Search found 82 matches

by Caligal
Wed Jan 06, 2021 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare question - SF bay area specific questions
Replies: 37
Views: 2539

Re: Medicare question - SF bay area specific questions

Hi

You can use this service to educate yourself and your Mom about her medicare decisions:

Health Insurance Counseling & Advocacy Program (HICAP)
https://cahealthadvocates.org/

free service for objective information and counseling on Medicare choices
by Caligal
Mon Jan 04, 2021 11:00 pm
Forum: Personal Consumer Issues
Topic: HVAC Replacement - Bay Area
Replies: 35
Views: 2005

Re: HVAC Replacement - Bay Area

Hi We did a Trane 3.5 ton single stage 15 SEER and a variable speed furnace with some duct work and additional insulation in the attic for $11K two years ago. I had multiple bids all between $9.6 - $12.5. Went with a company many people have used in our neighborhood - they were the only ones that we...
by Caligal
Thu Dec 31, 2020 6:13 pm
Forum: Investing - Theory, News & General
Topic: 2020 and 2021 Boglehead Contests
Replies: 43
Views: 3182

Re: 2020 and 2021 Boglehead Contests

Yay! I was totally wrong! #509 but I was in good company just below the esteemed "Peter Foley"!

I hope I'm off by 485 points next year!
by Caligal
Wed Dec 30, 2020 12:25 pm
Forum: Personal Investments
Topic: Roth Conversion vs Stimulus Checks
Replies: 25
Views: 2749

Re: Roth Conversion vs Stimulus Checks

I still don't understand any of these posts. I thought there was no claw-back, at least for the last round? Maybe nobody has read all the provisions for the second round yet. Are we now assuming annual stimulus checks into the future? Any stimulus payments provided in the first part of 2021 should ...
by Caligal
Tue Dec 29, 2020 4:36 pm
Forum: Personal Investments
Topic: Roth Conversion vs Stimulus Checks
Replies: 25
Views: 2749

Re: Roth Conversion vs Stimulus Checks

Why would 2020 AGI come into play? It will take a minimum of three weeks to get all that in? Aren't they just going to use 2019 tax returns? I used 2018 last time around but I assume 2019 will be used across the board now as all 2019 returns are now in??? It is my understanding that if you made too...
by Caligal
Wed Nov 11, 2020 7:54 pm
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 334
Views: 26743

Re: Taylor Sends His Best to Fellow Bogleheads

Best wishes! Glad to hear you are going home.

Thank you for your service to the country as well as Bogleheads.
by Caligal
Tue Sep 15, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 7367

Re: Coping with Wildfire smoke

As far as the OP's question. 1. Suck it up. If we are in a place with a "fire season" vs "this is when the leaves change and the tourists come back season", we should have built up a little bit of resiliency and tolerance towards forest fire and smoke, whether that is controlled...
by Caligal
Sat Aug 08, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39673

Re: What have you baked recently?

I finally jumped on the sourdough bandwagon and received a starter from a friend. First attempt at using is a focaccia with simple toppings of olive oil, rosemary and Maldon salt. I really like this website - The Perfect Loaf - which is where I found the recipe/instructions. On to levain and country...
by Caligal
Thu Jul 09, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: Contemporary Leather Recliner?
Replies: 7
Views: 758

Re: Contemporary Leather Recliner?

Boomer - go to Scandinavian Designs website for some ideas on Stressless prices. They have different sizes, leathers, models and price points - anything you plan to sit in should be tested in person. Stressless makes different sizes for different size people! Also check out American Leather - contem...
by Caligal
Sat May 16, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4638

Re: How did you feel after giving notice to retire?

Wow great question timing wise. DH just gave his notice this week, will be retired in June. My retirement last year came with a whimper, not a bang, as I was a PT contractor in my industry and the better paying contracts petered out as I was not willing to go back to full time. I'm alternating betwe...
by Caligal
Sat May 02, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1040
Views: 47259

Re: Bird watchers – what birds are you seeing?

Today it was a pretty red headed woodpecker - apparently a Nuttall's woodpecker who is native to California. Hummers and quail galore! And on our walk last night we watched two red tailed hawks swoop and call to each other.
by Caligal
Fri May 01, 2020 12:53 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 461
Views: 36218

Re: So what are you cooking

King Arthur Flour cheesy crisp pan pizza - toppings were a few slices of pepperoni, pepperoncini peppers and a little Cento Hoagie spread (after baking). KAF's 2020 recipe of the year. Arugula/grape tomato salad lightly dressed with olive oil/balsamic vinegar. Kofta (mediterranean meatballs on skewe...
by Caligal
Sun Apr 26, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1040
Views: 47259

Re: Bird watchers – what birds are you seeing?

Thanks to all posting your beautiful photos. We have had 3 birds hit our windows in just the past week - yesterday it was a Wilson's Warbler - hit with less force than the others and flew away to a nearby branch and eventually was able to fly away. We are experimenting with keeping the shades down a...
by Caligal
Fri Apr 24, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1040
Views: 47259

Re: Bird watchers – what birds are you seeing?

