Search found 286 matches

by JaneyLH
Fri Jul 21, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: cell phone signal booster
Replies: 3
Views: 379

Re: cell phone signal booster

Check out WeBoost (formerly Wilson) cell phone boosters. We use one for travel and it does a good job. Realize that you have to have some signal to boost. Using an antenna with the booster helps even more.
by JaneyLH
Fri Jul 21, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: Continue stock picking or invest in index funds
Replies: 25
Views: 2063

Re: Continue stock picking or invest in index funds

When young, if you move to index funds, you will almost certainly have a great future. If you continue to pick stocks, there is much higher risk of loss. Look at it this way... if you went to a casino and had a hot winning streak and were way up, would you just keep gambling until you lost it? Or wo...
by JaneyLH
Fri Jul 21, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Are my parents a good fit for Vanguard Advisory Services?
Replies: 11
Views: 1249

Re: Are my parents a good fit for Vanguard Advisory Services?

[/quote] I think that like many people, they just aren't aware of how much they are paying and costing themselves. Seeing real numbers in the order of $1,000's a year in costs would open their eyes I assume.[/quote] Amen! That's what did it for me. I was aware there were fees but it wasn't until I a...
by JaneyLH
Tue Jul 18, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 68
Views: 9050

Re: Senior Lifetime National Parks Pass Fee Going Up

The Access Pass for the disabled must be applied for by mail or in person at a national park. For me, the nearest national park is a 2 1/2 hour road trip. Although, I could have walked there and back before I receive it from my mail application One bit of misinformation mentioned in many of these p...
by JaneyLH
Tue Jul 18, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: How I use I-ORP, and who shouldn't
Replies: 37
Views: 3354

Re: How I use I-ORP, and who shouldn't

I couple of years ago I decided to use the Variable Percentage Withdrawal (VPW) method to calculate how much we could afford to spend in retirement. I just found the Optimal Retirement Planner model (i-ORP) today and input our current data. In terms of who should or shouldn't use i-ORP, my husband a...
by JaneyLH
Mon Jul 17, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage on horizon - Question on Pre-Marital $ vs. Post Married $
Replies: 21
Views: 2871

Re: Marriage on horizon - Question on Pre-Marital $ vs. Post Married $

My husband and I sat down with my financial planner a couple months before the wedding and provided her with a list of all assets with statements. She prepared a financial statement listing all our balances. I prepared a pre-nuptial agreement that I modeled after others I found online (I know, I kno...
by JaneyLH
Mon Jul 17, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 43
Views: 2208

Re: How Much Would You Spend on a Blender?

Excellent question. I know people with the Vitamix but never understood what the fuss is about. It would never occur to me to consider for even a second spending that much on a blender. I felt the same way until a girlfriend fixed me delicious hot soup in her Vitamix... took about 5 minutes. Went r...
by JaneyLH
Sun Jul 16, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Jewelry insurance. Is it ever worth it?
Replies: 35
Views: 2910

Re: Jewelry insurance. Is it ever worth it?

I've been insuring my $10,000 engagement ring to a tune of about $100/year for 10 years. Think it's time to cancel that rider. :oops: Why? If you lost it then what? I also have my wifes ring insured to $11k at an annual cost of about $120 I'd probably replace it from my investment portfolio. Not so...
by JaneyLH
Wed Jul 12, 2017 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to Portland, OR
Replies: 26
Views: 2070

Re: Possible Relocation to Portland, OR

I live in Goose Hollow, just behind Providence Park. I love the area. Very walkable. I'm less than a five-minute walk to Fred Meyer, and a ten-minute walk to Trader Joe's, Powell's City of Books (and my brother's condo across the street from Powell's), the Multnomah County Library Central Library, ...
by JaneyLH
Wed Jul 12, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Family member fleecing Alzheimers victim
Replies: 26
Views: 4703

Re: Family member fleecing Alzheimers victim

His clothing and slippers were stolen by the staff. Who is going to risk their job by stealing used clothing? And what are they going to do with it? Just give it away? These days, when there is no relative around to stay with the patient, the patient's stuff goes in a drawstring bag with the patien...
by JaneyLH
Wed Jul 12, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Family member fleecing Alzheimers victim
Replies: 26
Views: 4703

Re: Family member fleecing Alzheimers victim

His clothing and slippers were stolen by the staff. That seems incredibly unlikely. I have had two parents and an uncle in an assisted living facility that supplied laundry service. It is common for residents' clothing to get mixed up. One needs to use an indelible laundry marker to minimize this c...
by JaneyLH
Tue Jul 11, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: Moto G4 Memory
Replies: 10
Views: 749

