Search found 132 matches

by Volkdancer
Thu Aug 22, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Dual-use "dress" / comfy shoes: Matte Black, locally sourced--starting with Brown Rockport Pro-walkers
Replies: 14
Views: 1170

Re: Dual-use "dress" / comfy shoes: Matte Black, locally sourced--starting with Brown Rockport Pro-walkers

Maybe take a look a SAS (San Antonio Shoes). Somewhat above your $150. Maybe a bit nerdy. But.... I wore as my only pair on a two month trip to India, China, and Japan. Used for city walking, Some hiking in India. Dancing with locals in gadens in Chinese cities. Clambering in the woods behind variou...
by Volkdancer
Tue Aug 06, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: How to deal with rainy weather on Ireland trip
Replies: 21
Views: 1015

Re: How to deal with rainy weather on Ireland trip

I visited Ireland last year from August 31 to October 10 walking everywhere except between towns, and even sometimes then, and was comfortable with a pair of medium hiking socks from REI, the green ones, and a pair of SAS shoes. Did several 10 mile walks, Bectine Abbey to Tara and Rope Bridge to Gia...
by Volkdancer
Thu May 23, 2019 11:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 41
Views: 4411

Re: Vanguard website fail at the propitious moment

Since it is propitious then it is a very good thing to have happened!

Karl V
by Volkdancer
Sat Apr 20, 2019 12:55 am
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 129
Views: 12444

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Just for fun, you might enjoy playing with the trip planner at airtreks dot com. They specialize in multidestination travel. Will not do single destination. The planner is a world map, you pick wherever you want to go or places you never thought of, rearrange in whatever order, and get an estimate r...
by Volkdancer
Fri Apr 19, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 129
Views: 12444

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

I am at Narita airport heading back to the states after ten weeks busing from Mumbai to Chennai, Hong Kong via Shenzhen, Beijing, Shanghai, and a few smaller cities, took ferry to Osaka and then Kyoto, Nara, and Tokyo. Travel solo, with an Osprey 4400 pack, travel inexpensively, and don't schedule a...
by Volkdancer
Tue Mar 19, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 4390

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

On my current trip which has consisted of a month traveling by bus from Mumbai to Chennai through Karnataka, walking five to ten miles a day, some pedaling, climbing around rock caves, and carrying a sixteen pound pack, and the other day a five hour walk up to and around Victoria and Austin Peak, I ...
by Volkdancer
Fri Mar 15, 2019 5:24 am
Forum: Personal Consumer Issues
Topic: Trip to Osaka in late July early Aug. Must see. Things to do.
Replies: 26
Views: 2318

Re: Trip to Osaka in late July early Aug. Must see. Things to do.

Several other suggestions not already mentioned: Day trip to Himeji to see the castle Small canal town of Kurashiki is delightful with lovely Shinto complex in center, lots of traditional craft shops Koyasan is one of the most sacred sites in Japan, an extraordinary very old cemetery which is where ...
by Volkdancer
Wed Mar 13, 2019 10:51 pm
Forum: Personal Consumer Issues
Topic: Trip to Osaka in late July early Aug. Must see. Things to do.
Replies: 26
Views: 2318

Re: Trip to Osaka in late July early Aug. Must see. Things to do.

Besides doing Dotombori on your own, the Cup Noodle Museum about the invention of instant ramen is fun and visiting the ethnographic.museum on the site of the Osaka Expo. Details about how to get there will be in any competent guidebook.

Karl V
by Volkdancer
Tue Jan 29, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Do you do backpacking in your 50s or 60s?
Replies: 51
Views: 3849

Re: Do you do backpacking in your 50s or 60s?

Some observations from my experience: I enjoy hostels. Some have only dorm rooms. Some have single rooms. Enjoy ryokans in Japan. Delightful, very inexpensive hotel rooms can be found in Southeast Asia. Bed and brekkies do not have to be expensive in Ireland. Many options. I never use a guide except...
by Volkdancer
Fri Dec 07, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Occlusal guard (night guard) from dentist vs online
Replies: 10
Views: 1056

Re: Occlusal guard (night guard) from dentist vs online

Consider just buying a mouthguard at a sporting goods store. That is what I did years ago and for hundreds less than what the dentist wanted for essentially the same thing. It worked out fine for me. And for several friends who decided to do the same. You can easily try the sports mouth guard first ...
by Volkdancer
Fri Nov 30, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have both CapOne 360 and CapOne brick & mortar accounts?
Replies: 4
Views: 261

Re: Anyone have both CapOne 360 and CapOne brick & mortar accounts?

I have had, and have, 360 savings, money market, and CapOne credit cards, and have successfully used the Capitol One brick and mortar to access and interact among the 360s several times. The teller access the accounts to through their terminal. So go ahead and do the changing.

