Search found 856 matches

by blueblock
Thu Nov 08, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9716

Re: Favorite "free stuff"?

My monthly gym membership ($39) is free via silversneakers.com.
by blueblock
Tue Oct 23, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on outside of expenses and investments?
Replies: 23
Views: 1711

Re: What do you spend your money on outside of expenses and investments?

Services (housekeeping, yard, handyman)
Personal trainer
International travel
by blueblock
Sun Jul 08, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 12968

Re: What time do you get up in the morning?

I get up when I wake up, which is around 5:30a. Key to my quality of life is having a fresh pot of coffee ready to go. (We prepare the coffeemaker the night before and set the timer.) I read the news and catch up on email until breakfast at 8:00a, with a nice, long dog walk afterward. I prefer going...
by blueblock
Sat Jun 23, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12882

Re: When did you start flying business class?

I have been flying biz class for longer haul flights for about 15 years. I pay cash for an economy fare and upgrade using miles mostly earned via the Chase Mileage Plus Visa. (If an upgrade isn't available, I find another flight.)

[OT comment removed by admin LadyGeek]
by blueblock
Fri Jun 01, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Streaming TV and repeal of net neutrality
Replies: 15
Views: 1234

Re: Streaming TV and repeal of net neutrality

It will be less about throttling and more about positioning decent streaming as superior quality that is available to discerning customers for a premium.
by blueblock
Thu May 17, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 3777

Re: Hot food flavoring (sauces, spices and peppers)

Our favorite HOT hot sauce is Sambal Oelek, a Thai chili paste. It packs a wallop and is flavorful, too.
by blueblock
Tue May 08, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 5444

Re: Which City to spend 4-6 weeks?

I've stayed in Brighton for extended periods and really like it. It's bustling but also laid back, with good restaurants/coffee houses, galleries, historical locations, etc. And it's less than an hour by train to London, half that to Gatwick for hops to other European cities.
by blueblock
Tue Apr 24, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: John Oliver- All you have to know about planning for retirement
Replies: 8
Views: 4170

Re: John Oliver- All you have to know about planning for retirement

Back when this link was first posted (June 2016), someone wondered if Oliver's message was really reaching anybody, and HurdyGurdy posted these stats: 2,235,972 views, almost 48,000 thumbs up and 624 thumbs down, 3,800+ comments. Since then, the stats are: 8,463,180 views 93K likes 4800+ comments .....
by blueblock
Fri Apr 20, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 9205

Re: Do you buy new or used cars?

I buy "gently used" cars with as few miles as possible and are still under warranty. Other than that, I don't really care about model or color or options as long as my basic needs are met, which is to transport two dogs and two people, plus 4wd or AWD for snow days. I go for what I like the most amo...
by blueblock
Fri Apr 06, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 20325

Re: Who uses the 3 fund portfolio ?

I went to 3 funds in 2015 when I retired and rolled over my 401K to a Vanguard IRA. The simplicity appealed to me then and still does, so I'm not especially open to complicating things. I do hold sector ETFs in taxable and Roth (e.g. tech, small cap, emerging markets, etc.), for no better reason tha...
by blueblock
Wed Mar 21, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: "Demographics and equity returns: A far-fetched horror story" by Joe Davis of Vanguard
Replies: 30
Views: 5651

Re: "Demographics and equity returns: A far-fetched horror story" by Joe Davis of Vanguard

The healthcare sector grew faster than any other from 2006-2016 (3.8 million new jobs) and is projected to continue that trend from 2016-2026 (4 million new jobs) by the Bureau of Labor Statistics. It's not just a cost; it's a source of income for about 19 million people. I mean when 1 in every 5 d...
by blueblock
Sun Mar 18, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Suggestions or remedy for a fire on our apartment complex...
Replies: 13
Views: 1809

Re: Suggestions or remedy for a fire on our apartment complex...

There's a nice gym in walking distance, but they charge $70 per month plus signup fees to join. Otherwise, there's a budget gym - 15 minute car ride - that charges $10-20 per month plus signup fees. Thoughts? If you're older, have you looked at Silver Sneakers to see if they might cover the cost of...
by blueblock
Sun Mar 04, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: What is your investment strength?
Replies: 70
Views: 6072

Re: What is your investment strength?

Staying the course; not being fearful and/or tempted to make changes based on what the markets are doing.
by blueblock
Tue Feb 27, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 9211

Re: Physical cash

When I go to the ATM, I usually withdraw $200. It usually lasts 2-3 months, sometimes longer.

We also keep about $500 stashed away at home, just in case it's needed. It rarely is.
by blueblock
Sun Feb 25, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 10571

Re: Blasphemy... DO PEEK!

