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Re: Vanguard e-delivery

sscritic wrote:
1530jesup wrote:
NAVigator wrote:The only time I would like physical delivery is for a Vanguard coffee mug. However, since I opted for online access, I just have to stare at it online.

What's this about a coffee mug? I can use one, what's the deal?

Would you accept one by e-delivery?


perhaps, if I had a 3D printer
by 1530jesup
Thu Apr 24, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard e-delivery
Replies: 26
Views: 916

Re: Vanguard e-delivery

I prefer e-delivery for ease of storage and access. The only time I would like physical delivery is for a Vanguard coffee mug. However, since I opted for online access, I just have to stare at it online. Jerry What's this about a coffee mug? I can use one, what's the deal? e-delivery, trying it wit...
by 1530jesup
Thu Apr 24, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard e-delivery
Replies: 26
Views: 916

Re: Sell, trade, or keep 2nd car?

That next day we both found ourselves in dire need to make doctor visits at the same time, in two different directions. No cabs available? um, tried to add a bit of irony to the conversation :wink: in our community, with friends and neighbors nearby, cabs are not necessary. point was after 40 years...
by 1530jesup
Wed Apr 23, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Sell, trade, or keep 2nd car?
Replies: 10
Views: 652

Re: Sell, trade, or keep 2nd car?

Back in '06 the wife and I decided that after two years with our new lifestyle - me working from home, she recovering from illness - one car and a bicycle were enough. We dropped off our cars and picked up a new one at the dealer on a Sunday. That next day we both found ourselves in dire need to mak...
by 1530jesup
Tue Apr 22, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Sell, trade, or keep 2nd car?
Replies: 10
Views: 652

Re: What is your net worth

would the poll have more relevance if it included age as well as net worth to put things in perspective?

knowing at what point others reached or surpassed my number might be a bit depressing yet informative!
by 1530jesup
Wed Apr 16, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5431

Re: Toaster Ovens

Off on another track, what about a microwave with a convection oven setting?
Years ago we moved into a condo that the builder - by mistake - put in an upgraded micro and have not used a toaster or a toaster oven since then.
by 1530jesup
Wed Apr 16, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Toaster Ovens
Replies: 15
Views: 996

Re: All-inclusive resort vacation for $2K??

no one for Club Med? doing cruises now but years ago the wife and I hit the Paradise Island (Nassau) location - now gone - for some great times they are stateside (Florida), Mexico and still in the Bahamas. good food, great beaches, very low key atmosphere; we personally preferred the ones that did ...
by 1530jesup
Tue Apr 15, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: All-inclusive resort vacation for $2K??
Replies: 19
Views: 2134

Re: Among Heroes and Villains

Thank you on both counts, your military service and your passing on your education in the Wall Street arena (circus?). Boiler Room was on one of the cable movie channels recently and I always pause to watch it. Painfully entertaining like a Michael Lewis book. And one more thank you for your partici...
by 1530jesup
Tue Apr 08, 2014 1:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Among Heroes and Villains
Replies: 10
Views: 1162

Re: How do you walk away from a good job?

Why do you have to walk away? As far as I am concerned, if I don't want to leave my job, it's not time to retire yet. It is more of a golden handcuffs type of situation. It is by a good margin the best compensation I have ever received. But there are a lot of things I want to do while I am young an...
by 1530jesup
Tue Apr 08, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you walk away from a good job?
Replies: 29
Views: 3369

Re: Windows XP

I have to agree with Victoria. In the past month we have purchased a new laptop for my wife and a new desktop for myself, both with Windows 7 Professional. We are both in our late 70's, don't speak computereeze, and find Windows 7 more comparable to Windows XP. Have not had any issues with the conv...
by 1530jesup
Sun Apr 06, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 23
Views: 1482

Re: Attempt at explaining the backdoor Roth to my new accoun

And based on a couple responses, I should have worded his response about the backdoor differently. I felt that he showed healthy skepticism about something he wasn't familiar with but definitely offered to research it more and speak with other colleagues. I do this in my job daily. My bad for not e...
by 1530jesup
Mon Mar 24, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Attempt at explaining the backdoor Roth to my new accountant
Replies: 26
Views: 2271

Re: Phone calls trying to sell me stocks

Consider this: You are a savvy investor who knows better. Think of the people who are being scammed by this. You can play an active role in stopping this. As a general rule anytime you get a stock/investment related call get the person's full first and last name. If they aren't clear ask them to re...
by 1530jesup
Sun Mar 23, 2014 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2005

Re: Phone calls trying to sell me stocks

Watch the movie "Boiler Room", then watch "Glengarry Glen Ross" for the real estate side of it. Yep, Boiler Room great movie and real situations same with Glengarry. But I thought that the stock pumping got shot down and went away years ago. I got those calls all the time. I bou...
by 1530jesup
Fri Mar 21, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2005

Re: True Detective anyone?

