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Re: Whats a good multi vitamin?

what about the "super food" powdered stuff like Amazing Grass or Greens Today or Garden of Life? because I do not eat red meat, I do a protein mix and usually drop in one of the above and frozen berries and bananas as a smoothie mix. my personal belief, based on non scientific observation ...
by 1530jesup
Sat Mar 28, 2015 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good multi vitamin?
Replies: 17
Views: 1057

Re: Which house would a Boglehead choose?

Which house would sell more easily in the future? Looks like option A to me, but neither option is bad. option B takes a whole month+; so an A area home goes in days or weeks! that is not a whole lot of difference (had a home where we stuck to our price that took 14 months to sell). had another tha...
by 1530jesup
Fri Mar 27, 2015 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house would a Boglehead choose?
Replies: 24
Views: 1589

Re: Municiple Fund as Emergency

With interest rates so low does anyone use the Vanguard Intermediate-Term Tax-Exempt Fund as their emergency fund? Int Tax Exempt is my bucket for draw down as we move most of our required withdrawal into it. Also consider our I bonds in same category. Any big dollars, if needed, would come from ou...
by 1530jesup
Mon Mar 23, 2015 6:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Municiple Fund as Emergency
Replies: 8
Views: 984

Re: Urgent Care Centers - When should they be used?

Urgent care locations are plentiful in our area; usually there is a MD on site but perhaps not seeing every walk-in My one occasion for their use got me referred for an MRI for a persistent backache (they took an X-ray) and a need for major surgery was discovered. Calling a doctor for a same day or ...
by 1530jesup
Sun Mar 22, 2015 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 3626

Re:

It's all the same. usually get BJ's or Costco gas - brand unknown. I do not remember the last time I saw a tank truck with a brand name and yesterday passed a Shell station - which has the highest price in our area - and there was a no name tanker making a delivery. Remember years ago Getty TV adds...
by 1530jesup
Sun Mar 15, 2015 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Do you buy "off-brand" gasoline?
Replies: 81
Views: 9419

Re: Retirement Issues: Life Expectancy

from personal experience, life expectancy can be predicted as accurately as where interest rates and the S&P will be in the next 12-18 months. we withdraw based on our needs and keep reserves and allocations based on long term expectations and hope we have some balance here. In case no one said ...
by 1530jesup
Sat Mar 14, 2015 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Issues: Life Expectancy
Replies: 24
Views: 2207

Re: Blues (music)

Jesup mentioned a SciFi thread? Wow... I hadn't done a search on that term yet. This thread's great donation of Blues links makes me wonder if there are Old Radio streaming links in some thread, now Jesup's portent of a SciFi thread... oh my... 150+ posts on sci-fi https://www.bogleheads.org/forum/...
by 1530jesup
Sat Mar 14, 2015 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 45
Views: 2675

Re: Blues (music)

I like mostly older music, but Eric Bibb is one of my favorite new Blues Artists. Here's one of his concerts: https://www.youtube.com/watch?v=hbT4ngWqmUY Favorite songs: More O' That, Every Wind in the River, Forgiveness is Gold, Wayfaring Stranger If you're ever in Chicago, it is full of blues bar...
by 1530jesup
Sat Mar 14, 2015 9:23 am
 
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 45
Views: 2675

Re: "Vanguard Diehards Never Say Die"

Bogleheads: Morningstar opened their Vanguard Diehard Forum in March 1998. You can read about it here: Vanguard Diehards Never Say Die Best wishes. Taylor one more time I need to say how fortunate that the wife and I found this site. after years of following Taylor & Mel & Laura & Nisi ...
by 1530jesup
Fri Mar 13, 2015 9:29 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Vanguard Diehards Alumni
Replies: 23
Views: 1212

Re: Do you really need 2.5 million to retire well?

