Search found 1250 matches

by 1530jesup
Sat May 28, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Is Real Estate Market going crazy again?
Replies: 81
Views: 6873

Re: Is Real Estate Market going crazy again?

in our area they are putting up new community developments like it was 2006 again. builders are running out of open space and one wonders if they will - once again - run out of potential buyers as well
by 1530jesup
Tue May 24, 2016 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Need Moral Support for FA Breakup!
Replies: 68
Views: 4737

Re: Need Moral Support for FA Breakup!

It has been said many times...."just get off the bus Gus. Make a new plan Stan". Congrats on your move. :sharebeer Wow, that sounds so lyrical We simply told our "friends" at Smith Barney (or whatever they are called now) and UBS that we decided to simplify and self direct our i...
by 1530jesup
Mon May 23, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2352

Re: Still double checking bank checkbook math?

Always review activity on Bank's web site. Keep spreadsheet to track my activity because almost all transactions are electronic. We write one check a month for a maintenance worker and rarely use any other hard checks for our spend.
by 1530jesup
Sun May 22, 2016 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover - silly concern
Replies: 27
Views: 1746

Re: Rollover - silly concern

Odd that Fidelity won't do a direct transfer. I moved some of my 401K from Merrill Lynch to Vanguard last year and never touched a check. Yes, did the same with a 401K going directly to Vanguard, I believe Vanguard handled the whole transaction. No check involved! Used the procedure more than once ...
by 1530jesup
Sat May 21, 2016 10:01 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11811

Re: Is there a such thing as a blue collar Boglehead?

On the other hand, the vast majority of members are trying to be very helpful, plus moderators do a great job. I agree. So many helpful people posting here. Very hard working moderators. This site is truly beneficial for so many and anyone who posts a serious financial question on Bogleheads will s...
by 1530jesup
Fri May 20, 2016 2:04 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11811

Re: Is there a such thing as a blue collar Boglehead?

However you define blue-collar worker - the answer is yes. There a numerous low to moderate income bogleheads; and numerous bogleheads without college educations. Here are the results from last year's boglehead survey: https://docs.google.com/spreadsheets/d/1IwBXes8GdYOmOrtKnYLd5Vw8M7TALte_nk63hbUf...
by 1530jesup
Tue May 17, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Did I uncover a scam?
Replies: 34
Views: 3999

Re: Did I uncover a scam?

Ha... I thought you were going to say you saw someone at the dealership throwing rocks at cars :) me too years ago a jeweler in Brooklyn worked with a burglary group that stole his customers' goods and then he offered to replace/duplicate the items at a reduced cost. re-selling them their own jewel...
by 1530jesup
Sat May 14, 2016 5:50 pm
Forum: Personal Consumer Issues
Topic: The 10 Best States to Grow Old in
Replies: 31
Views: 5083

Re: The 10 Best States to Grow Old in

It doesn't appear that weather was a consideration with the best list. No kidding! Cold weather keeps you tough and ornery. See, for example, Jackrabbit Johannsen http://laurentian.quebecheritageweb.com/article/herman-jackrabbit-smith-johannsen-1875-1987 except maybe not the ornery part. Also, see ...
by 1530jesup
Thu May 12, 2016 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Downsize to One Auto in Retirement ?
Replies: 43
Views: 3233

Re: Downsize to One Auto in Retirement ?

went to one car and except for the very first day we never have had a problem. traded in my car and picked up our new vehicle on a Sunday. That Monday I had a dental emergency and the dear wife had a doctor's appointment at the same time in a different direction. it has been 10 years since and we ha...
by 1530jesup
Wed May 11, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney issues
Replies: 11
Views: 1490

Re: Power of Attorney issues

as the Times article pointed out, by the time holders of a POA find they have a problem, the person we look to help may be beyond the mental capability to sign off on another POA. and as littlebird talks about, as we get close to being the one that may be needing oversight, things can get complicated.
by 1530jesup
Wed May 11, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney issues
Replies: 11
Views: 1490

Re: Power of Attorney issues

As we moved from state to state we were always cautioned to use local attorneys for any paper work
Drawing up our wills, the caution was strongly emphasized not to go back to our former attorney as Florida is particular about the format!
by 1530jesup
Wed May 11, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney issues
Replies: 11
Views: 1490

Power of Attorney issues

I found this topic discussed a year ago and since I missed it, maybe others did as well. The below link is a NY Times article from Tuesday's (5/10) edition that discusses the validity of a document we may erroneously think has us covered in times of need. Seems that financial institutions may requir...
by 1530jesup
Tue May 10, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 12013

Re: Sci-Fi ... your favorite movies and episodes??

