Search found 1226 matches

by 1530jesup
Sat Apr 30, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 59
Views: 3260

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: 59
Views: 3260

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: 71
Views: 2607

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: 90
Views: 3920

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: 1734

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: 1734

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: 269
Views: 34883

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: 269
Views: 34883

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: 2884

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: 2726

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: 1557

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: 2928

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: 1627

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: 1627

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: 4320

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: 1576

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: 1627

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: 1627

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: 1627

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: 3520

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: 1968

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: 4164

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: 1426

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: 1032

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: 2069

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: 5948

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...
by 1530jesup
Sat Apr 02, 2016 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 69
Views: 16519

Re: How to get Citi CC if I don't have Costco Amex?

I don't currently have an Costco Amex. How do I get the Citi Costco card? A few months ago I noticed that they were still marketing the Costco Amex in the warehouses; not sure if they still are. Wondering whether to try to get a Costco Amex now, or whether Citi might provide some additional incenti...
by 1530jesup
Sat Apr 02, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Temporary (air mattress type) bed recommendations
Replies: 13
Views: 499

Re: Temporary (air mattress type) bed recommendations

We picked up an AeroBed at Costco. It's really nice and has built in inflation via a small motor on the side. It packs down to about the size of a large sleeping bag and has a nice headboard that alleviates the #1 annoyance for most sleeping on an inflatable bed - the pillow squirting out the top a...
by 1530jesup
Mon Mar 28, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: all-in-one? (printer, scanner, copier.)
Replies: 29
Views: 1643

Re: all-in-one? (printer, scanner, copier.)

Picked up an HP Officejet Pro 8600. Reliably does everything: Fax, scan, copy & print in color or Black. Except -- even though I do not use color for most of my functions, should a color cartridge run low, even though it is in Black, the job will not go forward until the color cartridge is repla...
by 1530jesup
Mon Mar 28, 2016 9:42 am
Forum: Investing - Theory, News & General
Topic: Anyone else feeling a correction brewing?
Replies: 60
Views: 5832

Re: Anyone else feeling a correction brewing?

AlohaJoe wrote:Sheesh, the last correction was only 2 months ago! And you're already expecting another one :confused

that is what I was thinking, I thought we recently went through a correction
gonna do what I have done since I found this forum, stay the course!
by 1530jesup
Sat Mar 26, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: [Looking for a new] Wireless router
Replies: 33
Views: 2527

Re: [Looking for a new] Wireless router

okay, got it - gonna replace the $10 per month Arris from Comcast with the TG682G, Thanks The buy modem vs rent modem decision was much more clear in the old days when it cost $6/month to rent vs $60 to buy a modem. At $10/month to rent vs $200 to buy it would make sense if you plan on keeping the ...
by 1530jesup
Sat Mar 26, 2016 11:46 am
Forum: Personal Consumer Issues
Topic: [Looking for a new] Wireless router
Replies: 33
Views: 2527

Re: [Looking for a new] Wireless router

Here is my recommendation; you need to be a bit techie - but worth the effort I guess. http://www.bhphotovideo.com/c/product/1189144-REG/ubiquiti_networks_uap_ac_lr_us_802_11ac_long_range.html Here is a glowing review of the product: http://arstechnica.com/gadgets/2015/10/review-ubiquiti-unifi-made...
by 1530jesup
Sat Mar 26, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: [Looking for a new] Wireless router
Replies: 33
Views: 2527

Re: [Looking for a new] Wireless router

Here is my recommendation; you need to be a bit techie - but worth the effort I guess. http://www.bhphotovideo.com/c/product/1189144-REG/ubiquiti_networks_uap_ac_lr_us_802_11ac_long_range.html Here is a glowing review of the product: http://arstechnica.com/gadgets/2015/10/review-ubiquiti-unifi-made...
by 1530jesup
Sat Mar 26, 2016 1:10 am
Forum: Personal Consumer Issues
Topic: [Looking for a new] Wireless router
Replies: 33
Views: 2527

Re: Wireless router

I have triple play from Comcast and I went with this combination: Modem: Arris TM822G (http://www.amazon.com/Arris-Touchstone-TM822G-Ultra-High-Telephony/dp/B00721TUNS) WiFi Router: NETGEAR Nighthawk AC1900 (http://www.amazon.com/NETGEAR-Nighthawk-AC1900-Gigabit-Router/dp/B00F0DD0I6) Great performa...
by 1530jesup
Fri Mar 25, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 69
Views: 16519

Re: Liking the new Citi CC at Costco

as long as you're willing to use the rewards at Costco: They'll cash you out at customer service. BJ's card deducts .10 per gallon off on gas at the pump and occasionally does another nickel per gallon if you shop first. BJ's automatically takes rewards off at check out whenever you reach $20 in pa...
by 1530jesup
Sun Mar 20, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 9860

Re: Early Retirees - What triggered you to retire?

Easiest thread to answer. If you don't like your job and have the financial means to retire, then retire. At 50 & 60 we really are at the top of our game: health wise, mentally and physically. Sadly, did not have the means to pull the plug. Worked into late 60's but would have walked away in a ...
by 1530jesup
Wed Mar 16, 2016 7:31 pm
Forum: Personal Consumer Issues
Topic: Anyone living in a retirement/55+ community?
Replies: 44
Views: 6133

Re: Anyone living in a retirement/55+ community?

