Search found 78 matches

by johan_s
Wed Mar 24, 2021 4:05 pm
Forum: Personal Consumer Issues
Topic: Need a TV - What Brand
Replies: 37
Views: 2265

Re: Need a TV - What Brand

:idea:
livesoft wrote: Wed Mar 24, 2021 8:18 am If you get a Samsung, then you will minimize regret. This is not hard.
I second this; I’ve only had two TVs in my adult life, both Samsung. Just got a 65” for the basement and it looks amazing.
by johan_s
Sat Feb 20, 2021 7:17 pm
Forum: Personal Consumer Issues
Topic: Retiring to Vermont/New Hampshire area
Replies: 91
Views: 7051

Re: Retiring to Vermont/New Hampshire area

We lived in Woodstock, VT for four years and just left this past summer. We really enjoyed our time there with our young son. Great hiking, nearby skiing, good schools. We rented the entire time as housing was out of our price range. Also enjoyed being close to Hanover; lots of great cultural events...
by johan_s
Fri Dec 25, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Does PenFed have hidden Fees?
Replies: 28
Views: 1842

Re: Does PenFed have hidden Fees?

Got a mortgage through PenFed in August at 2.625 with 1500 in lender credits. No origination or other fees. The underwriter was great and very responsive; the processor never responded to any of my emails or phone calls, and only emailed to ask for documents. We had about 45 days till close; on the...
by johan_s
Thu Dec 24, 2020 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Does PenFed have hidden Fees?
Replies: 28
Views: 1842

Re: Does PenFed have hidden Fees?

Got a mortgage through PenFed in August at 2.625 with 1500 in lender credits. No origination or other fees. The underwriter was great and very responsive; the processor never responded to any of my emails or phone calls, and only emailed to ask for documents. We had about 45 days till close; on the...
by johan_s
Thu Dec 24, 2020 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Does PenFed have hidden Fees?
Replies: 28
Views: 1842

Re: Does PenFed have hidden Fees?

Got a mortgage through PenFed in August at 2.625 with 1500 in lender credits. No origination or other fees. The underwriter was great and very responsive; the processor never responded to any of my emails or phone calls, and only emailed to ask for documents. We had about 45 days till close; on the ...
by johan_s
Sun Dec 06, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 374
Views: 47590

Re: What video games are you currently playing?

My seven year old found my little NES Classic when we were unpacking this fall, so we’ve been playing a lot of Super Mario Bros 1/2/3. It’s amazing how you remember where the 1ups and beanstalks are after 30 years! I’ve been enjoying Forza on the Xbox recently and even though it’s ridiculously old, ...
by johan_s
Sun Nov 08, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Favorite Holiday Food/Fruit/Treat Delivery web sites
Replies: 11
Views: 1463

Re: Favorite Holiday Food/Fruit/Treat Delivery web sites

Zingerman’s. Coffee cakes, bacon, canned fish, passion fruit curd, hot sauce, too many delights to list.
by johan_s
Tue Oct 27, 2020 6:15 pm
Forum: Personal Consumer Issues
Topic: Tour of New England- help me plan
Replies: 58
Views: 3009

Re: Tour of New England- help me plan

Really love the New England area. Fly into Boston for a day or two and enjoy the historic sites - as stated earlier Mike’s Pastries are near Italian District and Old North Church. Very good food at any of the Italian restaurants. Research some of the more famous lighthouses on the drive up the coas...
by johan_s
Sat Oct 24, 2020 5:32 pm
Forum: Personal Consumer Issues
Topic: Collected short stories by one author
Replies: 21
Views: 1147

Re: Collected short stories by one author

Welcome to the Monkey House - Kurt Vonnegut
The Stories of a Breece D’J Pancake - Breece D’J Pancake

The Pancake stories are outstanding and tragic considering he took his own life at 26. In her review, Joyce Carol Oates likened his literary debut to that of Hemingway.
by johan_s
Fri Oct 23, 2020 6:57 am
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 179
Views: 15687

Re: Where do you buy coffee beans?