[quote="Munir"] - The scenes and drama/music in the house at the end was over the top. Boring! - I have a slight hearing deficit and need captions. They were HORRIBLE for all the episodes. They missed about a third of the dialogue including key statements. Doesn't HBO have enough money to ...
by 1530jesup
Mon Mar 17, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5189

Re: I don't want to upgrade XP just yet, is that ok?

Had XP since 2003 and used it for my marketing activities - running multiple pages from SalesForce and LinkedIn & Google - memory became the issue with slow loading and the constant conversion when someone sends me an Excel work sheet or Word document. Bit the bullet three weeks ago and paid the...
by 1530jesup
Thu Mar 13, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6368

Re: True Detective anyone?

for me the pleasure is in telling the story the acting, the dialog, all get into the mix so that you get carried along for the ride after the fact one may dwell on the plot holes and the literary devices but all in all the series was a tale well told I am waiting for Game of Thrones; confused as hec...
by 1530jesup
Tue Mar 11, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5189

Re: New York TImes/WSJ

been a NY Times paper person forever. the online edition is my home page and I follow some story lines or special interest & opinion sections not covered in my daily paper most of the time I do not bother to log in because I am not hitting that many articles once I had a missed weekday edition w...
by 1530jesup
Sun Mar 09, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: New York TImes/WSJ [paper vs. online subscriptions]
Replies: 40
Views: 2124

Re: Trading Authorization on Wife's Account?

mhc wrote:I do this. We were able to set it all up on-line with Vanguard.

we have done the same - I have access to the wife's account to make trades and exchanges but she (or I with her ID) is the only one who can make changes like to her RMD and beneficiaries
by 1530jesup
Fri Mar 07, 2014 10:33 pm
 
Forum: Investing - Theory, News & General
Topic: Trading Authorization on Wife's Account?
Replies: 40
Views: 1379

Re: The dealership wants my 2 year old car back?

Classic bait and switch. the offer I keep getting is that they will pay me what I paid for the car - with a deduct for mileage and any body work that is needed at least the offers are upfront with the "small print". when I am ready, I have really low mileage - like 5,000 per year - I woul...
by 1530jesup
Fri Mar 07, 2014 10:26 pm
 
Forum: Personal Consumer Issues
Topic: The dealership wants my 2 year old car back?
Replies: 46
Views: 4278

Re: Will this affect your Tipping?

I don't use a credit card for small purchases and rarely use one in restaurants. Generally I try to limit the exposure of things like credit card numbers etc. to third parties. I use credit cards wherever they are accepted, even a buck purchase in the local Publix supermarket. I love it when the re...
by 1530jesup
Thu Mar 06, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7562

Re: Do you have a favorite chocolate bar?

Trader Joe's 72% dark chocolate pound plus, $4.99 for 17.6oz My favorite because it can't be beat for the price. +1 :thumbsup TJ's is finally getting their act together and spreading locations around south Florida. I now can stop smuggling the dark chocolate in from up north. Great taste and as far...
by 1530jesup
Thu Mar 06, 2014 1:49 am
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4091

Re: Questions about purchasing Florida vacaton home

everything is different in Florida A Florida attorney and a local real estate person are key presuming you chose this area because you know people in the community. ask for referrals. and down the road should you become a Florida resident make sure your legal paper work - wills and such - are review...
by 1530jesup
Sat Feb 22, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about purchasing Florida vacaton home
Replies: 9
Views: 985

Re: True Detective anyone?

I have been hearing so much about this show today online and the radio that I am going to give it another shot thru hbo on demand and start from the beginning. started real slow for me and now realizing that that was the way to go with this story which may still have a few more twists before we kno...
by 1530jesup
Thu Feb 20, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5189

Re: Vacation - Hawaii, Mexico, other ideas?

I would vote for Hawaii because I have never been there
Enjoy...
by 1530jesup
Tue Feb 18, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3191

Re: Safe Withdrawal Rate

No SWR. We use the Taylor Larimore method. Same here, we know (or project based on the past 6-7 years in retirement mode) what we will be spending along with factoring in inflation. Since we do not have pensions, our assets are the "treasure trove" stashed at Vanguard and future Social Se...
by 1530jesup
Mon Feb 17, 2014 10:43 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate
Replies: 91
Views: 5806

Re: Do you balance your checking account?

gkaplan wrote:I balance my checking account every monthly statement.

I use Excel to keep track of my transactions and to balance my statement.


