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praxis

For a lot of people weather doesn't matter much. For others it is major factor. You like playing golf but live in a place with a 4 month season? Moving can help. Love skiing but the nearest mountain is 400 miles away? Moving might help. But a lot of people are sort of in the middle. Yeah it is more...

praxis

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 ...

praxis

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...

praxis

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 ...

praxis

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 ...

praxis

https://susanka.com/not-so-big-house/

praxis

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...

praxis

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...

praxis

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...

praxis

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...

praxis

+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...

praxis

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-...

praxis

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...

praxis

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 ...

praxis

shariq1989 wrote: ↑Mon Nov 09, 2020 9:44 pmCostco

me too, but I buy their Ruta Maya one kilo dark roast whole bean.

praxis

We have had Rinnai and Rheem on-demand heaters for 15 years. Love em. Not going back to tanks.

praxis

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

praxis

Several neighbors use this

https://www.amazon.com/gp/product/B01DT ... UTF8&psc=1

praxis

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...

praxis

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...

praxis

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 ...

praxis

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...

praxis

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...

praxis

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...

praxis

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...

praxis

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...

praxis

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...

praxis

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 ...

praxis

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...

praxis

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...

praxis

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...

praxis

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...

praxis

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...

praxis

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...

praxis

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...

praxis

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...

praxis

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...

praxis

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...

praxis

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 ...

praxis

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?

praxis

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 ...

praxis

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...

praxis

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...

praxis

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...

praxis

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.

praxis

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...

praxis

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...

praxis

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 ...

praxis

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...

praxis

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...

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