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Re: Memory foam mattresses - any insight?

arkerr123 wrote: If you have not owned a memory foam mattress, keep this in mind. They are hot. Yes, they can feel great to lay on for a few minutes in a store, but many people take them home and find them to be too hot to comfortably sleep on.

But Not Latex
by 1530jesup
Thu Jul 24, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 52
Views: 3173

Re: "What Has Time Taught Bill Bernstein?"

Thank you Taylor, and thank you Bill Bernstein and John Rekenthaler! This an excellent article that should be required reading for all investors. For most people, investing successfully is a deeply unnatural act. Emotions destroy investment performance. Somehow, some way, investors must suppress th...
by 1530jesup
Thu Jul 24, 2014 1:10 am
 
Forum: Investing - Theory, News & General
Topic: "What Has Time Taught Bill Bernstein?"
Replies: 7
Views: 1743

Re: Memory foam mattresses - any insight?

I am tempted to get a memory foam or latex mattress but just a little skeptical since very few hotels have decided to use these mattresses. Makes you wonder why...I can see avoiding them at a discount hotel, but I have never stayed at a place that has used them. Too many complaints about comfort, o...
by 1530jesup
Thu Jul 24, 2014 1:00 am
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 52
Views: 3173

Re: Hearing Aids

I have an audiology services appointment with the Portland VA July 31st to test my hearing. I have more difficulty, I think, hearing lower register voices than upper register voices, but I think my problems are acute enough to warrant hearing aids. The only concern I have with having hearing aids, ...
by 1530jesup
Sun Jul 20, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6128

Re: Implementing Two-Factor Authentication for Fidelity Acco

So... do Fido and Vanguard both offer two factor to everyone? Is there a secret club one needs to join? not sure why but on several sites - including Vanguard's - I always get the pop up security question. at first I was annoyed and then realized this is just fine with me. the question keeps coming...
by 1530jesup
Sun Jul 20, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 35
Views: 8928

Re: Hearing Aids

Thanks for all of the HA information. All very interesting. I recently was fitted with a HA by the VA. It is a Unitron (brand) model~Quantum2 PRO S BTE. (Wonder how they came up with that back to the future name?) The VA audiologist said that the devices (L & R) retail for around $7,000. Not su...
by 1530jesup
Sun Jul 20, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6128

Re: Memory foam mattresses - any insight?

got a 100% latex, 11" king for $2200 really nice mattress, took two [huge] guys to haul it in and thankfully you never flip or rotate the mattress search the BH site and you will find other discussions - buying a mattress is like buying a car and you gotta shop and you gotta ask for a better pr...
by 1530jesup
Sat Jul 19, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 52
Views: 3173

Re: If you own a car, do you have a car payment?

I'm financing my 2013 Maxima at 0%. Got it for 26.9K, well below sticker, because it was the base model and a left over. wow, the other Maxima owner on this site. Have owned or leased one or two Maxima's since 1985 and our current 2008 bought outright with all bells & whistles @ $32.0 OTD is th...
by 1530jesup
Fri Jul 18, 2014 8:36 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 110
Views: 6302

Re: Poll - Do You Read Businessweek?

Years ago (50) Businessweek used to project themselves as an executives only magazine. Subscribed for a few years and finally stopped. Recently, as a part of Bloomberg, I started getting some of their email newsletters but for me, Bogleheads offers far more guidance and financial sense than what Bus...
by 1530jesup
Thu Jul 17, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 28
Views: 1831

Re: Looking to buy a quality scanner

I use the HP Pro 8600 all-in-one printer which does .jpg & PDF
I do not need heavy use but works fine for me scanning a load of our medical records
by 1530jesup
Sun Jul 13, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Looking to buy a quality scanner
Replies: 48
Views: 2855

Re: Continue subscribing to local newspaper?

It is the advertising sales not the subscription revenue that floats the boat of newspapers. It is all pretty simple, without the ad sales there is no newspaper, without the newspaper there is no investigative journalism worth a hoot. Everything is always changing so who knows, maybe something will...
by 1530jesup
Sun Jul 13, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6123

Re: Continue subscribing to local newspaper?

I hate reading papers on line and I hate the local paper, to which we still subscribe. Get the local paper (part of the Tribune group) mainly for the coupons - the dear wife - and the comics for me. Doonebury, Blondie and Peanuts are absolutely essential. Front page of today's edition was strictly ...
by 1530jesup
Sat Jul 12, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6123

Re: Neighbor's Fireworks

Which is better, pick up a few sticks and a little paper or shovel all that snow? No one asked about the noise? Some folks make the neighborhood sound like it is under attack - for hours on end. Debris scattered around and some smoke wafting past your patio is okay as long as the invasion does not ...
by 1530jesup
Sat Jul 05, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4329

Re: In retirement you expect you standard of living to?

steve_14 wrote:Standard of living, the same. Quality of life, much higher.

totally agree - living in the retirement environment for 10 years, semi retired for 6 and ended my final consultation project this past January.
by 1530jesup
Thu Jul 03, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 4510

Re: BOGLEHEAD CONTEST: Mid-Year Report

talk about your 15 minutes of fame, I forgot I entered, I do not know how I arrived at my prediction (1960.51) although it is the year I married and by the time I was aware of the standings I dropped some 50 spots Maybe I will print out Taylor's first post and put it in my trophy case... it would be...
by 1530jesup
Wed Jul 02, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST: Mid-Year Report
Replies: 22
Views: 1839

Re: How many Bogleheads golf?

here on the East coast we do not have the intense heat issue, it might be all mental but the home construction people have made it a point to get the word out that temps in the 80's & 90's are really quite pleasant. Might be why the golfers are also in their 80's & 90's :mrgreen: You are pu...
by 1530jesup
Mon Jun 30, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4296

Re: Bad paint job - Course of action help pls

Any painter who would paint over bare sheet rock without priming first doesn't know what they're doing. There is no such thing as paint and primer in the same can--the whole self-priming paint thing is just a marketing gimmick. Also, places like HD can easily cross reference SW formulas and put tho...
by 1530jesup
Mon Jun 30, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Bad paint job - Course of action help pls
Replies: 28
Views: 2519

Re: How many Bogleheads golf?

Although I exercise regularly plus playing golf four times a week, I like the carts because I can tee off at 7:30 and be off the course by 10:30 or 11:00 before the brutal mid-day Florida summer sun and heat really get intense. Played several rounds recently with temperatures in the 90's and wouldn...
by 1530jesup
Mon Jun 30, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4296

Re: How many Bogleheads golf?

calories burned playing and walking a course is quite a bit more than you'd expect just looking at the yardage from the tees. Like a couple of other posters, we dislike riding carts. It takes much of the exercise out of the picture, costs more, and if the course is wet "cart path only golf&quo...
by 1530jesup
Mon Jun 30, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4296

Re: How many Bogleheads golf?

chaz wrote:I tried it once, but prefer tennis.

No time for golf, tennis 3-4 times a week and now adding Pickleball...
I find I can play tennis, shower, nap and be ready for the rest of my day while friends and neighbors are still finishing the back nine
by 1530jesup
Sun Jun 29, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4296

Re: where is nisiprius?

abuss368 wrote:He is MIA? Did the aliens get him?

that was my fear, alien abduction
used the search function which brought up stuff several years old so I did not pursue any further
at the very least we have shown how much Nisi is appreciated
trying to stay ahead of the curve, Rich
by 1530jesup
Sat Jun 28, 2014 5:46 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: where is nisiprius?
Replies: 26
Views: 3516

Re: where is nisiprius?

pennstater2005 wrote:Nisi's last post was Thursday June 26 at 8:34 p.m. so not really that long a stretch without making an appearance.


thanks, must have been on a topic I was not following

Livesoft, did Nisiprius have permission to travel (fun optional)?
by 1530jesup
Sat Jun 28, 2014 10:52 am
 
Forum: Local Chapters and Bogleheads Community
Topic: where is nisiprius?
Replies: 26
Views: 3516

Re: Safe draw down %?

"Stay flexible my friend!, which is the advice we should give to retirees." Prof. Cooley, Trinity study author. I know a lot of retirees. I am not aware of any who use a mathematical withdrawal method. Most either use common sense or "income only" (possibly supplemented by spora...
by 1530jesup
Sat Jun 28, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Safe draw down %?
Replies: 21
Views: 2071

where is nisiprius?

did I miss something? seems that posts and comments by nisiprius have not appeared for awhile
a great resource here at BH, are things all right? Rich
by 1530jesup
Sat Jun 28, 2014 10:37 am
 
Forum: Local Chapters and Bogleheads Community
Topic: where is nisiprius?
Replies: 26
Views: 3516

Re: Stock / Bonds Allocation

Age 72, retired and AA is 50% stocks/50% debt instruments. Same neighborhood - 75 & 74 - 50/50 Total Stock, small value & Wellington/Int treasuries, Total Bond, Int Muni's & Wellington SS comes into play when adjusting my withdrawal rate Home equity does not count because we gotta live ...
by 1530jesup
Wed Jun 25, 2014 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Stock / Bonds Allocation
Replies: 48
Views: 2438

Re: Do frozen fruits have to be washed?

Busting Myths wrote:
What does the label on the bag say?

Dole strawberries - 3lb bag: "great for smoothies"; also simply gives defrosting instructions
Wyman wild Maine blueberries: same thing
by 1530jesup
Sun Jun 22, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Do frozen fruits have to be washed?
Replies: 17
Views: 1496

Re: Do frozen fruits have to be washed?

When it comes to "pre-washed" veggies for my salads, I always wash them again. I don't bother and eat about 5 salads a week made from bagged baby spinach, cherry/grape tomatoes, carrots, craisens, blueberries, raw mushrooms, nuts, and a 1/2 c of leftovers. I am aware that bagged lettuce a...
by 1530jesup
Sun Jun 22, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Do frozen fruits have to be washed?
Replies: 17
Views: 1496

Re: It is time to retire when you .......

It's time when you don't want to work any more and have a means of support. Part one came early; like even when I enjoyed it I always had something better to do than go to work Having the means of support came way later but then I started enjoying my consult work out of a home office... Go figure. ...
by 1530jesup
Sun Jun 22, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9622

Re: Do frozen fruits have to be washed?

I have a daily blend of protein and green foods powders mixed along with frozen blues and strawberries from Costco or BJ's. Never thought to wash them (or the bananas that I peel and freeze myself that I also add to the mix). I could buy frozen organic but I am not confident it is worth the extra bu...
by 1530jesup
Sun Jun 22, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Do frozen fruits have to be washed?
Replies: 17
Views: 1496

Re: I Bonds 5.27% interest

man, do I have ignorance remorse.
came to BH late in my investing life and it took me another year to figure out the real value of I Bonds
Still, thanks Bogleheads, better late than never. Rich
by 1530jesup
Sun Jun 22, 2014 8:59 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3657

Re: Any other retirees moving money out of Vanguard?

chaz wrote:I only pull out the RMDs.

me too
only outside holding are I Bonds; prefer them to TIPS and slowly transitioning out of TIPS maintaining a 50/50 equity to fixed allocation
by 1530jesup
Sat Jun 21, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any other retirees moving money out of Vanguard?
Replies: 54
Views: 6146

Re: Personal Life subforum?

I should note that I mine threads like this for ideas. It's not a poll and I'm not making any promises. I have benefited so much from the BH forum. I belong to one other that is managed and delivers similar to BH. Sadly it is about specific medical issues yet like BH the forum is energized by membe...
by 1530jesup
Fri Jun 20, 2014 3:34 pm
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 4606

Re: Convince me to visit Italy

Don't go. You asked - Would it be a waste to go to Italy without that interest in history, religion, art, etc? Based on the question, my recommendation is to stay right here at home, and take a trip to New York City, Seattle, or San Francisco, the bottom line is that you can eat good Italian food r...
by 1530jesup
Sun Jun 15, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5328

Re: Being a good Newbie Boglehead citizen

[OT comment removed by admin LadyGeek]

bottom line, the dear wife and I would be in a bad place had we not found BH.org and never received the guidance and good sense that is so generously given here.
thanks again, Rich
by 1530jesup
Sun Jun 15, 2014 9:52 am
 
Forum: Forum Issues and Administration
Topic: Being a good Newbie Boglehead citizen
Replies: 38
Views: 1636

Re: Emergency Fund Revisited

as retirees we need to wait out a downturn without locking in losses in our 50/50 portfolio. so I figure our I Bonds (counted as part of our 50% fixed holdings) can get us through 2-3 years before selling off assets that we need to grow again during the recovery.
by 1530jesup
Tue May 20, 2014 12:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Revisited
Replies: 24
Views: 1843

Re: When did you tell your children how much you had amassed

We do okay, living within our means and enjoying a good lifestyle -- among the few true middle class folk left in the US. Just last week had a talk with our oldest child (50+) who lives in rural area and despite a great education is quite comfortable settled into a career as a social worker. He is o...
by 1530jesup
Tue May 20, 2014 12:20 am
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 10918

Re: Free Dinner Binge?

Your "geezer mail" is better than mine! I just get catalogues for diapers and canes! Along with the financial planning dinner offerings, my mail is a mixture of assisted living communities (currently in 55 & over ACTIVE adult community so I guess that is my next step), then, in case I...
by 1530jesup
Thu May 08, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Free Dinner Binge?
Replies: 23
Views: 2464

Re: [Purchasing a] hearing aid

Starkey & Siemens are two major brands. Check with those you know to locate reliable providers. As I posted on another thread, the aids do not completely correct hearing loss. The sophisticated (and expensive) ones can perform many tasks in pumping up the volume, adjusting treble & bass, dir...
by 1530jesup
Thu May 08, 2014 1:02 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] hearing aid
Replies: 18
Views: 926

Re: Put down that smart phone; Log off!!

I use a dumb phone. got myself a 'pay as you go' phone (ATT) and liked the functionality of a fourth generation "smart phone" over my ancient dumb phone. but I do not ask my phone questions about Humphrey Bogart movies made between April 3rd 1939 and May 14th 1940 or check baseball scores...
by 1530jesup
Wed May 07, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Put down that smart phone; Log off!!
Replies: 25
Views: 4163

Re: Are I Bonds a part of your portfolio?

Yes. Emergency Fund. +1 EF and part of fixed income in my AA John Came late to I Bonds - started in '08 - and continue to add as part of my AA fixed and as emergency fund For Required Minimum Distributions I am selling off our Tips funds and rolling them over into I Bonds (AA holdings are at 50/50)
by 1530jesup
Wed Apr 30, 2014 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are I Bonds a part of your portfolio?
Replies: 53
Views: 4050

Re: Windows XP users

So I'd I don't use Internet Explorer this is a non issue? I do not run IE or even have a link to it on my desktop BUT, when I run CCleaner, I get temporary internet explorer files and cookies listed on the analysis. Someone on this forum said that is because by using WORD and Outlook and I guess Ex...
by 1530jesup
Mon Apr 28, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 47612

Re: Question about Wellington and Wellesley

"I'd guess the majority of bogleheads don't particularly care for Wellington or Wellesley" No guessing for me. The only thing I "care for" is long-term return consistent with my objectives. I don't invest in Bogleheads. I invest in funds, including W & W. :D Lev Recently, Bo...
by 1530jesup
Mon Apr 28, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Question about Wellington and Wellesley
Replies: 55
Views: 42634

Re: Malwarebytes Anti-malware advises it will expire shortly

I've use malwarebytes free for years on my PC's. I finally bought the pro version (for 3 users). It seems to protect you in real time. I guess it's nice to be protected in real time, as opposed to removing junk that you've already got on your machine. :thumbsup for more functionality, at a one time...
by 1530jesup
Mon Apr 28, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-malware advises it will expire shortly
Replies: 22
Views: 5233

Re: Accommodation for Road Trip on I-95

Are you sure about Fla. It's 90 deg today and humid like a wet blanket. The summer sun is turned on now so that exposed skin gets broiled. I love Fla in the winters but...... I wish you a safe and fun journey. The East Coast is much cooler and drier today - do not listen to those west coast folks.....
by 1530jesup
Mon Apr 28, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Accommodation for Road Trip on I-95
Replies: 26
Views: 3552

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: 1285

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: 1285

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: 837

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: 837

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: 5920

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: 1374
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