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Re: New Identity Theft Scam

I have always wondered why these scammers use poor English and those sentences in all CAPS is just annoying. MS Word or even Open Office can do some basic spelling and grammar check ! :happy
by jupiter_man
Tue May 06, 2014 7:00 am
 
Forum: Personal Consumer Issues
Topic: New Identity Theft Scam
Replies: 20
Views: 2629

Re: Maintenance $$'s spent over the lifetime on your Car

Thanks everybody. Here is the breakup of what I have spent First 5 Years : $2,300 (0 - 50k Miles) Only had one Car 5 - 10 Years : $3,700 (50K - 90K Miles) (Timing Belt/Water Pump , new Tiers,etc ) Bought a Van for Spouse as a second vehicle, and use that for Vacation Trips etc 10 -14+(now) : $1,700 ...
by jupiter_man
Tue Apr 01, 2014 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Maintenance $$'s spent over the lifetime on your Car
Replies: 38
Views: 3061

Re: Best ways to show daily news to 9 year old

I see the "Nightly News with Brian Williams" everyday at 7pm on NBC and I want my daughter to join me so that she can also get an update on what's happening around the world. But the advertisements in the middle of the news(like "Cialis") are age inappropriate and I wish this ki...
by jupiter_man
Tue Apr 01, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 2242

Maintenance $$'s spent over the lifetime on your Car

I have a 14 Year old Car, and I have maintained all the servicing records and money spent over the years on the car. Yesterday I calculated that it cost me $550/Year over the last 14 years for the Service (Oils Change, Filter, Tires, Battery, Timing Belt - which was expensive etc) . Spouse says to g...
by jupiter_man
Tue Apr 01, 2014 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Maintenance $$'s spent over the lifetime on your Car
Replies: 38
Views: 3061

Re: Purchasing New Tires for Car and Need Suggestions

+ on Purchasing from Costco.

Recently got Michelins from Costco for my Car. They fill in Nitrogen , but I have not done any research on the value of Nitrogen over regular Air. The BF Goodrich were about $15 - $20 cheaper , so that will also work.
by jupiter_man
Tue Apr 01, 2014 8:30 am
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2978

Anybody rethinking the AA because of the UN Climate Report

http://www.theguardian.com/environment/2014/mar/31/climate-change-threat-food-security-humankind http://www.nytimes.com/2014/03/31/science/earth/panels-warning-on-climate-risk-worst-is-yet-to-come.html?src=rechp Anybody rethinking their Asset Allocation mix (Stocks , Bonds etc) because of these rece...
by jupiter_man
Tue Apr 01, 2014 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Anybody rethinking the AA because of the UN Climate Report
Replies: 3
Views: 519

Re: Need advice: Lost lot of money in trading.

OK BUDDY! I retract my previous statement, you need to get out and not buy any stocks at all. At double the current market cap NIHD would still be buying almost pure debt (or the debt of the debt!). You did no research on this or completely flawed research that would indicate that you just gambled ...
by jupiter_man
Sat Mar 15, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice: Lost lot of money in trading.
Replies: 65
Views: 6344

Re: Switching from Full-Time Career to Contractor - Pros/Con

You need to go a minimum 30% - 40% above your current salary - so go for at least $85/hr. Try to shoot for $90/hr.
by jupiter_man
Wed Mar 05, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching from Full-Time Career to Contractor - Pros/Cons?
Replies: 14
Views: 863

Re: Best Non-Stick Pan or Skillet

Thank you for the great suggestions and recommendations :happy
by jupiter_man
Mon Feb 17, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: Best Non-Stick Pan or Skillet
Replies: 52
Views: 6828

Re: fluorescent tube light bulbs

A couple of at least ten year old fluorescent light bulbs in the garage need replacing. They're marked Econ-O-Watt Rapid Start Only F40D/RS/EW-B 40 watt. So I've been grubbing around the Lowe's website, and it's not clear to me if the "lamp shape," i.e. T8, T12, etc. matters. I found on t...
by jupiter_man
Sun Feb 16, 2014 1:29 am
 
Forum: Personal Consumer Issues
Topic: fluorescent tube light bulbs
Replies: 12
Views: 1498

Re: Reasons why you're choosing your tax software this year

dewey wrote:Turbo-Tax via Vanguard


+1
by jupiter_man
Sun Feb 16, 2014 1:24 am
 
Forum: Personal Consumer Issues
Topic: Reasons why you're choosing your tax software this year
Replies: 39
Views: 2021

Re: best tips for passwords?

