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by Browser
Mon May 25, 2015 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 46
Views: 1923

Re: Do Bogleheads plan to utilize Independent Living facilities?

Always a balancing act. Friend in her 70s recently surveyed a couple of the nice independent-living places, which also have affiliated assisted-living that you can move to. Not CCRCs. Her impression was that the people in the independent living place were sold, well, old. She's not ready for that qu...
by Browser
Mon May 25, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: Sun City Arizona = Retirement help.
Replies: 50
Views: 6366

Re: Sun City Arizona = Retirement help.

I agree Sun City used to be mostly very old "greatest generation folks" and it was a pretty quiet place and "sort of out of town". But time marches on and most of those people are gone and replaced by Baby Boomers today. So I see it changing culture a lot. Sun City is now in the...
by Browser
Mon May 25, 2015 3:10 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 27
Views: 2455

Re: Any solo retired RVer's out there?

Needless to say, I'm looking to go as light and efficient as possible with just me to worry about. But I do want something that I can live in for weeks at a time so I can hang out in some areas where there are friends and family and not barge in on them. Also need to have separate wheels to get arou...
by Browser
Mon May 25, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Sun City Arizona = Retirement help.
Replies: 50
Views: 6366

Re: Sun City Arizona = Retirement help.

I've been familiar with Sun City since the 1970s. When it was new, the people who moved to Sun City were typically in their early 60s, newly retired. They were a much more adventurous and active lot back then. Sun City was out in the desert west of Phoenix and was a pretty quiet and uncongested plac...
by Browser
Mon May 25, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 27
Views: 2455

Re: Any solo retired RVer's out there?

I voraciously watch YouTube videos of people living the RV lifestyle (both older, traditional "retired" folks and younger folks doing it for the lifestyle). There is certainly something very appealing about a minimalist lifestyle in a small RV, such as: visiting friends and not being a bu...
by Browser
Mon May 25, 2015 1:00 am
Forum: Personal Consumer Issues
Topic: Sun City Arizona = Retirement help.
Replies: 50
Views: 6366

Re: Sun City Arizona = Retirement help.

Sun City and surrounding area is ok. If your idea of retiring is golf and then socializing with the very old, and then retiring to your home by seven pm. Then it may be a good fit. From my perspective, it's strictly a community for seniors. There are no good restuarants except Olive Garden,etc. Ver...
by Browser
Sun May 24, 2015 2:23 pm
Forum: Personal Consumer Issues
Topic: How To Answer Cancer Health Question
Replies: 12
Views: 1509

Re: How To Answer Cancer Health Question

Why don't you ask the insurance company? I'd hate to have my claim denied later if they start getting picky. And get their response in writing.
by Browser
Sun May 24, 2015 2:20 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 6739

Re: Bill Gross Thinks the End Is Near

Hope for the best, but plan for the worst my compadres. That way you won't end up getting shafted.
by Browser
Sat May 23, 2015 11:01 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 27
Views: 2455

Any solo retired RVer's out there?

Ran into some folks who were talking up the idea of trying out the RV lifestyle in retirement; however, I'm flying solo these days and the thought of being a lonely road warrior hasn't caught my fancy just yet. But after talking with these folks, a couple who travel in their RV about 6-8 months a ye...
by Browser
Sat May 23, 2015 11:29 am
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 3829

Re: Put money down on new car, dealer wants color change

You know, this just reminds me to GET IT IN WRITING. Especially before any money comes out of your pocket.
by Browser
Sat May 23, 2015 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Real cost of a Masters (in the US)
Replies: 39
Views: 2762

Re: Real cost of a Masters (in the US)

I thought you were talking about the Masters Golf Tournament in Augusta, GA. Wonder what that costs?
by Browser
Sat May 23, 2015 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard automatically convert to Admiral class shares?
Replies: 33
Views: 2901

Re: Will Vanguard automatically convert to Admiral class shares?