I did not see a lot of episodes of "Fringe" but it was definitely SF: parallel universes etc. Running at the same time as Fringe was Flashforward. Sadly, it did not make it past the first season, got tired of Fringe which went on, I guess, to a resolution but Flashforward never got past t...
by 1530jesup
Tue May 10, 2016 8:47 am
Forum: Personal Consumer Issues
Topic: The 10 Best States to Grow Old in
Replies: 31
Views: 5083

Re: The 10 Best States to Grow Old in

got lots of jokes and ridicule at work when we moved south like, 'is there room in the garage for the wheelchair and walkers?' and 'are you going to leave work early to beat the early bird crowds?' so when I started telecommuting I joined in a teleconference and asked some of these guys and gals if ...
by 1530jesup
Mon May 09, 2016 2:43 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 12013

Re: Sci-Fi ... your favorite movies and episodes??

Best Sci-fi TV: Orphan Black (if you consider that sci-fi): 4-5 stars. 5 star acting by Tatiana Maslany. She is amazing. I liked X-files a lot but not sure if it is sci-fi; I suppose it is. Orphan Black, multiple clones, each with different personalities, story getting more complex with every show....
by 1530jesup
Mon May 09, 2016 8:07 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 12013

Re: Sci-Fi ... your favorite movies and episodes??

so many Twilight Zone shows with great messages and foreboding about what the future holds; how about The Obsolete Man with Burgess Meredith and Fritz Weaver?
by 1530jesup
Sun May 08, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 12013

Re: Sci-Fi ... your favorite movies and episodes??

Orphan Black is absolutely fantastic, but I don't think the majority of the bogleheads I've encountered here could watch it. love Orphan Black, much like Game of Thrones, the plot(s) and keeping track of all the characters can become very confusing. YET, well worth the effort interesting that both ...
by 1530jesup
Sat May 07, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 12013

Re: Sci-Fi ... your favorite movies and episodes??

Five Million Years to Earth (1967) This movie scared the daylights out of me when I was a kid... http://imgc.allpostersimages.com/images/P-473-488-90/67/6719/6JVA100Z/posters/five-million-years-to-earth-aka-quatermass-and-the-pit-james-donald-andrew-keir-1967.jpg http://4.bp.blogspot.com/-HSgTwzDc0...
by 1530jesup
Thu May 05, 2016 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4276

Re: Do you check credit card statements?

I check every month The only thing i've caught is a waitress adding an extra $20 tip to a bar tab. back in the day of hand written CC receipts, a waiter at our favorite Italian eatery was caught augmenting his tips big time. nearly all of our activity is by CC, always check items because we track o...
by 1530jesup
Thu May 05, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 12013

Re: Sci-Fi ... your favorite movies and episodes??

I am pleased to see "Forbidden Planet" on so many lists. It is the first modern science fiction movie, after you watch is so many later films and TV series seem derivative. But nobody in my circles (family, work) has even heard of it. ask them if they ever read or saw the play "The T...
by 1530jesup
Thu May 05, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 12013

Re: Sci-Fi ... your favorite movies and episodes??

Would like to see the 1972 Tarkovsky version of Solaris some time. (Aha, it's on youtube!) best part is when the protagonist arrives on the space ship wearing a leather jacket and carrying a garment bag! big sci-fan, yet, IMHO, the versions that I saw were kind of dragging. okay to be thoughtful an...
by 1530jesup
Tue May 03, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 12013

Re: Sci-Fi ... your favorite movies and episodes??

TV - Orphan Black Twilight Zone for the way Rod Serling attacked issues (racism, Communism...) and morality with some unconventional story telling Outer Limits had some gems as well Movies - Philip K Dick was the source for Total Recall, Blade Runner, Minority Report, The Adjustment Bureau among oth...
by 1530jesup
Mon May 02, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 7126

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Leif wrote:2 buck chuck.

yeah, but, at least in my area, two buck chuck is no longer $2
besides, I drink a higher class of wine, try their $6.99 Pinot Noir
by 1530jesup
Sun May 01, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 39282

Re: What are Costco's best deals?

Life has become so much about instant gratification that it is now deemed a serious problem to have to look for something in the store. That's a fairly self-centered view of the world. The stores are around 150 thousand square feet. Things get moved to completely opposite sides of the store. We're ...
by 1530jesup
Sat Apr 30, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 60
Views: 4810

Re: How do you stop robo-calls/unwanted calls?