Karl V
by Volkdancer
Sat Nov 24, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Trip to Ireland
Replies: 12
Views: 1121

Re: Trip to Ireland

Bigfish, If you need a guided tour I would suggest you look at Rick Steve's offerings in re Ireland if the scheduled times allow. However, if there are only two of you, consider doing Ireland on your own. It is quite easy, rather like visiting a fifty-first state, the difference between Louisiana an...
by Volkdancer
Thu Nov 01, 2018 9:21 am
Forum: Non-US Investing
Topic: Pension Allocation [Ireland]
Replies: 9
Views: 628

Re: Pension Allocation [Ireland]

Having some bonds in your portfolio will be like making sure your trailer is not parked too close to the cliff when the occasional 150 kph winds attack. You will be very glad that you did.

Karl V
by Volkdancer
Mon Aug 27, 2018 5:05 pm
Forum: Non-US Investing
Topic: Retiring to USA from Australia
Replies: 22
Views: 1566

Re: Retiring to USA from Australia

My sister considered moving back to the US when she retired after living and working and raising some of her children in Oz for thirty years, and having all the privileges of Aussie citizenship including superannuation and health care. She really wanted to move back for family reasons and spent two ...
by Volkdancer
Mon Aug 20, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Retire and become an Adventure Guide
Replies: 34
Views: 2967

Re: Retire and become an Adventure Guide

Depending on your location (they offer trip opportunities throughout and outside the US), you could look into Sierra Club or Appalachian Mountain Club leadership programs where you can begin with short trips and grow into longer ones as your determination and skills develop. The AMC Adventure opport...
by Volkdancer
Fri Aug 17, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 4417

Re: Best (most practical, low cost) Luggage for Airline Travel

A minimalist traveler here but for what it's worth, for two 4-month traveling's in Asia the past two years, I used only an Osprey Ozone 46. Fits in overhead easily enough, has straps to compress when stuffed. Accepted on 14 different airlines, international and domestic. Useful to have a light jacke...
by Volkdancer
Tue May 01, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 59
Views: 5929

Re: Must See in South Dakota

You might also find the National Music Museum on the campus of the University of South Dakota in Vermillion interesting: http://nmmusd.org

It may be a little out of the way but is a fascinating space.

Karl V
by Volkdancer
Tue Jan 23, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Medicare plan G supplement costs?
Replies: 15
Views: 1287

Re: Medicare plan G supplement costs?

Charles, You can find that information on the Medicare website by available policies and estimated costs by state. Karl V
by Volkdancer
Sat Nov 25, 2017 8:08 pm
Forum: Personal Investments
Topic: Unfortunately I learned to save late in life, help me choose optimal 401(K) funds, can't believe I'm turning 40 yrs old
Replies: 10
Views: 2025

Re: Unfortunately I learned to save late in life, help me choose optimal 401(K) funds, can't believe I'm turning 40 yrs

You can relax. 40 is not too late as WCI stated. I am an example as I had no retirement savings at the age of 40 and minimal Social Security. Did not start consciously saving and investing for retirement until 55. And have been very happy with results now in my mid-70s. What you need is a plan and t...
by Volkdancer
Sat Nov 25, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 24173

Re: The fallacy of spending money on "experiences" vs hard assets

Or learning how to cross the street in HCMC with some degree of confidence! That too is an experience!

Karl V
by Volkdancer
Thu Oct 12, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: China visa service recommendations
Replies: 5
Views: 699

Re: China visa service recommendations

I have been using VisaHQ.com for multiple Asian visas, and visa advisement, and they have provided excellent service. Once your data is in their files, you do not have to do it again unless country specific requirements call for additional. I am currently traveling on Asia and was able to get visas ...
by Volkdancer
Tue Oct 03, 2017 1:06 am
Forum: Non-US Investing
Topic: US Expat in Japan looking for options
Replies: 11
Views: 1700

Re: US Expat in Japan looking for options

A suggestion for when you do act: install a VPN for communicating with whatever US company you choose to work with. That will help to keep your information private. A second advantage is that you can choose which of the servers your VPN provider provides so that the investment company sees your data...
by Volkdancer
Fri Sep 29, 2017 2:07 am
Forum: Personal Consumer Issues
Topic: Personal finance help for those below/near poverty line
Replies: 48
Views: 7889

Re: Personal finance help for those below/near poverty line

If I were in a situation such as that which you are describing, I would like to see where I am in relationship to a data driven study of costs of living for specific situations and geographic areas. MIT maintains a data base that lists what the living wage is for specific family sizes and geographic...
by Volkdancer
Thu Sep 28, 2017 8:31 pm
Forum: US Chapters
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 14477

Re: Bogleheads you would most like to meet and why?

I would like to go fishing with Siamond. Some good metaphors in re investing and withdrawal rates.

