Search found 953 matches

by Jazztonight
Mon Jun 17, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 3772

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

<Sigh> Disclosure: I am a retired optometrist, and I see that I've been on this forum since 2007. Since that time, I have seen many hundreds of similar posts about eyeglasses and responded to many of them. Here's my overview response. Take it for what it's worth--just my honest opinion. First of al...
by Jazztonight
Mon May 20, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: Booking a cruise - any differences in how/where?
Replies: 37
Views: 3375

Re: Booking a cruise - any differences in how/where?

I think the ship--the Pacific Princess--has a capacity of 600 guests. It's a "boutique cruise ship," and this will be her final voyage, I'm told. Is that the ship that is the 7th (or 8th?) of almost identical ships that have ended up at Oceania and Azamara? RM There were eight R-class built: https:...
by Jazztonight
Sat May 18, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Booking a cruise - any differences in how/where?
Replies: 37
Views: 3375

Re: Booking a cruise - any differences in how/where?

I think the ship--the Pacific Princess--has a capacity of 600 guests. It's a "boutique cruise ship," and this will be her final voyage, I'm told.
by Jazztonight
Fri May 17, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Booking a cruise - any differences in how/where?
Replies: 37
Views: 3375

Re: Booking a cruise - any differences in how/where?

Hope you enjoy your cruise! DW and I go on one to two cruises a year. We've worked with a particular cruise travel agent for years. He's gotten us very good deals, and throws in his own shipboard credit/discount on top of everything we've been able to find on our own. Also, after we pay the deposit ...
by Jazztonight
Tue Apr 30, 2019 11:37 pm
Forum: Personal Consumer Issues
Topic: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year
Replies: 56
Views: 8673

Re: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year

Find A Lake :happy Toons, you seem to have a talent for solving a long, complicated discussion in the fewest possible words! There have been many studies about how bodies of water draw humans to them. Here's an article I easily found that gives some background about the psychology of "blue" and "ha...
by Jazztonight
Tue Apr 23, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Single Family House - aging in place challenges
Replies: 47
Views: 2678

Re: Single Family House - aging in place challenges

After 26 years of living in single-family homes DW and I downsized to a large co-op apartment in a 55 unit building downtown. We don't regret it for a minute. It turns out we're not alone. There are many others in our building who have been aging here in place for 20 or more years. It's level-in. No...
by Jazztonight
Mon Apr 15, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 65
Views: 3908

Re: Newbie international traveler

Our plan is to come home with about 40 or 50 euro, so that on our next trip we are not running to an ATM as soon as we land. It’s worked well for us. Euros are not going anywhere anytime soon. It's okay for you to hang onto them for your next foreign trip. Even though their currency is regularly de...
by Jazztonight
Mon Mar 25, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: Good Camping Tent?
Replies: 28
Views: 1711

Re: Good Camping Tent?

I walked 2,644 miles across America last year and camped 2-3 days out of every 5. https://www.robertschoen.com/faq/ I was by myself, and used the Kelty Salida 2 (3 season) tent. I had the rain fly and the footprint as well. I was not carrying a backpack, but rather pushing a modified jogging cart. T...
by Jazztonight
Fri Mar 08, 2019 12:56 am
Forum: Personal Consumer Issues
Topic: If you have a serious health problem, do you retire or?
Replies: 50
Views: 6388

Re: If you have a serious health problem, do you retire or?

Alex Trebek is a well-liked and respected celebrity. We're probably all sad that he's ill. "Fighting" cancer or any illness is a concept that is not clear to me, although thinking back I guess I've fought illnesses and other battles along the way. When financial resources are not an obstacle, one ca...
by Jazztonight
Thu Mar 07, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6127

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I commend you on your goals and perseverance. Keep at it! Sometimes I wonder why I am doing this! I retired two years ago when I was 73. I have taken a course in photography that was a lot of fun and plan to take a Masters Gardener Class in the Fall. It is through and extension of Michigan State. O...
by Jazztonight
Wed Mar 06, 2019 1:12 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6127

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I can see that the subject matter and the level of teaching are major issues. In my 50s I returned to a 4 year state university to study music. I stayed for 4 years, and can tell you that I was totally immersed in the subject matter, it was challenging, and I worked very hard. Not all of my classmat...
by Jazztonight
Tue Jan 22, 2019 6:31 pm
Forum: Personal Investments
Topic: Rethinking the bond percentage.
Replies: 43
Views: 3844

Re: Rethinking the bond percentage.

Review: Risk Tolerance (what is your "sleep factor"?) https://www.bogleheads.org/wiki/Risk_tolerance At age 60 I went to 40/60. That was 12 years ago and I've never looked back. Once in a while, when the stock market is going wild in an upward direction, I think, "Hmmm." But then I remember that I ...
by Jazztonight
Wed Jan 16, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 72
Views: 5684

Re: Swimming, do you? Advice sought.

