Search found 1158 matches

by 1530jesup
Wed Feb 10, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Wife just got a VM from a debt collector
Replies: 42
Views: 3527

Re: Wife just got a VM from a debt collector

had a business number that was originally owned by a world class dead beat. one point was that their family name was complex, difficult to pronounce, and obviously of off shore origin. even the callers stumbled over the name. since my New York accent was obvious, I usually started off by asking the ...
by 1530jesup
Sun Feb 07, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: VERY low cost/low use cell phone service/plan
Replies: 24
Views: 1206

Re: VERY low cost/low use cell phone service/plan

I pay $100 a year for ATT's go phone 10 cents a minute plan in order to roll over the minutes from year to year I have to add $100 each year my usage is so low I now have $400 worth of minutes because of the roll over one kicker for me is that I have yet to find an inexpensive phone that gives me go...
by 1530jesup
Sat Jan 30, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 4238

Re: Which news source do you use?

recently started getting a daily Washington Post news update courtesy of Amazon. wondered how that happened until I realized Amazon owns the paper and they presumably activated their customer base for broad distribution. adds a few minutes to my newsletter (NY Times, Reuters, Daily Beast, BBC) brows...
by 1530jesup
Thu Jan 28, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 123
Views: 6072

Re: perfectly happy with cable

unlike those who had to justify their Playboy subscription, Cable movie channels (HBO, Starz, Encore and Turner Classic Movie) are the reason we pay the ridiculous amount for cable ($160) with the bonus of a phone line and an internet connection added on. plus, access to On Demand. not perfectly hap...
by 1530jesup
Thu Jan 28, 2016 1:36 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 123
Views: 6072

Re: perfectly happy with cable

Comcast does have a loyalty program for long timers; you have to call and ask for it, again and again. Eventually you will get someone to offer anywhere from $10-$20 per month for at least 6 months if not a year. Putting in 10 minutes on hold could be worth at least $60. I apologize for repeating m...
by 1530jesup
Thu Jan 28, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 4238

Re: Which news source do you use?

NY Times & local paper delivered to our door. access Times web site for updates
follow the links posted on BH, get Daily Beast, Reuters and BBC online newsletters
never watch cable or network news (not since Cronkite left the air)
was a big NPR fan when in the car during the work week
by 1530jesup
Wed Jan 27, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 123
Views: 6072

Re: perfectly happy with cable

My Comcast bill just increased $8/mo. through jacking up those miscellaneous charges which add no value. But it's the only game in town. It would be "nice" if they had a "customer loyalty" promo, rather than rewarding newbies while gauging long-timers. Comcast does have a loyalt...
by 1530jesup
Fri Jan 22, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Nutritional supplements - beware
Replies: 38
Views: 2565

Re: Nutritional supplements - beware

None of these are regulated by the FDA, so anyone can sell a pill marketed as a "nutritional supplement" without actually proving to anyone that the pill contains what it claims to contain. Exactly! Anyone could make a full line of nutritional supplements and fill them with sugar. efficac...
by 1530jesup
Wed Jan 20, 2016 12:44 pm
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 7012

Re: Capitulation!

I'm not retiring tomorrow. I'm not retiring next month. I'm not retiring next year. I'm not retiring for at least 10 years. Not worried. :sharebeer yeah, but, I am retired will be retired next month and all the months I got left in this universe worried, yet not gonna lock in losses, it worked in t...
by 1530jesup
Tue Jan 19, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: How do you use your Chase Freedom rewards?
Replies: 32
Views: 2931

Re: How do you use your Chase Freedom rewards?

I have Ink, been using for years - what is Ink Plus and what are the benefits over just plain Ink? I find the Chase Freedom card a pain to keep checking their quarterly bonuses. I usually simply take statement credit on my cards. With the Ink Plus you can transfer points to travel partners (Hyatt, ...
by 1530jesup
Tue Jan 19, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: How do you use your Chase Freedom rewards?
Replies: 32
Views: 2931

Re: How do you use your Chase Freedom rewards?

