Search found 927 matches

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: 152
Views: 12514

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: 53
Views: 4490

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: 53
Views: 4490

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: 4131

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: 1967

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: 1967

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: 4131

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: 6099

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: 1529

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: 3719

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: 3487

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: 962

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: 4434

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: 8992

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: 6731

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: 17253

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: 1206

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: 1522

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: 133
Views: 11657

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: 2355

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: 2294

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: 1312

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: 3473

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: 3007

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 ...
by Jazztonight
Sat Sep 15, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11740

Re: Age in Bonds - Still Recommended?

I liked the concept of Age in Bonds when I was trying to figure out a comfortable allocation. What I realized was that I’m fiscally conservative and don’t want a lot of risk—I worked too hard to earn, save, and invest this money. When I hit 40/60 I realized it was a sweet spot for me. That was 12 ye...
by Jazztonight
Fri Sep 14, 2018 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Requesting to go part time - negotiating strategies
Replies: 45
Views: 5062

Re: UPDATE: Requesting to go part time - negotiating strategies

In the end, it really depends on how valuable an employee you are. I went through this in 2000 after having worked at my company for 17 years as a health care provider. Before approaching my supervisor (he was a real jerk), I lined up two other work possibilities, neither of which I wanted, but woul...
by Jazztonight
Fri Sep 14, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2897

Re: Picking a Charity

1) Local food bank. Nobody should go hungry in our country. But, unfortunately, many do. 2) Local homeless shelters. KlangFool +1 Also: Mazon.org is A Jewish response to hunger. They donate contributions nationally and globally to food banks. They’ve been my go-to charity for years. While on the ro...
by Jazztonight
Fri Sep 14, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: When to Retire
Replies: 48
Views: 6736

Re: When to Retire

Barb, If you are asking for permission to retire at 65, I’m happy to give it to you. Sounds like you’re burning out. If you think you and DH can afford to live, just do it. Be prudent financially. Life is sometimes shorter than you think. Personally, my retirement years have been wonderful. Good luck!
by Jazztonight
Thu Sep 13, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10324

Re: Massive Student Loan Debt - Fiancee

I initially hesitated to jump into the discussion, but I see I'm not the only one who sees a possible train wreck waiting to happen. I married "for love" the first time around. The love did not survive the financial differences and philosophies that emerged. After my divorce, I was the one who inher...
by Jazztonight
Wed Sep 12, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2915

Re: Toilet Makes A Flushing Sound Occasionally

When I replaced the flapper in one of our two toilets, I should have replaced it in both toilets; the second one needed replacing within 6 months. They were exactly the same age.

Learned my lesson.
by Jazztonight
Wed Sep 12, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3152

Re: Remodel for aging in place

I'm going to risk introducing a different take on this issue. When my DW and I moved from a 4-level house in the hills to a totally accessible apartment in a downtown building eight years ago, she thought it would be helpful as we got older (e.g., we could "age in place.") The first thing I noticed ...
by Jazztonight
Tue Sep 11, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Singing/Voice Classes
Replies: 20
Views: 1380

Re: Singing/Voice Classes

Thank you all for the responses. I think I'll give it a shot! I encourage you to take lessons and sing. Voice is the instrument that we all have access to. Many people don't realize that there's more to singing than just, well singing. If you want to take it to the next level, it really helps to kn...
by Jazztonight
Sat Sep 08, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 87
Views: 8889

Re: Ancestry / 23andMe

I was not (and still am not) overly concerned with the health results, but I did score BIG with the "lost relatives" aspect of 23 and Me. My father's aunt's family showed up out of nowhere, and I now have another branch of my family I didn't even know existed. My daughter and her son were actually a...
by Jazztonight
Tue Sep 04, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Sell our new home to downsize
Replies: 37
Views: 3498

Re: Sell our new home to downsize

Reading between the lines of your excellent presentation, it seems to me you've already made your decision to sell and downsize.

Given your wife's desire to decrease her work hours and the added monthly income, it makes sense.

Best of luck!
by Jazztonight
Tue Sep 04, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9671

Re: How to "waste" money on groceries?

My spouse buys fresh fruits and vegetables that she knows she will never touch. She has a mold garden growing in the fridge and on the kitchen counter. She seems to love fruit flies, too... If we didn't have maids that showed up twice month, the entire kitchen would be filled with moldy, goo-ey str...
by Jazztonight
Tue Sep 04, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: BH Musicians, your feedback for the violin noobie?
Replies: 9
Views: 640

Re: BH Musicians, your feedback for the violin noobie?

Seven months is a good interval to check your progress. I hear subtle differences and a general improvement. Your intonation has improved; you're closer to the center of the note, which is good. When you add vibrato it will get even better. You are playing with more confidence, which is a result of ...
by Jazztonight
Mon Sep 03, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9889

Re: What will you do when you find you have more money than expected?

What will I do?

I'm doing it. Living to the best of my ability, taking care of myself, adding adventures, making sure I don't waste too much of whatever time is left.

