Search found 1075 matches

by 1530jesup
Mon Aug 03, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping track of health expenses and reimbursements
Replies: 11
Views: 407

Re: Keeping track of health expenses and reimbursements

What kind of Medgipap policy is involved? If Plan F or similar (but not F-hi deductible), it is possible that you may not have to do the spreadsheet. I also used to do that with similar format to other posters, which is basically what Medicare and the Medigap policy provide. After a few yrs of that...
by 1530jesup
Sun Jul 26, 2015 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Alert. Scam with callers posing as IRS agents...
Replies: 46
Views: 4198

Re: Alert. Scam with callers posing as IRS agents...

when I get caught up with such calls I usually tell them 'my parents are not home now' (sadly true) but I will be sure to give them the message...
by 1530jesup
Wed Jul 22, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: Magazine Subscriptions
Replies: 37
Views: 2707

Re: Magazine Subscriptions

Be sure to read the fine print when you subscribe to a magazine, especially if you pay by credit card. Many of them now automatically renew the subscription, at a much higher rate, and automatically charge your credit card. It is all in the fine print if you look for it. the local paper tries to do...
by 1530jesup
Tue Jul 21, 2015 7:33 am
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4902

Re: livesoft surpasses 40,000 posts!

problem is I spend so much time reading - and learning from - livesoft's posts, I now have an even greater challenge to catch up and surpass your total :twisted:
by 1530jesup
Sat Jul 18, 2015 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Concierge Care
Replies: 36
Views: 3394

Re: Concierge Care

My primary care physician joined MDVIP some years ago (and then left MDVIP after a number of years because their model didn't fit his practice). I reluctantly paid the annual $1800 fee because I liked this doctor. Biggest benefits were same day appointments, being able to call my doctor on his cell...
by 1530jesup
Thu Jul 16, 2015 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Does Anyone Plan to Work Past 70 years of Age
Replies: 63
Views: 5508

Re: Does Anyone Plan to Work Past 70 years of Age

final ten years worked from home and retired mid 70s. nice delay in drawing down funds, had the advantage of controlling hours and living in a retirement environment.
by 1530jesup
Wed Jul 15, 2015 9:41 am
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 18801

Re: What 2008/09 has done to me

Never had to carry my belongings out of the building, after eight years with a company my last four was as a telecommuter; the phone call came and I shut the computer and renamed my office a "library". Started work in 2000 for a company whose growing business was strongly dependent on Dot ...
by 1530jesup
Mon Jun 29, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 48
Views: 4851

Re: can you recommend comfortable walking shoes?

maybe it is because I am in an area with a lot of seniors (South Florida); there are many discount shoe stores and a department store chain called Bealls (pronounced Bells) that carry huge selections of 'comfort' shoes, name brands at discounted prices. for tennis I can go to any New Balance provide...
by 1530jesup
Mon Jun 29, 2015 7:01 am
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 9743

Re: dow futures down 200+ points

Decent chance of an "RBD" on Wall St given what the world is doing. Ten years from now it will largely be forgotten most likely. In reaction to the financial setback I will eliminate kalamata olives and feta cheese from my food spending plan until I recoup the loss. Okay, I give up, what ...
by 1530jesup
Wed Jun 24, 2015 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Travel insurance - worth it?
Replies: 50
Views: 4474

Re: Travel insurance - worth it?