I don't think anyone has brought this to your attention yet, so perhaps I'll be the first. Total Immersion Swimming is incredibly beautiful. Please look at this: https://www.youtube.com/watch?v=rJpFVvho0o4 I took the weekend workshop in San Mateo last year. It was the first time I ever really enjoye...
by Jazztonight
Wed Jan 16, 2019 8:49 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 51568

Re: John Bogle is dead at 89

John Bogle affected so many of our lives in a positive way. He was unselfish, generous with his time and wisdom, and made the world a richer place in which to live in more ways than one. The one time I was in the same room with Jack I had the foresight to take a selfie photo of myself with him. I sm...
by Jazztonight
Tue Dec 18, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Mentally active retirement communities
Replies: 9
Views: 1030

Re: Mentally active retirement communities

As a musician who performs at a variety of retirement facilities, I'm aware of the wide range of activities offered in the various places. Some are more social, others more intellectual, and still others more acitivity-based. At larger and more up-scale facilities, there appears to be a more diverse...
by Jazztonight
Tue Dec 18, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)
Replies: 34
Views: 2639

Re: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)

I like my Uplift Desk. Put my own top on their hardware. Had the unit for several years, and no problems.

Come over and see it if you'd like 8-)
by Jazztonight
Fri Dec 07, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Retaining mental sharpness in retirement communities?
Replies: 8
Views: 1487

Re: Retaining mental sharpness in retirement communities?

Congratulations on your upcoming move! Although my wife and I do not live in a retirement community (her choice; we live in a downtown apartment building), I perform music for the residents of several nearby facilities, and have 5 or 6 close friends who live in different retirement places, so I'm fa...
by Jazztonight
Sun Nov 11, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Planet Fitness etc.,
Replies: 51
Views: 4584

Re: Planet Fitness etc.,

The only time I walk into a gym is when I'm on a cruise ship. The first few days, people are lined up to use the treadmills and a few other machines. (I ignore the machines, grab a yoga mat, and just work out while listening to music on my iPhone). I'll never understand why, on an ocean cruise to Ha...
by Jazztonight
Sat Nov 10, 2018 11:36 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 55
Views: 6651

Re: Warren Buffett Books

I read Snowball when it came out and found it fascinating. The book opens a window into Buffett's early naivety about discrimination in the financial industry, and describes how he took a stand, particularly in Omaha, and "did the right thing." While he many not be perfect (who is?), his philanthrop...
by Jazztonight
Thu Nov 08, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: 1/3 of Baby Boomers have no retirement savings...
Replies: 77
Views: 8483

Re: 1/3 of Baby Boomers have no retirement savings...

Considering the fact that the Baby Boomer generation is collectively the wealthiest generation of people that have ever lived on planet earth, I'm not sweating their chances at decent retirements too much. Key word here is "collectively." The wealth is not evenly distributed. I saved ferociously an...
by Jazztonight
Thu Nov 08, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: 1/3 of Baby Boomers have no retirement savings...
Replies: 77
Views: 8483

Re: 1/3 of Baby Boomers have no retirement savings...

Considering the fact that the Baby Boomer generation is collectively the wealthiest generation of people that have ever lived on planet earth, I'm not sweating their chances at decent retirements too much. Key word here is "collectively." The wealth is not evenly distributed. I saved ferociously an...
by Jazztonight
Thu Nov 08, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15508

Re: How much money are you leaving your kids after you die?

After I inherited from my father after he died at 96, I decided that it would be more beneficial to help my two children out now, when they could use my help rather than wait for a time in a possible future when I was in my 90s and they were in their 70s. One of my adult children was still strugglin...
by Jazztonight
Wed Oct 31, 2018 8:12 pm
Forum: Personal Investments
Topic: Can I retire??
Replies: 26
Views: 3242

Re: Can I retire??

Remember this: Retirement is not just about not working. A successful retired life consists of filling your time with productive activities, affordable travel, being with family and friends, personal and spiritual growth, and most of all taking care of yourself. That means diet and exercise. Hope yo...
by Jazztonight
Mon Oct 29, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 81
Views: 11328

Re: Becoming frugal

sport wrote:
Sun Oct 28, 2018 5:07 pm
I am surprised no one mentioned this, it might be the most important of all:
Choose your spouse carefully.
Do me a favor and tell me that 50 years ago.
by Jazztonight
Sun Oct 28, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: What is a reasonable housecleaning cost?
Replies: 27
Views: 2581

Re: What is a reasonable housecleaning cost?