Length.
Use a long phrase at the end. e.g. BASE+SITE+Common-Phrase

BASE is same for all sites - this could be your fav complex key
SITE - this changes based on site - fidelity , vanguard etc
Common-Phrase - a long line e.g. ilikegoingtothegym or myfirstcarwasanissan
by jupiter_man
Sun Feb 16, 2014 1:20 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10878

Re: Postage paid envelopes

I'm still old-fashioned, and snail mail a check to Vanguard to add investment.. Recently I asked for a few new postage paid envelopes. Today I got paid Fedex Extremely Urgent envelopes. Is this the perk for being a flagship account? :D If you are using the postage paid to add $50K+ good for all of ...
by jupiter_man
Sun Feb 16, 2014 1:13 am
 
Forum: Personal Consumer Issues
Topic: Postage paid envelopes
Replies: 49
Views: 3136

Re: Getting Best Price for a Prescription Drug

http://www.nytimes.com/2014/02/15/world ... ealth&_r=0

How do you know if the cheaper generics or for that matter any prescription drugs are from Asia ?
by jupiter_man
Sun Feb 16, 2014 1:08 am
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 5773

Re: Dual Income Family Emergency Fund Help

Hi, …. but its very stable right now. … As you said your job is very stable , so add to the 2013 Roth , please don't cut the 401K , continue to max it if you can. Day Care expense tends to gets cheaper when kids are older in K+, so your Day Care expense should start to reduce soon, please check and...
by jupiter_man
Sun Feb 16, 2014 12:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Dual Income Family Emergency Fund Help
Replies: 11
Views: 1377

Re: taxes done and…why is my spouse working?

Spouse works for social interaction and has flexibility to work from home at least once a week, remember that in 10 or years when the kids are in High School or College, there may not be much to do at home all day. We keep our expenses within a single income , so that we have flexibility in case spo...
by jupiter_man
Sun Feb 16, 2014 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: taxes done and…why is my spouse working?
Replies: 90
Views: 9173

Best Non-Stick Pan or Skillet

Any recommendations for a non stick pan or skillet ? We are trying to reduce the quantity of oil we use in cooking, we were using a Teflon coated T-Fal product but that has started to peel so we are looking for a replacement. A quick amazon search turned up Ozeri Green Earth Textured Ceramic Pan htt...
by jupiter_man
Sun Feb 16, 2014 12:34 am
 
Forum: Personal Consumer Issues
Topic: Best Non-Stick Pan or Skillet
Replies: 52
Views: 6828

Will spouse have to pay Income Tax on Insurance

I have a 20 year Term Life for $1M, will my spouse have to pay income tax on these proceeds of this life insurance. My calculation for the $1M policy was that it will be income tax free, if spouse has to pay 35% Federal tax rate + State Tax 6% then I will have to increase it to $1.5M to cover for th...
by jupiter_man
Mon Feb 10, 2014 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will spouse have to pay Income Tax on Insurance
Replies: 1
Views: 302

Re: Keeping internet provider without price hikes

This afternoon I just switched from Verizon Fios to Cablevision/Optimum on Line. My comments below might be the same if I had switched the other way. I just exchanged 3 year old equipment for brand new. In the case of the WiFi, the upgrade gave me much better service. Companies do not want to upgra...
by jupiter_man
Tue Feb 04, 2014 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Keeping internet provider without price hikes
Replies: 53
Views: 4562

Re: Entry level DSLR recommendations

Fellow bogleheads, The wife has put in a request for a new DSLR. Entry level is fine, refurbished is ok too. Budget is approximately $400 (would prefer 18-55 lens included with the body). I have been doing my homework and found this deal for $339 http://www.bhphotovideo.com/c/product/827671-REF/Can...
by jupiter_man
Tue Nov 19, 2013 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Entry level DSLR recommendations
Replies: 19
Views: 1578