To me, this is a fairly interesting question with fairly horrifying implications, if true. 76+74, we certainly hope it is not true; 20 more years to go and feeling we may actually make it without missing much of the good life we enjoy. of course it depends on what lifestyle you had before retiremen...
by 1530jesup
Thu Mar 12, 2015 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you really need 2.5 million to retire well?
Replies: 121
Views: 12746

Re: Bernstein: 2% investment returns over next 20 years

Some years ago there was a post for a spread sheet projecting and tracking portfolio performance after withdrawals. One projection uses -- I hope -- a conservative asset growth % and I have been happily adjusting the portfolio balance upward over these past few years. Projecting a 1.8 growth, I will...
by 1530jesup
Tue Mar 10, 2015 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22866

Re: High Cost of Fruits and Vegetables

The bulk of what my family of three eats is fresh and frozen vegetables and our monthly food costs are ~$200-$250. I am not a small man and my wife is pregnant with our second, we eat a lot. These threads always make me realize how fortunate we are to have such a cheap local grocer. I always think ...
by 1530jesup
Mon Mar 09, 2015 2:51 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6994

Re: High Cost of Fruits and Vegetables

I volunteer at an organic farm and trade my labor for food. Not only is it healthy, but it's a ton of fun. If you can't volunteer on a farm, how about signing up for a CSA box from a local farmer? tried that and found that we could not select what they were to give us. offered loads of veggies - li...
by 1530jesup
Mon Mar 09, 2015 10:16 am
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6994

Re: Boglehead degree status

obgyn65 wrote:I am not at bachelors level yet.

think I am a generalist - still getting my education
figure in about 25 years I can graduate (at age 101) with a bachelors!
by 1530jesup
Sun Mar 08, 2015 10:30 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 4860

Re: High Cost of Fruits and Vegetables

likegarden wrote:Yes, I remember this movie about 'Soylent Green'.

Edward G Robinson was on the menu and Charlton Heston was the hero who (I think) revealed to the remaining humans how their food was "home" grown
by 1530jesup
Sun Mar 08, 2015 4:00 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6994

Re: High Cost of Fruits and Vegetables

My local Aldi [snipped] Also, they have organic frozen berries. Can't remember the prices, but WAY cheaper than WF/Trader Joe's and even the regular grocery store. Quality of their produce is eons better than it used to be. I no longer shop anywhere else on a regular basis. Glorious! Trader Joe's c...
by 1530jesup
Sun Mar 08, 2015 2:14 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6994

Re: High Cost of Fruits and Vegetables

Juicing will enable you to load up on veggies & fruit Smoothies with frozen fruit and powdered protein and possibly one of those "super green" powder mixes delivers great nutrition Lived in the metro NY area (not in Manhattan) where there were many produce markets with good quality and...
by 1530jesup
Sun Mar 08, 2015 2:06 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6994

Re: Favorite chocolate candy

pointyhead wrote:Any!! But I always like when Trader Joe's sells the 10 Pack of chocolate bars from various countries. Really interesting tastes.

TJ's pound plus bars, I will take their 72% cocoa dark chocolate ($5), straight up, no nuts or stuff, over any of the fancy foil wrapped designer candies...
by 1530jesup
Fri Mar 06, 2015 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 51
Views: 3515

Re: How do I learn to like sushi?

Some people have an aversion to the seaweed used in the rolls. If that is a problem for you, there are certain types of roles/etc that use less seaweed. seaweed salad can be outstanding. even if I did not eat sushi, I could do a meal of tempura veggies (perhaps with tempura shrimp) and seaweed sala...
by 1530jesup
Sun Mar 01, 2015 10:12 pm
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 4847

Re: Should you tip when picking up takeout food?

Someone did a study on tipping (may have read it in the NY Times) and as far as table service goes, the amount of the tip (say 15% or 20% or higher) is not a guarantee you will be treated with care the next time you eat out at the same place. And takeout, I rarely tip even when the tip jar is front ...
by 1530jesup
Sat Feb 28, 2015 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 54
Views: 3873

Re: How do I learn to like sushi?