Re: Moto G4 Memory

I'm looking at new phones and was astounded to see that the best new phones now have 4 GB memory and 256 GB storage! Wasn't long ago that those figures applied to a premium laptop. It's always been the case that new programs and apps continue to require more and more resources; that's why what used ...
by JaneyLH
Tue Jul 11, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Family member fleecing Alzheimers victim
Replies: 26
Views: 4703

Re: Family member fleecing Alzheimers victim

I'm forever grateful to the VA. He had top quality care and we would never have considered moving him. My only experience with the VA was very different. It was in Palo Alto, California -- a place where you would expect good care. It was a horror show. My father-in-law had a stroke and was admitted...
by JaneyLH
Tue Jul 11, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Jewelry insurance. Is it ever worth it?
Replies: 35
Views: 2910

Re: Jewelry insurance. Is it ever worth it?

I've been insuring my $10,000 engagement ring to a tune of about $100/year for 10 years. Think it's time to cancel that rider. :oops:
by JaneyLH
Mon Jul 03, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard recommended Retirement allocation too simple?
Replies: 70
Views: 6262

Re: Vanguard recommended Retirement allocation too simple?

I am 63 and my Vanguard portfolio is a 4-bond portfolio with the same funds you cited. I have 60/40 stocks/bonds and 85/15 domestic/international. There are lots of threads you can read about how much, if any, international to include in your portfolio but your advisor's recommendation is meant to p...
by JaneyLH
Fri Jun 30, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Ideas for a week in Spain
Replies: 42
Views: 2402

Re: Ideas for a week in Spain

My husband and I will have 10 days free after ending an Atlantic crossing in Barcelona next March. Our research and recommendations of friends have led us to consider Ronda. "Ronda sits in the heart of the Serrania de Ronda, about 100kms from the city of Malaga and with a population of approxim...
by JaneyLH
Fri Jun 30, 2017 8:06 pm
Forum: Investing - Theory, News & General
Topic: The Index fund fallacy - what we lost sight of!!
Replies: 55
Views: 6585

Re: The Index fund fallacy - what we lost sight of!!

No, I haven't forgotten that I am investing in real companies.
by JaneyLH
Thu Jun 29, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Contractor took deposit but never did any work. What next?
Replies: 55
Views: 5919

Re: Contractor took deposit but never did any work. What next?

If a licensed contractor, he will be bonded and the state contractors board will establish an administrative action against him. Start there. Lawyer is the next step.
by JaneyLH
Thu Jun 29, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 46
Views: 3775

Re: Stupid Security Questions

gkaplan wrote:I have the questions and answers in the Notes section of LastPass.

+1
by JaneyLH
Thu Jun 29, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 2755

Re: Amazon Echo vs. Google Home: which to get?

I got an Echo as a gift and have enjoyed it way more than I expected. I use an Aeropress to make coffee and steeping time is critical so the timer is used every morning. I also use the shopping list function frequently as I'm cooking... with dirty hands I use up the last of something and ask Alexa t...
by JaneyLH
Wed Jun 28, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Need Credit Card for International Travel
Replies: 45
Views: 2738

Re: Need Credit Card for International Travel

If you are getting a new card and qualify, can get Chase Sapphire Preferred maybe? Nice sign up bonus ($500 or can use as points for generally more value than $500), no fee for first year, no transaction fees, some other benefits. Can cancel before anniversary to avoid fee, and end up with $500 ext...
by JaneyLH
Wed Jun 28, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Headlights & car safety
Replies: 50
Views: 4866

Re: Headlights & car safety

I was surprised to notice that the headlights in my "new" 2015 Jeep Grand Cherokee Summit model were swiveling as I went around curves and turned corners, lighting up the place I was going... kind of creepy at first but actually very cool!
by JaneyLH
Wed Jun 28, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your dividends?
Replies: 16
Views: 1572

Re: Do you check your dividends?

Also never and none. Trust Vanguard to do it right. And I don't balance our checkbook either but that is another topic. +1, +1 From what others have written it seems that when dividend mistakes occur they are auto corrected. I don't rely on dividends to pay the bills so it doesn't bother me if ther...
by JaneyLH
Tue Jun 27, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 93
Views: 12235

Re: Can we/should we afford a $2M house?

You can address the road issue with your landscaping plan. In our case, we bought a lot that has about 200' wide undeveloped common area owned by the HOA behind our lot bordered by another housing development. We constructed a raised planted area incorporating two waterfalls and small trees/shrubs a...
by JaneyLH
Mon Jun 26, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 8317

Re: Where to find a financially like-minded significant other?

