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Re: Do you travel with friends?

I always travel with my best friend. How she has put up with me for 38 years of marriage I have no idea? :oops: ..but I have been truly blessed!
by jvclark02
Thu Dec 18, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Do you travel with friends?
Replies: 40
Views: 2416

Re: What do you splurge on?

Fishing/catching can be costly. Took a salmon fishing trip to Langara Islands in northern BC and I think the cost worked out to about $300 per pound of fish. :oops: :sharebeer
by jvclark02
Thu Dec 18, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 231
Views: 19458

Re: Thank you, Taylor...

I too have benefited from Taylor's 'gentle' guidance, and I was also very fortunate to meet and talk with him at BH13. I recently retired for the third time and with my ever growing three fund portfolio (+ reits), I am now faced with learning to spend more.....a nice situation to be in :oops: Thank ...
by jvclark02
Sat Dec 06, 2014 8:35 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 2162

Re: Following your IPS

It's pretty easy for me because I'm the one that wrote it. Not sure why you are arguing with yourself? :oops:
by jvclark02
Mon Dec 01, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Following your IPS
Replies: 5
Views: 821

Re: AA and Pension?

I take my military and business pensions into consideration when determining my asset allocation, but I do not formally treat them as bonds. At age 67 I am now 60/40 and may go back to 70/30 when I start taking SS at 70. I have no debt, and my pensions cover all my needs and many of my wants, so as ...
by jvclark02
Sun Nov 30, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: AA and Pension?
Replies: 31
Views: 2811

Re: Honor Societies (any point?)

Thank you for your service!

I am retired military and have been there and done that....IMHO not worth it :oops:
by jvclark02
Wed Nov 26, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Honor Societies (any point?)
Replies: 35
Views: 2297

Re: Garden questions - the final call

My small garden is dedicated to asparagus. Cut it or mow it, fall or winter, it just doesn't seem to care. My first garden area became my RV site so I covered the asparagus with gravel and parked my RV tires on it. Next spring it pushed the gravel up and sprouted around the tires. Kind of reminds me...
by jvclark02
Wed Nov 12, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Garden questions - the final call
Replies: 7
Views: 928

Re: Biggest discretionary expense in retirement?

International travel

Followed by:
Home improvement
Domestic travel
Car replacement
by jvclark02
Mon Sep 22, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 29
Views: 3114

Re: how to prevent medical expense catastrophe?

I wonder if during signing the medical authorization that an exception could be added (hand written) for; no additional payments for the use of 'assistant surgeons' except for emergencies? Paying an 'assistant' $40,000 to $117,000 per hour I find repugnant, and goes to show how out of control our me...
by jvclark02
Sun Sep 21, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 8235

Re: iOS 8 update available today

Just traded in my wife's Verizon 4s for an iPhone 6 on-line - $200 trade-in credit for a $199 phone. I added a $99 upgrade to the 64GB version given I had to delete some pictures on my 5S in order to download iOS 8 @ 5+ GB
by jvclark02
Sun Sep 21, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 6038

Re: iOS 8 update available today

I think it’s pretty crummy that a phone that was considered Apple's premier phone for most of 2011 (the iPhone 4) is now no longer able to be kept up to date with security fixes. Nice 3 year life span there. For those who don’t know, iOS 8 is not compatible with the 4. What are the "security f...
by jvclark02
Sun Sep 21, 2014 8:04 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 6038

Re: When did you feel "Out of the Woods"?

cfs wrote:Upon retirement.

Actually, not long ago, when I officially retired from the workforce in May 2014 and now I have a Saturday mentality, today is Saturday, tomorrow is Saturday, the day after tomorrow is Saturday.


+1
by jvclark02
Sat Sep 20, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you feel "Out of the Woods"?
Replies: 42
Views: 5518

Re: Am I being scammed? Wolf range hood, defective delivery

The missing plastic covering on the stainless front suggests this may have been a factory return. In my experience with high end stainless it always comes with protective plastic that is not removed until actual installation. Take pictures and set up an appointment date and time with the dealer. If ...
by jvclark02
Sat Sep 20, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 1917

Re: We have a grocery problem... [Household budget]

Two retired seniors living in rural mid-west, so most food and sundries (paper products, cleaning supplies, vitamins etc.) are purchased together at WalMart or Harps. I budget $900 per month for this and DW stays pretty close to that. At the risk of going hungry, I damn sure keep my mouth shut whene...
by jvclark02
Sat Sep 20, 2014 8:09 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11380

Re: ugh, redecking a dock

My dock is steel, encapsulated foam, and wood-like composite decking(Trex).

12 years of use and still looking good, albeit I am in the process of painting the exposed steel. The wood-like gray composite deck has faded just a little, but who knows what 'shades-of-gray' it was when it was new. :oops:
by jvclark02
Sat Sep 20, 2014 7:46 am
 
Forum: Personal Consumer Issues
Topic: ugh, redecking a dock
Replies: 11
Views: 3215

Re: Slow iPad mini with iOS 8 upgrade

iPad Air seems faster after upload
by jvclark02
Sat Sep 20, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: Slow iPad mini with iOS 8 upgrade
Replies: 10
Views: 1677

Re: What Movie Have You [Recently] Watched?

wilpat wrote:The most recent movie I saw (in a theater) was Blazing Saddles in 1977.


