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Re: Central AC and Forced Hot Air Heat (Gas)

I had the same issue several years back and chose to go with a heatpump-gas combination. When outside temps drop to freezing levels, the high efficiency gas furnace kicks in. I have been very pleased with the combo :beer
by jvclark02
Thu Apr 17, 2014 8:32 am
 
Forum: Personal Consumer Issues
Topic: Central AC and Forced Hot Air Heat (Gas)
Replies: 13
Views: 710

Re: Check picture software...iPhone app

I use it for USAA and PFCU check deposits. Very simple to use and has always worked fine for me. Perhaps one more nail for the postal service casket?
by jvclark02
Tue Apr 15, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Check picture software...iPhone app
Replies: 7
Views: 578

Re: Did not have fun this year doing my taxes- TT

I was very disappointed in TT for the state portion. I finally gave up and filled out the state tax form manually :oops:
by jvclark02
Tue Apr 15, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did not have fun this year doing my taxes- TT
Replies: 40
Views: 3534

Re: Outage on 4/5/2014?

My better half liked the down-time because I completed several items on my honey-do list while experiencing BH forum withdrawals :oops:
by jvclark02
Sun Apr 06, 2014 11:35 am
 
Forum: Forum Issues and Administration
Topic: Outage on 4/5/2014?
Replies: 14
Views: 1057

Re: Laid off today... TODO list?

What a great way for the company to save a lot money, by simply firing you for theft of company property e.g. batteries and stationary. Goodbye severance package :oops:
by jvclark02
Wed Apr 02, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9519

Re: Poll: When did you retire? Would you do it all over agai

You did not allow for multiple retirements e.g in my case age 42, 53 and now at age 67 it's still TBD :oops:
by jvclark02
Sun Mar 09, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 10680

Re: You know you're a Boglehead when ...

You have just received confirmation on your reservation to attend your second Boglehead convention :sharebeer
by jvclark02
Tue Mar 04, 2014 5:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 86
Views: 5120

Re: Why do investors prefer cash dividends?

I find it more puzzling why more people don't choose indexing :oops:
by jvclark02
Tue Mar 04, 2014 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Why do investors prefer cash dividends?
Replies: 126
Views: 5554

Re: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I enjoyed reading that article and although a line in it said, "No question is considered too stupid," I'll let you decide how stupid mine is and just ask it anyway since I doubt I'm the only one thinking it... I would love to attend this conference but two things prevent me from writing ...
by jvclark02
Sun Mar 02, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 84
Views: 10840

Re: washing machine - front loader or HE top loader?

We have the Samsung HE top loader and have been very happy with it. I know a lot of people who have trouble with the front loaders, so we wanted to avoid that style. As mentioned above, we keep,the lid open when not in use and have not had any difficulties with odor or mildew. It plays music when i...
by jvclark02
Sun Mar 02, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 2756

Re: How Much of Tax Refund Do You Save/Spend..??

I honestly can't remember the last time I received a significant refund. I have considered overpaying, so I could purchase a $5K Ibond, but I just cant bring my self to give uncle Sam an interest free loan :oops:
by jvclark02
Sun Mar 02, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: How Much of Tax Refund Do You Save/Spend..??
Replies: 68
Views: 2417

Re: Credit Security Freeze

Fairly straightforward. No problems encountered. All done on line
by jvclark02
Sat Mar 01, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Security Freeze
Replies: 4
Views: 333

Re: Help, slab leak in San Diego. Ever have one?

Had a copper pipe leak in slab and replaced entire system with PEX through attic this summer. Took me four days including drywall patching. Single story with good attic access so was able to snake plastic pipe down interior walls with minimal drywall work
by jvclark02
Sat Feb 22, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Help, slab leak in San Diego. Ever have one?
Replies: 21
Views: 1900

Re: Would you invest an emergency fund?

