Search found 296 matches

by Slapshot
Tue Oct 29, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Folks age between 65-70. What’s your exercise routine
Replies: 44
Views: 4494

Re: Folks age between 65-70. What’s your exercise routine

Early 70s, retired. MWF at gym for 45 minute all body workout with weights, preceded and ended with stretching. TR playing hockey for 1.5 hours with an over 50 group, sometimes with over 60 group. Saturday or Sunday biking, with one day off for recovery. In summer and fall, more biking and less hock...
by Slapshot
Fri Oct 18, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 5489

Re: Help me find some high quality cargo pants.

ddurrett896 wrote:
Fri Oct 18, 2019 10:25 am
Check out LL Bean. I won't buy pants from anyone else.
+1
by Slapshot
Mon Oct 07, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 121482

Re: What frugal thing did you do today?

Called my TV provider and scooped up two $20/month discounts good for 12 months, plus a $14/month discount on my sports package good for 3 months. Also bought 12,000 points for $79 from Choice Hotels and used it for a free night that was going for $159.
by Slapshot
Fri Sep 27, 2019 11:40 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 246
Views: 29882

Re: What is your AA, given your age? and, Why?

Age 72, retired with pension and wife has SS. AA is 30/70. Pretty conservative, but we have no reason to assume much risk. As long as we beat inflation by a few points, we're happy. Pension and SS take care of all the bills with some left over. Wouldn’t the opposite be true? If pension and SS cover...
by Slapshot
Thu Sep 26, 2019 12:11 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 246
Views: 29882

Re: What is your AA, given your age? and, Why?

Age 72, retired with pension and wife has SS. AA is 30/70. Pretty conservative, but we have no reason to assume much risk. As long as we beat inflation by a few points, we're happy. Pension and SS take care of all the bills with some left over.
by Slapshot
Thu Sep 12, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9367

Re: Electric Bicycles

I'm 72 and my wife is 69. For years we've been riding, and I always found myself waiting for her at the top of hills, etc. A year and a half ago she got a Pedago Interceptor, and soon she was waiting for me at the top of hills. I've been riding a Bianchi road bike forever and treating most rides as ...
by Slapshot
Thu Aug 22, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 70
Views: 8512

Re: Anybody else enjoy sitting around and doing little in retirement?

When I retired from teaching and coaching after 35 years, I said I wanted to do whatever i wanted and have fun for 5 years, and then I would find something constructive to do. It's now been 15 years, and I am still doing whatever I want and having fun. The freedom of no commitments is too much to gi...
by Slapshot
Wed Aug 07, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Boston for a few hours with young kids
Replies: 20
Views: 1053

Re: Boston for a few hours with young kids

I'll second Martin's Park for kids that age. We saw it for the first time last week, and it was awesome. If you can get there, head to Castle Island in Southie. Buy lunch at Sullivan's and go out behind the fort for a picnic. You'll be right on the harbor and can watch myriad boats, ferries, tankers...
by Slapshot
Sun Jul 28, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Cape Cod in September - Recommendations Please!
Replies: 6
Views: 957

Re: Cape Cod in September - Recommendations Please!

Agree with all above. It's not like the old days when many places shut down after Labor Day. Now the season runs into October and Columbus Day weekend. We live nearby and avoid it in summer. Generally head there in late September, early October. Water still warm, but fewer people.
by Slapshot
Sat Jul 20, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Things to do in Maine
Replies: 72
Views: 6871

Re: Things to do in Maine

September is the sweet-spot for a Maine vacation in my opinion. Less crowded, and the weather is still great. Thanks for the input. I am scheduled to retire Sept 19 and have run the numbers for airfare from Orlando to Boston and a rental car. My dates were Sept 20-30. The cheaper flights into Bosto...
by Slapshot
Sun Jul 14, 2019 2:27 pm
Forum: Personal Investments
Topic: Teacher 403B Plans
Replies: 31
Views: 2605

Re: Teacher 403B Plans

Is this a 403b in which the school district provides a match? If not, just do it on your own. When I was teaching, my district just offered outrageously expensive options without any match. So I set up a Vanguard 403b myself and then got the district to deposit my contribution directly into Vanguard...
by Slapshot
Thu Jul 11, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 139
Views: 14803

Re: Is Hyundai the value sweet spot?

My son has a 2012 Sante Fe that he bought new and now has 230,000 miles thanks mainly to a 100 mile round trip commute every day. He's had no issues at all and it's still running great.
by Slapshot
Mon Jul 08, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Where to sit @ Fenway Park?
Replies: 11
Views: 865

Re: Where to sit @ Fenway Park?

