Search found 419 matches

Return to advanced search

Re: Getting deposed -- do I need to hire my own lawyer?

If they offer a lawyer I would take it as it is helpful to understand what to do and not do when asked questions in a depo if you have never done one before. Stuff like listening to the full question, think about the answer, and answer as succinct as possible without giving any more info. in the an...
by jvclark02
Fri Jan 16, 2015 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4513

Re: SlingTV

For those that have dumped cable TV, how do you deal with the loss of the DVR? I don't record programs, so I never really needed one. I believe I still own a vcr in the basement if I was desperate. Tivo would probably be an appropriate solution for folks who want to record a lot of over-the-air tel...
by jvclark02
Thu Jan 08, 2015 10:33 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3982

Re: Poll: Favorite Coping Strategies for Volatility

I wanted to choose 'Bogleheaded' but your 'cutesy' definition would have me considering tweaking my IPS during any volatility :oops:
by jvclark02
Thu Jan 08, 2015 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Favorite Coping Strategies for Volatility
Replies: 41
Views: 2648

Re: Is "stay the course" a commandment or a suggestion?

Goal? Recommendation? Suggestion? but definitely not a commandment e.g. from Merriam-Webster Dictionary;
com·mand·ment
noun \kə-ˈman(d)-mənt\

: an important rule given by God that tells people how to behave
by jvclark02
Mon Jan 05, 2015 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4076

Re: First Social Security Check After Turning 70

June 2014? Question is in 2015?
by jvclark02
Sun Jan 04, 2015 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: First Social Security Check After Turning 70
Replies: 6
Views: 1415

Re: Net Worth Survey, 2015 Edition

What a unique group! I was also surprised by the number of Boglehead's with doctoral or professional degrees :oops:
by jvclark02
Fri Jan 02, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21860

Re: Last year before retirement more about spending than sav

I'm not sure what is considered 'normal retirement', but I wouldn't call it a bunker mentality that two or three years before my retirement we upgraded the windows to energy savers, replaced the old shingled roof with a metal one, added a heat hump, and replaced the water heater with two high effici...
by jvclark02
Fri Jan 02, 2015 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Last year before retirement more about spending than saving?
Replies: 38
Views: 1925

Re: Post your 2015 New Year's Resolutions ITT

Stay retired- Third try :oops:

Quit checking my accounts everyday

Spend more.... DW and I have always been live-below-your-means type people, and we both are finding it hard to double our spending- a good problem to have :sharebeer
by jvclark02
Wed Dec 31, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Post your 2015 New Year's Resolutions ITT
Replies: 38
Views: 3497

Re: retirement spending covered by SS

lululu wrote:
Sidney wrote:Are you asking about now or some day?


Now, see poll title "if you are retired"


I'm retired but waiting until 70 to take SS, so I guess my only option is 'paired with no SS' :oops:
by jvclark02
Sun Dec 28, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2421

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: 53
Views: 5326

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: 237
Views: 24387

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: 2370

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: 832

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: 2871

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: 2335

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: 940

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: 3195

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: 8558

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: 6103

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: 6103

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: 5533

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: 1954

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: 11619

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: 3233

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: 1703

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: 471
Views: 55070

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: 1669

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: 3100

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: 411

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: 3100

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: 273
Views: 27616

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: 1523

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: 1523

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: 953

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: 1352

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: 9556

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: 2627

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: 8165

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: 1324

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: 2500

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: 1012
Views: 445531

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: 17083

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: 2220

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: 2801

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: 5002
Next

Return to advanced search