How to handle those computer service scam calls: https://m.youtube.com/watch?v=Qz--Aq7nNHk cute. used to have a recording where recipient pretended to be a cop investigating a murder and got the "scammer" involved as a possible suspect. these are much more fun than cat videos... trouble i...
by 1530jesup
Sat Apr 30, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 60
Views: 4810

Re: How do you stop robo-calls/unwanted calls?

the calls that show up with my name and number on the caller ID are the most tempting. yet I usually talk directly to myself all day long so I figure no sense in doing it by phone. always let them go to voicemail - which always results in a hangup. thought about blocking calls but we sometimes get b...
by 1530jesup
Sat Apr 30, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 7126

Re: So, are Bogleheads Bourbon or Scotch drinkers?

with all the wine "clubs" selling the stuff at 12-15 bottles for as little as $70 (plus giveaways) my drinking day starts off with a green smoothie, then green tea, moves on to filtered water and finish the day with a trip down to my wine cellar - actually, in Florida, most folk do not hav...
by 1530jesup
Thu Apr 28, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 5732

Re: What's become of Consumer Reports?

you might want to take a look at https://consumerist.com/ a free off-shoot of Consumer Reports. personally, I have found the comments and reviews here at BH helpful and perhaps a better guide for personal needs from small appliances to whole house HVAC issues nothing like real overviews from folks y...
by 1530jesup
Thu Apr 28, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Practices
Replies: 26
Views: 1968

Re: Medical Billing Practices

here in Medicare central, most docs have a sign posted asking for the co-pay at time of service. obviously, with Medigap, for me that is not an issue. pre-Medicare, had a NY doc that insisted on full payment upfront and the insurance carrier sent me a check for the 80% covered portion. remember in ...
by 1530jesup
Thu Apr 28, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Practices
Replies: 26
Views: 1968

Re: Medical Billing Practices

here in Medicare central, most docs have a sign posted asking for the co-pay at time of service. obviously, with Medigap, for me that is not an issue. pre-Medicare, had a NY doc that insisted on full payment upfront and the insurance carrier sent me a check for the 80% covered portion. remember in a...
by 1530jesup
Thu Apr 28, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 39282

Re: What are Costco's best deals?

A few years ago, I bought 2 or 3 pairs of different types of shoes/boots at a really great price. I have not seen such shoe "deals" in quite a while. one thing about Costco, you see something you like but are not sure whether to get it, get it anyway. chances are the next time you go and ...
by 1530jesup
Wed Apr 27, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 39282

Re: What are Costco's best deals?

off topic; letter to the editor in our local paper thinks Costco is gonna go bankrupt. seems the coming $5 increase in basic membership coupled with the fact that they no longer provide a paper plate for their hot dogs indicates Costco in dire financial trouble... Oh, we like their hummus and taboul...
by 1530jesup
Wed Apr 27, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Should I accept this offer on my house?
Replies: 52
Views: 3647

Re: Should I accept this offer on my house?

1997. We decided to move after our nest emptied. Arrived at a net figure and turned it over to an agent. No pressure to relocate (we intended to stay in the same general area) and we waited for 14 months to sell at our price. The agent actually had to throw in $1K to meet our price. As usual, it dep...
by 1530jesup
Wed Apr 27, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: if you HAD to pick 2 actively managed funds???
Replies: 45
Views: 3279

Re: if you HAD to pick 2 actively managed funds???

DSInvestor wrote:Not purely stock funds but I would be comfortable holding Vanguard Wellington or Wellesley Income depending on desired asset allocation.

only know about Vanguard funds, would go with Wellington or perhaps Balanced, both have larger stock portions than Wellesley
by 1530jesup
Sun Apr 24, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Income AMount
Replies: 10
Views: 1739

Re: Retirement Income AMount

Can I retire comfortably in Florida on $65-70k a year after taxes? Yes, depending on your definition of "comfortably". +1 we are fine with that, actually with less than that like so many questions in life, as others have stated, it depends want to live a middle class life (if such a class...
by 1530jesup
Sun Apr 17, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Coin Collecting (will coins increase or decrease in value?)
Replies: 36
Views: 3350

Re: Coin Collecting (will coins increase or decrease in value?)

spectec wrote:I'll bet a coin dated "700 BC" would be almost priceless. :)

yeah, but, how many of those folks were aware they were living and minting "Before the Common Era"
by 1530jesup
Sat Apr 16, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy part F Medicare?
Replies: 28
Views: 2001

Re: Where to buy part F Medicare?

Be aware that AARP's rates are discounted by 30% the first year and increase 3% for each of the next ten years, added to any other changes (up or down) that their rates might incur. What looks cheap today might not be so cheap in the future. At that point you would have to undergo medical underwrit...
by 1530jesup
Fri Apr 15, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy part F Medicare?
Replies: 28
Views: 2001

Re: Where to buy part F Medicare?

(I don't want to hijack this thread; someone please let me know if I should start a new one.) Question for at least two commenters here that said that they saved thousands by switching from Medigap to Advantage ... Can you provide any details? My understanding, with Medigap F (not high ded) there i...
by 1530jesup
Fri Apr 15, 2016 1:39 pm
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 5077

Re: If wall street is rigged and corrupt , why invest in it?