Re: VA529 NAV of Total Stock Different from Vanguard Ticker

Thanks "G-Money" and "sscritic" for the explanation.
by jupiter_man
Sat Nov 16, 2013 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: VA529 NAV of Total Stock Different from Vanguard Ticker
Replies: 3
Views: 252

VA529 NAV of Total Stock Different from Vanguard Ticker

Had a general question on the VA 529's VEST: VA VEST Total Stock Market Index Portfolio is the "Vanguard Total Stock Market Index Fund – VITSX" . http://www.virginia529.com/invest/performance/vsmi/index.php shows the price is about $17.40. However according to Vanguard's site the price for...
by jupiter_man
Sat Nov 16, 2013 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: VA529 NAV of Total Stock Different from Vanguard Ticker
Replies: 3
Views: 252

Re: AAPL

I feel happy when AAPL goes up as I own them in the Total Index. I feel indifferent when AAPL goes down as I own thousands of other companies as part of the Total index. To be honest, sometimes work is so busy these days, I don't even get to see the business news all day. Only when I come home and h...
by jupiter_man
Mon Oct 28, 2013 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 167
Views: 36775

Re: VZ FIOS knows your personal WiFi Password !!!

Did you change the default router password like VZ recommends? http://www.verizon.com/support/residential/internet/fiosinternet/networking/setup/security/128291.htm Correct Ged, I am not using the Default SSID / Default password that is printed on the Wireless Router. I am using my own SSID Name an...
by jupiter_man
Sun Aug 18, 2013 7:40 pm
 
Forum: Personal Consumer Issues
Topic: VZ FIOS knows your personal WiFi Password, is this normal ?
Replies: 19
Views: 1821

Re: VZ FIOS knows your personal WiFi Password !!!

That sounds pretty lame. Is this support/billing page using only HTTPS (I hope)? Your own suggestion of your own router is probably your best bet. That said, I suggest never trusting wireless even at home with a strong WPA2 passphrase for anything you want complete privacy with (IE Banking). The VZ...
by jupiter_man
Sun Aug 18, 2013 3:55 pm
 
Forum: Personal Consumer Issues
Topic: VZ FIOS knows your personal WiFi Password, is this normal ?
Replies: 19
Views: 1821

VZ FIOS knows your personal WiFi Password, is this normal ?

I have VZ FIOS Internet for couple of years. I recently logged in to the online account to check my billing details (http://www.verizon.com) and I was surprised that VZ showed me my custom WiFi SSID and WPA2 Password (in clear text). The SSID Name is what I setup locally on the VZ WiFi Router, not t...
by jupiter_man
Sun Aug 18, 2013 2:16 pm
 
Forum: Personal Consumer Issues
Topic: VZ FIOS knows your personal WiFi Password, is this normal ?
Replies: 19
Views: 1821

Re: Letter from Vanguard- "householding"

I think I got this sometime back when me and my spouse were getting two letters or other mandatory Notices from VG. Basically they are asking if you would like to get a single consolidated Notices if you meet the conditions. I dont think this is merging the account statements, but SEC mandated notic...
by jupiter_man
Wed Jul 24, 2013 1:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Letter from Vanguard- "householding"
Replies: 3
Views: 1142

Re: Salary Raise - What to do?

Congrats, these days people get no raise at all, or will get something small but the company adds another 50% of the workload.
You are saving 25% for Retirement, are you able to reach the 401K IRS Limit ? if not add the 2% towards that.
by jupiter_man
Wed Jul 24, 2013 12:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Salary Raise - What to do?
Replies: 13
Views: 2272

Re: What Are You Using for Your Emergency Funds?

VMLUX: Vanguard Ltd-Term Tx-Ex Adm
by jupiter_man
Wed Jul 24, 2013 12:41 am
 
Forum: Investing - Help with Personal Investments
Topic: What Are You Using for Your Emergency Funds?
Replies: 63
Views: 4622

Re: What did Bogleheads do when the stock market crashed?