Just recently put money in a non-admiral fund. When I later added more and exceeded the minimum needed for admiral shares the conversion was automatic and happened within a couple of days.
by Browser
Fri May 22, 2015 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 70
Views: 4465

Re: Medicare supplemental insurance

I get a wellness exam every year via Medicare. Looks the same to me as prior physical exams. Fairly through, not superficial. Maybe your doc didn't get the memo. Which raises the question, how do they know your are a Medicare patient? I go to a university hospital, so I'm not known personally and m...
by Browser
Fri May 22, 2015 7:57 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 6739

Re: Bill Gross Thinks the End Is Near

[OT comment removed by admin LadyGeek]
by Browser
Fri May 22, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 6739

Re: Bill Gross Thinks the End Is Near

Let's say Mr. Gross is spot on that stock and bond market underperform going forward. So what is an investor to do? That is why I think statements like that are so IDIOTIC. If one does not say what the better option is then just ranting. Good luck. I think he's said what to do. Plan for low returns...
by Browser
Fri May 22, 2015 1:44 pm
Forum: Personal Consumer Issues
Topic: Looking for a DVR device for antenna TV (Simple.TV?)
Replies: 32
Views: 2166

Re: Looking for a DVR device for antenna TV (Simple.TV?)

This thread was very timely. It spurred me to try out a stand-alone antenna on our tv a couple of days ago. Bought one at K-Mart for $20 and within 30 minutes of getting home I immediately got 20+ channels on the thing. Not all the bells & whistles of 300-channel cable, but who needs that distr...
by Browser
Fri May 22, 2015 12:45 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 6739

Re: Bill Gross Thinks the End Is Near

You know, I actually agree with him on this. After worrying for years about bond rates heading up and the bloated stock market tumbling, nothing has happened. I think that we're just tired and worn out about it all. There will be no big crash, there will just be a boring dead-zone of zombie financia...
by Browser
Fri May 22, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 23
Views: 1519

Re: Penfed 0.99% auto loan

I currently have a $1000 certificate with Penfed so I can keep the 5% gas rebate Penfed card. Are you saying that if I took out an auto loan with Penfed that could replace the $1000 certificate to qualify for the card and I can liquidate that?
by Browser
Fri May 22, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: Looking for a DVR device for antenna TV (Simple.TV?)
Replies: 32
Views: 2166

Re: Looking for a DVR device for antenna TV (Simple.TV?)

+1 for magnavox recorder. http://www.walmart.com/ip/36246088 It is reliable and works well recording cable/ ota - whatever. Menu is easy to follow. Effectively it is a digital VCR. It's $100 cheaper than the Channel Master (after adding your own HDD and wireless WiFi dongle) but looks like more of ...
by Browser
Fri May 22, 2015 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 70
Views: 4465

Re: Medicare supplemental insurance

I still don't know how to get my blood panel annually unless I start going to a hematologist regularly. I haven't had a complete panel in the last several years and no cholesterol or glucose readings. I can't think of any way to get a complete annual exam back except start paying for it out-of-pock...
by Browser
Fri May 22, 2015 11:04 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 108
Views: 18553

Re: My New Car Buying Tips

Just one more thing to keep in mind if you are shopping out-of-state for your new car, which is my case. Usually, you can pay for your car out-of-state without the sales tax, which you pay in your home state when you register the vehicle there. But not always. States with reciprocity agreements will...
by Browser
Fri May 22, 2015 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 70
Views: 4465

Re: Medicare supplemental insurance

I had been getting an annual physical that always included putting on the gown to be looked over, the digital rectal prostate, taking blood for labs such as lipids, PSA, etc.. After I started on Medicare, when I didn't receive my usual annual appointment reminder, I made my own appointment. Was not ...
by Browser
Thu May 21, 2015 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 70
Views: 4465

Re: Medicare supplemental insurance

My husband went on an Advantage plan through my employer. After a couple of months, I realized he would be better off (coverage wise and lower premium) with traditional Medicare and supplemental plan. We were told he could change from advantage plan to supplemental plan once and choose any plan as ...
by Browser
Thu May 21, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 70
Views: 4465

Re: Medicare supplemental insurance

So, let me ask this. It is my understanding that once you have flipped original Medicare coverage for a Medicare Advantage plan, that is a one-way street as far as supplemental insurance is concerned. The only way you can go back to original Medicare with supplement is to go through the underwriting...
by Browser
Thu May 21, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 3045

Re: Just used my chip credit card for the first time!

As some have pointed out you have to leave the card in the reader for a time and you can't just swipe and go. Some people have been walking off and forgetting them in the reader. The slowness of the process is going to be a hassle when everybody starts using them.
by Browser
Thu May 21, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Takata Airbag Recall
Replies: 13
Views: 1782

Re: Takata Airbag Recall

Got my CRV airbags replaced after 3 month backlog. Glad since now there are millions more cars recalled and it will be 2 years before they can replace them all. Now the issue is the quality of the replacement airbags. They must be turning them out like tacos to meet demand, so how good is the qualit...
by Browser
Wed May 20, 2015 11:18 pm
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 3045

Re: Just used my chip credit card for the first time!