There are probably many factors that went into the crash of 2008, but people could have been more careful if they had done due diligence when investing their money. Mabel Yu did just that during that period of time and saved Vanguard from investing in those so called "AAA" bonds. http://w...
by 1530jesup
Thu Apr 14, 2016 7:46 pm
Forum: Personal Consumer Issues
Topic: home security and homeowners
Replies: 23
Views: 1754

Re: home security and homeowners

We don't have any home security expenses. We don't have anything of value in our house. That's saying that vandalism is probably the thing to worry about, but not having things stolen. If thieves showed up, maybe they would go to the neighbors and bring stuff into our house. We have no cash, no jew...
by 1530jesup
Thu Apr 14, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy part F Medicare?
Replies: 28
Views: 2001

Re: Where to buy part F Medicare?

You might consider a high-deductible Medicare F plan (around $2,000 deductible). Our premiums are about one/half what a full Medicare F plan costs and we come out ahead money-wise almost every year. this is the benefit of checking the Medicare site; comparing the costs of different plans with and w...
by 1530jesup
Thu Apr 14, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy part F Medicare?
Replies: 28
Views: 2001

Re: Where to buy part F Medicare?

You might consider a high-deductible Medicare F plan (around $2,000 deductible). Our premiums are about one/half what a full Medicare F plan costs and we come out ahead money-wise almost every year. this is the benefit of checking the Medicare site; comparing the costs of different plans with and w...
by 1530jesup
Thu Apr 14, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy part F Medicare?
Replies: 28
Views: 2001

Re: Where to buy part F Medicare?

I believe all providers have the same coverage for each plan level (F etc...) difference in costs depend on where you live - our costs went up when we moved to the Medicare capital, South Florida the main difference that I know of is the cost history of each provider. the dear wife went with a lower...
by 1530jesup
Wed Apr 13, 2016 9:51 pm
Forum: Investing - Theory, News & General
Topic: ‪"Lessons From the Great Minds of Investing‬"
Replies: 26
Views: 3900

Re: ‪"Lessons From the Great Minds of Investing‬"

Never knew about Google Talk. This one was a gem. Seems lots of other good topics there. Thanks for this post. Here, I thought I knew all I/we needed for the senior years left for us. But that is for later, gotta catch up with the Warriors game on ESPN :sharebeer
by 1530jesup
Tue Apr 12, 2016 9:06 am
Forum: Investing - Theory, News & General
Topic: what is the draw of active management?
Replies: 37
Views: 2160

Re: what is the draw of active management?

bertilak wrote: (Whenever things sound easy it turns out there's one part you didn't hear. -- John Dortmunder aka Donald E. Westlake)

the heck with the financial advice, I am impressed there is another person here that knows of Donald Westlake
by 1530jesup
Tue Apr 12, 2016 12:26 am
Forum: Personal Finance (Not Investing)
Topic: IRS cashed unsigned check
Replies: 40
Views: 4332

Re: IRS cashed unsigned check

Thousands of unsigned checks go through the banking system every day. When I first began in banking, every signature was compared with a file card. No longer. Gill back in the day when paper checks were the norm, the occasional unsigned check always went through same with checks that were deposited...
by 1530jesup
Fri Apr 08, 2016 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: How does online banking work? Fraud on credit card
Replies: 20
Views: 1582

Re: How does online banking work?

I use push 90% of the time for the last 6 or so years with zero problems. I log into my bank's billpay system, and enter the information for the company I want to pay and the account number. When I want to pay them, the system tells me how many business days to allow for the payment to arrive (I al...
by 1530jesup
Thu Apr 07, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: How do you use AmEx reward dollars to pay bill?
Replies: 13
Views: 1140

Re: How do you use AmEx reward dollars to pay bill?

with Am Exp losing or leaving Costco, it seems that they would look to make things easier for present card holders to earn and claim rewards. I sometimes have to jump through their site's hoops to use the few points I earned. as my Am Exp usage has changed over the years, once they are gone from Cos...
by 1530jesup
Tue Apr 05, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: I have reached [Index] purity
Replies: 15
Views: 2167

Re: I have reached purity

deceptive and enticing subject title - could not resist finding out what it was all about
turned out to be a a nice philosophical discussion, who would of thunk it?
by 1530jesup
Mon Apr 04, 2016 1:52 pm
Forum: Investing - Theory, News & General
Topic: What if your money in Vanguard disappeared one day??
Replies: 44
Views: 6142

Re: What if your money in Vanguard disappeared one day??

You have to decide what risks you want to protect against. You could have a big safe installed in poured concrete in your basement and fill it with gold bars. You might run out of money well before you die, but you'll have a good chance of knowing where your last gold bar is when you try to sell it...

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