Search found 581 matches

by praxis
Sat Apr 10, 2021 5:09 pm
Forum: Personal Consumer Issues
Topic: Gardening 2021
Replies: 26
Views: 2115

Re: Gardening 2021

Here in our part of the South we are in zone 9a, which lists our average last frost in Feb. We got a cold snap very late and it hit the teens every night for a week. We thought we had lost most of our plants, but I believe the cold days rejuvenated even the citrus. There was die back everywhere but ...
by praxis
Fri Apr 02, 2021 8:59 am
Forum: Personal Consumer Issues
Topic: How to make strong coffee equivalent to Starbucks for cheaper?
Replies: 125
Views: 9598

Re: How to make strong coffee equivalent to Starbucks for cheaper?

I stopped roasting at home because I like dark roast and it smokes too much I roast in my garage. In nice weather I roast on my deck. Never inside the house. I roast on a cutting board I set top of my stove, and the range hood helpfully routes the smoke outside for me. :) The last straw was an earl...
by praxis
Thu Apr 01, 2021 5:15 pm
Forum: Personal Consumer Issues
Topic: How to make strong coffee equivalent to Starbucks for cheaper?
Replies: 125
Views: 9598

Re: How to make strong coffee equivalent to Starbucks for cheaper?

Has anyone mentioned cold brewing? Cold brew caffeine extract is quite high. It also gives a very flavorful and easy drinking cuppa coffee. Twelve hours in a French press in the fridge will do nicely. I'm surprised it took this much thread to mention cold brew. I received a Toddy rig for Christmas ...
by praxis
Wed Mar 31, 2021 3:35 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 228
Views: 22167

Re: High spenders what do you spend on?

After retirement (16 years ago) we built a cabin in Colorado with surrounding forest land in the mountains and spend four summer months there and some ski time in the winter. That's the only thing I can think of that was high spending for us. We partnered with friends so we have an expensive second ...
by praxis
Sat Mar 20, 2021 7:45 am
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 240
Views: 23000

Re: What is the BEST thing you spent money on?

ebag Motherlode Travel Backpacks for both of us. That purchase forced us to hone our "travel light" strategies. We've carried them on twenty international and US trips and because we never check them, they stay in good shape. Fully packed for a 3 week trip including warm and cool weather o...
by praxis
Sun Feb 21, 2021 4:56 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead Lessons From the Texas Winter Storm?
Replies: 226
Views: 18516

Re: Any Boglehead Lessons From the Texas Winter Storm?

One more thing I thought of for emergency situations when the water supply is not working. Most homes have about 50 gallons of water in their hot water tank that can be used in an emergency. Gives a new perspective for those thinking of a tankless water heater... For another perspective: A neighbor...
by praxis
Tue Feb 16, 2021 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: How should I spend all this money?
Replies: 72
Views: 9059

How should I spend all this money?

Now retired, I struggle with moving my spending patterns from acquisition to distribution. I've always been thrifty, so splurging on almost anything is hard for me. My savings exceed my needs by a lot. I donate to charities and families in need and help my children and support causes and organizatio...
by praxis
Sun Feb 14, 2021 1:13 pm
Forum: Personal Consumer Issues
Topic: What are your staple healthy meals?
Replies: 122
Views: 10039

Re: What are your staple healthy meals?

Eating mostly vegetables which we like in large salads or roasted. We grow arugula, mint, basil, tarragon, parsley, cilantro for the salads. We are happy that avocados have gotten cheap. Replaced low fat ground turkey in our beef recipes a year ago and enjoy as tacos, over grilled eggplant, in lasag...
by praxis
Fri Feb 12, 2021 1:23 pm
Forum: Personal Consumer Issues
Topic: Breakfast cereal?
Replies: 172
Views: 18373

Re:

