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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: 897

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: 3816

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: 3816

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: 4914

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: 45
Views: 3022

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: 45
Views: 3022

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: 1764

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: 1290

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: 11136

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: 3601

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: 3687

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: 3687

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: 7440

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: 3998

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: 20064

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: 635

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: 2398

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: 4089

Re: POLL: How do you make important investment decisions?

Being a babe in the woods, I listed personal relationships: First investment was a mutual fund I knew nothing about when I was in my early 20's (50 years ago) that was sold to me by my cousin. Later I had a tennis partner at Smith Barney and a business associate at UBS which would also cover the ins...
by 1530jesup
Tue Dec 30, 2014 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: How do you make important investment decisions?
Replies: 27
Views: 2806

Re: How Much Do You Sacrifice?

I will go for the small fix. An alarm monitoring service can cost as little as $12-$15 per month. Once the system is in there are lots of reliable options for the monitoring, leaving enough to do another couple of rounds of golf if you want...
by 1530jesup
Tue Dec 30, 2014 7:25 pm
 
Forum: Personal Consumer Issues
Topic: How Much Do You Sacrifice?
Replies: 82
Views: 6605

Re: Poll: Total cost of 2-yr cell phone ownership?

Semi-smart phone: $50 (actually bought 3 years ago but we'll fudge it) Pay as you go prepay of $100 per year: $200 Total: $250 ditto, ATT prepay plan and Nokia phone from Amazon $50, and never use up the $100 per year cost @ $.10 per minute; currently have $380 worth of minutes on phone from the ye...
by 1530jesup
Mon Dec 29, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Total cost of 2-yr cell phone ownership?
Replies: 54
Views: 3170

Re: How do you define "being rich"?

Simple answer: One comma - poor Two commas - average Three commas - rich Victoria Retired, two commas, comfortable lifestyle - which kind of gets me to three commas. By IRS standards and my accountant and some folks here at BH I am not rich (except in name only) and the dear wife and I will simply ...
by 1530jesup
Sun Dec 21, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9474

Re: What to do if someone is using your home address?

Write "Not at this address" on it, and drop it in the mail box. I get mail - like credit card offers - addressed to my kids that I always refused but the post office told me that unless the envelope has a statement like "electronic service requested" they simply trash returned c...
by 1530jesup
Sat Dec 20, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do if someone is using your home address?
Replies: 25
Views: 2902

Re: How do you define "being rich"?

lws6772 wrote:Good health, great family and friends, and living in the greatest country in the world. :beer

Agree, which of course many times, it is simply the luck of the draw
by 1530jesup
Sat Dec 20, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9474

Re: Relocating to Florida - Need some advice

When I first moved to Florida my cubicle mates were all over me with typical put downs - primarily of the early bird dining, crazy drivers and old age variety. Then the company went into casual Friday mode and I emailed everyone with my plight: 'here I am sitting barefoot wearing shorts and a tee s...
by 1530jesup
Fri Dec 19, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2854

Re: Relocating to Florida - Need some advice

wilpat wrote:I strongly recommend the West Coast! The East Coast, in my opinion, is just displaced Northeast.

which means what? where is the moderator when innuendo enters the conversation?
by 1530jesup
Fri Dec 19, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2854

Re: Relocating to Florida - Need some advice

When I first moved to Florida my cubicle mates were all over me with typical put downs - primarily of the early bird dining, crazy drivers and old age variety. Then the company went into casual Friday mode and I emailed everyone with my plight: 'here I am sitting barefoot wearing shorts and a tee sh...
by 1530jesup
Fri Dec 19, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2854

Re: Relocating to Florida - Need some advice

I've lived in both S. Florida, near Ft. Lauderdale and in the Tampa area, mostly the latter. The weather was great in S. Florida as they don't seem to get the cold snaps we get here in Central Florida but I still prefer the Tampa area (this includes Clearwater, and St. Petersburg). Just feels like ...
by 1530jesup
Fri Dec 19, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2854