I did not have much concept of AA at that time, regardless I continued to buy Stocks in my 401K and taxable accounts. (Of course the drop in the portfolio was very hurtful) These days regardless of the Bond situation, I continue to add Short Term Bonds to my portfolio to offset the gains made in sto...
by jupiter_man
Wed Jul 24, 2013 12:37 am
 
Forum: Investing - Theory, News & General
Topic: What did Bogleheads do when the stock market crashed?
Replies: 127
Views: 80140

Re: Paper versus e-Reader

e-reader is convenient, but I do find the books to expensive as compared to the Library; but the way everything is going digital, I wonder what happens 5,000 Years from now. Someone will come across our civilization and when they dig stuff, there will no hieroglyphics, no words, no cave paintings, n...
by jupiter_man
Sun Jul 21, 2013 12:54 am
 
Forum: Personal Consumer Issues
Topic: Paper versus e-Reader
Replies: 60
Views: 4060

Re: Do the majority of people pay their Credit Card bill onl

The last bill I paid using a check was in 2003. At least before the CC Bill or other bills would come with Postage paid envelopes, I think? I pay everything online. Utilities , Water are all Auto Debit. The rest go on the CC, and the CC is NOT on ACH but I do review all charges at the end of the mon...
by jupiter_man
Sun Jul 21, 2013 12:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Do the majority of people pay their Credit Card bill online
Replies: 117
Views: 7228

Re: [Sad news - Pat Larimore]

Taylor,

Sorry for the loss. Please accept my condolences.
We've never met, but I do feel like I know you through this site and this community.
by jupiter_man
Sun Jul 21, 2013 12:31 am
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 16049

Re: Recommendation letter for someone you don't really know?

She would also like to visit the clinic where I work and follow me during a typical work day, and perhaps for a week. Please help her out, it goes a long way. My 2c based on my personal experience and the comment above. 1. She offered to work with you a week. You can judge if she is serious about t...
by jupiter_man
Sun Jul 21, 2013 12:27 am
 
Forum: Personal Consumer Issues
Topic: Recommendation letter for someone you don't really know?
Replies: 55
Views: 3585

Re: Are intermediate term interest rates CERTAIN to rise?

"Calm man" you qoute you are making a large Bond purchase.

Does it mean your current asset allocation has sigificantly deviated from your target allocation?
How much is this large Bond Fund purchase in % terms of your overall portfolio? Are you buying stocks at the same time?
by jupiter_man
Sun Jun 30, 2013 7:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Are intermediate term interest rates CERTAIN to rise?
Replies: 30
Views: 1880

Re: Do I really need a Smartphone?

Get a smartphone.
Don't get a Data Plan if you don't use apps when mobile. Use WiFi at home or other free WiFi Hotspots to download apps. Since contracts are for 2 yrs, you can always add a data plan if you find that your needs have changed.
by jupiter_man
Sat Jun 29, 2013 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Do I really need a Smartphone?
Replies: 433
Views: 27501

Re: Do you go to bogleheads.org with your smartphone?

Android OS + Dolphin Browser = works great for reading.
My phone has a slide out Physical Keypad and that's great for writting.

I use 50% of the time from the smartphone, 50% from the MAC.
by jupiter_man
Sat Jun 29, 2013 2:07 pm
 
Forum: Forum Issues and Administration
Topic: Do you go to bogleheads.org with your smartphone?
Replies: 32
Views: 2876

Re: Do I Still Need A Camcorder?

I'm a little sluggish on the technology thing, but on occasion I take video of events involving my kids (i.e. birthday parties, etc). I bought a Sony mini-DVD camcorder in 2006 and it still works well, but now I'm down to using it just a few times a year. Over the past couple of years I've joined t...
by jupiter_man
Tue May 28, 2013 12:31 am
 
Forum: Personal Consumer Issues
Topic: Do I Still Need A Camcorder?
Replies: 7
Views: 1110

Re: Tipping a hairdresser

Father + Son once a month do a simple #4 all around , cost is $24 for both, with Tip $30.
Total time on chair, 6 min or less ! :happy wait time : 30 min ! :(
by jupiter_man
Tue May 28, 2013 12:04 am
 
Forum: Personal Consumer Issues
Topic: Tipping a hairdresser
Replies: 85
Views: 6082

Re: Do you tip on take out?