OMG....you just took away my bragging rights :oops:
by jvclark02
Thu Sep 18, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 254
Views: 27158

Re: Retiree Poll: Do you own your primary residence?

I assume you meant by 'own' that it is mortgage free ownership versus the 'bank owning' your home? :oops:
by jvclark02
Sat Sep 13, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1655

Re: New Roof Needed Soon... Advice?

What about the noise? It's similar to washing your car and hitting it with the hose full on. It's much less force, but there's a lot of roof area. I'll bet it's really loud in a downpour. Actually, my metal roof is very quiet in a downpour. I chose to leave the old shingles on the roof and ran purl...
by jvclark02
Sat Sep 13, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3085

Re: Advice for a Vanguard 401(k) plan?

When our company changed from John Hancock to Vanguard last winter we chose to pay the extra fee to have a Vanguard representative come in and brief the employees on indexing and fund selecting. We also included some 'active funds' for those who like to 'gamble' or 'pay-more-for-less'. :oops:

John
by jvclark02
Thu Sep 11, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for a Vanguard 401(k) plan?
Replies: 5
Views: 406

Re: New Roof Needed Soon... Advice?

If you plan on keeping the house I recommend a high quality metal roof. I chose the heaviest gauge available because of lake front high wind and hail exposure. Zero problems! Had a hail storm come through with baseball size hail that played hell on the surrounding shingled houses. I'm in the mid-wes...
by jvclark02
Thu Sep 11, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3085

Re: Roll Call for the Retirement Class of 2014!

Three months into retirement and so far it's like everyday is Saturday; I get up when I want, do pretty much whatever I want, whenever I want. One cool difference is my go-to-town 'Saturday's' are now usually mid-week when there are few lines and parking spaces are abundant. My past Boglehead's savi...
by jvclark02
Wed Sep 10, 2014 2:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 251
Views: 24817

Re: What should be Shredded

To get rid of the initial backlog, I used our fireplace to burn the stuff, but now we shred as we go and no problem with keeping up.
by jvclark02
Wed Sep 10, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1487

Re: What should be Shredded

In our household any paper work with name and address combined with account numbers, social security number, driver's license, etc. plus any thing personal in nature such as prescriptions, medical information, account balances, etc. are shredded. We purchased a fairly high end shredder that accepts ...
by jvclark02
Wed Sep 10, 2014 7:24 am
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1487

Re: Univ of Chicago [Active Manager Luck vs. Skill] Lubos Pa

Thanks Larry-

I find it interesting that new inexperience managers were doing the best....perhaps that helps explain how Orlando, the cat, and his new found skills, did so well? :oops:

Skill no.....luck yes
by jvclark02
Tue Sep 02, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Univ of Chicago [Active Manager Luck vs. Skill] Lubos Pastor
Replies: 7
Views: 939

Re: LED recessed lighting question

Lowe's and HD offer retrofit light cans that you can install from below after cutting the necessary can hole in the ceiling. I had some cases where attic access was too difficult due to rafter clearance issues and my 'old-bones' , so I fed the Romex wiring from below until it was near an easy place ...
by jvclark02
Mon Sep 01, 2014 7:15 am
 
Forum: Personal Consumer Issues
Topic: LED recessed lighting question
Replies: 13
Views: 1291

Re: Which generator do you have?

Generac 14k - natural gas. Home appliances are all natural gas so didn't need a 20kw unit. Zero dollar on the install as I did it myself. FWIW- I think changing oil and filters twice a year is a waste of money unless you live in a perpetual dusty area, and run the unit every week. When I'm staying a...
by jvclark02
Sun Aug 31, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 9347

Re: Catastrophe Brewing - Longevity

Thanks Alan.

If the article is correct, and new 2015 longevity tables will show that the 'average' 65 year old will live to age 87.7, then waiting until 70 to draw Social Security becomes almost a no-brainer for most of us.

John
by jvclark02
Tue Aug 26, 2014 8:40 am
 
Forum: Investing - Theory, News & General
Topic: Catastrophe Brewing - Longevity
Replies: 12
Views: 2584

Re: POLL: Age for Collecting Social Security Benefits

"I am surprised that fewer than 60% of people here(*) have responded with 70. I expected the percentage to be in high 80s. I do understand about health reasons for claiming earlier, but I don't think they apply to over 40% of Bogleheads." Victoria Yes, but over 70% of Boglehead's are at l...
by jvclark02
Mon Aug 25, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 8071

Re: About to Order my first Mini Cooper S

My better half loves her laser blue Mini Cooper S with six speed manual. The smile on her face far exceeds any concerns over manual versus automatic resale value. Life is short..........enjoy it while you can :oops:
by jvclark02
Tue Aug 19, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: About to Order my first Mini Cooper S
Replies: 19
Views: 1313

Re: [Poll] How I Feel When I Think about Investing, etc.