I don't think there is a good answer really. If there was such the market would have already swept in (Where have I seen this logic? 8-) ) I was going to suggest meetups that go hiking/camping (Sierra). But that is not fool-proof or a place of high success. But you probably will have fun while tryi...
by JaneyLH
Sun Jun 25, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13317

Re: Anyone else gotten totally bored with investing?

Isn't boredom with investing the whole point of what we're doing? I for one do NOT want to spend the best years of my life slavishly watching the stock quotes. I must admit, I do this sometimes. But when I have something better to do, like enjoy the upscale cruise of a lifetime, I don't worry about ...
by JaneyLH
Fri Jun 23, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Got rear-ended: any reason not to go through my ins?
Replies: 30
Views: 2775

Re: Got rear-ended: any reason not to go through my ins?

I was rear-ended by a drunk driver at 10 am (!) while stopped at a red light. He must have passed out because he hit me going about 45 mph and never braked. Was hit on trailer hitch and frame bent -- totaled the vehicle. He had no insurance and went to state prison (hit and run but was caught immedi...
by JaneyLH
Wed Jun 21, 2017 10:14 am
Forum: Investing - Theory, News & General
Topic: Thoughts about tilting away from the sector you work in?
Replies: 32
Views: 2368

Re: Thoughts about tilting away from the sector you work in?

Personally I work in a tech startup (18,2% of the TSM) that partially pays me in stock options. So theoretically, if the tech sector crashes similar to the dotcom bubble I could lose that part of the TSM, my job and my options become worthless. OTOH tech is so integrated in all parts of life nowada...
by JaneyLH
Sat Jun 17, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Drawdown during retirement
Replies: 15
Views: 2093

Re: Drawdown during retirement

One thing to be sure to understand is how your Social Security will be taxed. https://www.bogleheads.org/wiki/Taxation_of_Social_Security_benefits https://www.bogleheads.org/wiki/Social_Security_tax_impact_calculator It will vary with your situation but the way social security is taxed often makes ...
by JaneyLH
Sat Jun 17, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Drawdown during retirement
Replies: 15
Views: 2093

Re: Drawdown during retirement

My worst case financial scenario is the death of my husband and loss of his pension. Thus, my plan is to take SS at 70 to maximize my income throughout the latter portion of my life. This might justify some form of term life insurance. Note the exposure is constantly decreasing with your age. Fortu...
by JaneyLH
Fri Jun 16, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Drawdown during retirement
Replies: 15
Views: 2093

Re: Drawdown during retirement

My worst case financial scenario is the death of my husband and loss of his pension. Thus, my plan is to take SS at 70 to maximize my income throughout the latter portion of my life.
by JaneyLH
Fri Jun 16, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: house or condo for a frequent traveling family?
Replies: 17
Views: 1741

Re: house or condo for a frequent traveling family?

Does your family travel with you? Condo's don't necessarily appreciate less than single family homes by the way. Thank You for all the feedback, my family does travel with me so the 'lock and leave' does seem very appealing. I thought houses were always a much better investment then condos, could y...
by JaneyLH
Thu Jun 15, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 3976

Re: Best Cheap Champagne

In answering the OP's original question, we have found that "Cooks" champagne (sparkling wine) is by far the "Best Cheap Champagne" we can find. We can appreciate a good french champagne but there are situations where quantity overcomes quality and this fits the bill quite nicel...
by JaneyLH
Wed Jun 14, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 3665

Re: Password Managers

Dashlane has been a great password manager. My husband and I use the same subscription on 2 PCs, 3 mobile devices, managing 500+ separate passwords. Has worked flawlessly.
by JaneyLH
Wed Jun 14, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Guided Solutions Fees
Replies: 46
Views: 6735

Re: Edward Jones Guided Solutions Fees

After joining the Bogleheads and reading several books recommended on their wiki, I ended my lifelong reliance on a financial advisor and moved to a 4-fund portfolio through Vanguard. I immediately restored nearly $50,000 per year from the FA's pocket to my own, irrespective of market results. Retur...
by JaneyLH
Sat Jun 10, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 4527

Re: (Very) Early Retirement vs Parenthood

As a childless early retiree (part-time at 43, full-time at 60) there are so many things I want to say... First, a number of earlier posts have asserted that studies indicate that parents are happier than non-parents. This is not my understanding, and a quick Google search has turned up many studies...
by JaneyLH
Fri Jun 09, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with retirement guru, specializes in federal govt employees
Replies: 72
Views: 7385

Re: Meeting with retirement guru, specializes in federal govt employees

... My understanding is that in order for a spouse to keep FEHB benefits upon the death of the employee they must choose the survivor option. This is probably worth clarifying but, if true, would dramatically increase the value of the survivor benefit. That's correct. However, you can select a tiny...
by JaneyLH
Wed May 10, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 19276

Re: Why save so much for when you're old?