Re: Relocating to Florida - Need some advice

Buy some alligator repellent, fire ant repellent, python repellent, brown recluse repellent, rattlesnake repellent, cottonmouth repellent, mosquito repellent, etc. Oh, you mentioned beaches, so add shark repellent, jellyfish repellent, too. Presumably you already have tick repellent coming from CT....
by 1530jesup
Thu Dec 18, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2854

Re: Relocating to Florida - Need some advice

Hello Bogleheads, I am relocating to Florida from CT. I was given an option to work remotely and I decided moving to Florida would be good because of the weather and beaches. I need some advice on which places would be good for a single mid 30's person. I am leaning towards Miami or Ft. Lauderdale....
by 1530jesup
Thu Dec 18, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2854

Re: WHY is retirement enjoyable / something to look forward

Every day ends like it is Friday evening Every day begins as if it is Saturday This has been an excellent thread. The kind that makes me introspective. I was especially affected by the replies to the quote above. I think my reaction is probably an outlier though, but it is valid for me. I took a pa...
by 1530jesup
Wed Dec 17, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20064

Re: WHY is retirement enjoyable / something to look forward

Every day ends like it is Friday evening Every day begins as if it is Saturday As Simon and Garfunkle once sang, 'slow down, you are going too fast, got to make the moment last, feelin' groovy' Enjoy, Rich Sounds like heaven :happy Well, actually, it is heaven. The key for us was moving to an "...
by 1530jesup
Wed Dec 17, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20064

Re: WHY is retirement enjoyable / something to look forward

If you can't wait to retire, you are in the wrong line of work. Many jobs are mundane, back breaking, dirty, stressful, dangerous, demeaning, etc. Somebody has to do those jobs, and they look forward to retirement. No one has to do a job they don't like . That is not always true. Especially in the ...
by 1530jesup
Tue Dec 16, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20064

Re: WHY is retirement enjoyable / something to look forward

Every day ends like it is Friday evening Every day begins as if it is Saturday The places you need or want to be today are of your own choosing Sadly, you will also have more time for your doctor's appointments... As Simon and Garfunkle once sang, 'slow down, you are going too fast, got to make the ...
by 1530jesup
Tue Dec 16, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20064

Re: At what age did you find dream job?

So far I am the lone 61+ entry. After a lifetime as a serial entrepreneur, I took on a telecommuting marketing position. But just as I failed at retiring - twice - I left the job and went rogue taking consulting projects as an independent. Fourteen years later I think the retirement thing has finall...
by 1530jesup
Sun Dec 14, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you find dream job?
Replies: 32
Views: 2779

Re: Comcast's XFINITIWIFI

BS5 wrote:Try Arris TM822 sold on Amazon. Will give you voice and Internet with top level speed on Xfinity/comcast.

thanks, I needed that
by 1530jesup
Sun Dec 14, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Comcast's XFINITIWIFI
Replies: 29
Views: 2396

Re: Comcast's XFINITIWIFI

cheese_breath wrote:My Motorola SB6121 is $69.99 at several stores.

Now, to be clear, if I am using Comcast/Xfinity for my phone that means I can not use an alternate modem? Right?
by 1530jesup
Sat Dec 13, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Comcast's XFINITIWIFI
Replies: 29
Views: 2396

Re: Comcast's XFINITIWIFI

I use Softperfect wifi guard, a free program that scans your system for freeloaders
You can check it out here: https://www.softperfect.com/products/networkscanner/
Either I missed the memo or Comcast has not announced the functions here in South Florida
by 1530jesup
Sat Dec 13, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Comcast's XFINITIWIFI
Replies: 29
Views: 2396

Re: Who Paid for the wedding?

my three kids (mostly) paid for their own weddings

55 years ago things were different and the cost of our typical big bash chicken sit down dinner was split between the two (relieved) sets of parents...
by 1530jesup
Sat Dec 06, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6701

Re: Vanguard offers login security code

toto238 wrote:
lululu wrote:Suck eggs, you people with no text capabilities, signed Vanguard.