Fenway Park has many lousy seats. Make sure that you don't sit in the grandstand, or even the higher box seats, out towards right field. You'll have a great view of right and center field, but you'll have a tough time seeing the batter. Box seats between first and 3rd are good. Many obstructed views...
by Slapshot
Fri Jul 05, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 9212

Re: Would we regret buying a 2nd home?

Somewhat of a different approach, but it works for us. We're skiers, and when we retired bought a quartershare (13 weeks/every 4th week) at a ski in/out condo hotel. The resort rents the weeks we don't use, we get some income, and we can get a similar unit on a space available basis most weeks of th...
by Slapshot
Fri Jul 05, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Theodore Roosevelt National Park or Badlands NP -- good for hiking in August?
Replies: 24
Views: 1605

Re: Theodore Roosevelt National Park or Badlands NP -- good for hiking in August?

We've been to all the places discussed here. I'd opt for the Black Hills every time. Rapid City is a neat town. Custer State Park can keep you occupied for a week. Wind Cave is nearby for a day trip and definitely worth a look. Same for Mt. Rushmore. Teddy Roosevelt didn't appeal to us, but we just ...
by Slapshot
Tue Jun 18, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Doing Your Own Taxes
Replies: 36
Views: 3551

Re: Doing Your Own Taxes

A number of years ago, I tried out TurboTax after having had my taxes done by a pro. In doing so, I found that the pro had made a major error that had a significant impact on my refund to the tune of over $1,000. Since then I've done my own taxes. The pros all use TurboTax or something similar anywa...
by Slapshot
Wed Jun 12, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 72
Views: 4661

Re: Toyota Sienna tire replacement at 12k miles

I had a 2007 Sienna with the run flats. Got a flat once coming home from a 3 hour trip. Stopped every 50 miles to refill the tire and got home. Bought a new set for $1200. That's the last time I bought run flats. Now i have a 2018 Sienna without the AWD. AWD is not worth it with those tires. If you ...
by Slapshot
Tue Jun 04, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10914

Re: Walking Cities, potential for retirees

We just spent 3 days in Greenville, SC. Some nice downtown condos with everything within walking distance, including bars and restaurants, a Fenway Park replica minor league baseball stadium, and a 15,000 seat arena that houses a minor league hockey team and numerous big time concerts.
by Slapshot
Thu May 30, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7944

Re: $3k for teen club soccer

I coached high school hockey in Massachusetts for years. I remember back in the 80s there was a summer showcase all-star tournament that kids had to pay an exorbitant price in which to participate. I did the math, and the 2 guys running it probably profited $100,000 apiece after expenses. I told one...
by Slapshot
Tue May 28, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 5084

Re: Teaching jobs

This time of year most school officials are up to their ears in end of school issues and don't have time to handle job interviews. Over the summer is when most hiring occurs. So don't overstress the current situation. When I was hired, albeit many years ago, I received minimal response. Then a coupl...
by Slapshot
Mon May 27, 2019 11:54 am
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 13337

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

Retired with no debt and a pension which is plenty to pay all our bills. So we're 30-70. No need to take risk anymore. I'd consider putting even more in fixed income if the interest rates were much higher.
by Slapshot
Sun May 26, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Good town to stop on I-81
Replies: 42
Views: 3599

Re: Good town to stop on I-81

Many thanks to all who replied. As it turned out, we spent 11 days in Greenville, Amelia Island and Hilton Head. Most days we rode our bikes 15-20 miles then spent the afternoon at the beach (except in Greenville where we just rode). By then we were all biked out. I want to especially thank those wh...
by Slapshot
Thu May 09, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Good town to stop on I-81
Replies: 42
Views: 3599

Re: Good town to stop on I-81

Thanks for all the great suggestions. Now I have some good direction to do a little more research.
by Slapshot
Wed May 08, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Good town to stop on I-81
Replies: 42
Views: 3599

Good town to stop on I-81

We will be driving up I-81 North from Charlotte to Harrisburg and are looking for suggestions on a good place to spend Friday and Saturday of Memorial Day weekend. We'll have our dog and road bikes. Looking for a place that will be fairly quiet but with a nice downtown. Thanks.
by Slapshot
Sat May 04, 2019 9:24 am
Forum: Personal Investments
Topic: Say you have a pension & lot of cash. With those in mind, does it make sense to have a more aggressive allocation?
Replies: 62
Views: 4856

Re: Say you have a pension & lot of cash. With those in mind, does it make sense to have a more aggressive allocation?