I would not get insurance from the organization I purchase the vacation from. If that organization has financial difficulty, the insurance may also be in jeopardy. This has created problems in the past when a travel agency or cruise line became insolvent. Dear wife handles trip arrangements and alw...
by 1530jesup
Mon Jun 22, 2015 7:04 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 97
Views: 13493

Re: South Florida Local Chapter

Miriam2 wrote:Hello Aventura, Broward County, and Palm Beach County Bogleheads!
We can meet closer to you if we know where you are! :happy

mid Palm Beach County
sorry Mel and Taylor, kind of tough for me to go too far South
by 1530jesup
Fri Jun 19, 2015 3:05 pm
Forum: Personal Consumer Issues
Topic: [Purchasing a] hearing aid
Replies: 32
Views: 4618

Re: [Purchasing a] hearing aid

I purchased a hearing aid from Costco several years ago and it still works well. After all these years I can still go get it tuned up for free. that is why the aids are so expensive. the provider gives continuous service and adjustments - at least the quality ones do. the thing I like is that with ...
by 1530jesup
Thu Jun 18, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: "Phantom" Tipping
Replies: 68
Views: 11186

Re: "Phantom" Tipping

madbrain: No matter how many credit cards I possess and use, I always carry around some cash (~ $200) in my wallet....I don't find it to be an inconvenience and often to be very useful.... for example, when I get a candy craving and pop into my local convenience store for 2 large Snickers bars........
by 1530jesup
Mon Jun 15, 2015 8:17 am
Forum: Personal Consumer Issues
Topic: Where do you keep your to do list?
Replies: 60
Views: 5681

Re: Where do you keep your to do list?

obgyn65 wrote:I use Outlook mainly for my to do lists and reminders.

+1 Retired: bill pay, doc appointments, recurring tasks. The Outlook calendar with screen reminder pop ups works just fine
Back this up with a print out of weekly calendar pages to track special daily activities
by 1530jesup
Sat Jun 13, 2015 8:54 am
Forum: Personal Consumer Issues
Topic: Which is a best place to start learning yoga?
Replies: 31
Views: 3154

Re: Which is a best place to start learning yoga?

started doing yoga for flexibility, range of motion and balance. nothing wrong with DVDs (I started in the VCR era) and while good form is the goal, do what your body can handle and build from there. some of the yoga videos present several instructors demonstrating the same pose with degrees of inte...
by 1530jesup
Thu Jun 11, 2015 8:01 pm
Forum: Investing - Theory, News & General
Topic: Wellington & Wellesley
Replies: 60
Views: 9129

Re: Wellington & Wellesley

Taylor responded to another poster's question-- " So, why are Wellington and Wellesley funds different from all other Vanguard active funds?" -- with the following comment: " Bogleheads are not all immune to "past performance." As a longtime poster at Bogleheads and admirer...
by 1530jesup
Thu Jun 11, 2015 2:35 pm
Forum: Investing - Theory, News & General
Topic: Intermediate Treasury Bond Fund
Replies: 16
Views: 2325

Re: Intermediate Treasury Bond Fund

This is a perfectly reasonable choice. To paraphrase a quote: "Those whom the gods wish to drive crazy, they present with a choice in bond funds." I prefer, thanks to Mark Twain or perhaps Will Rogers or Groucho Marx, "I am more interested in the return of my money rather than the re...
by 1530jesup
Tue Jun 09, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13680

Re: Car dealer wants me to compensate for underpayment

Some years back the wife and I spent close to two hours (I thought we were negotiating, the dealer was simply reeling us in) on the purchase of a new car. We finally arrived at a price we could live with, went into their "finance" office to draw up the papers and the manager "discover...
by 1530jesup
Mon Jun 08, 2015 7:13 am
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6641

Re: What Percent Of Your Annual Expenses Are Property Taxes?

mhc wrote:~1.8% The easiest way to drop this number is to spend more. :twisted:

You beat me too it!!
Against all spend, about 6%
Fold in HOA fees - which include property taxes for common grounds along with the amenities - and that goes up to about 14%
by 1530jesup
Sat Jun 06, 2015 7:30 am
Forum: Personal Consumer Issues
Topic: What do you do to relax just after returning from work
Replies: 59
Views: 6459

Re: What do you do to relax just after returning from work

seems not very much loving going around

back in the day, the wife and I celebrated our empty nest with some serious catching up

oh, yes, did some tennis, swimming, working out, but those were after thoughts

now, more of the same, just a bit less and a bit slower... :D
by 1530jesup
Mon Jun 01, 2015 9:24 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6577

Re: Which grocery stores do you shop at and why?