I look just about every day and always have. I know what the markets are doing and how they should affect my portfolio, then at the end of the day I check. It only takes a few minutes and seems like the responsible thing to do with my life savings. Happily, I have never been tempted to alter my plan...
by blueblock
Fri Feb 23, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: What vacations or weekend getaways are you taking this summer?
Replies: 24
Views: 2134

Re: What vacations or weekend getaways are you taking this summer?

I'll be spending a month in England visiting a friend. We're planning two 3-day side trips, one to Ireland and one to the French/Swiss border area. Day trips to London.
by blueblock
Sat Feb 03, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 4478

Re: Do you live on a budget?

Yes and no. I start the year with my planned year's expenses in my checking account and hope that covers me to December 31st. It usually does. Otherwise I don't track.
by blueblock
Mon Jan 22, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 7424

Re: Work-out schedule for those in 60s

65 and retired here. I have a heart condition, so I have to avoid strain lest my aorta explode. I see a personal trainer M, W and F for an hour each time. Basically, I do lower weights than I can actually lift, with a higher number of repetitions, usually 15-20 each set for 3 sets. I warm up, stretc...
by blueblock
Thu Jan 11, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: How do you define middle class? Which class do you consider yourself in?
Replies: 23
Views: 2647

Re: How do you define middle class? Which class do you consider yourself in?

Using this CNN article's definition, I am both wealthy (net worth) and middle class (annual income).

http://money.cnn.com/infographic/econom ... index.html
by blueblock
Thu Jan 11, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: anyone else enjoying an afternoon nap in retirement?
Replies: 19
Views: 2144

Re: anyone else enjoying an afternoon nap in retirement?

For a while after I retired, I took naps whenever the whim struck, and it was lovely. But I sleep better at night when I haven't napped that day, so I stopped.
by blueblock
Wed Jan 10, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Computers Suck
Replies: 18
Views: 1703

Re: Computers Suck

I'm 65 and like computers a lot. Sure they could be more stable and intuitive, but I don't mind troubleshooting from time to time. I have a straightforward rig, though, nothing complicated. I do like Windows 10 better than 7.
by blueblock
Mon Jan 08, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 188
Views: 24760

Re: Anyone disenchanted with retirement?

I'm closing in on three years and have zero inclination to do paid work of any kind.
by blueblock
Sun Jan 07, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Can you please help me find a good concierge service?
Replies: 6
Views: 872

Re: Can you please help me find a good concierge service?

GrayS26 wrote:
Sun Jan 07, 2018 5:51 pm
...and give me suggestions for things I’m looking for.

What are some things you're looking for?
by blueblock
Fri Jan 05, 2018 6:42 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 149
Views: 11402

Re: Misuse of adverse when averse was meant

Yes, doing it right is better then doing it wrong, than people will know!
by blueblock
Sun Dec 31, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking a good read
Replies: 5
Views: 634

Re: Seeking a good read

After bogleheads, of course, as I approached retirement, consistently the most pertinent and interesting read for me was Darrow Kirkpatrick's https://www.caniretireyet.com

I did not meet with a financial planner when I retired in 2015. I didn't see the need/benefit and still don't.
by blueblock
Thu Dec 28, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9850

Re: Keeping a checkbook register

I can literally look up an entry for any check I've ever written... I worry about the ease of finding information quickly... Maybe I'm just lucky, but I've never needed or wanted to look up a check from years ago. Is this something people do? I only write a check or two a year and don't bother reco...
by blueblock
Sat Dec 23, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: The extended bull market
Replies: 53
Views: 4935

Re: The extended bull market

tennisplyr wrote:
Sat Dec 23, 2017 8:17 am
Is there anything you are doing more/less of or have changed what you were doing in the past?
Nope.

I'm 65 and have been retired 2.5 years.
by blueblock
Sun Dec 17, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Overnight guests
Replies: 15
Views: 2048

Re: Overnight guests

What would you do? You're probably doing even more work to facilitate this arrangement than you outline. Who's making up the bed, washing linens and towels, doing extra dishes, cleaning the bedroom afterwards? Does the cousin make himself scarce in the evening or hang with you and your husband, thu...
by blueblock
Sun Dec 17, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: Do you have bonds in Roths as a retiree?
Replies: 35
Views: 3315

Re: Do you have bonds in Roths as a retiree?

I'm retired with no bonds in Roth and no plans to put any there for the standard reason.
by blueblock
Sat Dec 16, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 11345

Re: How much do you spend on food per month, per person?

Household of two, generally about $400 each per month, which includes household items like cleaning supplies, paper products and pet food (2 dogs and a parrot), but not alcohol or eating out.
by blueblock
Mon Dec 04, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: VPN user -- can Vanguard remember my computer?
Replies: 4
Views: 670

Re: VPN user -- can Vanguard remember my computer?

Confirming what ZinCo said. I use VPN and the Vanguard site remembers me just fine with no additional prompts.
by blueblock
Sun Dec 03, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: moved to another state in 2017 -- best tax software?
Replies: 6
Views: 870

Re: moved to another state in 2017 -- best tax software?