FWIW: I'm retired with a decent pension that pays all my living costs with some left over every month. When faced with your decision, I opted for safety. So I currently have around 25-30% in stocks and the rest in bonds and cash. Over the past 10 years or so I've averaged around 7%. That's fine with...
by Slapshot
Sat Mar 23, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 1832

Re: Minivan or SUV?

We have the Sienna and love it. We took the middle seats out after we bought it and never looked back. We have one golden retriever. When traveling, keep your kid and dog on the rear seat. Plenty of room for the dog to move around. Plenty of room for 2 dogs. We usually put his bed on the floor, and ...
by Slapshot
Tue Feb 19, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 46
Views: 2973

Re: Tips/suggestions for skiing out west?

As a former teacher, I've done many ski trips over Easter break. I can remember a cheap family trip to Tahoe with a dirt cheap stay/ski package at Harvey's casino. Skied Heavenly in the morning, then lounged by the pool in 70 degree weather in the PM after the trails turned to slush. Now retired, we...
by Slapshot
Tue Feb 12, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Need help with frequent week-long stays in Boston over next 18 mos
Replies: 68
Views: 3558

Re: Need help with frequent week-long stays in Boston over next 18 mos

To add to the "talk with the manager." Years ago we had a house fire and stayed at a Residence Inn that night. I talked with the manager, and he gave us a 2 bedroom, 2 bath unit for $99/night as we were going to stay there for 5 months while our house was rebuilt. We did the same thing a few years a...
by Slapshot
Tue Feb 12, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Need help with frequent week-long stays in Boston over next 18 mos
Replies: 68
Views: 3558

Re: Need help with frequent week-long stays in Boston over next 18 mos

Find a Residence Inn or a Town Place Suites and use a Marriott Rewards card to pay for it. You'll get a kitchen and multiple points on the card.
by Slapshot
Sun Jan 27, 2019 1:29 pm
Forum: Investing - Theory, News & General
Topic: What was your first Vanguard fund or ETF?
Replies: 72
Views: 5238

Re: What was your first Vanguard fund or ETF?

Back in 1982 the Windsor Fund.
by Slapshot
Thu Jan 24, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia
Replies: 55
Views: 4095

Re: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia

Nobody has mentioned L.L. Bean. Check them out online.
by Slapshot
Thu Dec 27, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: What’s your TLH Strategy [Tax Loss Harvest]
Replies: 42
Views: 2895

Re: What’s your TLH Strategy [Tax Loss Harvest]

For some perspective, I did TLH back in the great dip of 2008-2009. As a result, I can't do any TLH now in my funds because all are still way up from their re-entry points back then. I did some TLH with some individual stocks yesterday.
by Slapshot
Sat Oct 27, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Vehicle to vacation w/dogs (staying in hotels/VRBOs)
Replies: 32
Views: 2588

Re: Vehicle to vacation w/dogs (staying in hotels/VRBOs)

We take our dog everywhere. We have a Toyota Sienna with the middle seats removed, so the dog has his own penthouse. If it's hot, we plan ahead and stay in a motel/hotel/VRBO that allows the dog to stay in the room when we're gone. You have to do your research to find such places, but they are out t...
by Slapshot
Sat Oct 27, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mapfre Insurance - Boston Area
Replies: 16
Views: 816

Re: Mapfre Insurance - Boston Area

Have had them for years through my independent agent. Several claims, including one total, and no problems at all. We get the AAA discount and a discount for my wife's car for low mileage. I like them.
by Slapshot
Mon Oct 15, 2018 6:04 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 54
Views: 5674

Re: Huge drops in VTXVX and VTHRX

Just talked to Vanguard. A glitch. Correct numbers should be up after 7:30 PM.
by Slapshot
Sun Oct 07, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 12246

Re: “It’s probably wise to sell to the sleeping point.” - Jack Bogle

Pension? Yes. 35 years as a public high school teacher. It certainly makes things easier.
by Slapshot
Sun Oct 07, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 12246

Re: “It’s probably wise to sell to the sleeping point.” - Jack Bogle

I've been retired for 14 years. Have all I need. Been 30/70 stocks/bonds for all that time and sleep like a baby. Won't make a killing, but won't get killed either. This isn't rocket science. Don't make it complicated.
by Slapshot
Sat Aug 18, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 191
Views: 30697

