Search found 358 matches

by JaneyLH
Wed May 23, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Car wreck insurance settlement
Replies: 19
Views: 1323

Re: Car wreck insurance settlement

I was in a similar situation, except that I was rear-ended by an uninsured motorist, so it was my own auto insurance company that was responsible. My employer-provided medical insurance paid my medical bills but were repaid after I got my settlement. I did not get a lawyer and negotiated my own sett...
by JaneyLH
Sun May 20, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 33
Views: 1890

Re: Rental cars in Europe

I have had the experience of showing up to a rental car company at Heathrow only to be told they had run out of the economy car I had booked for 3 weeks. I was offered am upgrade to a large SUV at the same price. I refused because of the gas price and the difficulty parking such a large vehicle. I w...
by JaneyLH
Wed May 16, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 61
Views: 6277

Re: Amazon Prime - Decline in Delivery Service?

We are increasingly getting shipments late, sometimes days after due considering our Prime membership. Today I was ready to send in an order, but one Prime item showed up as being delivered "May 18-30". But if I was willing to pay $29.95, I could get it tomorrow! This was not a heavy or bulky item, ...
by JaneyLH
Tue May 15, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2337

Re: Grand Canyon or other Nat'l Park in October?

I would vote Yosemite, Yosemite, Yosemite. Mid-October is beautiful there.
by JaneyLH
Tue May 15, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Company shows only 30-50% of the time to build screened porch
Replies: 10
Views: 864

Re: Company shows only 30-50% of the time to build screened porch

Your state contractors board is a more potent agency to use than the BBB if escalation is needed. They regulate the licensing of contractors and administer fines. If you end up needing to file a complaint, they will investigate. The BBB can only publish a bad review and perhaps adjust their score fo...
by JaneyLH
Thu May 10, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 6949

Re: [Golf ball] cracked my house window. Do I have any recourse?

I had some friends who lived on a golf course, and enjoyed picking up all the balls that landed in their yard and giving them to their golfing friends. They usually had 2 or 3 baskets of balls sitting around the house. Once I was visiting and we were all sitting in the lovely backyard when I was hit...
by JaneyLH
Tue May 01, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10776

Re: Amazon to raise Prime membership in US to $119 from $99

When Amazon delivers on its offer to Prime customers I am happy to pay for the service. I live in a community where there are few shopping alternatives. But in the last 6 mos or so, there are more and more instances where prime deliveries are late, and we are sometimes gone. Doesn’t work for us unl...
by JaneyLH
Sun Apr 29, 2018 8:08 pm
Forum: Investing - Theory, News & General
Topic: Has anyone started a brokerage account for their child?
Replies: 6
Views: 887

Re: Has anyone started a brokerage account for their child?

A niece and a nephew. (Parents helped out with the paperwork.) Never procreated myself. :happy
by JaneyLH
Fri Apr 27, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10357

Re: Cashing out of the Bay Area

I left the Bay Area in 2000 and am so glad I did. Sure, the home I left would have run up but once I didn't have to work at a Bay Area location I couldn't wait to escape the traffic and congestion. I've lived in the Lake Tahoe area for 18 wonderful years and couldn't be happier. My cost of living wa...
by JaneyLH
Fri Apr 27, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed and waay out of my league
Replies: 41
Views: 5245

Re: Newly widowed and waay out of my league

What a horrible, shocking thing you are going through. This is a great support group you have found. You will get sound, reliable advice. The counsel you have been given about not making any quick decisions is good. Give yourself some time to adjust to your new reality. I'm so sorry about your situa...
by JaneyLH
Thu Apr 26, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10776

Re: Amazon to raise Prime membership in US to $119 from $99

When Amazon delivers on its offer to Prime customers I am happy to pay for the service. I live in a community where there are few shopping alternatives. But in the last 6 mos or so, there are more and more instances where prime deliveries are late, and we are sometimes gone. Doesn’t work for us unle...
by JaneyLH
Wed Apr 25, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 55
Views: 6066

Re: Electric Toothbrushes - again

Sonicare.
by JaneyLH
Sat Mar 24, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Recently Engaged, Considering Joint Account(s)
Replies: 26
Views: 1587

Re: Recently Engaged, Considering Joint Account(s)

My investment accounts are still in my maiden name. I have a prenuptual agreement that includes printouts of everything I (and he) brought into the marriage. We agreed those funds are ours alone. This is my second marriage. The first lasted 21 years and I thought it would last forever. I was wrong. ...
by JaneyLH
Sat Mar 24, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: financial advisory post-retirement?
Replies: 27
Views: 3006

Re: financial advisory post-retirement?