I used to live down the street from PT Coffee in Topeka, KS. During the pandemic, I began reordering From them online. The beans arrive two days after they are roasted. Similar price point with Stumptown, which is also excellent.
by johan_s
Sun Sep 06, 2020 7:29 am
Forum: Personal Consumer Issues
Topic: National Parks in Winter
Replies: 33
Views: 2701

Re: National Parks in Winter

I second Death Valley, though the desert parks can still get chilly at night. The daytime temps will be great. You could also check out the southern Arizona parks: Saguaro, Organ Pipe.
by johan_s
Wed Aug 26, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 14020

Re: Thoughts on Tennessee

Wife & I retired to Tn - We Like it... If you've ever lived outside the city limits and liked it, you'll probably like Tennessee. It's easy livin with a built in exercise plan! - a Beautiful Scenic part of the country. We live East Tn, bout 20 miles south a Knoxville, very close to Vonore menti...
by johan_s
Tue Aug 25, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 14020

Re: Thoughts on Tennessee

My family just relocated to Maryville, TN about two months ago from central Vermont. It was a work related move, so we were limited to looking within an hour radius of Gatlinburg. (We nixed Gatlinburg area pretty quick as an option, due to how touristy it is and the traffic congestion due to being t...
by johan_s
Sat Aug 15, 2020 6:58 pm
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 146
Views: 11432

Re: Terrible experience with Ally bank- buyer beware

That is too bad. I have wired money from Ally multiple times (including large amounts for down payments). I have never had an issue getting to wire complete by at least the next business day (it does not always happen the same business day). That being said, a few times to avoid potential issues, I...
by johan_s
Fri Jul 10, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 229
Views: 16874

Re: Who is your favorite fiction author and what is your favorite book of theirs?

hicabob wrote: Fri Jul 10, 2020 5:53 pm Kurt Vonnegut. Hard to pick a favorite since I have devoured them all but perhaps Slaughterhouse-Five.
Mother Night seems appropriate these days.
by johan_s
Fri Jul 10, 2020 4:50 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 229
Views: 16874

Re: Who is your favorite fiction author and what is your favorite book of theirs?

The Collected Stories of Breece DJ Pancake - short stories and his only publication - or for a repeat writer -
Killing Commendatore - Haruki Murakami
by johan_s
Tue Jul 07, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: 30 year mortgage under 3%
Replies: 301
Views: 48288

Re: 30 year mortgage under 3%

I just locked a 30 year with 20% down at 2.875% with a ~$3000 lender credit. (PenFed) My wife got that job offer and relocation orders at just the right time it seems.
by johan_s
Sun May 17, 2020 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Mountain cabin?
Replies: 24
Views: 3855

Re: Mountain cabin?

I thought I'd answer some of the questions that have come up, to provide more info. A big thank you to those who have weighed in. I currently have 1.6 mm in retirement and taxable, and when I retire in 3 years (or more) will have choice of a pension, at 5.6K/month, no COLA, or about 800K to 1mm as ...
by johan_s
Thu Apr 02, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 459
Views: 35953

Re: So what are you cooking

whaaat? recipe please Pressure cooker pork shoulder. Rub the meat with honey, garlic, calabrian peppers, paprika and red pepper flakes. Put in a pressure cooker with a cup of broth plus a generous amount of chopped onions and sliced oranges. Cook under pressure for however long is necessary. Once d...
by johan_s
Tue Mar 24, 2020 4:53 am
Forum: Investing - Theory, News & General
Topic: What is the point of stocks?
Replies: 101
Views: 6904

Re: What is the point of stocks?

Base of most soup recipes. More flavorful substitute for water?
by johan_s
Sun Mar 22, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 459
Views: 35953

Re: So what are you cooking

Marcella Hazan’s Bolognese Sauce
by johan_s
Sat Mar 21, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 459
Views: 35953

Re: So what are you cooking

Pressure cooker pork shoulder. Rub the meat with honey, garlic, calabrian peppers, paprika and red pepper flakes. Put in a pressure cooker with a cup of broth plus a generous amount of chopped onions and sliced oranges. Cook under pressure for however long is necessary. Once done, shred with forks....
by johan_s
Mon Mar 02, 2020 3:48 pm
Forum: Personal Investments
Topic: 45, ~15 years left, wondering about best TSP allocation
Replies: 8
Views: 1666

Re: 45, ~15 years left, wondering about best TSP allocation

My wife and I are both FERS feds (41 and 38). Our ISP states between 80/20 and 85/15 across the board. We approximate Total US with C and S in TSP. Hold G as our sole bond fund. And approximate Total Intl. in Vanguard Roth IRAs, with Intl being about 15% of total stock holding. (At least until the n...
by johan_s
Sun Feb 09, 2020 8:40 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 32296

Re: What is the best concert you ever witnessed?