I have Ink, been using for years - what is Ink Plus and what are the benefits over just plain Ink?
I find the Chase Freedom card a pain to keep checking their quarterly bonuses. I usually simply take statement credit on my cards.
by 1530jesup
Mon Jan 18, 2016 1:25 pm
Forum: Investing - Theory, News & General
Topic: [Investing] Things that would/will never happen in your lifetime
Replies: 43
Views: 5183

Re: Things that would/will never happen in your lifetime

things that I am thankful will not happen again when it comes to buying a new car back in the day: bumper to bumper warranty was 30 days (and you actually had bumpers); you negotiated to avoid the costs of adding side view mirrors - today we get all the bells and whistles whether we want them or not...
by 1530jesup
Thu Jan 14, 2016 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 3744

Re: Does a BH play the lottery?

seems someone in California has the numbers, only state that reported so far
guess I lost, although I am ahead the two bucks I would have dropped had I bought a ticket
maybe this is not my century...
by 1530jesup
Tue Jan 12, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads -- How much did you spend last year?
Replies: 60
Views: 5795

Re: Retired Bogleheads -- How much did you spend last year?

we bounce between 40K & 50K - usually closer to 50,000 spikes when taking a cruise or replacing HVAC, appliance and kitchen upgrades will be in the future live in a higher cost area; Florida insurance goes up because of the old folks here (which includes us) seeking to keep to 40K and under, sim...
by 1530jesup
Tue Jan 12, 2016 1:49 am
Forum: Personal Consumer Issues
Topic: Question about my cell phone
Replies: 23
Views: 1238

Re: Question about my cell phone

one key issue (at least for me) is reception and ability to make calls in the home in my area I see lots of folk pacing outside their homes to make cell calls ATT and Lumia do not work for me at home so I use Comcast for my home base calls Comcast costs me about $40 per month and ATT gophone calls r...
by 1530jesup
Mon Jan 11, 2016 7:22 pm
Forum: Personal Consumer Issues
Topic: Question about my cell phone
Replies: 23
Views: 1238

Re: Question about my cell phone

Thanks 1530jesup. I'll check it out. Did you know you don't have to pay $100 to renew your GoPhone plan since you have over $400 balance. I renewed in December for one year for only $25 because I had a $345 balance. They say this is just a one time courtesy, but I have done it for several years. Al...
by 1530jesup
Mon Jan 11, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Question about my cell phone
Replies: 23
Views: 1238

Re: Question about my cell phone

My wife and I have a Microsoft Lumia 640. I also set my wife's parents up with these phones. Good battery, easy to setup and use. You could (maybe)stick with your Go Phone plan. http://www.ebay.com/itm/AT-T-GoPhone-Microsoft-Lumia-640-4G-LTE-w-8GB-Memory-No-Contract-Cell-Phone-/252199069020?hash=it...
by 1530jesup
Mon Jan 11, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 4035

Re: $1.3 Billion Jackpot - How would you invest it?

55/45
with the 45 being Int Treasury, one can not be too careful how to manage and preserve assets
I presume when not taking lump sum that the payout would continue for my heirs in case I can not purchase immortality
by 1530jesup
Sun Jan 10, 2016 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Lottery Win...Could a Boglehead handle it?
Replies: 79
Views: 4557

Re: Lottery Win...Could a Boglehead handle it?

A true Boglehead would not be buying a ticket. I find the increased participation as the bundle spins into double and triple millions curious Seems that $5 million or so is a mere "bag of shells", as Jackie Gleason used to say, and not as many are interested in simple luxury. Gotta get th...
by 1530jesup
Sat Jan 09, 2016 11:06 am
Forum: Investing - Theory, News & General
Topic: I'm curious if over-weighting equity investors still ok?
Replies: 92
Views: 6565

Re: I'm curious if over-weighting equity investors still ok?

wow, not really paying attention, comfortable with my allocation and just realized I, at 77, am age - 30%
rode out 2008, figure I can get through the next 20 or so dips; guess I finally got with the Boglehead mindset
by 1530jesup
Thu Jan 07, 2016 10:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2715
Views: 536986

