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Re: Buying for someone who "has everything"

For Christmas my dad, whom we tell not to buy anything, buys my wife and I toothpaste, laundry detergent, shaving cream, etc. I haven't bought any of that stuff for years. Not exciting but very useful. Saves me some dough :happy :D My mom does something similar. She has a friend that makes very gen...
by jendoe
Fri Apr 04, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2308

Re: I bonds: October or November?

I actually just pulled the trigger and purchased some ibonds today, to go ahead and get the 1.18%. I realized that if they announce a >0% fixed rate for November 1, that rate will apply in to the new year (when the purchase limits reset). In that case, I'll probably be buying more in January. No clu...
by jendoe
Wed Oct 23, 2013 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: I bonds: October or November?
Replies: 29
Views: 3599

Re: Neurosleep - does it work?

I think that the suggestion earlier to have sleep testing done (to rule out things like sleep apnea) is a good one. I recently talked to my primary doc about this, and he says that they're now doing at-home sleep studies. They send you a kit with directions, you hook yourself up, and get to sleep in...
by jendoe
Tue Oct 22, 2013 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Neurosleep - does it work?
Replies: 17
Views: 1323

Re: Bad idea to buy i-bond now?

Couple of other tips about ibonds... (just in case you haven't seen these!) - You get interest for the full month if you hold the ibond on the last day of the month. So, if you buy ibonds near the end of a month... you essentially get to double-dip on interest (you collect interest while the money i...
by jendoe
Sun Aug 11, 2013 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad idea to buy i-bond now?
Replies: 39
Views: 3957

Re: What do you use your standard Savings/Share account for?

I use mine for a "short term emergency fund". I keep about $2k in there, and use it as a buffer for my actual emergency fund. The idea is that: - It minimizes the chance that I'll need to take money out of the real emergency fund. When I was just getting started, this was helpful to me, as...
by jendoe
Sat Aug 10, 2013 10:11 am
 
Forum: Investing - Theory, News & General
Topic: What do you use your standard Savings/Share account for?
Replies: 18
Views: 1111

Re: Review/Advice for investment plan and AA?

You are all awesome, thank you for the feedback! Peter... - Thank you for the support on moving my old 401k to the new one. The feedback helps! - re: 80/20 versus 70/30. I will think about this a bit more, and do some more reading. Honestly, 20% bonds felt like a leap for me (since I'm mostly in sto...
by jendoe
Wed Jul 24, 2013 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Review/Advice for investment plan and AA?
Replies: 4
Views: 406

Review/Advice for investment plan and AA?

Hello! Thank you all for the *amazing* information that gets posted here daily. I've learned so much just from lurking, and reading some of the older discussions. And... I'm finally ready to clean up my retirement accounts, and create a plan for my investing! I've come up with a possible AA, and wou...
by jendoe
Tue Jul 23, 2013 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Review/Advice for investment plan and AA?
Replies: 4
Views: 406

Re: [Sad news - Pat Larimore]

I am very sorry for your loss as well... the video was a beautiful tribute.
My thoughts and prayers are with you and your family.
by jendoe
Thu Jul 18, 2013 9:25 am
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 15435

Re: 401k Questions (Fees, Funds without Ticker Symbols)?

Hi LadyGeek, Thanks for the Financial Planning link! It seems to lay everything out quite nicely... ...Assuming everything else is in order (do you have an emergency fund, pay off credit cards, etc.? Take your time...), you are now at step 3. "Select your asset allocation / level of risk"....
by jendoe
Tue Jul 16, 2013 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Questions (Fees, Funds without Ticker Symbols)?
Replies: 8
Views: 645

Re: 401k Questions (Fees, Funds without Ticker Symbols)?

Oh wow - thanks LadyGeek, it looks like those pages are going to be hugely helpful! Thank you! :) And to clarify, I *am* already in my 401k. And, it's doing pretty well (although it's ALLin stock funds, divided between an S&P 500, an S&P 500 completion, and international). I set it up based ...
by jendoe
Mon Jul 15, 2013 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Questions (Fees, Funds without Ticker Symbols)?
Replies: 8
Views: 645

Re: 401k Questions (Fees, Funds without Ticker Symbols)?