Trader Joes: I think they're nearly nationwide now. Anyone shop there are your primary store? You may be able to cover a lot of your shopping needs at Trader Joes, but IMO it would be hard to make it your primary store. Produce selection is quite limited for instance. We do shop there weekly, but a...
by 1530jesup
Mon Jun 01, 2015 7:27 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6577

Re: Which grocery stores do you shop at and why?

We have a Publix (dominates our Florida area) in walking distance which we use for fill-in convenience and occasional specials. Their produce prices rival Whole Foods - We think neither one of them are of value Local Farmers Market for our produce, visit weekly Costco (usually once a month) & BJ...
by 1530jesup
Sun May 31, 2015 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: use emergency funds or borrow from HELOC
Replies: 16
Views: 1574

Re: use emergency funds or borrow from HELOC

[snip]... unless you are considering bankruptcy as a possibility down the road). Also, if you expect Federal taxes to be 0%, why are you in a muni fund??? If you've seen some of my many other posts on the topic, you know that I'm a big fan of direct CDs. With a fixed income allocation of close to 5...
by 1530jesup
Sat May 30, 2015 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: use emergency funds or borrow from HELOC
Replies: 16
Views: 1574

Re: use emergency funds or borrow from HELOC

Original Poster here Kevin, Michaelsieg, Some more clarity: Loan was closed October 2006 and then modified to increase line of credit September 2007 with a whole new set of papers drawn up in '07. Need to speak with them to know what the actual closing date is though either end date is not critical ...
by 1530jesup
Sat May 30, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: use emergency funds or borrow from HELOC
Replies: 16
Views: 1574

Re: use emergency funds or borrow from HELOC

Where are you in terms of your draw period for your HELOC? The draw period clock starts when you took your HELOC out, not when you first took money from it. At some point you will no longer be able to take more money out, but you will still have a long period (generally 10 - 15 years) to pay it all...
by 1530jesup
Sat May 30, 2015 7:11 am
Forum: Personal Finance (Not Investing)
Topic: use emergency funds or borrow from HELOC
Replies: 16
Views: 1574

Re: use emergency funds or borrow from HELOC

Sorry about your medical problems and I hope you will get better soon. I would ask the question: how can you make sure, that you won't run out of money for as long as possible, especially if the medical recovery takes longer than expected, (which can certainly happen). If there is no paycheck comin...
by 1530jesup
Fri May 29, 2015 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: use emergency funds or borrow from HELOC
Replies: 16
Views: 1574

Re: use emergency funds or borrow from HELOC

Is all of your EF in I Bonds? Kevin NO. Besides the I Bonds purchased less than five years ago, there is Vanguard's intermediate Muni fund which we use for most of our expense draw. For long term - like years - emergency draw downs we would go to Vanguard's Int Treasury Fund. Reasonable expectation...
by 1530jesup
Fri May 29, 2015 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: use emergency funds or borrow from HELOC
Replies: 16
Views: 1574

Re: use emergency funds or borrow from HELOC

Sorry for your misfortune. Unless you think that there is a risk that the HELOC will not be available in the future, I would use emergency funds first, since you cannot earn 2.24% on completely safe, fully liquid assets now. You can earn about 1% in an online savings account, so why borrow at 2.24%...
by 1530jesup
Fri May 29, 2015 8:06 am
Forum: Personal Finance (Not Investing)
Topic: use emergency funds or borrow from HELOC
Replies: 16
Views: 1574

use emergency funds or borrow from HELOC

We hit a bump in the road and have medical costs outside our our insurance coverage. We do not have long term care insurance which may not have kicked in anyway. Spending about $8K per month on medicine and home care aides by selling off some assets (taking profits off the table) as well as hitting ...
by 1530jesup
Wed May 27, 2015 8:17 am
Forum: Investing - Theory, News & General
Topic: Wellington & Wellesley
Replies: 60
Views: 9129

Re: Wellington & Wellesley

As for active management, well, frankly, I trust Vanguard more than the other companies. Vanguard has been competitive because it sells a good product at rock bottom costs. They are not in it for the quick-won glory. They are not flashy. They don't rely on gimmicks. They are just not a get rich qui...
by 1530jesup
Wed May 27, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Should I shorten my last name?
Replies: 70
Views: 6722

Re: Should I shorten my last name?