I am enjoying this thread. A few of my favorites. Phish - 12/29/96 Philly, PA (Champagne Supernova, really?) Moe. 7/11/98 - Pontiac, Michigan Joshua Bell with Indianapolis Symphony ~2005 (American premiere of Ranjbaran concerto) Roger Waters 2017 (Us and Them) David Byrne 2018 (American Utopia) Radi...
by johan_s
Sat Feb 08, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Maintain Credit Rating: Upcoming Auto/Home Loans
Replies: 9
Views: 795

Re: Maintain Credit Rating: Upcoming Auto/Home Loans

I don't think you need to worry. If you have no debt now, your car loan probably won't make much of a dent at all since the hit from the car loan will likely be slightly offset from the benefit of having more different types of credit than you currently have. If your score is 780, that's a very goo...
by johan_s
Sat Feb 08, 2020 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Maintain Credit Rating: Upcoming Auto/Home Loans
Replies: 9
Views: 795

Maintain Credit Rating: Upcoming Auto/Home Loans

Hello Bogleheads, I have a question about maintaining high credit rating for a home purchase. My family will very likely be moving out of state and buying a new home in ~1 year. It will be a PCS (permanent change of station, paid move). Therefore, we will not be able to significantly move up or dela...
by johan_s
Sat Jan 11, 2020 8:10 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1549
Views: 92637

Re: What are you listening to now

As a drummer, I did bust out the Rush albums last night.

Lots of Miles Davis responses; I’ve really been into Ambrose Akinmusire recently. He’s an outstanding trumpet player. I have tickets to see him with Jack DeJohnette in March down in NYC.
by johan_s
Tue Dec 24, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: New Mexico Camping in June with Kids
Replies: 12
Views: 1074

Re: New Mexico Camping in June with Kids

Bandelier National Monument is a spectacular park, with Native American cliff dwellings that your kids would probably love to visit. I haven't camped there myself, but I have seen their campgrounds and they look very nice. The park is close to Los Alamos, with the Bradbury Museum, and about an hour...
by johan_s
Mon Nov 18, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Blue Cross Standard versus Basic
Replies: 66
Views: 31435

Re: Federal Blue Cross Standard versus Basic

I’ve had BCBS Basic for the last 15 years: 7 years single, and eight years with a wife and child. (I’m 41.) We’ve never had any issues with coverage/doctors, having lived in Downeast Maine; Lawrence, Kansas; and now central Vermont. I have a chronic condition requiring regular visits and have six pr...
by johan_s
Sun Oct 13, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Deleted
Replies: 14
Views: 1606

Re: Deleted

No one actually answered the questions I posted, so deleting the body of the post. It looks like your question was only up for 3 hours and 10 minutes. It may often take longer than that to get an answer you find useful. Especially on a Sunday morning, many of us may not have even had our morning ca...
by johan_s
Fri Sep 13, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Subaru and the oil consumption problem
Replies: 6
Views: 1084

Re: Subaru and the oil consumption problem

My ‘13 Forester had the excessive oil consumption issues also and had the short block replaced. It took numerous oil consumption tests and some elevation beyond the dealer to corporate, but it finally happened. The dealer kept telling me it passed and I showed time stamp dated photos that it failed ...
by johan_s
Thu Aug 15, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 12424

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Yes, it is. Especially when it’s on sale for $2.99 a pint. Freezer gets much more tightly packed.
by johan_s
Tue Jun 11, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 subaru forester 96k, replace or run into the ground?
Replies: 24
Views: 2342

Re: 2015 subaru forester 96k, replace or run into the ground?

Hi, I have a 2015 subaru forester with 98k miles that I purchased in 2014, edmunds calls trade in value $10k, paid $24k. Typically we try for at least seven years for our cars but we didn't have a lot of luck with our last subaru and consumer reports gives it a 3 out of 5 for reliability. sell and ...
by johan_s
Sat Jun 01, 2019 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Resources for Federal Employees
Replies: 16
Views: 1527

Re: Resources for Federal Employees

Check with your agency’s HR department or training/learning and development branch. My agency offers regular benefit/retirement seminars for employees. There are usually two versions: one for mid-career employees and one for employees looking to retire in the next couple years. Some are webinars, ot...
by johan_s
Sun May 26, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: Three days In Montreal
Replies: 21
Views: 1741

Re: Three days In Montreal

Contemporary Art Museum
Au Pied de Cochon (for foie gras everything)
Les Enfant Terribles (rooftop brunch/bar great views)
Jean Talon market (go hungry)
by johan_s
Wed May 08, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2457

Re: Backpacking/study abroad for young folks

I spent my senior year on exchange at a university in England, roughly 11.5 months total. I didn’t want to study with a cohort of American students embedded in a foreign university, and unfortunately I didn’t have the foreign language capability to study in a non-English speaking university. So, I o...
by johan_s
Wed Jan 09, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Weekend in “west” ... recommendations
Replies: 17
Views: 1340