I think we may have a few more birds since the shutdown - or we are noticing them more. Lots of hummingbirds lately - one poor ruby throat bonked him/herself hard enough to perish under a window. A few days later a Costa's hummer did the same but happily was only stunned and flew away after a while....
by Caligal
Mon Apr 06, 2020 1:49 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39673

Re: What have you baked recently?

meyer lemon pound cake
by Caligal
Fri Apr 03, 2020 7:57 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 461
Views: 36218

Re: So what are you cooking

for mudpuppy:

good standard carrot muffin/cupcake - lots of ways to change it up discussed in the comment section

https://www.epicurious.com/recipes/food ... fins-15101
by Caligal
Fri Apr 03, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 461
Views: 36218

Re: So what are you cooking

margarita marinated steak fajitas tomato, eggplant and fennel baked pasta spanish chorizo, chicken and potato braise moroccan lentils w/chili fried onions david leite's chocolate disk (larger than chips) cookies sauteed petrale sole w/easy tartar sauce asparagus & pancetta frittata baked feta w/...
by Caligal
Mon Feb 10, 2020 1:33 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 32297

Re: What is the best concert you ever witnessed?

Elton John 1974 Madison Square Garden
Tom Petty 1997 the Fillmore
by Caligal
Wed Jan 22, 2020 10:13 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 29209

Re: Sad news: LadyGeek's husband has passed

I'm so sorry to hear your news. Thank you for your generosity in sharing some of the details.
by Caligal
Sun Sep 22, 2019 4:33 pm
Forum: Personal Investments
Topic: I am being asked to retire. Am I ready?
Replies: 84
Views: 11365

Re: I am being asked to retire. Am I ready?

Another thing to consider - if you take the pension as a lump sum and roll into a traditional IRA - you will probably not be able to perform Roth conversions without paying quite a bit of tax due to the pro rata rule. Plus it looks like you already hold a traditional IRA as well which would add to t...
by Caligal
Sun Sep 08, 2019 5:50 pm
Forum: US Chapters
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 127
Views: 89389

Re: San Jose, CA Area Bogleheads Chapter

I plan to attend - thanks,
CG
by Caligal
Fri Sep 06, 2019 4:03 pm
Forum: US Chapters
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 127
Views: 89389

Re: San Jose, CA Area Bogleheads Chapter

Question: How often are target date funds rebalanced, and are there guardrails or some other mechanism to prevent "over balancing" into a rapidly declining stock market? Is this information proprietary or transparent?

Thanks!

Caligal
by Caligal
Mon Aug 26, 2019 10:35 pm
Forum: Personal Investments
Topic: Woke up in the hospital. Good time for a review
Replies: 20
Views: 5287

Re: Woke up in the hospital. Good time for a review

RadAudit

Sending you positive thoughts for a speedy recovery and a good prognosis for a long life. Your advice and posts are always helpful to me.


Caligal
by Caligal
Mon Aug 19, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 8120

Re: Moving from Bay area, CA to Knoxville, TN

I would also factor in gun laws. Very different between California and Tennessee. While far from perfectly safe, California is rated #1 by the Giffords Law Center on the strength of current firearm laws. We moved to a medium sized southern city in the 90's for financial and family reasons but boomer...
by Caligal
Thu Jun 20, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39673

Re: What have you baked recently?

Hi - I would try a different recipe/technique. Find a copy of Peter Reinhardt's Artisan Breads Every Day, or a recipe by Nancy Silverton, Beth Hensperger, Bernard Clayton (or another bread "expert") - one that creates a sponge and has the right hydration. Then you could play with adapting ...
by Caligal
Tue May 07, 2019 2:29 am
Forum: Personal Consumer Issues
Topic: Where to Buy an Area Rug in a Particular Color
Replies: 7
Views: 891

Re: Where to Buy an Area Rug in a Particular Color

If you are looking for something simple (no pattern), try a flooring store that sells carpet. Most will make an area rug of any size from wall to wall type carpet (and there are alot of color choices) and have various choices for binding. I had a rug made of New Zealand wool in an odd size (7x7) wit...
by Caligal
Fri Mar 15, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 57
Views: 4848

Re: 2 days in New York City

Just went to the Colbert Show (you do need tickets and it does take a chunk out of your day), the Highline, WTC/museum, walked over Brooklyn Bridge and walked miles and miles a day in NYC last year. Many previous visits included the Met, Natural History, MoMa, Guggenheim, Frick, Cloisters, Central P...
by Caligal
Fri Jan 18, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2458

Re: Curry Powder?