My experience has been the opposite of yours. During the 30+ accumulation years, I didn't have the time or ability to focus on learning about financial planning. I used a financial planner who did right by me. When she retired, I bridged a couple of years with her designated replacement. During that...
by JaneyLH
Sat Feb 24, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Ethics of selling a used car
Replies: 54
Views: 4236

Re: Ethics of selling a used car

If I were to put myself in the buyer' shoes, I would expect the buyer to take the car to their mechanic so they would know exactly what the car's condition is. I have encouraged buyers to do this -- figuring it was a win-win situation. Either the buyer would purchase it, or if not I would have a mec...
by JaneyLH
Wed Feb 21, 2018 6:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 408
Views: 42755

Re: Your USER NAME...what does it mean?

It's a nod to the Bruce Springsteen song "Janey Don't You Lose Heart". No special reason, just like the song.
by JaneyLH
Mon Feb 19, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 149
Views: 7548

Re: Long term care insurance

My husband and I have had John Hancock policies for about 5 years, since our late 50s. We have had two rate hikes but not too dramatic. So far we are continuing to pay to keep the same coverage. According to Clark Howard's advice, we are "wealthy enough" to self insure but we want to protect each ot...
by JaneyLH
Mon Feb 19, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 14
Views: 894

Re: The Final Frontier...just did my own taxes!

Thanks everyone for the support! This does feel big to me, and your messages back are the icing on the cake! Next stop: download tax estimating spreadsheet... I just wrote a nice note to my former tax preparer, letting her know I'm now a tax DIYer. She was fine, but I'm going to take the money I sav...
by JaneyLH
Sat Feb 17, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 14
Views: 894

Re: The Final Frontier...just did my own taxes!

I started doing this a couple of years ago and the process has given me quite a bit of insight into the ins-and-outs of the tax code. My college teacher use to say the same thing! Something like, learning the tax code is the secret to knowing what the government wants to encourage us to do, based o...
by JaneyLH
Sat Feb 17, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 14
Views: 894

The Final Frontier...just did my own taxes!

With all the confidence I gained from reading the many threads about doing your own taxes, I finally took the plunge this year. Three years after shedding my financial advisor and saving about $30,000 annually in investment expense, I took control of my own tax return. I was very intimidated due to ...
by JaneyLH
Sun Feb 04, 2018 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice for a Boglehead in Training
Replies: 16
Views: 1150

Re: 401k Advice for a Boglehead in Training

Even asking these questions and thinking about your investments proves you are way ahead of the game, compared to your peers. My husband and I have tried to instill some of this thinking with our niece and nephew. Only took with the nephew, who just graduated. We're happy he is thinking now about ho...
by JaneyLH
Thu Feb 01, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8527

Re: Anyone else cashing out on *some* of the crazy earnings?

Now a few years into our retirement, my husband and I have been underspending. We decided to take advantage of the increase in our portfolio by buying a new travel trailer and committing to a pretty expensive 3-week cruise for 2019. We have immediately cashed out enough to pay for these.. about $60k...
by JaneyLH
Wed Jan 31, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2454

Re: looking for positive experiences transferring to Vanguard

Moved everything to Vanguard about 3 years ago. Smooth transition and good advice throughout the process. Good experience since then.
by JaneyLH
Mon Jan 29, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 610
Views: 69422

Re: Netflix, Your Current Favorite Show

Also, any fans of mysteries will love Broadchurch. Twists and turns galore!
by JaneyLH
Mon Jan 29, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 610
Views: 69422

Re: Netflix, Your Current Favorite Show

Am halfway through the new season of Frankie and Grace and loving it. Particularly the story line about Grace’s need for a knee replacement and her total denial of the reality of her situation. Also her friend’s worsening dementia. The show is doing a great job of portraying the drip... drip... drip...
by JaneyLH
Tue Jan 23, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Input Requested on Non-Profit Scholarship Endowment Investments
Replies: 2
Views: 162