Re: Weekend in “west” ... recommendations

Rupert wrote: Wed Jan 09, 2019 7:52 am A resort in Santa Fe
+1
by johan_s
Sun Dec 23, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: French Press recommendations
Replies: 24
Views: 1670

Re: French Press recommendations

I’ve used several different glass Bodum French presses over the last 12 years, especially the ~34 oz, as my daily driver. They do the job.I wouldn’t worry about the insulation factor. If you’re leaving the coffee in a press, for more than a couple of minutes, you’re over-extracting it anyway. If you...
by johan_s
Fri Jul 27, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 7413

Re: Talk to me about Le Creuset

Muri wrote: Fri Jul 27, 2018 7:42 pm That's all I have. Everything else is All Clad Stainless and some cast iron pans.
Ditto.
by johan_s
Thu Jul 26, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 229
Views: 18214

Re: Toughest Purchase of my Life. Engagement Ring time

I found out what her favorite stones were (not diamonds); had the engagement ring custom made with her favorite stone (and wedding band). She much preferred the custom band work and the thoughtfulness of the stone selection over the ‘classic’ I spent a bunch of money on a diamond because everyone el...
by johan_s
Fri Jul 06, 2018 5:24 am
Forum: Personal Consumer Issues
Topic: A week in Montreal in August, advice/suggestions?
Replies: 14
Views: 959

Re: A week in Montreal in August, advice/suggestions?

Good recommendations in the multi-day itinerary above. I like to eat: Smoked meat sandwich at Schwartz’s deli; bagels at Fairmount; brunch at Les Enfants Terribles (downtown rooftop with amazing views of the city); dinner at Au Pied de Cochon is quite an experience. For lighter dinner fare, we’ve ha...
by johan_s
Mon May 14, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 4265

Re: Grand Canyon or other Nat'l Park in October?

Grand Canyon is spectacular, but Death Valley is the geologists paradise. I’ll just preface by saying my wife also has a masters in Geology. And we’re both park rangers that have worked here. So, I might have a sense of where you’re coming from. ;) It can still be warm, but tolerable, probably up to...
by johan_s
Sun May 13, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 3924

Re: Subaru Crosstrek vs Outback

I second the suggestion for Blizzaks on the Subaru in winter. I bought a set for my Forester when we moved up to central Vermont a few years ago and they are excellent winter tires. Performance is much improved over all-seasons.
by johan_s
Sun May 06, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Open-ended question about vacationing in Yosemite or a different national park
Replies: 49
Views: 4862

Re: Open-ended question about vacationing in Yosemite or a different national park

We did Yosemite in early Sep of 2016. Was very crowded. Wife got car sick going round and round the mountain road to get there with the 10 or 15 mph constant turning. Yosemite is relatively small. 3 or 4 million tourists pack into an area that is only maybe 3 miles by 2 miles. In contrast is Yellow...
by johan_s
Tue May 01, 2018 5:07 pm
Forum: Personal Investments
Topic: New Poster Asking for Portfolio Review
Replies: 6
Views: 1158

Re: New Poster Asking for Portfolio Review

There is a Wiki on Approximating Total International with the TSP. We do as previously suggesting and hold Emerging Markets Admirial and FTSE all-World ex-US Small Carp holdings in our Roth IRAs. https://www.bogleheads.org/wiki/Approximating_total_international_stock_market We’re utilizing this stra...
by johan_s
Sun Apr 29, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: Visiting OK and KS with family
Replies: 31
Views: 2934

Re: Visiting OK and KS with family

Depending on the interests of your family, there is also a swath of history museums. Truman library and Presidential home in Independence, MO. Brown v. Board of Education National Historical Site in Topeka, KS is the former all-black elementary school that become the icon of the decades long legal c...
by johan_s
Fri Apr 06, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Waterbury, Stowe, Burlington, VT
Replies: 12
Views: 1140

Re: Waterbury, Stowe, Burlington, VT

Sorry, I live 90 minutes south of Burlington, so I haven’t stayed in any of the hotels or resorts. We usually camp at one of the state parks in the area if we’re doing an overnight.
by johan_s
Fri Apr 06, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Waterbury, Stowe, Burlington, VT
Replies: 12
Views: 1140

Re: Waterbury, Stowe, Burlington, VT

Off the top of my head. Too many breweries to choose from: Hill Farmstead Brewery in Greensboro has been rated near the top for the last couple years; about 90 minutes from Burlington, but if you’re headed to Stowe, you’re half way there. It’ll be a long wait on a holiday weekend, which I’m sure you...