I started maxing out my IRA and 401(k) contributions at 22. In my early 30's, I started investing in taxable accounts. At 43 I started working 24 hours/week in a telecommute arrangement. I moved to Lake Tahoe and started skiing 50 days/year, hiking, and sailing. At 45 I lost that great work gig but ...
by JaneyLH
Sun May 07, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12814

Re: Microsoft, I want my computer back!

I don't have any problem choosing whether or not my stuff should be stored in Onedrive. If you don't want to use it, it sounds like it's a mistake to disable it. I suspect that if it were re-enabled, then normal service would be resumed when it comes to deleting folders. (I've never had this proble...
by JaneyLH
Sat May 06, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12814

Re: Microsoft, I want my computer back!

Just turn OneDrive off. No need to uninstall it. Go to the OneDrive settings and uncheck the box that says "Start OneDrive automatically when I sign in to Windows." Just to be clear... I have unchecked the box and OneDrive is now not operational. The problem is that it won't let me contro...
by JaneyLH
Sat May 06, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12814

Re: Microsoft, I want my computer back!

The issue I have is with One Drive. By default Microsoft wants you to store all your data in their cloud (and of course pay them for all storage over a nominal amount). I got a new laptop and tried to delete all the One Drive folders. I just want a Library folder with sub folders for documents, pic...
by JaneyLH
Sat May 06, 2017 12:43 am
Forum: Personal Consumer Issues
Topic: Motor Home
Replies: 33
Views: 3779

Re: Motor Home

An RV of that size will be difficult to use in most parks, having short spur lengths originally designed to accommodate tent campers. Mostly no hookups. You will find yourself staying in KOAs outside of your true destinations, paying around $70 a night to rent a full hookup site with 50 amp service,...
by JaneyLH
Wed May 03, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12814

Re: Microsoft, I want my computer back!

The issue I have is with One Drive. By default Microsoft wants you to store all your data in their cloud (and of course pay them for all storage over a nominal amount). I got a new laptop and tried to delete all the One Drive folders. I just want a Library folder with sub folders for documents, pict...
by JaneyLH
Wed May 03, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 3298

Re: Visiting Paris for 8 days - what to do?

A couple of offbeat suggestions... The Paris Sewer Tour and the Underground City of the Dead. Have done both and found them very interesting. But the Sewer Tour is not good when the weather is hot.
by JaneyLH
Wed May 03, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Portfolio
Replies: 4
Views: 588

Re: Wells Fargo Portfolio

I'm a Wells Fargo customer. Before travel I get the cash I anticipate I will need, either by ATM or by ordering foreign currency at my branch. I use credit cards for the most part, including those with no foreign transaction fees. They either have the foreign currency on hand or can get it within 48...
by JaneyLH
Wed May 03, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: First Milestone of many!
Replies: 11
Views: 2038

Re: First Milestone of many!

Celebrate them all! (And there will be many to come.) Congratulations! :beer
by JaneyLH
Mon Apr 24, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home in the Bay Area
Replies: 28
Views: 3687

Re: Buying a home in the Bay Area

I lived and worked in technology jobs in the Bay Area from 1975 - 2000. I bought my first home in Saratoga: purchase price $54,000, sales price $78,000 :happy My second home was in San Francisco: purchase price $106,000, sales price $345,000 :D Third home was in Pacifica: purchase price $420,000, s...
by JaneyLH
Mon Apr 24, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Orlando Disneyland advice
Replies: 21
Views: 1810

Re: Orlando Disneyland advice

Look for "After Hours" events at the Magic Kingdom. They offered them the first 3 months of 2017, but perhaps they might revive them later in the year. We went in February and were treated to 4 hours, from 7-11 pm with almost NOBODY in the park from the 8-11 pm period. It cost about the sa...
by JaneyLH
Mon Apr 24, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2508

Re: National Parks in Northern CA

Sadly, summer is a terrible time to visit Yosemite. There are fleets of buses bringing in day-use tourists that overrun all of the Valley facilities... and it starts in April. Last year in mid-April I was stuck in traffic jam for an hour and a half trying to get back to our campsite just a couple mi...
by JaneyLH
Mon Apr 24, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home in the Bay Area
Replies: 28
Views: 3687

Re: Buying a home in the Bay Area

I lived and worked in technology jobs in the Bay Area from 1975 - 2000. I bought my first home in Saratoga: purchase price $54,000, sales price $78,000 :happy My second home was in San Francisco: purchase price $106,000, sales price $345,000 :D Third home was in Pacifica: purchase price $420,000, sa...

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