Re: Input Requested on Non-Profit Scholarship Endowment Investments

Thank you FiveK. Most of our students are enrolling in lower cost universities... I just found out that my nephew's Syracuse University tuition is $72,000 this year. His first year was $46,000. That's crazy!
by JaneyLH
Tue Jan 23, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Input Requested on Non-Profit Scholarship Endowment Investments
Replies: 2
Views: 162

Input Requested on Non-Profit Scholarship Endowment Investments

I realize this isn't exactly a personal investment, but it's personal to me as I am on the board of a non-profit organization that has amassed an endowment of nearly a half million dollars that funds scholarships for graduating high school seniors in a depressed area. One student is selected each ye...
by JaneyLH
Mon Jan 22, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: Kauai Travel Tips
Replies: 43
Views: 2472

Re: Kauai Travel Tips

If you plan to hike, be sure to bring hiking poles.

I didn’t and broke my ankle after a slip in that red sticky/greasy mud... the kind they use to stain the touristy red t-shirts. Since it rains frequently the mud is hard to avoid.

:(
by JaneyLH
Sun Jan 21, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 249
Views: 34468

Re: Does anyone here with net worths north of $1 mil use financial advisors?

My FA is Bogleheads.org, the books, the wiki ... Their charge for AUM seems reasonable. Many thanks to all. +1 :) They never asked how we invest, but did express some envy of our vacation travel. Had they asked, I would have told them we travel on the money we avoid paying on AUM fees. I have been ...
by JaneyLH
Sun Jan 21, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 249
Views: 34468

Re: Does anyone here with net worths north of $1 mil use financial advisors?

My FA is Bogleheads.org, the books, the wiki ... Their charge for AUM seems reasonable. Many thanks to all. +1 :) +2 $50k more to play with every year. Just bought a beautiful brand new travel trailer with the money we used to pay our FA for 8 months’ (poor) advice. And much more confident about ou...
by JaneyLH
Wed Jan 17, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 5341

Re: Car accident - was directed to sign release

Since I had uninsured motorist coverage with State Farm, they eventually offered me 5x the amount of my medical expenses. How do you negotiate that, what leverage do you have with your own insurance co Also, was there anything your health insurance wouldnt cover? Do they expect you to pay anything ...
by JaneyLH
Tue Jan 16, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 7328

Re: Hot Water Delay at faucet/shower far from water heater

We have a recirculating system. There is so much drought that I cannot imagine letting the water run and be wasted just to heat it up. Ours is 13 years old and troublefree.
by JaneyLH
Tue Jan 16, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Car accident - was directed to sign release
Replies: 71
Views: 5341

Re: Car accident - was directed to sign release

I was read-ended by a drunk at 10 am while stopped at a red light. The guy hit me at about 45 mph without braking. His airbag inflated but he was chased by a witness until pulled over for driving on the wrong side of the road. Uninsured, of course. Car was totaled. I had whiplash injuries, went to a...
by JaneyLH
Tue Jan 16, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7076

Re: Looking for a reasonably priced, safe international destination

Ireland. You will see that yes, there are many roads to beautiful Dublin. Good luck and thanks for reading / cfs +1 Husband and I traveled there last April. It was unbelievably cheap and probably the most gorgeous country I have seen. People were wonderful. $10/day for stick shift car, $90/day for ...
by JaneyLH
Sun Jan 14, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: Shares Are Wildly Overpriced. But Bonds May Be Even Worse
Replies: 35
Views: 5996

Re: Shares Are Wildly Overpriced. But Bonds May Be Even Worse

I’ve moved from 60/40 to 65/35. And yes, I realize that it will likely make no substantive difference.
by JaneyLH
Sun Jan 14, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1649

Re: Anyone Gone All the Way with LastPass?