+1 to CaliJim, cereals are no way to start the day, unless you think starting with a massive insulin and blood sugar spike is the way to go... I love cereal with cold milk but this is why I don't eat it anymore. I get hungry in an hour or two after any brand. I admit that oatmeal sticks around long...
by praxis
Fri Feb 12, 2021 11:04 am
Forum: Personal Consumer Issues
Topic: Top thing you worry about in your life now
Replies: 24
Views: 1666

Top thing you worry about in your life now

The most common worry of people is money. Bogleheads say managing your money does not need to be overwhelming. But they also say: start early, live below one's means, save regularly, diversify investments and stick to your investment plan. Using low cost index funds and following this advice has re-...
by praxis
Thu Jan 21, 2021 2:05 pm
Forum: Investing - Theory, News & General
Topic: Why don't stock prices go up on payday?
Replies: 50
Views: 9643

Re: Why don't stock prices go up on payday?

I believe the OP is overestimating how significant the dollar amount is for payroll contributions relative to how much is being traded per day. Payday going into 401Ks and the like is most likely nearly invisible against the volume of stock trades day in and day out from all the professionally mana...
by praxis
Thu Jan 21, 2021 1:53 pm
Forum: Personal Consumer Issues
Topic: How to buy a boat? (the process)
Replies: 39
Views: 3272

Re: How to buy a boat? (the process)

Would it be possible/likely to lease a boat as an alternative? I'm suggesting to try leasing a boat if possible for a year or two. There have been threads of dedicated new boatowners who become disenchanted and are stuck with a boat. If a leasing was a viable option and enthusiasm diminishes its a ...
by praxis
Sun Jan 17, 2021 5:20 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 179
Views: 15672

Re: Where do you buy coffee beans?

shariq1989 wrote: Mon Nov 09, 2020 9:44 pmCostco
me too, but I buy their Ruta Maya one kilo dark roast whole bean.
by praxis
Sun Jan 17, 2021 3:21 pm
Forum: Personal Consumer Issues
Topic: Real reviews of Gas Hot water heaters
Replies: 31
Views: 2276

Re: Real reviews of Gas Hot water heaters

We have had Rinnai and Rheem on-demand heaters for 15 years. Love em. Not going back to tanks.
by praxis
Sun Jan 17, 2021 3:15 pm
Forum: Personal Consumer Issues
Topic: How to deter rodent from chewing wires in car
Replies: 50
Views: 3767

Re: How to deter rodent from chewing wires in car

OnTrack wrote: Sun Jan 17, 2021 2:44 pm I've had good luck with keeping the hood open whenever it is not being driven in areas where pack rats are a problem.
good idea
by praxis
Sun Jan 17, 2021 2:22 pm
Forum: Personal Consumer Issues
Topic: How to deter rodent from chewing wires in car
Replies: 50
Views: 3767

Re: How to deter rodent from chewing wires in car

This is a big problem around here. After some research, I put these on both cars: https://www.amazon.com/gp/product/B00D2AQYI2/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1 It's just an LED that flashes every few seconds. The theory is that moving shadows make rats think they are seeing preda...
by praxis
Thu Jan 14, 2021 3:36 pm
Forum: Personal Consumer Issues
Topic: Power is Out - Do you Know How Long Food Lasts in Fridge?
Replies: 39
Views: 2175

Re: Power is Out - Do you Know How Long Food Lasts in Fridge?

It depends on the food. We endure outages regularly, either from hurricanes (sometimes days or weeks) and windstorms and heavy snows that take down lines. We keep plastic bottles of water in our freezer always. If food begins to thaw, we buy some bags of ice and pack it in coolers and we cook the re...
by praxis
Thu Jan 07, 2021 8:49 am
Forum: Investing - Theory, News & General
Topic: What if the market stops going up?
Replies: 71
Views: 8003

Re: What if the market stops going up?