SF Bay Area. We pay a two-person team $100 every 2 weeks for our 3BR 2BA apt. They also clean up the 40 ft. deck. Once every couple of months, we ask them to clean the fridge. If it weren't for the cat, our home would stay cleaner longer, but such is life. We've had the same team of 2 women for at l...
by Jazztonight
Sat Oct 27, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9690

Re: Girlfriend's Student Loans

I can't believe I'm saying this, because I hate debt--especially school-related debt. But $100k does not seem to me to be an excessive amount to have borrowed to go to college and get a teaching degree. What GF decides to do now and in the future is a more important matter. Until and if they marry, ...
by Jazztonight
Sun Oct 21, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17447

Re: Where would you go for financial guidance if you win the Megamillions?

VictoriaF wrote:
Thu Oct 18, 2018 12:16 pm
Don't bother with small change. Skip this Friday and play for 3 commas next week.

Victoria
I took Victoria's advice, since she always seems to know what she's talking about.
by Jazztonight
Sat Oct 20, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 6209

Re: Cross-country trip via Amtrak

bhsince87 wrote:
Fri Oct 19, 2018 9:21 pm
If I recall correctly, a few years ago, poster here did a sort of real time, rolling story of his journey across the country on train.

I can't seem to find it though. :(
Thanks for remembering it! I've posted the link.
by Jazztonight
Sat Oct 20, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 6209

Re: Cross-country trip via Amtrak

Not only did I take a roundtrip Amtrak excursion across the US for my 50th high school reunion, but I wrote all about it on the Bogleheads forum. Here's the link: https://www.bogleheads.org/forum/viewtopic.php?t=143434#p2130574 I plan to do it again next summer for my 55th high school reunion. Be pr...
by Jazztonight
Tue Oct 16, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4470

Re: Relocation to California

While it certainly costs more to live in CA than TX, somehow people all along the income spectrum manage to do it. I think that has been changing at least for what I see in the Bay Area. The lower income is being squeezed out of the state or forced to commute hours to work. Or they they are living ...
by Jazztonight
Tue Oct 16, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 39
Views: 2136

Re: Kaiser or CareFirst

Glad to hear the OP is giving Kaiser a try. My DW and I have been happy with the care we've received there since 1983. My PCP is great, and DW feels the same about hers. We have always gotten referrals to excellent specialists. Some of my own colleagues have worked at Kaiser (I did not) and have ha...
by Jazztonight
Tue Oct 16, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 39
Views: 2136

Re: Kaiser or CareFirst

Glad to hear the OP is giving Kaiser a try. My DW and I have been happy with the care we've received there since 1983. My PCP is great, and DW feels the same about hers. We have always gotten referrals to excellent specialists. Some of my own colleagues have worked at Kaiser (I did not) and have had...
by Jazztonight
Tue Oct 16, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4470

Re: Relocation to California

Yeah, no one wants to live in SoCal - it's too crowded there. :oops: This sums it up. My sister and her family live in the San Fernando Valley. She absolutely loves it there, and would never live anywhere else. Of course she moved from upstate NY, but that's another story. (btw, I live in Northern ...
by Jazztonight
Mon Oct 15, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6615

Re: When to stop putting money into an older vehicle

I have a 1978 Toyota Corolla that runs well enough for me, it has 380k, I have maintained through the years and it was very dependable, I think I can drive it another 20 years and may be to hell or heaven who knows. :sharebeer I can't one-up you on this, but I'll just say that I drive a 2001 Toyota...
by Jazztonight
Sat Oct 06, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Former Employer Contracting Opportunity - Share Your Thoughts
Replies: 29
Views: 1697

Re: Former Employer Contracting Opportunity - Share Your Thoughts

Sounds to me like they need you more than you need them. If you are content in your retirement, why even consider an offer that is an insult? Time is the only thing you have left, and as you get older you have less of it. I'd tell them to take a hike and not darken your door again. If they approach ...
by Jazztonight
Sat Oct 06, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take a pretty big pay cut to become a diplomat?
Replies: 32
Views: 3961

Re: Should I take a pretty big pay cut to become a diplomat?

Don't let money get in the way of your escape from boredom. Try to imagine your 65-year-old self. What advice or recommendation would that "future you" give? My personal experience: I gave up 60% of my income at age 54 to pursue a more interesting and challenging path. My circumstances were differe...
by Jazztonight
Tue Oct 02, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Found credit cards - annoying interaction with Bank of America
Replies: 31
Views: 3742

Re: Found credit cards - annoying interaction with Bank of America

First, I'm glad you tried to do the right thing. The world is a crazy place today because of cybersecurity and cybertheft. You can add cyberstupidity to the list. On my recent cross-country walk I found (along with several cellphones, many used syringes, and lots of other interesting stuff) two wall...
by Jazztonight
Mon Oct 01, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Lifetime alignment services
Replies: 14
Views: 1016

Re: Lifetime alignment services

Years ago I bought the lifetime alignment at Firestone. I’ve used it 8 or 10 times, including this past weekend.
I don’t drive much these days, so I ask for the free alignment each time I take the car in for service. I’m sure it’s paid for itself more than once.