Karl V
by Volkdancer
Sun Sep 24, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 15427

Re: Lifestyle Creep

I had an experience similar to what Victoria F described last night. After more than three weeks sleeping only on futons on tatami mats, I slept on a mattress in a large city accommodation and did not sleep as well as I had the preceding three plus weeks. The mattress was alternately too soft or too...
by Volkdancer
Sun Sep 24, 2017 3:21 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 15427

Re: Lifestyle Creep

I really enjoy the socializing, physical exercise, mental challenges, and the music doing Contra and English Country Dancing. But the closest dance weekend which typically run from Friday evening into Sunday afternoon is two hundred miles away and as far away as one thousand miles. Except for the Ho...
by Volkdancer
Sat Sep 23, 2017 2:01 am
Forum: Personal Consumer Issues
Topic: Older or younger people travel around?
Replies: 31
Views: 3944

Re: Older or younger people travel around?

As the preceding responders have pointed out, whom you meet will be dependent on the type of activities you do. And that most likely others who are in their fifties are probably still involved with their careers and families. If you were to do activities with the Appalachian Mountain Club, you very ...
by Volkdancer
Mon Sep 11, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 5392

Re: What do you do in slow travels?

I like to do extended traveling: ten weeks driving in eastern Europe before the change; ten weeks in Meso America by bus from San Pedro Sula to San Jose; three and one half months driving from North Carolina to New Mexico, Big Bend to Santa Fe dancing, camping, hiking; two 100+ days traveling in Asi...
by Volkdancer
Fri Aug 25, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 12277

Re: Living Expenses - what's "reasonable"?

If you want a baseline amount that reflects the differences among areas, the Living Wage data base maintained by MIT is useful: http://livingwage.mit.edu/ That gives a picture for different family sizes before and after taxes and the average income for different types of job. One could say that any ...
by Volkdancer
Mon Aug 14, 2017 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Do I Need a Trust? (for single, no children, beneficiaries, etc.)
Replies: 16
Views: 2285

Re: Do I Need a Trust? (for single, no children, beneficiaries, etc.)

Unless you want everything you own to pass through the probate process, you may want to consider as a general outline: 1. For retirement accounts, set up beneficiaries such as no-profits or charities. Otherwise the state will decide; 2. For brokerage, savings, and checking accounts, set up Transfer ...
by Volkdancer
Tue Aug 08, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 2996

Re: Santa Fe New Mexico - recommendations

In addition to the New Mexico Museum of Art, I found the collection of New Mexico Art in the state capitol building quite interesting. Plus the additional benefit of the free parking lot across the street and an easy walk to the plaza. The Wheelwright Museum of the American Indian has an excellent s...
by Volkdancer
Sun Jul 30, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 12536

Re: How to calcuate your retirement number

1. In order to determine an actuarily sound retirement number, you must know what monthly expenses can reasonably be expected in your situation. This is sine qua non. 2. Calculate the amount needed before income taxes to net the monthly expense determines in Step 1. (You can reduce this number by es...
by Volkdancer
Mon Jul 17, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: SS combined income for first year
Replies: 4
Views: 943

Re: SS combined income for first year

Since she is still working, you will need to take into consideration how income from sources other than social security will affect the amount of social payments received is taxed. There is a worksheet in the instructions for IRS Form 1040 that provides the structure for doing this.(I think the maxi...
by Volkdancer
Sun Jul 16, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: Rent or Buy in Las Cruces, NM
Replies: 12
Views: 1762

Re: Rent or Buy in Las Cruces, NM

I am biased because I really like Las Cruces having lived there years ago and have made many return visits. You will probably have to do some driving to do serious hiking and the climate is generally hot and dry but, again, I like it. There is lots of excellent hiking in the Gila Wilderness area whi...
by Volkdancer
Sat Jul 15, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 24439

Re: How are folks handling the unprecedented rise in the market ?

First, I do not think it is unprecedented. I used it as an opportunity to review my portfolio in re my Investment Policy Statement. Everything looks good. (I have a conservative portfolio) There is, oops, was, an opportunity to rebalance. Which I did, and am using the trimmings to fund three plus mo...
by Volkdancer
Wed Jul 12, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 8384

Re: $1368 for new shocks/struts on '05 Corolla?

I had a similar thing happen to me several years ago. My car was older. The tires were wearing very unevenly after a new set. I took it to a franchise and they diagnosed a full replacement of shocks and struts and new tires. I agreed. They ordered the parts but it would take a few days for all parts...
by Volkdancer
Thu Jun 08, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: Retirees: What are you doing about withdrawing?
Replies: 31
Views: 6001

Re: Retirees: What are you doing about withdrawing?

I take the easiest possible approach for me. Since all my estimated expenses for the year, including federal and state income taxes, are more than covered by the RMD and what I receive from Social Security after the WEP deduction, I have the RMD less withholding for federal and state income taxes tr...
by Volkdancer
Fri May 26, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 16102

Re: Zacks says sell Wellesley!?