Re: U.S. stocks in freefall

So I broke. I am seeing a lot of things I don't like in the market (not news articles). For the first time in my 12 years of investing as a Boglehead, I switched 90% out of Target Retirement 2045 and went to a Total Bond Index at least for the next 30 days. The 2007-2008 downturn didn't phase me a ...
by 1530jesup
Tue Jan 05, 2016 10:27 pm
Forum: Personal Consumer Issues
Topic: How is Costco's gas so cheap? (15% cheaper in my area)
Replies: 59
Views: 4992

Re: How is Costco's gas so cheap? (15% cheaper in my area)

in Palm Beach County, Costco can be 15-20 cents less than the competition
I also belong to BJ's and they drop another 10 cents a gallon if you use their Visa card
BJ's non member price is absurd and I guess they post that price to make the members feel they are getting a great price (which we are)...
by 1530jesup
Sun Jan 03, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: How much is your house worth?
Replies: 71
Views: 5456

Re: How much is your house worth?

my number looks right - I did not check but I guess the site has the capability to add upgrades, like new kitchen and such, to increase the value. Zillo is $2K higher, for me both are a fairly accurate estimate
by 1530jesup
Sat Dec 26, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Cancel Medigap plan to save money for a year+?
Replies: 40
Views: 2209

Re: Cancel Medigap plan to save money for a year+?

I give up, no longer worth following
by 1530jesup
Wed Dec 23, 2015 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Cancel Medigap plan to save money for a year+?
Replies: 40
Views: 2209

Re: Cancel Medigap plan to save money for a year+?

The two replies above are two really good reasons you should not cancel your policy. plus, I think you come back at a higher rate. doing Medigap at 65 (or whatever) may have a lower base rate at 69 than if you quit at 67 and started a new policy at 69. check the insurers' rate charts I'm 48. Are yo...
by 1530jesup
Tue Dec 22, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Cancel Medigap plan to save money for a year+?
Replies: 40
Views: 2209

Re: Cancel Medigap plan to save money for a year+?

dbr wrote:The two replies above are two really good reasons you should not cancel your policy.

plus, I think you come back at a higher rate. doing Medigap at 65 (or whatever) may have a lower base rate at 69 than if you quit at 67 and started a new policy at 69. check the insurers' rate charts
by 1530jesup
Thu Dec 17, 2015 9:57 pm
Forum: Investing - Theory, News & General
Topic: "What Are the Risks of Investing With One Fund Family?"
Replies: 7
Views: 2340

Re: "What Are the Risks of Investing With One Fund Family?"

abuss368 wrote:Moving to Vanguard was the best financial decision we ever made!
Thank you Jack Bogle!

Yep, us too
by 1530jesup
Wed Dec 09, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Wellington, Balanced Fund, Int Treasury - as a 3 Fund portfolio
Replies: 12
Views: 1092

Re: Wellington, Balanced Fund, Int Treasury - as a 3 Fund portfolio

It's a portfolio of three funds. But it is not the Three Fund Portfolio. Do you want an all-US, large-value-tilted portfolio? Are you OK with the taxes involved? Wellington has a small percentage of foreign equity and I buy into the feeling that major US corporations are global enterprises Wonderin...
by 1530jesup
Wed Dec 09, 2015 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Wellington, Balanced Fund, Int Treasury - as a 3 Fund portfolio
Replies: 12
Views: 1092

Wellington, Balanced Fund, Int Treasury - as a 3 Fund portfolio

Does this make sense, retired, no more accumulation?
Wellington as a more aggressive fund
Vanguard's Balanced as a (sort of) mix of Total Stock & Total Bond
Intermediate Treasury Fund to mitigate risk
by 1530jesup
Mon Dec 07, 2015 3:20 pm
Forum: Personal Consumer Issues
Topic: Holiday tipping: letter carriers
Replies: 120
Views: 7606

