Search found 942 matches

by Jazztonight
Tue Jan 22, 2019 6:31 pm
Forum: Personal Investments
Topic: Rethinking the bond percentage.
Replies: 43
Views: 3665

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: 32
Views: 2391

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: 49250

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: 1001

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: 1937

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: 1477

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: 4550

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: 6499

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: 8407

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: 8407

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: 15300

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: 3180

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: 11159

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: 2531

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: 9564

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: 17182

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: 5941

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: 5941

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: 4340

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: 2115

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: 2115

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: 4340

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: 6538

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: 1651

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: 3894

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: 3702

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: 1010

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: 4644

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: 9185

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: 7043

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: 18172

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: 1244

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: 1772

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: 11987

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: 2516

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: 2352

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: 1342

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: 3606

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: 3100

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: 12319

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: 5309

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: 3011

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: 6831

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: 10721

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: 3012

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: 3239

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: 1431

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: 9298

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: 3604

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: 9973

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...