I have never had an emergency fund because I could always access my investments if need be. I have always preferred to maximize my interest over the chance of an emergency. As a 67 year old Boglehead, with 'two-commas', and a LBYM mantra, it worked well for me. :oops:
by jvclark02
Fri Feb 21, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Would you invest an emergency fund?
Replies: 30
Views: 2141

Re: Which ed. of Ferri's AA book and WhySmrtPplMkBig$Mistake

tidalwave10 wrote:Mostly want it to grab the terrific quotes Tobias has in the book to use as inspiration and a Financial Reality Check. Loved his writing style and wisdom.


Have you read Taylor's Gems in the Wiki?
by jvclark02
Fri Feb 21, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Which ed. of Ferri's AA book and WhySmrtPplMkBig$Mistakes
Replies: 21
Views: 1476

Re: USAA Auto Insurance?

When comparing rates be sure to include the 'subscribers savings' advantage. Over the past 40 plus years with USAA, the savings have been very significant.
by jvclark02
Tue Feb 11, 2014 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 53
Views: 2985

Re: The Final, Definitive Thread on Dollar-Cost Averaging

Well done!..........................and to think my better half wonders why I spend so much time on the internet? :oops:
by jvclark02
Sun Feb 02, 2014 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Dollar-Cost Averaging
Replies: 101
Views: 5358

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Hi Taylor,

I still remember your welcoming me to the Boglehead's forum on my very first post, and then I finally had the pleasure to meet you at last years Boglehead's 13 get together.

From one old soldier to another, I salute you, and I wish you a very happy birthday.

John Clark
by jvclark02
Wed Jan 22, 2014 10:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12502

Re: BOGLE BOBBLEHEAD AUCTION

Raise it to $150
by jvclark02
Tue Jan 21, 2014 12:59 am
 
Forum: Investing - Theory, News & General
Topic: BOGLE BOBBLEHEAD AUCTION
Replies: 37
Views: 2814

Re: BOGLE BOBBLEHEAD AUCTION

$100

JC
by jvclark02
Mon Jan 20, 2014 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLE BOBBLEHEAD AUCTION
Replies: 37
Views: 2814

Re: Leaving an employer on bad terms? Deal breaker for new h

I always try to look at the 'total' person when hiring. Perfect records tend to concern me, as I have never met/seen a perfect person, including the one I often see in the mirror. If in doubt, agree to a probation period to insure the person 'fits-in'.
by jvclark02
Mon Jan 13, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving an employer on bad terms? Deal breaker for new hire?
Replies: 32
Views: 2430

Re: How much did your credit card rewards cost you in 2013?

The number one use of my 'free' credit card is purchasing gas for which I get a 5% cash back. I never pay interest on credit cards. I did pay an annual fee for an airline card for $300 worth of airline miles, which I used and then canceled the card. I also paid for a cash back card, that once you sp...
by jvclark02
Sat Jan 04, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 6056

Re: Enough already!!

Pundits insisting that if indexing becomes popular it will destroy the market :oops:

Intense dissecting of simple math problems :confused
by jvclark02
Tue Dec 31, 2013 11:39 am
 
Forum: Forum Issues and Administration
Topic: Enough already!!
Replies: 21
Views: 2371

Re: Cash in Your Wallet

I wonder how many people with a stash in the house that is never used for several years end up forgetting about it. :) :oops: in the process of preparing a work area for a cable-guy to add a router inside a kitchen cabinet, we found some Kruggarands in a decorative bowel we placed on an over head s...
by jvclark02
Sun Dec 29, 2013 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Cash in Your Wallet
Replies: 93
Views: 4110

Re: iPad Air info please

FWIW- If you find yourself in a 'wifi-poor' area, you can use your iPhone as a hot spot
by jvclark02
Thu Dec 26, 2013 7:00 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air info please
Replies: 35
Views: 1953

Re: Shocking Furnace Replacement Cost

Have you tried getting an estimate from a Lowe's or Home Depot contractor?
by jvclark02
Thu Dec 26, 2013 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Shocking Furnace Replacement Cost
Replies: 21
Views: 2239

Re: have index funds become too popular?