Takeout - 10% or $1/person whichever is more.
by jupiter_man
Mon May 27, 2013 10:33 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on take out?
Replies: 70
Views: 5005

Re: Stopping payment on a lost check

Spouse in 2003 once mailed (USPS regular mail) a 2K Bank of America check to a company that did not reach them. I had to to put a Stop Payment on the check and Bank of America I think charged $30 (thats almost 10 years ago, don't know how much it is now). The fine print of the Stop Payment says its ...
by jupiter_man
Sun May 26, 2013 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stopping payment on a lost check
Replies: 13
Views: 2591

Re: What's the point? [job frustration]

How do you know the Clinical job is less stressful ? Dis you ask people who are in that profile ? These days everybody says their job is stressful. Take the maximum vacation your job allows and see how your Boss handles it without you ? Can you take a 4 - 6 week vacation , that will allow you to thi...
by jupiter_man
Sat May 18, 2013 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's the point? [job frustration]
Replies: 42
Views: 4415

Re: Vanguard Mobile "Portfolio Analysis" is awful

Our Vanguard portfolio watch page (from their regular web site) gives the following analysis of our stock holdings: U.S. stocks 153.30% International stocks 73.80% Other 2.30% Total 100% That strange math has been there for several days now. And the "flash charts" quit working too, Adobe ...
by jupiter_man
Sat May 18, 2013 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Mobile "Portfolio Analysis" is awful
Replies: 6
Views: 768

Re: I think I'm getting phished

I found a suspect email from Vanguard that appeared authentic in most ways. The subject line was: Updated Bank Authorization Agreement for your review. The return address was: <Vanguard@eonline.evanguard.com>. I went to Vanguard directly in my browser and there was no mention of any new messages or...
by jupiter_man
Sat May 18, 2013 9:16 pm
 
Forum: Personal Consumer Issues
Topic: I think I'm getting phished
Replies: 27
Views: 2823

Re: Buffet says no to bonds - recommends equities and cash

Due to the recent rise in stocks , my bond % was getting lower that my target allocation, i see this as a good opportunity to buy Bonds to keep up my target allocation. So for this months investment allocation I placed a order to buy V Limited Term Tax Exempt in my Taxable Account. We will see what ...
by jupiter_man
Sat May 18, 2013 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: Buffet says no to bonds - recommends equities and cash
Replies: 70
Views: 7378

Do you pay for access to www.nytimes.com ?

http://www.nytimes.com has a policy of only allowing 10 free articles, and then they have an intrusive overlay on the pages that notifies you to pay for the subscription service. The subscription rate is $15 - $35 / month . As most tech savy folks may know browsers have a process to clear the histor...
by jupiter_man
Sat May 18, 2013 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Do you pay for access to www.nytimes.com ?
Replies: 30
Views: 2742

Re: HP Laptop Battery

ebay is best for this kind of replacement.
I have replace HP and Dell Laptop Batteries from ebay, no bidding required, most do "buy it now" . Look for couple of years of warranty and anything under $40 with shipping.

Thanks.
by jupiter_man
Mon May 06, 2013 9:27 pm
 
Forum: Personal Consumer Issues
Topic: HP Laptop Battery
Replies: 13
Views: 1001

Re: [Why do posts have "[physician]" in thread title]

I appreciate LG updating the title, this has been helpful to me. This approach is similar to the Subject line of Email messages. I had rather have the main or important information in the subject line, so that I can narrow down the threads (a) where I can help (b) or where I would benefit. At work I...
by jupiter_man
Sun May 05, 2013 4:09 am
 
Forum: Forum Issues and Administration
Topic: [Why do posts have "[physician]" in thread title]
Replies: 44
Views: 4621

Re: Is it important to frequently change passwords?

I have tried many times to get someone to explain why passwords should be changed. If there's a reason nobody's ever told me what it is. The reason is: it sounds like it my be a good idea to improve IT security. In reality, it's not, but "doing something" makes it look like the IT dept is...
by jupiter_man
Sat May 04, 2013 10:36 am
 
Forum: Personal Consumer Issues
Topic: Is it important to frequently change passwords?
Replies: 37
Views: 2779
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