging for resale, hiring packers & movers, etc...
by sarahjane
Sat Feb 27, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 5708

Re: Buy a house at age 75?

I am 75, spouse 73. Unhappy in current home. Would it be crazy to sell and buy again at our ages? I am curious as to what specifically are you unhappy about. We, rather I, often toy with moving. But always come back to the same conclusion - make what we have better. Your situation may be different....
by sarahjane
Fri Feb 26, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 5708

Buy a house at age 75?

I am 75, spouse 73. Unhappy in current home. Would it be crazy to sell and buy again at our ages?