My observation comes a bit late in the conversation but it relates to how one evaluates how Wellesley is carrying out is stated mandate. I looked at the portfolio holdings on M* and, although the data is only of 03/31/2017, it is revealing of what the managers are doing in this market environment. O...
by Volkdancer
Sun May 14, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 7310

Re: Switxh from iPhone to Google Fi and Pixel?

What has not been made clear is that Project Fi only charges for the actual data used. The plan starts with $20 for unlimited voice and text. Plus $10 that prepays for 1G of data. If you use only .17G your bill the next month will show a credit for the unused data to offset the $10 for the following...
by Volkdancer
Thu May 04, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 5018

Re: Visiting Paris for 8 days - what to do?

After your early morning petit dejeuner with scrumptious croissants and preserves and coffee, consider taking a walk through the local street market in the neighborhood and buy bread and cheese for your own "le dejeuner sur l'herbe." Take the funicular up to Sacre Coeur in the evening as the sun set...
by Volkdancer
Wed Apr 19, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank Just Raised 5yr CD to 2.25%
Replies: 28
Views: 5353

Re: Ally Bank Just Raised 5yr CD to 2.25%

And Capitol One's 60 month CD rate is 2.3%. Just checked. The race is on..... And here comes/there goes Beetlebobmbmbmbmb.....!!!

Karl V
by Volkdancer
Mon Apr 17, 2017 7:42 am
Forum: Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 4192

Re: Best way to take RMD

Evelyn, One other consideration in addition to the sound thinking presented by the other other respondents: If you do want to make a Qualified Charitable Distribution, you may want to consider doing so early in the year so that the charity can have use of the money for the entire year. This would al...
by Volkdancer
Wed Apr 12, 2017 8:13 am
Forum: Personal Investments
Topic: Consolidate, keep apart, or overthinking?
Replies: 5
Views: 773

Re: Consolidate, keep apart, or overthinking?

I can empathize with your situation because it can seem to be confusing. I went through the consolidation and simplification process several years when I had money in funds at eight different mutual fund companies. As it finally came to pass, I have all my invested money with Fido and maintain cash ...
by Volkdancer
Fri Apr 07, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 8957

Re: Help on how to spend more on myself (First World Whine)

Perhaps you might consider doing something intensely instead of thinking in terms of things, i.e., experiences that will stay with you and may even increase in "value" over time? For example, deciding to learn a language by buying the software, taking real courses at a local college or university, a...
by Volkdancer
Thu Apr 06, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Conceptual explanation of traditional adding machine operations?
Replies: 13
Views: 2380

Re: Conceptual explanation of traditional adding machine operations?

If you wanted to see an even more basic machine see if you can locate a comptometer. When I worked in the payroll department of a medium sized tire manufacturer in the 1960s, 18 machines were required to calculate the daily earnings for over 1500 employees working three shifts from hand-filled payro...
by Volkdancer
Tue Apr 04, 2017 6:24 pm
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 7213

Re: Early retirees - how did you inform your loved ones and friends?

I didn't. I just said I will see you next year (I retired effective May 2015) when I get back from my around the world trip and let them figure it out.

Karl V
by Volkdancer
Sun Apr 02, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: I'm thinking "no" on Medicare - pls confirm
Replies: 32
Views: 4751

Re: I'm thinking "no" on Medicare - pls confirm

You should definitely sign up for Part A now. You would be foolish not to. And it is free. So since you have coverage from your employer, you should either sign up for Part B, or get a letter from your employer to Medicare stating you do have coverage equivalent to what Part B provides. Otherwise yo...
by Volkdancer
Thu Mar 30, 2017 12:46 pm
Forum: Investing - Theory, News & General
Topic: nice short piece on the math of factor investing
Replies: 202
Views: 16110

Re: nice short piece on the math of factor investing

I had to copy and paste but that works and the article is succinct and interesting as an actionable logic.

Karl V
by Volkdancer
Wed Mar 29, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: China Trip - Visa Expediter?
Replies: 26
Views: 2628

Re: China Trip - Visa Expediter?

I used travisa and had very good results. The process was quite easy. At the time I applied in July, 2015, China was granting US citizens 10 year multiple entry visas by default. So I am going again this fall and have no concerns visa-wise.

Karl V
by Volkdancer
Fri Mar 10, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3976
Views: 1131636

Re: What Book Are You Currently Reading? Part VI

I am reading "The Minister's Wooing" and "Oldtown Folks", for the second time this year, two stories by Harriet Beecher Stowe that are included with "Uncle Tom's Cabin" in the collection of the three stories by the Library of America. "The Minister's Wooing" was published in 1859 and "Oldtown Folks"...