It's hard to predict with accuracy. We say that daily. Once you've won the game, leave the table, so as a retiree, I am slowly shifting my asset allocation so that "safer" investments can sustain us even if we take a big hit on stocks. I did it again last week. I wish I had better returns ...
by praxis
Fri Dec 11, 2020 3:49 pm
Forum: Personal Consumer Issues
Topic: Where to Retire?
Replies: 262
Views: 23850

Re: Where to Retire?

plan on keeping our house in NJ and doing summer on Cape cod and rest of year back in NJ. Id like to also buy a house in NC area for winters, but wife doesnt want that much moving around. This might be an option Split the year into two modest residences in two different places. You're retired and w...
by praxis
Sat Dec 05, 2020 3:25 pm
Forum: Personal Consumer Issues
Topic: Fish Prep Ideas
Replies: 33
Views: 2022

Re: Fish Prep Ideas

Bottled Italian dressing has a good balance of vinegar, oil and garlic for a seafood or chicken marinade. We often buy larger filets and freeze portions in ziplocks. Once thawed and about 30 minutes before cooking, we pour a little dressing into the bag with the fish. This marinade works for any coo...
by praxis
Tue Nov 17, 2020 8:29 am
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26331

Re: Long time retirees: any regrets?

Time has just gone by in a blurrrrr... faster and faster. This is what I've noticed the most - how time seems to fly by. Retired 9 years and don't miss the work anymore (healthcare). Don't like being on the other side, however. We're not suppose to get the medical ills our patients got, right? To s...
by praxis
Mon Nov 09, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: How do YOU handle home security [alarm systems]
Replies: 89
Views: 6719

Re: How do YOU handle home security [alarm systems]

I installed a two-bulb motion activated floodlight aimed at our driveway. I always know when the neighborhood cat is walking around at night. I bought a fake tv camera and fake security company stickers for our mailbox and doors. There are stories pro and con about robbers grabbing some valuables an...
by praxis
Tue Nov 03, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Nine Volt Batteries
Replies: 61
Views: 4130

Re: Nine Volt Batteries

I got tired of the 2AM wakeup beeps even when changing them annually so I changed all mine to hardwired with no battery backup. The chance of the power going out simultaneous to a fire is low. Mine still beeped occasionally. My electrician told me it was likely spiders, so now once a year I remove t...
by praxis
Sat Oct 31, 2020 5:05 pm
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26331

Re: Long time retirees: any regrets?

Time has just gone by in a blurrrrr... faster and faster. This is what I've noticed the most - how time seems to fly by. Retired 9 years and don't miss the work anymore (healthcare). Don't like being on the other side, however. We're not suppose to get the medical ills our patients got, right? To s...
by praxis
Thu Oct 29, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26331

Re: Long time retirees: any regrets?

I loved my 30 year career and was shocked when reorganization during a merger "retired" me. After a dizzy 6 months I decided to accept it and stopped looking for another job. It's been 15 years and here's two observations: 1) covid has stopped our travel plans. We would have traveled even ...
by praxis
Tue Oct 20, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 626
Views: 85722

Re: What lifestyle creep made you happier?

Another example can be a vacation home. (This example depends on the home, the personality of the owner and the amount of time spent there.) At first it seams great, a place away that you and your family can enjoy whenever you want. But instead of renting different place and exploring new and excit...
by praxis
Sun Oct 18, 2020 5:01 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 234
Views: 14164

Re: Which diet soda pop do you enjoy?

How did I miss this thread for so long? Earl, I whole heartedly endorse your original list. I love all of them, including Mountain Dew and A&W Root Beer. I also really like Fresca once in a while...... I really crave a good grape flavor though, but I’ve never found one. (I’ve found some diet gr...
by praxis
Thu Oct 08, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Most Effect Rodent Deterrent Spray for Engine
Replies: 12
Views: 966

Re: Most Effect Rodent Deterrent Spray for Engine

Our cars are parked in the woods all summer and often had wire and tubing damage from rodents. I bought a bottle of the peppermint oil and sprayed the wheel wells and engine compartment. But I also bought 2 ultrasonic devices that emit a sound that you or your dogs can't hear but repel rodents. So f...
by praxis
Tue Sep 08, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 166
Views: 18318

Re: Older Women Lifting Weights

My wife is 66 and lifts weights every day as part of her workouts, which she varies daily. Her weights are dumbbells in 3, 5, and 10 lb pairs. We belong to a gym with several group classes of different levels. Many of those classes involve weight training together with cardio and body weight exercis...
by praxis
Wed Sep 02, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: What expenditures improved your happiness/quality of life?
Replies: 234
Views: 42680

Re: What expenditures improved your happiness/quality of life?