In our area sushi buffets are the rage. which is great because once I tried it, I can not get enough... I have no memory of my first time trying it yet now I am a sushi snob and easily pass by the California rolls (no fish) for both the raw and cooked delights. Like all foods we have trouble eating ...
by 1530jesup
Sat Feb 28, 2015 2:29 pm
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 4847

Dilbert's take on Investment Theory

Scott Adams always has fun skewering the business world
Recently he took a few shots at investing advice and if you scroll down (I can not copy and paste his stuff) his web site he pretty much nails some of the investing tactics we talk about here
http://dilbert.com/
by 1530jesup
Fri Feb 27, 2015 9:16 am
 
Forum: Investing - Theory, News & General
Topic: Dilbert's take on Investment Theory
Replies: 1
Views: 567

Re: Automatic refresh

Something has changed and I don't know if it is a Firefox browser setting or a change in forum software. Recently I noticed that the bogleheads.org page is refreshed/reloaded every time I close a topic (click the back icon). It used to refresh only when requested. What caused this change? if you cl...
by 1530jesup
Wed Feb 18, 2015 2:08 pm
 
Forum: Forum Issues and Administration
Topic: Automatic refresh
Replies: 22
Views: 1477

Re: When would you retire money no object?

Dutch wrote:Today

:thumbsup yeah, always said it would be instantaneous. Sadly, my hunting & gathering was a super slow motion process. Which gave me a greater appreciation of now doing what I want, when I want...
by 1530jesup
Tue Feb 17, 2015 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: When would you retire money no object?
Replies: 64
Views: 3426

Re: New South Florida Local Chapter

marisara wrote:Same here! But I don't see much action. I emailed chapter leader Josh a few minutes ago.

emailed Josh last Thursday 2/5 - no bounce back and no reply as yet. I am in if we can do a mid point get together between West Palm and Broward
by 1530jesup
Tue Feb 10, 2015 6:28 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: New South Florida Local Chapter
Replies: 42
Views: 6465

Re: Alternatives to Radio Shack?

Toons, I appreciate your optimism, but I doubt I could adequately describe a trunk opener from a 1994 Buick with a dead battery, much less its part number, or the battery's part number, assuming either even exists. Assuming further I could get the dang thing open to even find the battery. As Radio ...
by 1530jesup
Mon Feb 09, 2015 9:59 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to Radio Shack?
Replies: 47
Views: 2956

Re: Found $100 Bill at Walmart

sitting on the steps of the NYC Met Museum of Art on 5th Ave - a great crowd watching tradition. Someone left an item bought at the souvenir shop. dear wife picked it up and brought it to lost and found. spent the day at the museum and some 4-5 hours later went up to lost & found and told them i...
by 1530jesup
Sat Feb 07, 2015 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Found $100 Bill at Walmart
Replies: 161
Views: 11823

Re: Assurant Health Insurance

I am considering this company for a small company group policy for my employees. I've never heard of them, does anyone have any experience or opinion? Allan Did some marketing for one of their divisions several years back, small company policies was one of their stronger points. You can Google thei...
by 1530jesup
Fri Feb 06, 2015 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Assurant Health Insurance
Replies: 13
Views: 820

Re: 3 must have car safety/'Convenience safety' features

I didn't vote for any of these. Sensible driving, good brakes and tires are far more important imo. +1 sometimes it scares me that there are all these automatic controls. between product failure and computer failure (hacking?) and laziness as automated essential actions possibly make us less cautio...
by 1530jesup
Wed Feb 04, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: 3 must have car safety/'Convenience safety' features
Replies: 36
Views: 2681

Re: Joining the free dinner circuit? Promises, promises.