A friend of mine has an equally difficult last name. He still uses the full name for legal purposes, but uses the first two letters of it ("Mo") as a nickname and that's what he introduces himself to people as, "call me Mo." . Easier than legally changing it, though it doesn't c...
by 1530jesup
Sat May 23, 2015 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 71
Views: 5347

Re: Medicare supplemental insurance

Which raises the question, how do they know your are a Medicare patient? I go to a university hospital, so I'm not known personally and my long time doc left and I've ended up with a new young doc. I always thought the doc is an equal-opportunity care provider. You're on the appointment list and th...
by 1530jesup
Fri May 22, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 71
Views: 5347

Re: Medicare supplemental insurance

I still don't know how to get my blood panel annually unless I start going to a hematologist regularly. I haven't had a complete panel in the last several years and no cholesterol or glucose readings. I can't think of any way to get a complete annual exam back except start paying for it out-of-pock...
by 1530jesup
Fri May 22, 2015 8:36 am
Forum: Personal Finance (Not Investing)
Topic: The end of the nest egg
Replies: 30
Views: 7807

Re: The end of the nest egg

But what about when the timeframe of the simulation has passed. Panic? Has anyone here ever reached the end of their projection? How did it hit you? What have you done in reaction? Is there a chance when I reach the end of my 30 year projection - at, say, age 95 - I could be dead or totally oblivio...
by 1530jesup
Fri May 22, 2015 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 71
Views: 5347

Re: Medicare supplemental insurance

This might not seem like an investment question but if I make the wrong choice I could really pay a hefty sum in the end. Which medicare supplemental plan does anyone recommend and why? I was thinking plan F seemed the best but I don't really know. How is it working for those of you have retired. W...
by 1530jesup
Thu May 21, 2015 7:36 pm
Forum: Forum Issues and Administration
Topic: Forum operating really slowly.
Replies: 10
Views: 2253

Re: Forum operating really slowly.

Peculiar_Investor wrote:I'm also seeing it. I've notified the site admins.

yes, on Firefox and even the NY Times loads much quicker
by 1530jesup
Wed May 20, 2015 9:33 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17620

Re: Aren't we overdoing electronic auto safety features?

What I expect will happen, and in 20 years not 10, is that it will become illegal to human pilot an automobile in certain places and times. Likely first California freeways. CA (southern and Bay Area) has an impossible, unsolvable traffic problem. Driverless cars will improve capacity and flow on t...
by 1530jesup
Wed May 20, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17620

Re: Aren't we overdoing electronic auto safety features?

I'm just glad we survived 10 years driving a 1970 VW Bus which had only sheet metal between the passengers and anything coming from the front. Now, old and wiser, I want and will pay for any and all safety features, with adaptive cruise control being high on the list for the next vehicle. the Dear ...
by 1530jesup
Tue May 19, 2015 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 39
Views: 4097

Re: MediCare and ? What are your out of pocket costs please.

Without getting into the disallowed discussion of particular medical issues, one (of many) things I am noticing in my Kaiser Medicare plan is that some specialists are now saying that I do not need to see them as often for routine followup/etc. as was the case where care/records/etc. were not as ce...
by 1530jesup
Sun May 17, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 39
Views: 4097

Re: MediCare and ? What are your out of pocket costs please.

