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Re: Biggest discretionary expense in retirement?

International travel

Followed by:
Home improvement
Domestic travel
Car replacement
by jvclark02
Mon Sep 22, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest discretionary expense in retirement?
Replies: 29
Views: 3000

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 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7854

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 11:00 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5885

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 9:04 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5885

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 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you feel "Out of the Woods"?
Replies: 42
Views: 5448

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 9:23 am
 
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 1869

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 9:09 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10857

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 8:46 am
 
Forum: Personal Consumer Issues
Topic: ugh, redecking a dock
Replies: 11
Views: 3177

Re: Slow iPad mini with iOS 8 upgrade

iPad Air seems faster after upload
by jvclark02
Sat Sep 20, 2014 8:23 am
 
Forum: Personal Consumer Issues
Topic: Slow iPad mini with iOS 8 upgrade
Replies: 10
Views: 1577

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 7:58 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 131
Views: 6655

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 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1625

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 1:33 pm
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3031

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 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for a Vanguard 401(k) plan?
Replies: 5
Views: 401

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 10:46 am
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3031

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 3:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 228
Views: 21437

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 1:35 pm
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1469

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 8:24 am
 
Forum: Personal Consumer Issues
Topic: What should be Shredded
Replies: 18
Views: 1469

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 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Univ of Chicago [Active Manager Luck vs. Skill] Lubos Pastor
Replies: 7
Views: 882

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 8:15 am
 
Forum: Personal Consumer Issues
Topic: LED recessed lighting question
Replies: 13
Views: 1219

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 10:01 am
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 8825

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 9:40 am
 
Forum: Investing - Theory, News & General
Topic: Catastrophe Brewing - Longevity
Replies: 12
Views: 2533

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 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7820

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 4:45 pm
 
Forum: Personal Consumer Issues
Topic: About to Order my first Mini Cooper S
Replies: 19
Views: 1292

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 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2443

Re: The Three Fund Portfolio

Excellent!
by jvclark02
Thu Aug 14, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 913
Views: 368473

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 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 16451

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 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Insulation Question
Replies: 25
Views: 2142

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 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Best websites to buy quality meat for grilling?
Replies: 22
Views: 2747

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 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4567

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 7:56 pm
 
Forum: Personal Consumer Issues
Topic: your eye doctor; your eyes....
Replies: 41
Views: 3383

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 10:33 am
 
Forum: Personal Consumer Issues
Topic: Water filtration system
Replies: 2
Views: 290

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 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4638

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 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Summer indoor humidity levels
Replies: 18
Views: 1224

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 8:52 am
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2829

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 7:30 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7620

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 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 10082

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 6:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 228
Views: 21437

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 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: what is the hardest financial decision?
Replies: 55
Views: 5044

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 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Are Tornado Shelters Worth the Cost?
Replies: 52
Views: 3883

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 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8857

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

Congrats to all in the class of 2014! I like this expression, "Class of 2014"! Victoria Me too. I wonder how many of Class of 2014 are going to Boglehead's 2014 :sharebeer The 2014 Bogleheads conference is called BH-13. The 2015 Bogleheads conference will be called BH-14. Which one of the...
by jvclark02
Sat May 10, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8857

Re: Happy Birthday John C Bogle

Happy birthday Jack!

I look forward to seeing you again at Boglehead's 2014

John Clark
by jvclark02
Thu May 08, 2014 7:57 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday John C. Bogle !
Replies: 37
Views: 2001

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

VictoriaF wrote:
sans souliers wrote:Congrats to all in the class of 2014!


I like this expression, "Class of 2014"!

Victoria

Me too. I wonder how many of Class of 2014 are going to Boglehead's 2014 :sharebeer
by jvclark02
Thu May 08, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8857

Re: Reasonable priced security camera

I used a Dropcam in my residence while I was away in Palm Springs for the winter. Placed it in a position that allowed me to monitor our entry way and most of the living area. I also put a thermometer near the front of it, so I could monitor my heating system. I set the motion detection sensor so it...
by jvclark02
Tue May 06, 2014 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Reasonable priced security camera
Replies: 5
Views: 845

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

Is this a plague, or what? A good kind of plague. I have two days left to work until unofficial retirement. (Will officially retire after sabbatical ends in early July.) I, too, intend to keep income low and to do tIRA to Roth conversions for several years before taking SS -- but my timeframe is sh...
by jvclark02
Tue May 06, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8857

Re: Thank you, Taylor Larimore!!!

I had the pleasure of meeting Taylor at the 2013 Boglehead's get-together. You can find his picture in the dictionary next to the definition of "gentleman". :sharebeer
by jvclark02
Tue May 06, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!!!
Replies: 29
Views: 4124

Re: Efficient Retirement Design - Booklet by Shoven & Slavov

Thanks for the post/links It helps me to read facts as opposed to opinions because delaying SS is emotionally difficult. So far it has been only mildly difficult but I am less than 2 years into the process with another 2-3 years to go. Thanks again for this and your other posts on the subject. Jim ...
by jvclark02
Sat Apr 26, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Efficient Retirement Design - Booklet by Shoven & Slavov
Replies: 12
Views: 1204
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