I have all of my 400+ unique, randomly constructed passwords in Dashlane. Syncs perfectly across my Windows laptop, Android phone, and iPad. Takes a bit of time to make the transition but I’m very happy I did. Works with both web and device apps.
by JaneyLH
Tue Oct 24, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 8141

Re: Innovis and ChexSystems freeze confirmation letters

Placed freezes for both my husband and myself. After 2 weeks got one letter for me with PIN from Innovis. Called and requested new PIN for him. Called ChexSystems and let them know no letters were received, asked them to reissue PINs. :annoyed
by JaneyLH
Thu Oct 19, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 169
Views: 32854

Re: The Wall Street Journal to close Google loophole entirely

For over a year I had free access to digital WSJ after cancelling out of a cheap trial. When they closed the door I subscribed to the NY Times digital edition and am finding it much more interesting.
by JaneyLH
Thu Oct 19, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: 1st Time Cruise - Princess and wifi
Replies: 23
Views: 2390

Re: 1st Time Cruise - Princess and wifi

When you are move than a few miles from port both phone and wifi need to go by satellite. Think $, or maybe $$$ or $$$$$. It's a vacation. Lose the phone and the email. Agree with all of the above. We did one cruise during a minor family emergency when we did login fairly regularly, but otherwise n...
by JaneyLH
Thu Oct 19, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Visiting the Great Barrier Reef
Replies: 20
Views: 1584

Re: Visiting the Great Barrier Reef

I also spent a week on a live aboard dive boat in the 1990s, and had a spectacular experience. Sadly, I have read that the reef is quite different today and would do some research before I recommended it to anyone today. Google "Great Barrier Reef dead".
by JaneyLH
Thu Oct 19, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Landscapers lack of a permit becomes my problem
Replies: 19
Views: 2747

Re: Landscapers lack of a permit becomes my problem

+1 Contact the contractors licensing board for Florida and lodge a complaint. Contractors have to pull permits for work that requires one. They will contact the contractor and try to convince him to make things right for you. They can eventually pull the license, but they would rather make it go awa...
by JaneyLH
Thu Oct 19, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Am I paying too much for insurance?
Replies: 18
Views: 2111

Re: Am I paying too much for insurance?

+1 for dropping the jewelry rider. You can afford to replace the items. +1 for skipping earthquake coverage. Unless you live in a turn of the century unreinforced brick building, chances are your home would not sustain sufficient damage to exceed the steep deductibles. Modern wood frame have suffici...
by JaneyLH
Wed Oct 18, 2017 10:27 pm
Forum: Investing - Theory, News & General
Topic: "Investment Lessons From The 21st Century"
Replies: 16
Views: 2362

Re: "Investing: What We've Learned This Century"

Thanks Taylor! I'm staying the course!
by JaneyLH
Fri Oct 13, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4960

Re: 2 factor authentication - What if something happens to you?

I still don't understand the risk of sharing my password with my spouse. What would the Vanguard logs of system access show? The IP addresses of the devices used to connect would likely also show up in the logs, not just the login name used for the connection. That and other forensic evidence might...
by JaneyLH
Thu Oct 12, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4960

Re: 2 factor authentication - What if something happens to you?

My question is, if you disclose your login information to your spouse how would Vanguard know? It seems someone would have to tell Vanguard they had done this. If I had a theft of my Vanguard funds and were asked by Vanguard if I had shared my password with anyone, surely my answer would be “no”. A...
by JaneyLH
Thu Oct 12, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 2248

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Skiing in Europe us a bit more challenging than the carefully groomed slopes in the U.S. For a first trip to Europe I'd recommend sticking to the major cities and seeing the classic tourist highlights. The short days are a concern for outdoor activities.
by JaneyLH
Thu Oct 12, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4960

Re: 2 factor authentication - What if something happens to you?

My question is, if you disclose your login information to your spouse how would Vanguard know? It seems someone would have to tell Vanguard they had done this. If I had a theft of my Vanguard funds and were asked by Vanguard if I had shared my password with anyone, surely my answer would be “no”. Am...
by JaneyLH
Mon Oct 09, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: overloaded w/ Goog?
Replies: 10
Views: 1377

Re: overloaded w/ Goog?

Back in 2000 I was sitting on a mountain of stock options with a Silicon Valley firm. Over the past 10 years, the stock did nothing but go up, split, go up, split... until it didn't. By the time I was emotionally ready to act on the bursting bubble, I probably lost about $1.5 million. One word: dive...
by JaneyLH
Thu Oct 05, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 3157

Re: camping trailer...need to change vehicle?

I love Jeep Grand Cherokees and have one now that I tow a big boat with. It works great pulling and OK stopping but going down big mountains is too hard. I live in Tahoe. My boat weighs about 5500 pound all in and it is very tense towing that with the jeep if I go down hills, up is fine. Plus JGCs ...