Medicare Part A is free. Everyone without a very large or very small income pays $104.90 per month for Medicare Part B. That goes up a little most years. In addition, I have Medicare Advantage (aka Part C) for which I pay no premium ($0). My out of pocket costs (for co-pays) for 2014 were $100. For...
by 1530jesup
Sun May 17, 2015 7:11 am
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 57
Views: 4386

Re: Blues (music)

satellite radio has been playing B B King on their blues channel, may still be going today
by 1530jesup
Sat May 16, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 57
Views: 4386

Re: Blues (music)

Tavis Smiley ran a 2013 BB King interview on PBS last night with a second part still coming. In our area his show runs like 12-1 a.m. and I am not sure what days he is on. Here is a video http://www.huffingtonpost.com/tavis-smiley/tavis-smiley-bb-king-reme_b_7293928.html Just checked the website and...
by 1530jesup
Sat May 16, 2015 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Amount needed for medical expenses in retirement
Replies: 14
Views: 2036

Re: Amount needed for medical expenses in retirement

Have recently seen several excerpts touting that the average individual needs to have $364,000 set aside for medical expenses in retirement. This seemed way out of whack to me and was wondering if this was fear mongering, etc. With an individual having Medicare which covers 80% of medical and suppl...
by 1530jesup
Sat May 16, 2015 7:18 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 13328

Re: How much does social security factor into your retirement income?

Retired 11 years and SS is absolutely the most important component of my retirement income. yep, also 11 years into SS and we depend on the monthly infusion into our account for half of our budget spend. Extras and special needs come out of our asset buckets. Good thing we are not doing polls anymo...
by 1530jesup
Sat May 16, 2015 7:12 am
Forum: Personal Consumer Issues
Topic: Consumer Complaint Issues
Replies: 5
Views: 731

Re: Consumer Complaint Issues

besides going through Google you can try Hoovers - http://www.hoovers.com/ - which is a business info site that may give non-subscribers basic corporate listings. There other search sites that I used in the past like Spoke, try entering "corporate exec search" into Google.
good luck
by 1530jesup
Thu May 14, 2015 7:14 am
Forum: Investing - Help with Personal Investments
Topic: How much in cash?
Replies: 35
Views: 3636

Re: How much in cash?

my emergency cash stash consists of 3 years worth of I Bonds, another year (at today's values) of Int Muni fund, cash value in an old, no, ancient Life Insurance policy (pays a better dividend than any CD) that adds another 3 years. All based on using with our current SS payments level
by 1530jesup
Wed May 13, 2015 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 4536

Re: Credit Cards are Good

I thought we were not doing polling anymore
All that is missing is the final Yes or No count

Oh, credit cards work for me, most of the time I leave the house without cash -- that is one more Yes!
by 1530jesup
Tue May 12, 2015 8:20 pm
Forum: Personal Consumer Issues
Topic: Any Experiences Buying Mattress Online
Replies: 26
Views: 2783

Re: Any Experiences Buying Mattress Online

About 90 days ago I purchased a latex mattress from http://www.spindlemattress.com and did some research on mattress underground.com The process of buying a mattress sucks. Very hard to compare apples to apples and even harder to determine if something will be comfortable. I decided that I wanted t...
by 1530jesup
Mon May 11, 2015 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 6501

Re: Which Company Do You Have Auto Insurance With?

Dropped Liberty Mutual after many years when they cancelled (no claims, no hurricanes) my homeowners :annoyed Did they give any reason? Nope, they probably figured Florida was due for some damage after ten years of no hurricanes Nothing like an insurer taking to the hills when there may - eventuall...
by 1530jesup
Mon May 11, 2015 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 6501

Re: Which Company Do You Have Auto Insurance With?

AARP Hartford for auto. Selective Insurance for homeowners. Went with Hartford this time - it cycles between Geico, 21st Century, Liberty Mutual, or whomever is the least expensive at the time. It seems that loyalty or longevity does not make a difference as the rates change from year to year. Drop...

Go to advanced search