In case you are not already aware, some states have reciprocal agreements with other states so that you don't have to file two state returns. For example, in 2015 I moved from Illinois to Wisconsin; I had to file only a Wisconsin state return. Turbo Tax handles this easily. Here's the list: https://...
by blueblock
Thu Nov 30, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: To sell or not
Replies: 3
Views: 645

Re: To sell or not

The wiki has a page on tax gain harvesting:

https://www.bogleheads.org/wiki/Tax_gain_harvesting
by blueblock
Wed Nov 29, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Best Home Blood-Pressure Monitor for Accuracy?
Replies: 6
Views: 946

Re: Best Home Blood-Pressure Monitor for Accuracy?

I've been happy with the monitor linked below. While it is automatic, you'll note in the top review that a medical person says its results compare well with those taken manually.

https://www.amazon.com/gp/product/B00KP ... UTF8&psc=1
by blueblock
Mon Nov 27, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Cyber Monday - Best Deals?
Replies: 6
Views: 1139

Re: Cyber Monday - Best Deals?

The other day I nearly dropped a hot dish using my clumsy old hot pads, so when I saw these oven gloves at 70% off I spent a whopping $11.95 on them.

https://www.amazon.com/gp/product/B01ET ... UTF8&psc=1
by blueblock
Sun Nov 19, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 20366

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Isn't a spender going to run out of cash and think, "No problem, there's lots more of that at the ATM"?
by blueblock
Tue Nov 07, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 10622

Re: "I took all my money out of the stock market and it feels amazing"

Wow, that seems wildly imprudent to disclose so much about her finances using her real name when she is so easily located on social media.
by blueblock
Sat Nov 04, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on buying a car wash? Good investment or is there a catch?
Replies: 46
Views: 5362

Re: What are your thoughts on buying a car wash? Good investment or is there a catch?

You could likely get some good info by joining the International Carwash Association for $200:

http://www.carwash.org
by blueblock
Tue Oct 31, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: Lets take about the adjustment
Replies: 13
Views: 1935

Re: Lets take about the adjustment

TheQuestionGuy wrote:
Mon Oct 30, 2017 8:39 pm
what indicators are you watching for the next adjustment?
I like the Economist's Global Forecasting Service free monthly summary report for a "view from 35,000 feet." http://gfs.eiu.com

I also like this graph:

Image
by blueblock
Mon Oct 30, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 10774

Re: My 401k is almost all cash now. 1/2 Mil

What would you do? First, I would adjust my views as to when I might be able to retire. Second, I'd explore the wiki here, along with the forum discussions, to understand that my views and current position are inconducive to investing success. Finally, I wouldn't beat myself up about past mistakes,...
by blueblock
Mon Oct 30, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Portugal Trip, any suggestions?
Replies: 38
Views: 3070

Re: Portugal Trip, any suggestions?

Higman wrote:
Mon Oct 30, 2017 6:40 pm
Definitely Sintra:

http://www.sintra-portugal.com/guides/S ... isbon.html
+1
by blueblock
Sat Oct 28, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 19436

Re: What was the main reason you retired?

1, 7 and 8: I hit my number, I was ready for a life of leisure and I was a bit burned out at work.
by blueblock
Thu Oct 26, 2017 6:50 pm
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 12394

Re: Emotional impact of spending down assets?

I don't really know how my octogenarian self would feel, finding himself on that trajectory, to which I had committed him during my 60s and 70s. I wonder what thoughts or experiences people have about this. I'm 65 and have been retired two and a half years. What I'm not seeing in the responses so f...
by blueblock
Thu Oct 26, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Signing up for social security
Replies: 14
Views: 1810

Re: Signing up for social security

I created an account and then applied on line. It was easy-breezy, and a real live person followed up with an email to confirm. (I did have to go in person to my local office before payments commenced, but ONLY because of a silly data entry error the SSA made at some point in my distant past: their ...
by blueblock
Mon Oct 23, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 6326

Re: what is your weekly workout routine?

65 with congenital heart condition—work is good, strain is bad.

At the gym MWF: 30-minute warm up, balance and flexibility; 60 minutes with trainer, lower weights with higher reps.

Most days: brisk walking 40-50 minutes/about 2 miles.
by blueblock
Sat Oct 21, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5815

Re: What service do you pay for that you could easily do yourself?

Lawn and yard care plus occasional arborist
Housekeeping services
Personal trainer 3 x per week
Bringing in/putting out the lake pier annually
Snow removal
Handyman services (e.g. from minor repairs to a bathroom remodel)
Doggie beauty parlor
Oil changes
by blueblock
Tue Oct 17, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 8738

Re: Vanguard expects "decent sized correction" soon, sometime, maybe later

I'm fine with a decent correction. It's the indecent corrections that concern me.

:twisted: