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Re: New 2% cash back Mastercard from Citi

Chase recently switched my MasterCard accounts to Visa Wonder if MasterCard is getting aggressive and did a deal with Citi to recover card holders with a better deal? Meanwhile Chase's Ink (now Visa) gets most of my play because of a steady 3% on key spend like restaurants and gas instead of continu...
by 1530jesup
Fri Aug 29, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 71
Views: 6952

Re: Help please with revised plan for living in retirement

"But for both of us, it is a matter of wanting that choice for personal freedom while the energy and ability to enjoy the possibilities of each new morning are still here." Not recommending binge spending but many have put off their dreams for their "golden years" only to be con...
by 1530jesup
Mon Aug 25, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Help please with revised plan for living in retirement
Replies: 15
Views: 2776

Re: Robin Williams

Very sad. "Good morning Viet Nam". Great movie but the one thing that bugged me was that not much was made about the fact that the character he played, Adrian Cronauer, was based on an actual Army radio DJ. Though no doubt Robin went over the top to deliver such a great performance... Wil...
by 1530jesup
Tue Aug 12, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4630

Re: Telephone Calls! Help!

two areas really annoying Had a business line that was formerly owned by the world's champion deadbeat. Multiple credit bureaus, college loans, some seemingly threatening bodily harm. One saving grace was that the delinquent party had an offshore name that even the harassers could not pronounce. My ...
by 1530jesup
Fri Aug 08, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 100
Views: 6276

Re: Telephone Calls! Help!

We have a different problem. A machine calls, when we answer, there is silence on the line for a short period of time, and then a mechanical voice says "Good Bye." This happens several times a day. I've tried being silent or talking like a recorded message. The same thing results. Do anyo...
by 1530jesup
Thu Aug 07, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 100
Views: 6276

Re: Vanguard computer security

sites end up with quite easy questions for you to use to verify your information. (What city were you born in? What HS did you graduate from?) lost or forgotten, we will continue to have this issue with all e-commerce. One way to make the easy questions more secure is to complicate the answer. As i...
by 1530jesup
Thu Aug 07, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3652

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

⋅  The New York Times also published a Q&A with some tips on keeping your accounts secure. Hope this is helpful! Stay safe out there! From the above security tip link: "Regularly monitoring your financial records can help minimize the damage if someone gets your information. But ...
by 1530jesup
Wed Aug 06, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7455

Re: Best Asparagus for Florida?

I hear you, but asparagus is a long term investment, as one wouldn't expect to get a full crop for 4 years. I'm also going to plant a fall garden. I'm thinking cauliflower, brussel sprouts, lettuce, pole beans, leeks and broccoli, maybe some carrots and pink onions. gatorman So you are a long-term ...
by 1530jesup
Tue Aug 05, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Best Asparagus for Florida?
Replies: 11
Views: 862

Re: average American eats out 203 times per year

I am guessing that number counts folks who do a Burger King or Starbucks or Taco Bell for breakfast or lunch. Not exactly what I would call eating out. When we both worked, eating out or bringing meals in was pretty much a daily occurrence. Now retired, we still do 3-4 meals a week. But, being gourm...
by 1530jesup
Tue Aug 05, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6428

Re: Is Medigap insurance really needed?

Finally, since we became Medicare eligible, the wife and I have not paid anything out of pocket other than drug co-pays and the odd procedure that was not Medicare approved. For this status, we pay something like $9,000 a year for A & B & D plus Medigap. And it is worth every penny. I hope ...
by 1530jesup
Mon Aug 04, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4163

Re: Is Medigap insurance really needed?

Not sure I understand your question, but if you're asking what happens after Medicare core benefits and part A are used up, my guess would be Medigap benefits would be used up too. But that's just a guess. Might be off track here but if there is no Medicare claim or benefits are used up, Medigap wi...
by 1530jesup
Sun Aug 03, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4163

Re: Is Medigap insurance really needed?

[quote='nisiprius']Let's say he's right and it's a waste of money. How much money are we talking about wasting? 13% of $200/month = $312/year. nisi, I think this is perhaps the first time I've ever disagreed with you, but the true waste includes not just the 13%/year paid out but the moral hazard-i...
by 1530jesup
Sat Aug 02, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4163

Re: Is Medigap insurance really needed?

You don't need it - until you do. You feeling lucky? :twisted: - Ron Agree; firstly like our investments, we do not know where our health will be tomorrow. Suddenly needing tests and specialists will push costs to unbelievable levels. The wife and I found out how fortunate we, two healthy people, w...
by 1530jesup
Sat Aug 02, 2014 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4163

Re: With Rates Likes These, Why Would Anyone Go for a Mortga

Is this legitimate? The rate seems lower than a traditional 15 or 30 year mortgage so question is why wouldn't everyone go for a HELOC instead of a traditional mortgage? we have had a similar deal from Citibank for several years which is now at 2.24 but our outstanding balance is low enough we can ...
by 1530jesup
Wed Jul 30, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: With Rates Likes These, Why Would Anyone Go for a Mortgage?
Replies: 12
Views: 2869

Re: Selling House - Do We Need a Listing Broker?

We are about to sell our house and plan on listing it ourselves, with an offer to pay 3% commission to buyer agents. The typical commission is 6% in this area, and our house should sell for around $350K, but I can't see how the listing broker provides $10K of value. It's easy enough to put a listin...
by 1530jesup
Sun Jul 27, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House - Do We Need a Listing Broker?
Replies: 61
Views: 2787

Re: POLL: My home is worth less/more in 2014 than in 2007?

voted don't know but really do know - kind of, just do not care gonna be the kids' problem but mainly because the ocean might be at the door step by then... live south Florida, bought in '04 as the costs were going up but still way below the peak possibly down as much as 20% but my outstanding loan ...
by 1530jesup
Sun Jul 27, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5732

Re: Poll: Has your AA changed in the last 18 months

Now fully retired - for the final time - since January, I became more conservative and am dropping some of my slice and dice as I move towards what will be a four fund (plus I bonds) portfolio. Also moved the allocation from a slight Fixed tilt to 50/50
by 1530jesup
Sun Jul 27, 2014 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3752

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: 64
Views: 5244

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: 19
Views: 3963

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: 64
Views: 5244

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: 6316

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: 48
Views: 11294

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: 6316

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: 64
Views: 5244

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: 112
Views: 7407

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: 30
Views: 2203

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: 50
Views: 3233

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: 6389

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: 6389

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: 4485

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: 4573

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: 1870

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: 4445

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: 2614

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: 4445

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: 4445

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: 4445

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: 3683

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: 3683

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: 2107

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: 3683

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: 2501

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: 1528

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: 1528

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: 9805

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: 1528

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: 3702

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: 6248

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: 5033

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: 5500
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