One family member of mine thought about it, but she said she'd rather see and hear children playing. FIL lives at one, he said the ambulance is a regular sight. Still lives there though, but only because it's cheap rent. Min age is 55. It is all a matter of preference. We do not care all that much ...
by 1530jesup
Wed Mar 16, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Cash value life insurance now that retired
Replies: 3
Views: 306

Re: Cash value life insurance now that retired

My wife and I are retired and have life insurance with cash value. It probably wasn't a good move in hindsight but that's the way it is. My wife has cash value of 65000 and mine 145000. Was recently in various funds but transferred to "guaranteed " account at 4%. The company is Minnesota ...
by 1530jesup
Wed Mar 16, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 153
Views: 19096

Re: Where to retire in Florida?

AirTimeMD wrote:I-4 makes I-95 look like a well behaved cute puppy dog.

so now we are up to bragging 'my damaged quality of life is worse than yours'?
not gonna contest that one, you win - maybe we should simply route all newcomers to the panhandle...
by 1530jesup
Tue Mar 15, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: At fault fender bender, paying out of pocket
Replies: 29
Views: 2032

Re: At fault fender bender, paying out of pocket

betterfinances wrote:Insurance would have been a more cost effective choice. One accident will not raise your rates. The other guy may also claim diminished value which will be an additional expense

some insurers advertise accident forgiveness, maybe should have checked your policy first
by 1530jesup
Tue Mar 15, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 153
Views: 19096

Re: Where to retire in Florida?

The west coast of Florida is beautiful. yeah, west coast, the east coast is starting to sink and is taking on water, we need some balance although I-95 is safer now that traffic is so jammed up... I don't understand the joke. :?: 1) East coast = really crowded, need some relief; go west for the ben...
by 1530jesup
Mon Mar 14, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 153
Views: 19096

Re: Where to retire in Florida?

yeah, west coast, the east coast is starting to sink and is taking on water, we need some balance although I-95 is safer now that traffic is so jammed up... Is it sinking or is the water rising ? And why would this not be happening on the West Coast? sh! let them find out later. As Yogi almost said...
by 1530jesup
Mon Mar 14, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 153
Views: 19096

Re: Where to retire in Florida?

abuss368 wrote:The west coast of Florida is beautiful.

yeah, west coast, the east coast is starting to sink and is taking on water, we need some balance
although I-95 is safer now that traffic is so jammed up...
by 1530jesup
Thu Mar 10, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: [Looking for a new] Wireless router
Replies: 33
Views: 2527

Re: Wireless router

Comcast told me to get the Arris modem TG 862G I use their cable, internet and phone service and recently got a 12 month reduction in costs that takes $60 a month off my bill. There is another $10 month I can save by buying my own modem Amazon shows the Comcast version for $170 http://www.amazon.com...
by 1530jesup
Thu Mar 10, 2016 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Layoff Advice
Replies: 41
Views: 4494

Re: Layoff Advice

Don't sign anything, tell them that you need some time. Negotiate whatever time that you can, without losing the severance.. in my case, back in '08, if you did not sign off, the benefits and pay outs, to some extent, would have been lost or held up. negotiate, clarify, absolutely. better that you ...
by 1530jesup
Wed Mar 09, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mom needs long term care - assets into trust?
Replies: 22
Views: 2187

Re: Mom needs long term care - assets into trust?

I would suggest that using her assets to pay for her care is the right and appropriate thing to do. based on our experience, any SS benefits get redirected to the facility; then they look at ability to pay from assets. this goes back a decade and I think the particulars are also governed by state r...
by 1530jesup
Wed Mar 09, 2016 6:44 pm
Forum: Investing - Theory, News & General
Topic: "Monitor Your Portfolio Once This Year, Then Ignore It"
Replies: 53
Views: 6542

Re: "Monitor Your Portfolio Once This Year, Then Ignore It"

I look, often, yet rarely make changes. Although contemplating some simplification moves to correct years of asset diversity, it will take me weeks or months - based on the admonition to 'do not do something, just stand there' = before I pull the trigger. Been obsessive since as a 14 year old I woul...
by 1530jesup
Wed Mar 09, 2016 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Need Help revising our asset allocation for the long term
Replies: 5
Views: 566

Re: Need Help revising our asset allocation for the long term

Holding 1 balanced fund in the Roth IRA (either Wellington or Balanced Index) would be fine. It might change your overall allocation, requiring an adjustment in another account. Yes, you can split the stocks and bonds out into separate funds instead of Wellington in the tIRA. The funds you mentione...
by 1530jesup
Mon Mar 07, 2016 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help revising our asset allocation for the long term
Replies: 5
Views: 566

Re: Need Help revising our asset allocation for the long term

Have you considered the LifeStrategy series of funds? They have the same components as a target fund, but remain at a fixed allocation instead of migrating to more bonds. If you are in the 10% or 15% tax bracket, I don't think using a muni bond makes sense in taxable. I think you'd get more return ...

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