It was certainly worth it for me.
by Jazztonight
Sat Sep 29, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 47
Views: 4718

Re: Experience With No Car? (Uber/Lyft)

What are the major things you use the car for? Shopping? Then get groceries delivered from Costco, Whole Foods (Amazon Prime), or other local grocery stores. It's not terribly expensive imho, and worth it. (For Costco's 2 hour delivery service you pay about $1 per item over what it would cost to dri...
by Jazztonight
Fri Sep 28, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 9258

Re: Losing Passion for Hobbies. Cheap or normal aging?

Let me suggest that you consider pursuing something that is less "hobby" and more "passion." Specifically, I'd suggest trying something that will go against the grain of your physical activities of the past: take up a musical instrument or art form. That way, by the time you're really old (e.g.50, 6...
by Jazztonight
Fri Sep 28, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 7120

Re: New Relationship - Best way to handle finances?

This thread has been very painful for me to read. I hope you, the OP, take the advice given to you. Otherwise, I see a sad future and probable expensive divorce for you. Having gone through a divorce where I lost everything and was paying more in support than I earned, I vowed this would never happe...
by Jazztonight
Fri Sep 28, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 92
Views: 18944

Re: Why Edward Jones?

Okay, here's something you probably don't know about Edward Jones. In my recent coast-to-coast walk across the US, I hiked for about a hundred miles on the Katy Trail a "Rails-to-Trails" bicycle and walking path that runs along the Missouri River. It's just wonderful! https://en.wikipedia.org/wiki/...
by Jazztonight
Thu Sep 27, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Piano Tuning - Cost and Recommendations
Replies: 11
Views: 1265

Re: Piano Tuning - Cost and Recommendations

Great idea to get your piano tuned. I’m a professional musician, I also have a Yamaha studio upright, and pay $100-150 per tuning, usually every 12-18 months. The more regularly you tune it, the better it will be. Keep it away from heat vents, windows, and exterior walls if you can. I agree that yo...
by Jazztonight
Sat Sep 22, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Change Careers -- slower path to retirement
Replies: 6
Views: 1963

Re: Change Careers -- slower path to retirement

Please allow me to interject another element to this discussion. I recently took part in a workshop where the participants were asked to take 5 minutes to answer this question in writing: If I knew I only had 1 year to live, I would... (Then you filled in the page with your answer.) The next step wa...
by Jazztonight
Thu Sep 20, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 132
Views: 12159

Re: Did you really have something to retire to?

I unequivocally retired "to" solid plans. And I would not have it any other way. 1. I had numerous interests that I could not attend to while I was working. 2. My guiding principle was Benjamin Franklin's maxim that "failing to plan is planning to fail." 3. I followed Stephen Covey's "big rocks" mo...
by Jazztonight
Thu Sep 20, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: YouTube Home workout vidoes
Replies: 33
Views: 2565

Re: YouTube Home workout vidoes

If you once had a pull-up bar, and could actually DO pull-ups, why in the name of heaven would you not have a pull-up bar now? Do you realize how important pull-ups are, and how people envy a person who can do pull-ups? My advice (use good form): 5 pull-ups then 5 Burpees (each with a pushup, of cou...
by Jazztonight
Mon Sep 17, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: how do/did you teach your kids finances/investing?
Replies: 28
Views: 2403

Re: how do/did you teach your kids finances/investing?

How did I teach my kids about finance & investing? Ha. I have two adult children. The older has never learned how to manage her money. She and her husband spend their income faster than it comes in, and run credit card balances that scare me. I've stepped in and used part of her inheritance to liqu...
by Jazztonight
Mon Sep 17, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: How to start a website?
Replies: 12
Views: 1359

Re: How to start a website?

Sunny_Socal, The feedback you're getting is reasonable, logical, and very Boglehead-like. Expect to spend a fair amount of time on your project at the beginning. I've gone through several iterations of websites, and each one gets more sophisticated and powerful. I'm now using WordPress (hours and ho...
by Jazztonight
Mon Sep 17, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3683

Re: a low grade in a 9th-grade test

Discussions such as this make me sad. I saw a recent article reporting that the American Academy of Pediatrics is recommending that doctors advise parents to schedule more "play" into their child's busy lives. I am grateful that my parents allowed me to follow my own path to maturity. They never for...
by Jazztonight
Mon Sep 17, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 3122

Re: are iPad Minis obsolete?

I liked my iPad, but when I needed a new phone I decided to take the advice of a guy who said that if I bought the iPhone 7+ it would be a satisfactory replacement for the iPad. He was right. Not only did I use the iPhone 7+ to chronicle my recent cross country walk (photos, blog, text), but I just ...