You can use Google Voice with it. Or alternatively, join the 21st century and get a cell phone.

so this is not available for those of us still mired in 20th century cutting edge technology like a desktop PC? (With Windows 8.1).
by 1530jesup
Tue Nov 25, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 18361

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

The only solution is for Taylor to challenge Merriman to a dual at sunrise, somewhere near the OK Corral. :annoyed It would be more fun and more interesting for Taylor to take him out on Biscayne Bay (or wherever) and have a sailboat race... Oh, and I got my investing guidance from this forum which...
by 1530jesup
Thu Nov 20, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 29541

Re: Yet Another Credit Card Thread

A bit off topic but related. Does anyone know if Costco is counted as groceries for the Amex Blue card ? thanks The only big box stores that I know get recognized are Lowe's & Home Depot for home improvements, I remember one card specifically stated that BJ's & Costco are not eligible as gr...
by 1530jesup
Tue Nov 11, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Yet Another Credit Card Thread
Replies: 24
Views: 2302

Re: New car - should I pay cash or use credit?

Given your cash situation, I'd just pay cash as it would be one less thing to keep track of. We have a pretty good credit score but were advised that because we are not carrying any loans (except for a small amount to keep our Equity Line of Credit alive) and pay off our credit cards, that the scor...
by 1530jesup
Sun Nov 09, 2014 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: New car - should I pay cash or use credit?
Replies: 32
Views: 4808

Re: My DISH tv bill just keeps going up and up

This is not just a Dish Network problem. The same price escalations occur at Direct TV and cable providers. The real culprit is the greedy content providers, but of course their prices are driven by greedy producers, actors/actresses, etc... You are wasting your time blaming Dish Network, Direct TV...
by 1530jesup
Sun Nov 09, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 5066

Re: My DISH tv bill just keeps going up and up

To the OP's question, just contact them and politely ask for a discount. Name drop specific plans & prices from competitors. I called Comcast last week & repeatedly mentioned a competitor's $30/month plan for internet only & they finally agreed to give me the $40 rate for another year i...
by 1530jesup
Sat Nov 08, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 5066

Re: My DISH tv bill just keeps going up and up

Drop all or most of those movie channels... If you drop the premium movie channels what is left to watch? Sports(?), not interested Comedy & drama shows(?) - either cable or network - renew your library card Oh, wait, not much worth catching at the movies. Makes the library card more valuable Y...
by 1530jesup
Sat Nov 08, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 5066

Re: What would you do about Comcast over billing?

To check your WiFi, go to https://www.softperfect.com/products/wifiguard/ for a free download of WiFi Guard This will tell you who is using your WiFi network As for Comcast over billing, you gotta be persistent ask for the supervisor and call back if necessary because the CS people pick up from diff...
by 1530jesup
Fri Nov 07, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: What would you do about Comcast over billing?
Replies: 15
Views: 1194

Re: What do you set your thermostat to (in F)?

At the moment, it is completely off - no heat and no air conditioning. On the rare occasions when I need heat and I'm alone in the house I set it to about 68. When DW is home it's more like 70 or a bit higher. I've gone entire winters in Florida without using any heat.Gill Same here, even with the ...
by 1530jesup
Tue Nov 04, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4820

Re: Coupons? Do you live by them?

Rarely if ever for going out to eat. I am a single woman. Most coupons for restaurants are buy one dinner and two beverages and get the second dinner half price (or maybe free) - and sometimes they are dine in only. Well, I usually don't want a "beverage" other than water, and I certainly...
by 1530jesup
Sun Nov 02, 2014 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4318

Re: Coupons? Do you live by them?

We shop both Costco & BJ's. The advantage of BJ's is that they accept manufacturer's coupons and we easily pick up at least $10 per month - a true BH type dividend. Why throw money away at the supermarket when a few minutes time matches up the coupons with, what for us, is a limited amount of pr...
by 1530jesup
Fri Oct 31, 2014 8:57 am
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4318
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