Try Penzy's (locations across the country or online) or Kalustyan's (Manhattan or online) for high quality and fresh spices and spice mixes.
by Caligal
Wed Jan 16, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 63253

Re: John Bogle, who founded Vanguard and revolutionized retirement savings, dies at 89

Thank you Mr. Bogle. My thoughts are with his family and friends.
by Caligal
Tue Dec 25, 2018 1:07 am
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 109
Views: 14396

Re: My Christmas Present To You

Have a wonderful trip with your family and friends. Thank you for sharing your story with the Bogleheads.

Peace
by Caligal
Fri Dec 14, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5990

Re: Forgoing health insurance

Not a good idea.
by Caligal
Thu Jul 12, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 24667

Re: COMING SOON: BOGLEHEADS PODCASTS

Boglehead Blasts

Although so far I tike Talking Bogleheads....
by Caligal
Wed Jun 20, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 15051

Re: Retire at 50: Should I?

Not to derail this post - in fact - good luck to the OP on the decision to retire! Great job on your financials and having the choice to leave the workforce at a young age. Happy fishing. If Marcopolo is still around - I don't disapprove of anyone's personal decision on what risks to consider when r...
by Caligal
Wed Jun 20, 2018 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 15051

Re: Retire at 50: Should I?

If I may - marcopolo We are at a somewhat unstable time for the early retiree when it comes to the future of health insurance - both in terms of affordability and availability. While bogleheads delight in running monte carlo simulations and spreadsheets and debate endlessly how much is enough, the f...
by Caligal
Tue Jun 19, 2018 12:15 am
Forum: Investing - Theory, News & General
Topic: Retirement spending/ HCOL areas?
Replies: 10
Views: 2268

Re: Retirement spending/ HCOL areas?

Interesting reply from Curmudgeon - our baseline is about $6K higher, then add in taxes ($9k) and medical ($20k) not using ACA unless necessary - for a total of $80k, which we expect will go down after turning 65 (Medicare). Then add travel, reserves (new car funds, home repair/remodeling, etc), and...
by Caligal
Sun Jun 17, 2018 6:46 pm
Forum: Investing - Theory, News & General
Topic: Retirement spending/ HCOL areas?
Replies: 10
Views: 2268

Re: Retirement spending/ HCOL areas?

We are mortgage and debt free and live in HCOL area. Property taxes not too bad due to Prop 13. State income tax is progressive so not cheap but not the highest. We plan to retire next year and our largest line item will be medical costs prior to Medicare - about 25% of our needs budget. We have the...
by Caligal
Wed Jun 06, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 1367
Views: 184565

Re: How much money do you want to retire?

For Homer - 100 miles up or down the coast, give or take - $500k price range. Saving a ton of money is inaccurate - but otherwise I agree that if you are willing to leave California, there are many options of nice places to live. Minus the weather. https://www.zillow.com/homes/for_sale/Geyserville-C...
by Caligal
Sun May 27, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39673

Re: What have you baked recently?

Thanks to a previous poster - have a Cook's Illustrated chocolate sour cream bundt cooling on the countertop - which I will serve with a mixed berry compote. It smelled like the best brownies while in the oven! Ribs (coated with a spice rub) in the oven baking low and slow to be finished off on the ...
by Caligal
Tue May 08, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 4174

Re: Happy 89th birthday to [Jack] Bogle

Happy birthday, Mr. Bogle -
sincerely,
A fan in California
by Caligal
Fri May 04, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39673

Re: What have you baked recently?

Lady Geek "The best bread for thin-slicing is called pain de mie, a butter- and milk-rich loaf baked in a special lidded pan (often called a Pullman pan). The lid ensures that the baking bread won't expand too much, keeping it very close-grained — and thus totally non-crumbly, and easy to slice...
by Caligal
Fri May 04, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39673

Re: What have you baked recently?

Lady Geek If I may...reading blackjack's post - he/she never mentions putting the lid on so that possibly changed the results. Maybe blackjack is using the pan in lieu of a regular loaf pan? That being said, 5 cups is the amount of flour used in a 13" pullman pan in a traditional pain de mie re...
by Caligal
Thu Apr 26, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Family trip, Southwest USA
Replies: 27
Views: 3267

Re: Family trip, Southwest USA

+1 Bandelier National Monument for the Anasazi caves

The Bradbury Science Museum in Los Alamos - very much worth a visit to learn about the Manhattan Project

In Sante Fe - restaurants Geronimo and Cafe Pascual, all of the galleries on Canyon Road, Georgia O'Keefe Museum
by Caligal
Thu Apr 26, 2018 1:09 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39673

Re: What have you baked recently?

Hi Elsebet Please have a look at these babka recipes - the KAF version is rather anemic compared to what babka should look like. I am enjoying your posts and have been inspired to try the dutch oven breads! Happy baking! Caligal This first one is a blogger's take on a great Martha Stewart recipe - w...
by Caligal
Wed Apr 11, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 590
Views: 52668

Re: Name something you bought that wasn't cheap and glad you did

House in Northern California

Kitchenaid 6 qt. stand mixer