Not only "interesting" but 'humorous' :oops:

jc
by jvclark02
Thu Dec 26, 2013 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: have index funds become too popular?
Replies: 11
Views: 1653

Re: Gas mileage quiz

:oops: Where else but the Boglehead's could you have such a simple question involve such intense dissection?
jc
by jvclark02
Mon Dec 23, 2013 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Gas mileage quiz
Replies: 57
Views: 2755

Re: Financial 'Regrets' for 2013

No regrets, followed my IPS and very satisfied with my progress.

jc
by jvclark02
Mon Dec 23, 2013 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial 'Regrets' for 2013
Replies: 60
Views: 4590

Re: 401k vs. IRA

I also think it unlikely that you will be able to roll your 401(k) to an IRA until you cease employment with your current employer. I think it makes lots of sense to invest your first dollars in a low-cost IRA up to the IRA maximum. Then any additional dollars would go into your 401(k). FWIW- I sta...
by jvclark02
Sun Dec 22, 2013 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k vs. IRA
Replies: 4
Views: 438

Re: Home is a Consumption Item, Not an Investment

Some investments are liquid and others are not. You can rebalance with liquid investments but not illiquid ones (timber say), but they are both investments. So the fact that you can't rebalance a house is neither here or there. Today I hypothetically could have $600,000 in cash and no place to live...
by jvclark02
Tue Dec 17, 2013 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Home is a Consumption Item, Not an Investment
Replies: 111
Views: 9867

Employer moving 401k to Vanguard

We are moving from a relatively high cost insurance company based 401k plan, to Vanguard Group, in the next few months. Current provider offers 35 plus active funds (100+ basis points ER), and we want to reduce our active offerings to five or six lower cost funds. We will also offer an assortment of...
by jvclark02
Mon Dec 16, 2013 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Employer moving 401k to Vanguard
Replies: 1
Views: 263

Re: setting up Medicare Easy Pay for part B - representative

A significant number of Boglehead's are waiting until age 70 to collect SS. I'm one them and pay my medicare every three months via credit card
by jvclark02
Tue Dec 10, 2013 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: setting up Medicare Easy Pay for part B - representative??
Replies: 12
Views: 544

Re: Social Security Question - Delaying Until 70

+1 for englishgirl. Sloan says: "Social Security doesn’t care when you begin taking your money because people getting lower payments for longer periods cost the system the same as people getting highers payment for shorter periods." That was true a few decades ago, but now "Social Se...
by jvclark02
Tue Dec 10, 2013 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Question - Delaying Until 70
Replies: 29
Views: 1746

Re: Are we watching a text book bubble with bitcoins?

My bet is Mr Ponzi and Mr. Madoff are laughing their butts off :oops: .
by jvclark02
Mon Dec 09, 2013 10:40 am
 
Forum: Investing - Theory, News & General
Topic: Are we watching a text book bubble with bitcoins?
Replies: 28
Views: 1921

Re: Stock investing and the fear of flying

How many times have we heard on the 24/7 news and financial channels: "But this time is different' ? ..... or" the sky is falling"...... A few minutes watching National Geographic's 'Doomsday Preppers" can provide some interesting insight on how some people think about long term ...
by jvclark02
Wed Dec 04, 2013 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Stock investing and the fear of flying
Replies: 57
Views: 3045

Re: Thank you moderators, site administrators

My sincere thanks to all our moderators and site administrators. It's a thankless job with very low pay ( i.e. zero), but this board could not survive without them. Whether it's basketball, baseball, football, or just driving down the highway, we seem to always need someone to referee/umpire/police ...
by jvclark02
Mon Dec 02, 2013 4:01 pm
 
Forum: Forum Issues and Administration
Topic: Thank you moderators, site administrators
Replies: 32
Views: 1757

Re: Investing (not speculating) in Bitcoin

Is Bitcoin the ultimate Ponzi scheme? Interesting thread below

http://www.garynorth.com/public/11828.cfm
by jvclark02
Mon Dec 02, 2013 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Investing (not speculating) in Bitcoin
Replies: 119
Views: 8683

Re: 2013 BOGLEHEAD CONTEST. One month to go. Lesson learned.

