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We took the Windsurf Caribbean tour last March. Neither my wife nor I had ever cruised and had no desire to be on a big ship. We went with friends who love Windstar. I can tell you it was great. The food, accommodations and treatment were excellent. The ship is fairly small and we were able to...

We also went to a king bed and bought the Casper. We had a queen inner spring with a pillow top. We love the Casper.

Stay at the Nu, which is at Atlantic and Smith. Reasonable for NYC, parking ramp next door, close to the subway and a nice complimentary breakfast in the lobby.

Love our Nespresso!!

I have been using Quicken since 1995 or so, first on a Mac and since Y2K on a PC. I actually experienced a Y2K problem at the turn of the millennium when my Quicken would not make the transition. I had to migrate my info to a PC as best I could. Since then I have used Quicken to track family...

meierlde: Good point!

We have the question coming up in 4 years on DW's pension plan from her former employer CitiBank. What I want to see is the pay out from the annuity coming out of the pension plan as compared to the pay out on the same money if we purchased the annuity at retail. If they are the same, I do not...

IMHO better to do it later rather than sooner, unless your gait is being messed up. I nursed a bad hip for 15 years. I only got it done when I began to limp. That was Aug 2010 at age 59. (I was a runner for 23 years and bad hips run in the family). I had a hip resurfacing with Dr Tom Gross in...

This thread is confusing me. My AA is 70% Vanguard intermediate bond funds and 30% Vanguard stock index funds. That allows me to sleep at night after 2001 and 2008. I was a 50/50 guy before then. I know if I hold an individual bond to maturity, market fluctuations do not matter. As such I...

I certainly can see and agree with that. I am in Western NY where the winters can be long and even the dog does not want to go out for too long. Plus without all of the goal seeking and work as part of that goal seeking, life can seem pretty empty. It seems to me that a combination of working...

What is the best buy strategy if the bottom is uncertain. Could be 5%, 10% or I suppose even 15% - 20%. Since timing the bottom will be impossible, how do you stage the buys? I am a Vanguard index buyer who keeps approximately 30% in equities (allows me to sleep at night better), but it is still...

Pb: thanks for asking and all others thanks for your input. After the round with led to the original post, I got back out there on, of all things, a 2 day golf vacation with DW and friends. I played more to my normal 110-120 with some better contact and better short game. I also played on my...

Wow that is scary! That is exactly what my wife would have written! And you are right, I only like playing with mediocre players. Indeed my current crisis of confidence arose from playing yesterday with a very nice couple who are our friends and are also excellent golfers, at our club no less...

Are there any golfers out there hitting 110-130 and still staying with it? Seems like many or most of you are still below 100, which is much more respectable on the course.

One thing. I usually play pretty fast. Since I play ready and use cheap balls and do not look for them for more than a few seconds.

I am 66 and have been trying to play golf for 16 years. I am terrible. Yesterday I shot maybe 140. I stopped keeping score as it was depressing me. After many lessons with the best teachers around here, I still sometimes mis-hit half my shots (meaning dribbled off the club for one errant reason...

I am self employed and remain so even now. As such I have been paying full health premiums since 2006 when DW retired from her job. Until then we used her corporate subsidized insurance. ACA or not, our experience has been that low deductible low copay policies cost the two of us around $16,000...

I am on Medicare. DW is not yet. She pays $8000 per year for a high deductible plan in Western NY. Good carrier and good network. Looking forward to Medicare for her. I use Traditional Medicare with Part F Plan F through United Healthcare. Zero copay and zero deductible and Silver Scripts...

5 molar implants for me. At least 2 with bone graphs. All work with Novocain only. Cost 3000-3500 each with the crown, about 7 years ago. Lost the teeth to root cavities. Graph was no big deal. Make sure to keep implants clean thereafter as the gum line is susceptible to pockets and there is a...

I had a hip resurfacing with Dr Tom Gross in Columbia SC, going well out of network for it. The critical thing for your surgeon is that they do lots of hip operations. Dr Gross has done well over 3000 at this point and was doing 15 a week when I went to him in 2010. I had a great result after...

I have gone to Sarasota on vaca many times over the decades. I think the Meadows is very nice, has some great golf, actual sidewalks, and at least on Zillow appears to be a bargain.

In ground liner pool in cold Western NY with in ground fiberglass hot tub. Both on the same pool plumbing system. We put it in in 1995. Kids are grown but come home to enjoy it. 32 year old daughter home from NYC and enjoying it this minute with her friends. I use to maintain it but now have the...

I have to agree about MBSR. I have tried various talk therapies and cognitive therapies over the years (CBT: Aaron Beck and RET: Albert Ellis). However I have found that a mindfulness based approach to ruminations and anxiety has been very effective for me. If you are an Audible listener or into...

Did these expenses come out of closing proceeds on your closing statement? If so I would deduct them to determine your gain? Also, and I forget, do you get the capital gains protection on a second home that you do on a primary residence.

Early life crisis was the MGB in 1980. Mid-life crisis was the S2000 in 2000 and this is the later life crisis. Also it is safer than the motorcycle I promised to give up in favor of a safer 4 wheeled toy.