Search found 910 matches

by Jazztonight
Sat Sep 22, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Change Careers -- slower path to retirement
Replies: 6
Views: 1468

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: 10993

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: 25
Views: 1490

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: 2178

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: 1246

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: 3328

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: 2937

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: 142
Views: 10200

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: 4955

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: 2728

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: 6669

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: 9999

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: 2823

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: 3051

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: 1325

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: 8833

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: 3421

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: 9460

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: 607

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: 9695

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: 4148

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: 8333

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: 3102

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: 1790

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: 14713

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: 795

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: 14713

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: 34558

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: 34558

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: 14713

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: 14713

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: 3148

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: 3039

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...
by Jazztonight
Thu Aug 16, 2018 12:42 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14713

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
Wed Aug 15, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14713

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
Mon Aug 13, 2018 7:16 pm
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3468

Re: Offering 401k Advice to my coworkers?

"No good deed goes unpunished." At least you introduced Vanguard into your company. In my old company, the 401k plan was miserable. But since it was the only game available, the professional staff members chose the best alternatives, and made the best of a bad situation. The lower level (and less ed...
by Jazztonight
Sat Aug 11, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: Aqua Shoes for Beach
Replies: 16
Views: 1556

Re: Aqua Shoes for Beach

Here are the aqua shoes I bought: https://www.amazon.com/gp/product/B000V7PH8C/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 And let me tell you, they've been great! Like you, I'd also gone through all kinds of cheap water shoes, and finally decided to invest in a decent pair to wear to the beach. DW a...
by Jazztonight
Sat Aug 11, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8057

Re: Should I tell my family/friend that they are making a financial mistake?

acegolfer wrote:
Sat Aug 11, 2018 8:21 am
If someone tells me I'm wrong about something, I always listen. A logical explanation can change my views.
That's why you are acegolfer and they're not! 8-)
by Jazztonight
Sat Aug 11, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 9447

Re: Biggest Threats to Financial Well-Being

Being overly generous with gifts to relatives and “charities.” I know a couple who have tapped into their retirement accounts to help relatives through “rough times,” only to find themselves in dire straits during downturns and times of unemployment, etc. This couple is overly kind, but can no longe...
by Jazztonight
Sat Aug 11, 2018 12:18 am
Forum: Personal Consumer Issues
Topic: Piano Tuning - Cost and Recommendations
Replies: 9
Views: 795

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 you...
by Jazztonight
Sat Aug 11, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8057

Re: Should I tell my family/friend that they are making a financial mistake?

that was a great story by Jazztonight. I would bet if you asked jazztonight s/he had a feeling that his/her information would be accepted, rather than dismissed... Yes, absolutely! In the few cases where anyone has paid attention to my Boglehead suggestions, I’d tip-toe along and try to determine i...
by Jazztonight
Fri Aug 10, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8057

Re: Should I tell my family/friend that they are making a financial mistake?

The problem with trying to help your parents avoid bankrupting themselves is that it can look like you're trying to protect an inheritance. Although nowhere near bankruptcy, I couldn’t convince my father to get rid of the young, pleasant, FA in a nice suit who had him invested in all manner of expe...
by Jazztonight
Fri Aug 10, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8057

Re: Should I tell my family/friend that they are making a financial mistake?

Most people think they know how to invest their money better than you do. However, once in a while you can be of significant help. Five years ago, I was visiting a colleague of mine in Chicago, and the subject of money and investing came up. I knew she had a lot more money than I do. She, her husban...
by Jazztonight
Wed Aug 08, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Learning to Draw-Online course?
Replies: 8
Views: 677

Re: Learning to Draw-Online course?

Use this book...."Drawing on the right side of the brain"...Betty Edwards It has been around for years and it works...if you apply yourself as Uncle scrooge suggests...helped me 35 years ago. The book is still excellent. Agree about this one. No matter how one starts out with basic drawing, one wil...
by Jazztonight
Wed Aug 08, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3290
Views: 995452

Re: What Book Are You Currently Reading? Part VI

I'm currently half way through Grit https://www.amazon.com/Grit-Passion-Perseverance-Angela-Duckworth/dp/1501111116/ref=sr_1_1?ie=UTF8&qid=1533743605&sr=8-1&keywords=grit+angela+duckworth by Angela Duckworth. It's terrific, and a real Bogleheads book! I'm also almost finished with the unabridged ver...
by Jazztonight
Wed Aug 08, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Detailed journal of my bicycle ride through the Balkans
Replies: 4
Views: 692

Re: Detailed journal of my bicycle ride through the Balkans

Beautiful job, Raybo!
Congratulations on a wonderful journey. 8-)
by Jazztonight
Tue Aug 07, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Seeking ideas for relaxing but not boring vacation
Replies: 19
Views: 1550

Re: Seeking ideas for relaxing but not boring vacation

Here are 7 beautiful week-long cruises in October: https://www.princess.com/find/searchResults.do My wife and I have been on 3 of them: California Coast, Mexican Riviera, and Canada & New England. People who say they don't like cruises often haven't been on one. What I say is: "Hmmm... Restaurant di...
by Jazztonight
Tue Aug 07, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 3132

Re: Relaxing - quieting the mind

You're getting some good recommendations and advice. (Also some ridiculous suggestions!) That's what this forum is famous for. Personally, I don't believe in mindfulness any longer--forcing such things has never worked for me. In my opinion, you are mindful when you need to be and when your life dep...
by Jazztonight
Mon Aug 06, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7055

Re: DW job in dangerous area

This is a sad thread. My thoughts and observations: Children need good teachers. Some teachers will step up to the plate and teach at schools that are in "dangerous" neighborhoods. Many will have long, satisfying careers and have a positive impact on many students who will forever be grateful to the...
by Jazztonight
Mon Aug 06, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6748

Re: "Dollar Store" favorites

I depended on Dollar General and Family Dollar on my recent cross country walk.

Here are the items I bought regularly (rarely was anything actually $1):

Packages of Swiss cheese
Wheat Thins
Triscuits
Snickers
Packs of Tuna
Dr Pepper
Ice cream sandwiches
Protein bars
Hand sanitizer
Wipes