If I had taken this poll three or four years ago, before I discovered passive investing and Bogleheads, then my answer would have been "Generally increases my stress levels and I do not enjoy it". Back then, I found investing stressful and full of anxiety because I didn't quite know what ...
by jvclark02
Fri Aug 15, 2014 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2480

Re: The Three Fund Portfolio

Excellent!
by jvclark02
Thu Aug 14, 2014 3:58 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 968
Views: 410426

Re: The Worst Investment You Can Make: Buying a Home

Perhaps investing with Bernie Madoff might have been a 'worst investment'? :oops:
by jvclark02
Sat Aug 09, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16952

Re: Insulation Question

For those with recessed ceiling lights (cans) that are vented into the attic, I discovered a nifty trick to reduce loss of conditioned air, and reduce interior heat generation without having to climb into the attic. Lowe's, and I'm sure many others, sell an attractive LED conversion bulb that covers...
by jvclark02
Sat Aug 09, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Insulation Question
Replies: 25
Views: 2174

Re: Best websites to buy quality meat for grilling?

Perini Ranch Store has always been good with their shipments
by jvclark02
Sat Aug 09, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Best websites to buy quality meat for grilling?
Replies: 22
Views: 2789

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

"this is a buy and hold forum"? Since when did the the Boglehead's forum become a 'buy-and-hold' forum? Having graduated with a PhD from the school-of-hard-knocks, I have experienced the best and the worst of market timing, puts-and-calls, and high fees. John Bogle and Taylor Larimore con...
by jvclark02
Fri Aug 08, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4823

Re: your eye doctor; your eyes....

Disclaimer: I do not respond to personal messages relating to medical advice. You should contact your doctor if you have any questions/concerns. That being said, this is my way of "giving back" to the Boglehead community: Ophthalmologists (MD) go to medical school for 4 years, complete 1 ...
by jvclark02
Thu Aug 07, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: your eye doctor; your eyes....
Replies: 41
Views: 3439

Re: Water filtration system

Recent studies indicate combining activated carbon filtration with membrane filtration will remove a significant number of toxins, including toxins from blue-green algae. I suggest contacting Everpure filter systems for verification. I have used the Everpure H-1200 two-part system with good results ...
by jvclark02
Thu Aug 07, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: Water filtration system
Replies: 2
Views: 295

Re: Who or what inspired you and your investing approach?

The Boglehead's forum, Taylor Larimore, John Bogle, along with many BH forum contributor's.

John Clark
by jvclark02
Wed Aug 06, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4781

Re: Summer indoor humidity levels

We noticed a small increase in home humidity when we replaced our 20 years old A/C system with a new high efficiency unit. The new heat pump has shorter run cycles, and IMHO, I think that is what is causing a small increase in our home humidity. FWIW- We own a 2200 sf house in northeast Oklahoma wit...
by jvclark02
Wed Aug 06, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Summer indoor humidity levels
Replies: 18
Views: 1401

Re: How much energy does water heater use when I'm not home?

Household circuit breakers have two functions; one is to interrupt power when current flow is excessive, while the second is to provide a control switch to remove power from the circuit for repairs or servicing. Most RV'ers turn off their shore power circuit breaker before unplugging their RV. As a ...
by jvclark02
Sat Jul 19, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2882

Re: If you own a car, do you have a car payment?

I chose to pay the zero interest loan monthly and set the full payoff balance aside in an interest bearing account :oops:
by jvclark02
Fri Jul 18, 2014 6:30 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7762

Re: It is time to retire when you .......

When investable assets will provide twice current LBYM spending level, and I grow bored with my well paying job

.................oh wait.........that happened this month so I retired :oops:
by jvclark02
Fri Jun 20, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 10309

Re: Roll Call for the Retirement Class of 2014!

Maybe 'third time is a charm' ?

Retired for third time on 06/06/2014 at 67 :oops:

John
by jvclark02
Wed Jun 11, 2014 5:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 251
Views: 24817

Re: what is the hardest financial decision?

When to leave a great paying job that I enjoy for retirement. Pulled the rip cord Wednesday at 67, and time will tell :oops:
by jvclark02
Sat May 10, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: what is the hardest financial decision?
Replies: 55
Views: 5056

Re: Are Tornado Shelters Worth the Cost?

I live in Northeast Oklahoma and after witnessing the destruction of Joplin Mo, we had an underground shelter installed in our garage. in the past when warning sirens would blow our only refuge was an internal bathroom. Just knowing I have a place for us and our neighbors to seek refuge was worth th...
by jvclark02
Sat May 10, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Are Tornado Shelters Worth the Cost?
Replies: 52
Views: 3910

Re: RETIRING May 31! Any advice .....?

Retirement is good. I'm flying at 40k feet en route to San Francisco to catch a flight to China and a cruise on the Yangtze River. :sharebeer
by jvclark02
Sat May 10, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8983
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