Back to the original topic, it appears you won't be seeing chip cards being used anytime soon. Who knows when we'll have chip and pin?: Retail giant Walmart (WMT) is one of the few retailers that have installed checkout terminals that can process the chip-enabled cards. But by the end of 2015, retai...
by Browser
Wed May 20, 2015 9:14 pm
Forum: Investing - Theory, News & General
Topic: The BIG problem with the S&P 500 index?
Replies: 37
Views: 6010

Re: The BIG problem with the S&P 500 index?

Just shows to go ya how much the returns of large cap index funds are determined by a handful of mega-cap stocks, whether it's the SPEE or Total Market. Way to get away from that is to tilt toward small cap.
by Browser
Wed May 20, 2015 9:04 pm
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 3045

Re: Just used my chip credit card for the first time!

There's always a way: Using second-hand terminals that they purchased on eBay, MWR accessed the computer code on which the terminals run. They used this code to program a fake chip and PIN card, loading the chip with malicious software that is capable of reprogramming the reader. Once used in shops,...
by Browser
Wed May 20, 2015 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Allan Roth: You should be checking your credit report
Replies: 4
Views: 786

Re: Allan Roth: You should be checking your credit report

Not sure what you are saying. My credit was previously frozen and I just created an account with Credit Karma. When I tried to get my credit report, CK said it could not provide on because my credit agencies had a block on them. It would seem I would need to thaw my credit in order to run a CK repo...
by Browser
Wed May 20, 2015 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Allan Roth: You should be checking your credit report
Replies: 4
Views: 786

Re: Allan Roth: You should be checking your credit report

according to clark howard, if you create a credit karma account BEFORE you freeze your credit you can check credit karma AFTER you freeze your credit. if your credit is already frozen, if you ever need to thaw your credit you can create an account with credit karma at that time. Not sure what you a...
by Browser
Wed May 20, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: ATM fraud minimization steps
Replies: 15
Views: 860

Re: ATM fraud minimization steps

Since I use credit cards for practically every purchase I make, I rarely go to an ATM. And I never make cash or check deposits. Who needs cash? I carry a few bucks with me, but that's about it. If you use cash-back cards, you want to use them all the time anyhow?
by Browser
Wed May 20, 2015 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Allan Roth: You should be checking your credit report
Replies: 4
Views: 786

Allan Roth: You should be checking your credit report

Informative article from Allan Roth about checking your credit report. I went to Credit Karma to check mine and was glad to find that it couldn't generate a report because there's a security block placed by the credit agencies. I requested a block on my credit agencies a while back and I'm glad to l...
by Browser
Wed May 20, 2015 2:32 pm
Forum: Personal Consumer Issues
Topic: LTE Coming to More Verizon MVNOs Soon
Replies: 9
Views: 827

Re: LTE Coming to More Verizon MVNOs Soon

I've been happy with my AT&T MVNOs. No desire to Verizon-ize. They apparently think they're above the fray.
by Browser
Wed May 20, 2015 2:30 pm
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 3045

Re: Just used my chip credit card for the first time!

My understanding is that chip and sign is at least a half-step more secure, as it generates a different card ID each time. That should help reduce the risk that your card number gets breached by a merchant hack. I'm getting tired of having new cards sent to me on a regular basis because of this. Obv...
by Browser
Wed May 20, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 3045

Just used my chip credit card for the first time!

I've been getting new credit cards issued that have the embedded chip but it has seemed irrelevant since no merchants seem to have credit card terminals that read it. I've sort of ignored the whole thing. But yesterday at a Walmart store, I started to swipe my card to pay for a prescription and the ...
by Browser
Wed May 20, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: LTE Coming to More Verizon MVNOs Soon
Replies: 9
Views: 827

Re: LTE Coming to More Verizon MVNOs Soon

I'm confused. The article says that these carriers are shipping LTE Sims, but I thought that Verizon was CDMA and didn't use SIMs like GSM phones do.
by Browser
Wed May 20, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6680

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

Another concern I have about all the electronics associated with these sensor-and-computer systems is their reliability and the costs to repair and maintain them as the car ages. These are the same guys that can't even install airbags that don't explode and kill you or ignition key switches that mal...
by Browser
Wed May 20, 2015 9:57 am
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 52
Views: 4014