Re: Teachers Who Have Net Worth of $1 million +

We're there and, even though we got some inherited money, we'd still be there without it. Good fortune and planning went into it. First, we bought our house in 1974, and it's now worth 10 times what we paid for it. Second, we always budgeted on my salary, so whatever my wife made as a secretary was ...
by Slapshot
Thu Aug 16, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 3458

Re: Celebrating the day you retired

This brings back some great memories. I was a high school teacher/coach at the same high school for 35 years. 5 of my best friends and I retired at the same time. Around noon on the last day of school, a limo provided gratis by one of our former students who owns a transportation company, picked us ...
by Slapshot
Wed Aug 08, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 128
Views: 10142

Re: Minivan Vs SUV Experience

We've had minivans since the first Dodge Caravans in the late 70s. Our kids are long gone, but we still have a 2013 Sienna. The sheer practicality of a minivan wins out over any perceived shortcomings. We removed the 2nd row seats and never looked back. When biking, we can put both bikes inside the ...
by Slapshot
Fri Jul 27, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 15800

Re: Tips for staying active / injury-free into older age

71, retired for 12 years. MWF full body workout at gym for about an hour, including machines, dumbells, kettle bells and body weight exercises. Stretching before and after. Tuesday, Thursday, Sunday 15-20 mile bike ride. Saturday is rest day. Often I play hockey for an hour and a half on Tuesdays an...
by Slapshot
Fri Jun 15, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 13016

Re: Timeshare ever worth it? Please share details

When we retired, we bought a fractional ownership (one quarter, 13 weeks/year) at a ski resort. We give 2 off weeks to Interval for a free membership, rent out some weeks through the resort which pays over half the maintenance fees, and get to use a unit like ours (1 bedroom lockout) on a space avai...
by Slapshot
Mon Jun 11, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 20180

Re: Life in retirement - what did you do today?

71. Retired 14 years. Got up at 6:30, ate breakfast and read the morning paper. Headed out to play hockey from 9-10:30 with our over 50 group. Came home and had lunch. Spent a couple of hours online reading news and email, researching investments, etc. Made some phone calls re. an insurance claim on...
by Slapshot
Sun Jun 03, 2018 1:18 pm
Forum: Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3445

Re: Helping son buy a house

I have 2 sons. I gave son #1 the down payment on his first house, and since then he has parlayed that original investment into over $2.5 million of rental real estate all cash flowing positively. I've lent him other money, and his checks have always direct deposited into my checking account on a mon...
by Slapshot
Sun Feb 18, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Martha’s Vineyard: Is 2 weeks too long of a vacation there?
Replies: 13
Views: 1948

Re: Martha’s Vineyard: Is 2 weeks too long of a vacation there?

As one who can daytrip there, I'd say it all depends on the weather. What time of year are you going? Summers are crowded in the towns. Hope you don't get a week of drizzle. Best time to go is September or early October.
by Slapshot
Fri Dec 15, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Fee-Only Financial Advisor Help
Replies: 19
Views: 3042

Re: Becoming a Fee-Only Financial Advisor Help

I had the same idea as you at one time. I retired early and was looking for something interesting to do. So I enrolled in a financial planner program at Boston Institute for Finance, which is affiliated with Boston University. It was an online program. I completed all the coursework but eventually r...
by Slapshot
Mon Oct 23, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 7353

Re: what is your weekly workout routine?

Almost 71. Good shape. MWF at the gym for an hour full body circuit workout. 2 or 3 upper body lifts then a leg/back exercise, repeat with different exercises, including some plyometric jumps. Sunday, Tuesday, Thursday a 20 mile bike ride, although on many Tuesdays and Thursdays I play hockey for an...
by Slapshot
Wed Aug 30, 2017 12:33 pm
Forum: Personal Investments
Topic: Preparing for RMD
Replies: 9
Views: 1185

Re: Preparing for RMD

I, too, have the RMD taken proportionally out of the 4 funds in my IRA and deposited in my brokerage account money market fund. I set it up on the Vanguard website, and it's now on automatic pilot. Very easy to do. They even take out the taxes if you want.
by Slapshot
Fri Aug 11, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 6713

Re: Boston to Maine road trip

Hoops, you could stay at the Braintree Marriott and take the T into Boston very easily. Then no parking hassles. Bet the hotel has a shuttle that could drop you off and pick you up at at the Braintree or Quincy Adams stations. Depends if you want to see more of Boston or the north suburban area.
by Slapshot
Wed Aug 09, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 6713

Re: Boston to Maine road trip

If you plan on being anywhere around North Conway at any time around Columbus Day, make sure that you make reservations ahead of time. I speak from experience.