Absolutely, go for the free food. In the trade, known as a "plate licker". For continued invitations to such events, one must fill out the cards available at the rear of the hall, and mark "please contact me with further information". That will get you marketed to at least one f...
by 1530jesup
Tue Feb 03, 2015 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Joining the free dinner circuit? Promises, promises.
Replies: 100
Views: 8286

Re: Selecting a Medigap Policy with 28 Choices

Also, Medicare.gov has prices for all insurance companies. I recommend choosing cheapest price as the Medigap plans are standardized. Disclosure: I am a Certified Volunteer Medicare Counselor from NJ mur44, could you pls provide a link to this......I have not been successful in getting Medigap pric...
by 1530jesup
Sun Feb 01, 2015 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting a Medigap Policy with 28 Choices
Replies: 42
Views: 3713

Re: TV sound options for hearing impaired

Sennheiser's RS wireless headphone lineup seems to be the biggest player for this application, getting audio from a TV to one person and not others, if you want to go this route. I can't say I've tried any of these myself, though, but I have heard some of their other headphones and they are a very ...
by 1530jesup
Sun Feb 01, 2015 7:26 pm
 
Forum: Personal Consumer Issues
Topic: TV sound options for hearing impaired
Replies: 14
Views: 1498

Re: Vesting and Normal Retirement Age

Joined a company in 2000 at age 61 and their vesting schedule was 5 years. Guessing each employer creates their own rules. Luckily I was past the requirements when the bottom fell out in '08 and they started letting folks go in large bunches. That was when we moved everything to Vanguard. Getting fi...
by 1530jesup
Fri Jan 30, 2015 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: Vesting and Normal Retirement Age
Replies: 12
Views: 1060

Re: Assisted Living Facilities... Weird 'Atmosphere...'

Skilled nursing has a separate dining area and so I would expect those individuals would be less chatty simply because they are in poor health. perhaps my lady got a "chatty" skilled nursing facility. I would guess the staff and care givers can set the tone of the environment which makes ...
by 1530jesup
Fri Jan 30, 2015 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Assisted Living Facilities... Weird 'Atmosphere...'
Replies: 34
Views: 4201

Re: Assisted Living Facilities... Weird 'Atmosphere...'

The dear wife needed rehab after a hospital stay and the "skilled nursing" facility had the dining setting you described yet there was social interacting. The group was a mix but mainly elderly. Perhaps in a retirement setting it is different because there were two questions that opened a ...
by 1530jesup
Fri Jan 30, 2015 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Assisted Living Facilities... Weird 'Atmosphere...'
Replies: 34
Views: 4201

Re: What age did you move out?

went to college at 17; dropped out at 18; married AND MOVED OUT at 21; still married to wife #1 at 75; interestingly, each of our kids returned home and then moved on; life has been and continues to be good...
by 1530jesup
Thu Jan 29, 2015 10:22 am
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5272

Re: Drinking water

Bottled water delivery services, on a subscription basis, can be very convenient. Old tennis buddy told me a great bottled water story: he was a property manager for Manhattan office buildings and found a great scam. In one building the superintendent had a deal with a major delivery service brand'...
by 1530jesup
Mon Jan 26, 2015 10:27 am
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 46
Views: 3506

Re: Drinking water

Fifteen+ years ago in Connecticut we had an under the counter Osmosis filter from GE that was a pain to install and needed periodic maintenance (rinsing with bleach!). Yet, the water was just fine. I have seen Osmosis systems at Home Depot and they appear to be simplified in both installation and us...
by 1530jesup
Sun Jan 25, 2015 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 46
Views: 3506

Re: Anyone still keep DVDs?

Heck, I've still got some VHS tapes. And some blank tapes and a machine to record and play them. :o Me too. Mostly recorded off cable but some "store bought". Also, maybe one or two DVD's. And, in the near future I will probably advance into the future with streaming but not rushing too m...
by 1530jesup
Sun Jan 25, 2015 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Anyone still keep DVDs?
Replies: 27
Views: 1924

Re: Closing unused credit cards - should I do it?