Re: Best Chromebook 2015

I used a couple Chromebooks for awhile to try them out: the Toshiba and the Samsung. I simply couldn't figure out why I would want to use one instead of my small Lenovo laptop. It was a pain to do the things I usually do on my laptop, so after fiddling with them for awhile I returned them. You can ...
by Browser
Wed May 20, 2015 9:51 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6680

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

Back to the present -- it seems to me that adaptive cruise control and auto-braking could have the potential to reduce driver stress when driving in heavy traffic. If you have a miserable commute in freeway traffic each day, you have to stay on edge vigilantly looking for slowed or stopped traffic a...
by Browser
Wed May 20, 2015 2:33 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6680

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

To be clear, that statement says: " difference between the speed of your car and the car you might hit" This means if you're going 70mph and someone cuts in front of you at 55mph, there's a difference of 15mph, so that's well within what the system can handle. The latest EyeSight "3r...
by Browser
Wed May 20, 2015 2:26 am
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 52
Views: 4014

Re: Best Chromebook 2015

I used a couple Chromebooks for awhile to try them out: the Toshiba and the Samsung. I simply couldn't figure out why I would want to use one instead of my small Lenovo laptop. It was a pain to do the things I usually do on my laptop, so after fiddling with them for awhile I returned them. You can n...
by Browser
Wed May 20, 2015 2:18 am
Forum: Personal Consumer Issues
Topic: Looking for a DVR device for antenna TV (Simple.TV?)
Replies: 32
Views: 2166

Re: Looking for a DVR device for antenna TV (Simple.TV?)

I have built a few HTPCs in a previous life, in the pre-HD days. In each case I spent more time building the box and installing the software than ultimately watching recordings on the big screen. :oops: (I did watch quite a few of my recordings during long airplane trips) Then for a while I had a T...
by Browser
Wed May 20, 2015 2:03 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6680

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

It didn't take too long to find this article about auto-braking systems, which pretty much confirms what I suspected: These systems work best when the difference between the speed of your car and the car you might hit is less than 20 miles per hour (32.2 kilometers per hour). If the speed differenti...
by Browser
Tue May 19, 2015 6:12 pm
Forum: Personal Consumer Issues
Topic: Looking for a DVR device for antenna TV (Simple.TV?)
Replies: 32
Views: 2166

Re: Has anyone tried Simple.TV?

I got to thinking about it more and it seems to me that an internet connection for your DVR device is necessary if you want the device to display the channels and the program schedule on your screen, as does the DVR if you have cable/satellite service. Otherwise, I assume that you would have to reco...
by Browser
Tue May 19, 2015 4:44 pm
Forum: Personal Consumer Issues
Topic: Looking for a DVR device for antenna TV (Simple.TV?)
Replies: 32
Views: 2166

Re: Has anyone tried Simple.TV?

TravelGeek - Thanks for the info. I'm basically interested in a device that can connect directly to the TV and record shows occasionally as you do. My main interest is being able to free myself from live TV scheduling and to be able to record one show while I am watching another that are on simultan...
by Browser
Tue May 19, 2015 3:52 pm
Forum: Personal Consumer Issues
Topic: Looking for a DVR device for antenna TV (Simple.TV?)
Replies: 32
Views: 2166

Looking for a DVR device for antenna TV (Simple.TV?)

I cut the cable a year ago and watch local antenna TV that is broadcast in HD. Also have a Roku but really don't use it that much. One thing I'd like to be able to do is record shows again like I could with satellite DVR when I had that. I saw a piece about Simple.TV on the local TV station and it l...
by Browser
Tue May 19, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6680

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

I've been rear-ended three times. Once I got nailed by a couple doing about 50 when I was stopped for a left turn. I don't believe that even if he'd had auto-braking it would have helped much because he never saw me. Do you understand how auto-braking works? The driver doesn't need to see anything ...
by Browser
Tue May 19, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6680

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

3 close acquaintances have died in car accidents (none of them caused by them). In each case, the right collision warning system in the other vehicle might have saved their lives. That is indeed a tragedy. Like I said upthread, I think the best electronic safety devices are the one's in the other g...
by Browser
Mon May 18, 2015 10:37 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6680

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

Frankly, I'd have to say that used car buyers may be smarter than new car buyers. They realize that the market value of new cars falls faster and harder than stocks in 2008 and you can buy a perfectly good car for pennies on the dollar if you shop cars that are only 2-3 years old. Unfortunately, I'm...

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