Mountain cabin. We share all expenses with another couple. Bought the lot the same month I retired. We live the winter in the Deep South and love it. In the spring we travel by car 18 hours to the cabin and stay in the mountains for the summer returning after the aspen leaves have fallen. Every year...
by praxis
Fri Aug 14, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Looking for gas can that is easy fill / easy pour
Replies: 43
Views: 2881

Re: Looking for gas can that is easy fill / easy pour

BE CAREFUL! I have a 1-1/2 gal. push button plastic gas can for my chain saw. It is red with a white, capped spout and a fat green button to start/interrupt the flow of gas. We were cutting logs into fireplace sized pieces and between fills, I left the nearly empty can in the sun. To avoid overfilli...
by praxis
Wed Jul 29, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 108
Views: 13025

Re: Middle of Nowhere Retirement

What is your list of the 10 priorities for what you need where you retire? What does "middle of nowhere" look like to you? How many miles away from town would you be willing to live year 'round? Or could you maintain two residences for a time? Is "good health care" important enou...
by praxis
Fri Jul 24, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Troubleshoot leak under kitchen sink
Replies: 20
Views: 1214

Re: Troubleshoot leak under kitchen sink

Of course I don't know what causes your leak, but I'll tell you what we found a few weeks ago. Our kitchen sink was plumbed with copper tubing from under the faucets down to the shut off valves. We had trouble but finally found a slight oozing coming from one of the threaded brass connections in the...
by praxis
Wed Jul 22, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31852

Re: What surprised you the most once you retired?

Reaching financial security allowed my wife and I to retire comfortably 15 years ago and we are grateful for the freedom from stress about money matters. I'm surprised how central this gratitude is in my life. And I am sad during the Covid pandemic for the small business owners and families who have...
by praxis
Tue Jul 21, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 112
Views: 12410

Re: what is your weekly workout routine?

I miss the weight classes at my club during quarantine. I have worked up to a 15 minute calisthenic routine and repeat it each morning at home. I already had a 40 lb barbell, two 20 lb dumb bells and a Bosu ball. I start with 15-20 pull ups and move quickly into 60 full jumping jacks 30 fast deep pu...
by praxis
Tue Jul 14, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: Getting rid of a bat!!!
Replies: 25
Views: 1578

Re: Getting rid of a bat!!!

I've had fun catching them indoors on occasion (towels are very effective). Then the trick is to figure out where they got in before releasing outside or they may come back (as was the case at our friend's lovely second home in the woods). There is nothing quite like being awakened by puzzling air ...
by praxis
Thu Jul 02, 2020 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I send my Qualified Charitable Distribution to a charity]?
Replies: 41
Views: 2405

Re: [How do I send my Qualified Charitable Distribution to a charity]?

If our current situation doesn't allow us to itemize deductions, using a QCD from my IRA for our various donations saves the amount in taxes that we would save if we could itemize? Am I correct? Or do the QCD's count fully as part of the taxable distribution?
by praxis
Thu Jul 02, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 149656

Re: Pull-ups and Push-ups

I can do 15 to 20 pull ups each morning. I think if I use some of these training ideas, I can work up higher. I miss the weight classes at my club during quarantine. I have worked up to a 15 minute calisthenic routine and repeat it each morning at home. I already had a 40 lb barbell, two 20 lb dumb ...
by praxis
Thu Jul 02, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 17444

Re: What is the best financial decision you ever made?