The same as I'd do regardless of how much money I have.
by Jazztonight
Mon Sep 03, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: The future of my journals and logs
Replies: 45
Views: 4251

Re: The future of my journals and logs

You bring up a good topic, and one I've thought about for the decades I've been journaling and keeping copies of my correspondence with friends around the country and the world. The probable truth is that no one will care about any of this, including my two adult children. Unless you reach a certain...
by Jazztonight
Thu Aug 30, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8513

Re: Mega Downsize....

Silver Bullet: This is not rocket science. You're downsizing, you have too much stuff, and you need to take action. Start with the low-hanging fruit! Clothing and books. Box it all up, put it in bags, and drag it over to Goodwill or Salvation Army, the library, or someplace that will take it all wit...
by Jazztonight
Thu Aug 30, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3222

Re: Piano for a child

I'll weigh in here. I'm a professional musician with a degree in music. (Definition of a professional: you get paid to play.) Regarding what keyboard to get: there was a time when many homes had a real piano. Mine did, and my mother was a good player. There were only a few times in my life when I di...
by Jazztonight
Tue Aug 21, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry - Considering Purchase - Panoramic Sunroof?
Replies: 30
Views: 1820

Re: Toyota Camry - Considering Purchase - Panoramic Sunroof?

I love my 2002 Camry. I specifically did NOT get a sunroof.

Prior to the Camry, I had a Lexus. The sunroof mechanism broke right after the warrantee expired. I learned my lesson.

DW has a Mercedes and seems to like her sunroof. It's the only thing on her car that hasn't needed repair.
by Jazztonight
Mon Aug 20, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14965

Re: As an American, where are some great places in the world to retire?

OK, so you purchased 8 years ago - in 2010. That was when housing prices were still in the dumps. If someone wanted to buy now, in 2018, they're looking at a minimum of $600k for Oakland, San Leandro, Berkeley. Assuming a 20% downpayment, and a 30 year mortgage, that's a house payment of $2432 per ...
by Jazztonight
Sun Aug 19, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Sunglasses for kids?
Replies: 8
Views: 806

Re: Sunglasses for kids?

Cheap sunglasses are not going to cause damage. They're just not going to provide much protection or comfort. Dark lenses absorb light. UV protection blocks UV. Polarized lenses cut glare. Anti-reflection coatings reflect light. Period. Maybe get your kids a strap to keep the sunglasses on their hea...
by Jazztonight
Sun Aug 19, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14965

Re: As an American, where are some great places in the world to retire?

YMMV Oakland has the random gun violence issues and urban blight Most cities have violence, and I mentioned crime in my post. As far as urban blight, perhaps you haven't been to Oakland lately and seen the construction and other projects going on. PM me and visit, and I'll show you around. We lived...
by Jazztonight
Sat Aug 18, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 49
Views: 37541

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

I was an optometrist for 37 years, and have heard every optical-related horror story you can imagine. It's part of the business. People have had great and/or horrendous experiences at virtually every provider of eye care and glasses. This goes for private opticals, optometrists, ophthalmologists, un...
by Jazztonight
Sat Aug 18, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 49
Views: 37541

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

Get your prescription and pupilary distance and go to zenni or goggles4u or any online company and get your frame measurements and pay 1/10th the cost for glasses from now on Your recommendation is well-intended, but the OPs Rx and needs are way beyond what Zenni or another online, no-visit provide...
by Jazztonight
Sat Aug 18, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14965

Re: As an American, where are some great places in the world to retire?

VinVedii wrote:
Sat Aug 18, 2018 1:18 pm
YMMV Oakland has the random gun violence issues and urban blight
Most cities have violence, and I mentioned crime in my post.

As far as urban blight, perhaps you haven't been to Oakland lately and seen the construction and other projects going on. PM me and visit, and I'll show you around.
by Jazztonight
Thu Aug 16, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14965

Re: As an American, where are some great places in the world to retire?

Evidence shows that moderate (mediterranean) climate is good for longevity... That's why I'm staying where I am, in Oakland, CA. https://en.wikipedia.org/wiki/Oakland,_California "Oakland has a warm-summer Mediterranean climate with an average of 260 sunny days per year. In general, the city featur...
by Jazztonight
Thu Aug 16, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 3184

Re: Celebrating the day you retired

Great question, and it brought back a good memory. I finally retired from my day gig after 37 years, but was also performing as a musician with my band at a local restaurant every week at the time. I talked to the restaurant owner and we worked out a deal to reserve about 25 or 30 seats at several t...
by Jazztonight
Thu Aug 16, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 52
Views: 3182

Re: Where to buy white, athletic fit dress shirt?

This may be your shirt: https://www.josbank.com/traveler-collection-tailored-fit-button-down-collar-dress-shirt-5AAH Two for $89. Can't be sure, but I may be built similar to you. Decent shoulders (from exercise) and relatively thin waist. I don't like baggy dress shirts, and this is the model at Jo...