Toons wrote:Easy decision close em out.Move on :happy

Or, ask if they have a no fee card to simply make the transfer without fear of shaking up the credit score formula
I did that with Am Exp when I went from one of their upscale cards to their "Blue" card to cover my Costco purchases
by 1530jesup
Wed Jan 21, 2015 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Closing unused credit cards - should I do it?
Replies: 16
Views: 1330

Re: The "Less Than" a Million $ Club

I’m just curious. . . . For those of you who seem to be counting on Social Security checks to see you through your retirement years, are any of you concerned about the fact that Social Security is projected to become insolvent in 2033? Thanks. No, not really -- SS is a good part of our "income...
by 1530jesup
Tue Jan 20, 2015 6:53 pm
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 11672

Re: Let's Celebtate! Which funds are you buying in 2015?

DaveG wrote: In IRA's we are buying: VWO, VSS, EWX
In taxable we are buying MUB. Not because it's cheap right now, but because we want more muni's in taxable.

For us older guys, please, a simple [Emerg Mkt] next to the designation would stop the memory pods from leaking out...
by 1530jesup
Mon Jan 19, 2015 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3706

Re: garbage disposals - are these still used?

obgraham wrote:Heavens! We've always had a disposal, and I can't imagine functioning without one. Three clogs in 45 years!
On the other hand, we've never had an electric can opener, and everyone else thinks that's bizarre!

agree with both points :happy
by 1530jesup
Sun Jan 18, 2015 6:51 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3765

Re: garbage disposals - are these still used?

Have replaced two of them in the past ten years - nothing gets repaired, they leaked and service guy just swapped them out. Banana peels and egg shells and onion skins supposedly should not be put in the disposal. Just the two of us so no issues (usually) with spoons or other foreign objects droppin...
by 1530jesup
Sat Jan 17, 2015 6:52 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3765

Re: We miss Larry Swedroe

I do miss the rather spirited discussions many of us have had with Larry Swedroe. He certainly is no shrinking violet and the back and forth has been both fun and educational. Every once in a while, Larry and Rick Ferri will engage in a lively discussion. I have learned a heck of a lot from all the...
by 1530jesup
Sun Jan 11, 2015 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: We miss Larry Swedroe
Replies: 28
Views: 7537

Re: Looking for low cost cell phone plans...

We're one of the few holdouts without a cell phone. But for an "emergency phone" to carry in the car, we use the AT&T Prepaid go-phone. It costs $100/year, and gives us far more minutes-of-use than we can ever use. +1 bought a Nokia at Amazon (maybe $50) which gives me WiFi capability...
by 1530jesup
Sun Jan 11, 2015 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 4256

Re: WHY is retirement enjoyable / something to look forward

As I am retired, I can answer quite simply: when one is retired, every day is the weekend. But the weekend is special because it is a break from your work, can you really take a break from nothing? YES! like the old joke that goes something like this; Wife: what are you doing today? Husband: nothin...
by 1530jesup
Thu Jan 08, 2015 12:40 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20530

Re: Logon automatically won't work on 1 out of my 5 devices

Is Chrome on your computer prevented from placing cookies? That would cause the behavior you describe. The cookie is a small file on your computer in which a web site stores information it needs to log you in. PS: Do you really want anyone who gets hold of one of your machines to be able to log on ...
by 1530jesup
Thu Jan 08, 2015 9:24 am
 
Forum: Forum Issues and Administration
Topic: Logon automatically won't work on 1 out of my 5 devices
Replies: 9
Views: 755

Re: Vanguard sent me a $.01 check.... silly.

We own a single share of a utility left over when Columbia Gas disappeared. Because the cost of selling the single share was equal to the value, we kept it over the years. The dividend is now up to $.26 and we deposit the check every quarter. Our bank must not be happy but the company seemly has no ...
by 1530jesup
Tue Jan 06, 2015 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sent me a $.01 check.... silly.
Replies: 25
Views: 2420

Re: Is "stay the course" a commandment or a suggestion?

Stay the Course = "Remain on the path to investing salvation ... with prudent adjustments along the way." I will go with that; "stay the course" is the strategy with your own flavor of asset growth, diversity and risk Course adjustments are the tactics to allow for lifestyle and...
by 1530jesup
Mon Jan 05, 2015 11:16 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4189
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