Thanks, everyone! LadyGeek - thanks for getting this to the correct section (sorry about that)! And, thanks for the reassurances that looking at the index is "good enough". I assume that means that I *can* indeed use another (publically traded) fund/ETF that tracks the same index to get a ...
by jendoe
Sun Jul 14, 2013 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Questions (Fees, Funds without Ticker Symbols)?
Replies: 8
Views: 645

401k Questions (Fees, Funds without Ticker Symbols)?

Hi Bogleheads, I've just started (over the last few months) working to understand retirement investing, to clean up my accounts, and to create an asset allocation for myself. While doing this, I'm spending alot of time researching the various options in my current 401k. I'm still VERY much a novice,...
by jendoe
Sun Jul 14, 2013 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Questions (Fees, Funds without Ticker Symbols)?
Replies: 8
Views: 645

Re: Suggestions for the Wiki

Hi, You are correct, they were transposed. I fixed it: Fidelity Funds can be compared by the fund's composition and its tracking benchmark. In this case, ...<snipped> Beginner? Don't let that stop you from asking questions - it's how we learn. You'd be surprised how many "experts" miss th...
by jendoe
Fri Jun 14, 2013 9:21 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 245
Views: 65460

Re: Suggestions for the Wiki

Hello, There's some content on the wiki that I *think* might be shuffled a little bit (a table where I suspect two cells should be flipped). I'm a beginner, so I'm still figuring this stuff out (*thank you* for all the incredible information posted here, it's a huge help!). In the Fidelity page ( ht...
by jendoe
Wed Jun 12, 2013 10:19 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 245
Views: 65460

Re: Do you think Daylight Saving Time is useful to people?

I voted no, but I live in the south... I don't know if my opinion would differ if I lived further north, where there's less light in the winter and you need to make the most of it. That aside, I do think that messing around with people's sleep patterns is not a good, healthy thing to do. I thought I...
by jendoe
Sat Mar 09, 2013 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Do you think Daylight Saving Time is useful to people?
Replies: 30
Views: 895

Re: Getting pricing for medical procedures in advance

I want to add an "enthusiastic yes!" to the comments in this thread :P It is incredibly frustrating. I remember when everyone started switching to the high deductible plans. I remember constantly hearing how great it was going to be, because "consumers will take charge of their care, ...
by jendoe
Wed Aug 08, 2012 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Getting pricing for medical procedures in advance
Replies: 66
Views: 4988

Re: Rent checks getting "lost" in mail, lazy landlords

Hi Claude, It's weird, I just (last week!) had to deal with a paper check issued by my credit union's billpay that never made it through either. Like others, my credit union offered to handle it by cancelling/stopping the check and re-issuing it for free. (They didn't mention late fees, but luckily ...
by jendoe
Mon Jul 30, 2012 10:16 am
 
Forum: Personal Consumer Issues
Topic: Rent checks getting "lost" in mail, lazy landlords
Replies: 51
Views: 4508

Re: Self-defeating survey

"After ten minutes of questions..." Oh yikes, that's terrible! That's way too long... I'm surprised their survey people don't know better! A few years ago, I did a survey for the very nice, helpful, local bug company that I use. It was quick, easy, and online. Except... I mentioned that I ...
by jendoe
Sat Jul 07, 2012 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Self-defeating survey
Replies: 11
Views: 1288

Re: sending info via email for mortgage application

You could also try hushmail (hushmail.com). They offer free encrypted email services, though I think your agent also needs to sign up for a free account to receive the emails. I used them years ago (free account), and they worked well. They also have paid accounts, of course, with more features and ...
by jendoe
Wed Jul 04, 2012 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: sending info via email for mortgage application
Replies: 13
Views: 1349

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