Re: Holiday tipping: letter carriers

I usually defer to custom on tipping issues, but in this case I still don't tip the postman. Probably the biggest reason is that my postal delivery is impersonal and I have only spoken to the postman on a few occasions. my new mail person blew his horn and waved to me. that is when I knew his holid...
by 1530jesup
Mon Dec 07, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: Holiday tipping: letter carriers
Replies: 120
Views: 7606

Re: Holiday tipping: letter carriers

I've never analyzed it. I give 'em $20. In cash. used to give $25 for the post office folk who were on the route long term. new carrier, think I will dial back to $20. they always leave a greeting card with their address, kind of think that is an invitation to give... slightly off topic, newspapers...
by 1530jesup
Sun Dec 06, 2015 9:26 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 10980

Re: Flaunt Your High-Mileage Car

Since we Bogleheads are tightwads generally trend toward thriftiness, I bet there are some high-mileage vehicles in our collective stables. But how high is high? If you want to play, please post mileage, and optionally make, model, year, and anything else you'd like to share. Me: 188,000 miles, 200...
by 1530jesup
Sun Dec 06, 2015 6:55 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 10980

Re: Flaunt Your High-Mileage Car

Since we Bogleheads are tightwads generally trend toward thriftiness, I bet there are some high-mileage vehicles in our collective stables. But how high is high? If you want to play, please post mileage, and optionally make, model, year, and anything else you'd like to share. Me: 188,000 miles, 200...
by 1530jesup
Sat Dec 05, 2015 11:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 776
Views: 108216

Re: Are Vanguard and Bogleheads in Trouble because of this case

sport wrote:The link requires a paid subscription.

had no trouble using the link in accessing the article
by 1530jesup
Fri Dec 04, 2015 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Home office deduction = one-way ticket to being audited?
Replies: 44
Views: 5914

Re: Home office deduction = one-way ticket to being audited?

never had an IRS issue with home office claims for a good 12-15 year stretch in the 70's and 80's and again from 2004 through 2013, my home office was my single place of business and had no problem either with self filing or, more recently, using a CPA. as noted by others, a set percentage of cost f...
by 1530jesup
Sun Nov 29, 2015 11:40 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 43996

Re: Free Windows 10 Upgrade, Yes or No?

Other issues I've got may be either W10 or Asus related. Despite changing settings, the num lock on the keypad has to be set each time the machine boots; annoying since the keypad was one reason I bought the particular machine. No online fix found. num lock turned off on my 8.1 as well. look at it ...
by 1530jesup
Sat Nov 28, 2015 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card company sending bill late
Replies: 21
Views: 2230

Re: Credit card company sending bill late

I generally wait until I receive the paper bill, then I review it and pay online. I keep a pay schedule check off sheet listing my repeating CC, power, water, insurance premium approximate due dates. Most payments are by my bank's online service or on the creditor's website. A late billing gets att...
by 1530jesup
Sat Nov 28, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 43996

Re: Free Windows 10 Upgrade, Yes or No?

My big question is "What do you get by upgrading to W10 when W8.1 is working fine for me?" Why bother? I was also happy with 8.1 but since I do not have a smart phone or use any of the social media stuff (facebook, twitter) decided to make a stab at entering the 21st century, went for W10...
by 1530jesup
Wed Nov 18, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: Credit card hacked, what we learned
Replies: 49
Views: 6784

Re: Credit card hacked, what we learned

diverting the conversation a bit, why use PayPal when a credit card will perform the same function? are there perks (safety? points?) that the CC does not provide?
still behind the times, Rich
by 1530jesup
Tue Nov 17, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: Credit card hacked, what we learned
Replies: 49
Views: 6784

Re: Credit card hacked, what we learned

I would advise folk to refrain from feeling anything about cards getting hacked. This is where I am--I've had it occur I think four times in the last five years, mostly in well-known processor vulnerabilities. Keep your eye on your statement and alert the credit card company when there's a problem,...
by 1530jesup
Mon Nov 16, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: Credit card hacked, what we learned
Replies: 49
Views: 6784

Re: Credit card hacked, what we learned

bank of America sends email alerts as does Vanguard whenever there is activity on our accounts. Chase also requires use of emailed codes when we access our credit card accounts. nothing is perfect and we have too many cards (like department store accounts) that we hardly ever use. someday, we may fi...
by 1530jesup
Wed Nov 11, 2015 8:22 am
Forum: Personal Consumer Issues
Topic: Anyone make Superfood Shakes ?
Replies: 7
Views: 730

Re: Anyone make Superfood Shakes ?