Seems that Mel and nisiprius have pretty well it bracketed it i.e. 1313 vs 2579

Come on nisiprius! :sharebeer
by jvclark02
Sun Dec 01, 2013 11:27 am
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST. One month to go. Lesson learned.
Replies: 20
Views: 1727

Re: Experts and Bogleheadism

You are making some good points, with which I agree. I, too, was reading threads with laments about the contradictory signals coming from Bill, Jack, Malkiel, and others, and was wondering why people take this guidance so seriously. I came to some conclusions as follows. Victoria My impression at t...
by jvclark02
Sun Dec 01, 2013 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Experts and Bogleheadism
Replies: 33
Views: 1788

Re: Buying/installing a new Washer & Dryer set.

I'm curious as to whether your present setup is a front load? I just purchased a new set and chose to go with a top load washer based on various consumer reports of odor issues with front loader machines. Most frequent comment was that the front door must be left open after use to allow evaporation ...
by jvclark02
Sat Nov 23, 2013 11:34 am
 
Forum: Personal Consumer Issues
Topic: Buying/installing a new Washer & Dryer set.
Replies: 10
Views: 798

Re: Poll: House value as % of assets when mortgage paid off.

I suspect one might have a challenge convincing a judge or divorce lawyer that a home without a mortgage is not an asset? :oops:
by jvclark02
Sat Nov 23, 2013 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: House value as % of assets when mortgage paid off.
Replies: 41
Views: 2846

Re: "More buyers than sellers" not so dumb

So I think it's really a matter of eagerness or reluctance to own a particular stock that results in modest adjustments to bid/ask prices, resulting in a gradual ramping up or down in that stock's price. So how do we reduce that mechanism to a Short & Snappy Phrase??? Alice and Brad are about t...
by jvclark02
Sat Nov 23, 2013 9:37 am
 
Forum: Investing - Theory, News & General
Topic: "More buyers than sellers" not so dumb
Replies: 17
Views: 1439

Re: Phone Etiquette

We get so many telemarketing calls. The do not call registry does not work very well. We let voice mail pickup if we don't recognize the call on our caller ID. Many are marked unavailable or have strange area codes. Most hangup with out leaving a message. If it is important, they will leave a messa...
by jvclark02
Fri Nov 22, 2013 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Phone Etiquette
Replies: 38
Views: 3095

Re: Mailed in my pay off for my home today!

Congratulations! It's a pretty cool feeling. :beer
by jvclark02
Fri Nov 22, 2013 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mailed in my pay off for my home today!
Replies: 26
Views: 2184

Re: Tractor for my 12 Acre Horse Farm

I really enjoy my Kubota Grand L4240 with front end loader, air conditioned cab, and hydrostatic drive (HST+). From a profit/loss standpoint its probably a significant waste of money, especially given I spend more time helping others than helping myself. But you know, life is short and I find myself...
by jvclark02
Mon Nov 18, 2013 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Tractor for my 12 Acre Horse Farm
Replies: 28
Views: 2162

Re: Motley Fool: Jack Bogle Answers Your Questions

Excellent interview. Thanks for the posting
by jvclark02
Sun Nov 17, 2013 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Motley Fool: Jack Bogle Answers Your Questions
Replies: 26
Views: 3573

Re: Mini Cooper or Fiat 500?

My better half really likes her Mini S, even let's me drive it...........once in a while :(
by jvclark02
Sat Nov 09, 2013 9:12 am
 
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 3813

Re: How much storage space do you have?

Way too much :oops: ..............His and her double car garages and a 40'x40' shed
by jvclark02
Sun Oct 27, 2013 1:20 pm
 
Forum: Personal Consumer Issues
Topic: How much storage space do you have?
Replies: 18
Views: 2140

Re: 2 good yrs in new biz & I/we want a house on the lake?

Do you think it is wise to buy a $850,000 home in a $280,000 neighborhood? Neighborhood prices don't mean a lot when comparing with a lake front home. My lake frontage home appraised at three times the local neighborhood prices, yet my square footage was not significantly different than those with ...
by jvclark02
Sun Oct 27, 2013 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 good yrs in new biz & I/we want a house on the lake?
Replies: 9
Views: 1158
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