+1 I keep a rolling balance on Excel as well as monthly breakdowns of my spend - all checked against the bank statement
by 1530jesup
Mon Feb 17, 2014 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 4924

Re: SE FLORIDA BOGLEHEAD CHAPTER - 2nd meeting

elmgrove wrote:Very late to the Florida "party", but would enjoy participating in next meet, if there is to be one after March 1, 20014. Is there? Thank you for the information. SDH


I missed the Boca session (I will bring a doctor's note) and would love to participate in the next one. Rich
by 1530jesup
Thu Feb 13, 2014 5:31 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SE FLORIDA BOGLEHEAD CHAPTER - 2nd meeting
Replies: 16
Views: 1405

Re: FORUM'S UPCOMING 6TH BIRTHDAY

On Febuary 19th, the forum will celebrate it's 6th birthday. What an amazing trip it's been! Founded in 2007... Wouldn't this be the 2014-2007 = 7th birthday? Just wanted to see if you were paying attention! :D :oops: Thanks for catching that. I fixed it! You also failed to mention that the 19th is...
by 1530jesup
Wed Feb 12, 2014 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: FORUM'S UPCOMING 7TH BIRTHDAY
Replies: 23
Views: 1346

Re: Bogleheads and Fast Food

There are several things that I really miss about New York City - pizza, pastrami sandwiches, italian deli sandwiches with fresh mozzarella. Portillo's Italian Beef with giardiniera Taco trucks. Dim sum. Now this is dirty low down stuff... Pizza, here in South Florida, they come close but they are ...
by 1530jesup
Mon Feb 10, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads and Fast Food
Replies: 77
Views: 4444

Re: Your mortgage type, if any [POLL]

placeholder wrote:These HELs are fixed rate fixed term HELOCs typically are not.


right, that is why I plan to pay off the HELOC when rates start climbing
by 1530jesup
Sun Feb 09, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your mortgage type, if any [POLL]
Replies: 63
Views: 3517

Re: Your mortgage type, if any [POLL]

Hexdump wrote:
placeholder wrote:5 year Penfed HEL at 1.99% fixed.


Ditto.


beats my 2.24 Citi HELOC - or is that a different beast?
by 1530jesup
Sun Feb 09, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your mortgage type, if any [POLL]
Replies: 63
Views: 3517

Re: The Gecko cost me a lot of $. How often to switch car in

for us it has been a round robin kind of game. every year or two have checked prices and found that the low price provider was falling behind. In Florida things are sometimes different and for awhile Geico was the go to insurer. they went crazy on a renewal and I went with 21st Century. at one point...
by 1530jesup
Sun Feb 09, 2014 2:51 am
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 7698

Re: How much to get your taxes done?

cheesepep wrote:I'm curious, but how long from the time you drop off your paperwork until finish does your CPA take?


done within a week or two for me; I do believe that my CPA (like the one I used previously) sends the paper work off shore to be crunched.
by 1530jesup
Mon Feb 03, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How much to get your taxes done?
Replies: 31
Views: 3024

Re: How much to get your taxes done?

I did taxes myself for many years but then had some complicated returns because of business issues. Semi-retired but every time I think things will once again become simple, they do not. So, I have been paying about $300 for solid advice from a local CPA that I feel is well worth the investment. Gon...
by 1530jesup
Sun Feb 02, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to get your taxes done?
Replies: 31
Views: 3024

Re: AARP Membership?

OPINION: I think they are a sales/lobbyist organization that dos not necessary have the best interest of senior citizens as a prime objective. Long ago dropped them.. investsor agree they are an insurance marketing group with a presence in lobbying for senior issues. Kinda like those promos where t...
by 1530jesup
Sun Feb 02, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: AARP Membership?
Replies: 33
Views: 1579

Re: Snow Bird Question

I know of folks who come to Florida as snow birds and register their cars, change their driver's license and sign up to vote (possibly in two states? :annoyed; without doing six months time down here. I have not heard of anyone getting found out but maybe the crowd I travel with is too low rent??
by 1530jesup
Thu Jan 30, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Snow Bird Question [State Residency Requirements]
Replies: 39
Views: 2514

Re: Help please - buying PC

There's nothing wrong with Windows 8.1, I'd certainly choose it. If you already have a tablet and/or smartphone, you'll adapt to Win 8.1 pretty intuitively even without a touchscreen. If not, it will probably seem confusing to start - but most people adapt easily (like they did with tablets and sma...
by 1530jesup
Wed Jan 29, 2014 12:39 am
 
Forum: Personal Consumer Issues
Topic: Help please - buying PC
Replies: 30
Views: 2373

Re: WSJ Wine anyone?