I use Greens Today - men's formula; plus Amazing Grass - Goji formula; plus whey protein powder - EAS because of a nearly vegan diet; plus frozen blueberries and strawberries and bananas. At one time used to add plain yogurt, now simply 16 oz water. Mixed in blender and down my array of supplements...
by 1530jesup
Tue Nov 10, 2015 7:05 pm
Forum: Personal Consumer Issues
Topic: Anyone make Superfood Shakes ?
Replies: 7
Views: 730

Re: Anyone make Superfood Shakes ?

I use Greens Today - men's formula; plus Amazing Grass - Goji formula; plus whey protein powder - EAS because of a nearly vegan diet; plus frozen blueberries and strawberries and bananas. At one time used to add plain yogurt, now simply 16 oz water. Mixed in blender and down my array of supplements ...
by 1530jesup
Mon Nov 09, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 136
Views: 14359

Re: Where to retire in Florida?

^^ you were one of those "invading hordes" to someone else... yeah, but I was younger and better looking at that time "I disagree. Stay away from the West Coast of Florida. You'll love the Miami/Ft. Lauderdale area. :happy Gill" yeah, go south, the people are much nicer in Miami...
by 1530jesup
Sun Nov 08, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 136
Views: 14359

Re: Where to retire in Florida?

gotta say I love the referrals to Florida locations other than the southeast. keeps the invading hordes out of Miami-Dade and Broward and Palm Beach. Better for traffic and restaurant reservations and entertainment venues. Florida has lots of empty space, let's fill it in rather than jamming folks i...
by 1530jesup
Sat Nov 07, 2015 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard monthly I Bond update?
Replies: 4
Views: 581

Re: Savings Bond Wizard monthly I Bond update?

The Wizard is likely correct. Very many I Bonds have a 6-month period of a zero composite interest rate. Depending on what month you bought each, they may all overlap in October, meaning all of them yielded zero nominal for the month (but they're reacting to earlier deflation, which gives them a po...
by 1530jesup
Fri Nov 06, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard monthly I Bond update?
Replies: 4
Views: 581

Savings Bond Wizard monthly I Bond update?

Did I miss something? My usual I Bond update for the new month does not show an interest bump. My error or did anything change or is the Wizard out to lunch?
by 1530jesup
Fri Nov 06, 2015 10:01 am
Forum: Personal Finance (Not Investing)
Topic: $0.01 check received from Vanguard for dividend payment
Replies: 26
Views: 2423

Re: $0.01 check received from Vanguard for dividend payment

a month or so ago I deposited 4 checks - total deposit $0.66 One was an interest check from Vanguard, another was a refund from a Part D payment and then two checks covering interest for a single share of stock that recently split into two entities. I still get two quarterly statements from former b...
by 1530jesup
Fri Nov 06, 2015 8:44 am
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 136
Views: 14359

Re: Where to retire in Florida?

Be careful of HOA situations. Caveat Emptor. They can force their will on you and make you spend significant money with upkeep that they deem necessary. They have the authority to fine and levy liens against your property. It can feel like you are living in The People's Republic of Florida if you a...
by 1530jesup
Thu Nov 05, 2015 3:24 pm
Forum: Personal Consumer Issues
Topic: Yogurt - Greek or "regular' - cost evaluation
Replies: 69
Views: 5230

Re: Yogurt - Greek or "regular' - cost evaluation

love Greek yogurt, have it sometimes twice a day. some think it is a health food, I prefer to think of yogurt as a dessert though I prefer the plain, I will buy the 16 pack Chobani variety item from Costco or BJ's when on sale. I get the Chobani plain 38 oz. package @ $4.99. Costco's 32 oz. twin pac...

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