Learning a second language Becoming fluent in Spanish during my time in the Peace Corps led me to my career traveling Latin America for a US manufacturer for 30 years. I could have gone from college into career, but chose to work for $130/month as a volunteer instead. That was a good investment. And...
by praxis
Sun Jun 14, 2020 10:57 pm
Forum: Investing - Theory, News & General
Topic: The Worst Worst Case
Replies: 4
Views: 1869

Re: The Worst Worst Case

https://www.theatlantic.com/magazine/archive/2020/07/coronavirus-banks-collapse/612247/ Many Mutual Funds and ETFs own risky investments called CLOs, collateralized loan obligations or cheap corporate debt. Kind of similar to the CDOs or collateralized debt obligations in the last recession that we...
by praxis
Sun Jun 14, 2020 4:00 pm
Forum: Investing - Theory, News & General
Topic: The Worst Worst Case
Replies: 4
Views: 1869

The Worst Worst Case

https://www.theatlantic.com/magazine/archive/2020/07/coronavirus-banks-collapse/612247/ Many Mutual Funds and ETFs own risky investments called CLOs, collateralized loan obligations or cheap corporate debt. Kind of similar to the CDOs or collateralized debt obligations in the last recession that wer...
by praxis
Wed Jun 10, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 35241

Re: Coronavirus Flight Cancel Thread

Although the US-Canada border is closed to highway/foot traffic except for local work commutes or immediate family visits, the Canada consulate reports that business air travel has not been restricted.
by praxis
Wed Jun 10, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 35241

Re: Coronavirus Flight Cancel Thread

Today I cancelled an American Vacations Paris paid-in-full reservation for Sept. 7 2020. Thankfully I had purchased their pre-departure waiver insurance and after deducting the $258 premium for both of us, AA Vacations refunded back to our original form of payment. The agent said expect the credit i...
by praxis
Mon Jun 01, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: FL Snowbirds with Second Homes - Give Me Pros/Cons of Owning Our Own vs Renting Seasonal
Replies: 80
Views: 8510

Re: FL Snowbirds with Second Homes - Give Me Pros/Cons of Owning Our Own vs Renting Seasonal

Do people even consider how many places they can travel for the price of purchasing a vacation home and the upkeep associated with it? That was the very question DW asked 15 years ago. When we considered the $250K we were planning to spend on a cabin in Colorado, we asked if we'd be happier spendin...
by praxis
Tue May 26, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19906

Re: Pandemic buys that have improved quality of life?

We painted the rooms and halls in the back of our house in early March. We had dark, grass-cloth-covered walls and after removing the paper and floating and painting walls and all trim and moulding a very light soft green, it's a new house. As things closed in, we went ahead and tore out the carpet ...
by praxis
Fri May 22, 2020 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: family cabin planning through generations
Replies: 26
Views: 4961

Re: family cabin planning through generations

https://www.amazon.com/Saving-Family-Cottage-Succession-Planning/dp/141331841X/ref=sr_1_8?dchild=1&keywords=leaving+cabin&qid=1590168173&s=books&sr=1-8 This is a common question. The answer depends on the family. My parents searched for an answer to smoothly leave their cabin to the...
by praxis
Sat May 16, 2020 4:33 pm
Forum: Personal Consumer Issues
Topic: Anyone booking flights for 2021 travel?
Replies: 68
Views: 5674

Re: Anyone booking flights for 2021 travel?

We are holding refundable tickets for a tour in France this September 2020. If the tour cancels, we will decide whether to rebook same dates for 2021. If the tour cancels, we will ask for a refund on the air portion and the hotels for the days we had planned to extend. I seriously doubt if this tour...
by praxis
Sat May 16, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Is anyone on the road?
Replies: 35
Views: 4225

Re: Is anyone on the road?

Don't drive a car on a trip. You might get in an accident diverting medical resources overwhelming the healthcare system. Also don't take a walk or you might step on a crack and break your mother's back and overwhelm the healthcare system. I agree that the advice makes little sense. Might as well a...