I have a friend who subscribes to this regularly, and likes it. Personally I don't. My wife and I like wine very much, and drink it every night with dinner. We are not snobs though, and keep our selections in the $10 - $12 range. Occasionally we splurge on a really good bottle. I received one of th...
by 1530jesup
Wed Jan 29, 2014 12:18 am
 
Forum: Personal Consumer Issues
Topic: WSJ Wine anyone?
Replies: 20
Views: 2550

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy B day Taylor, you are one of my favorite posters! FYI, I'm 64 and play tennis with guys 85-90 so I know how tough you guys can be. Many, many more :happy I play tennis with a guy who will be 90 in April. We are a mixed group 65-89 (I am hitting 75 next month) and the soon to be birthday boy i...
by 1530jesup
Thu Jan 23, 2014 11:48 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12687

Re: Windows XP users

I read - on the internet - that MOST banks run their Automatic Teller Machines on XP If true, that could be an interesting situation. On the one hand you would think that the financial industry would be working on or already have the fix in place. On the other hand, we are talking about the financia...
by 1530jesup
Mon Jan 20, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 206
Views: 13602

Re: Any reason to still write checks?

I make sure to pay for my magazine subscriptions by check. Many of them will automatically renew the subscription with a credit card when you use one which is stated in the fine print. I have bumped into that - satellite radio pulls that too - and find that using a credit card with a short expirati...
by 1530jesup
Sat Jan 18, 2014 1:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Any reason to still write checks?
Replies: 76
Views: 2633

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1960.514

our wedding day
by 1530jesup
Tue Jan 07, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10655

Re: The Funniest Movie Ever

Great movies, and have seen almost all of them, and mostly agree they each belong on a 'best of' list. One I don't think has been mentioned yet, and that is definitely not the most funny ever, but was still plenty funny and also strangely endearing and quite witty at the same time, was " Tin M...
by 1530jesup
Fri Jan 03, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10638

Re: The Funniest Movie Ever

This order: Being There What About Bob The Odd Couple Being There, wry, satiric and one movie that came out funnier than the book (by Jerzy Kosinski) Not an Oscar fan but Peter Sellers lost out to Dustin Hoffman playing Dustin Hoffman while Sellers turned in the top performance totally against type
by 1530jesup
Thu Jan 02, 2014 11:41 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10638

Re: The Funniest Movie Ever

The Billy Wilder comedies are all terrific. One, Two, Three Some Like It Hot The Apartment Sabrina Seven Year Itch The Fortune Cookie :thumbsup no such thing as the funniest ever, the list above proves it - just like selecting the 'best ever' asset allocation! I would also add: Mr. Roberts the orig...
by 1530jesup
Thu Jan 02, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10638

Re: The Re-Set Button

As much as I love my super-skinny, big screen, digital, HDTV I am nostalgic for the days when 50% of the time you could fix a TV malfunction by whacking the set firmly with the heel of your hand. Let us go all the way back (1949-50)to when you pulled out vacuum tubes and went to the local drug stor...
by 1530jesup
Sat Dec 28, 2013 6:44 pm
 
Forum: Personal Consumer Issues
Topic: The Re-Set Button
Replies: 36
Views: 2351

Re: Cash in Your Wallet

Unless I know I will need cash for something, I am usually at zero dollars. I may carry a few singles just in case. The majority of purchases (even $1.00 at the supermarket) are by credit card. Since I do not carry a monthly balance it costs me nothing and I pick up the few points that the cards reb...
by 1530jesup
Sat Dec 28, 2013 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Cash in Your Wallet
Replies: 93
Views: 4112

Re: Have you noticed Amazon often does not credit your refun

I'm amazed that you can find a number to call and actually talk to a human (or did you actually talk to someone?)! The difficulty in reaching a real "live" customer service rep when you need one is about my only complaint about Amazon. no issue with refunds (use the Amazon Visa card for p...
by 1530jesup
Sun Dec 22, 2013 12:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you noticed Amazon often does not credit your refunds?
Replies: 26
Views: 2206

Re: AAA worth it? I have Allstate

You never know, flat, mechanical breakdown, you gotta call someone... Except for AAA most of the service comes from one of several outsourced providers; AAA seems to use more reliable folks. Most insurers I have used over the years have included coverage in their policies (supposedly at no extra cos...
by 1530jesup
Sat Dec 21, 2013 8:39 pm
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 34
Views: 1939

Re: New Year's Eve

We have alternated between a quiet evening alone (recording the ball drop because the dear wife can not start the New Year without it but usually slips into unconsciousness long before) and quiet evenings with dear friends, good talk with pizza or other take out, barely finishing a bottle of wine be...
by 1530jesup
Sat Dec 21, 2013 10:06 am
 
Forum: Personal Consumer Issues
Topic: New Year's Eve
Replies: 67
Views: 3098
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