Search found 321 matches

by JaneyLH
Tue Oct 24, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7048

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: 155
Views: 25734

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: 1994

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: 1389

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: 2488

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: 1821

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: 2104

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: 4279

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: 4279

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: 1893

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: 4279

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: 1236

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: 2764

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 ...
by JaneyLH
Tue Sep 26, 2017 11:18 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 12953

Re: Any "average Joe" here actually make out well with individual stocks?

There is a big benefit to people who own a minimum of 100 shares of stock in the cruise ship lines and then sign up for a cruise on that line. I've owned 100 shares of Carnival for many years and have gotten cabin credits on a number of cruises. I thought, why not sign up for RCL, since Royal Caribb...
by JaneyLH
Mon Aug 21, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 37
Views: 2735

Re: Possible January trip to Naples, Italy / Amalfi Coast

DW and I went to Italy 2 years ago. Venice, Florence, Rome and Pompei. We took a Rick Steves tour for the first 3 cities and then at the end...took the fast train down to Naples and the regional train over to Pompei for a day. We didn't stay in Naples very long....but after our Pompei visit, we too...
by JaneyLH
Wed Aug 09, 2017 12:08 am
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 6709

Re: Time to leave our dentist??

I have read through the responses here and hope that no-one reading this uses ANY of the information in the comments to make a decision about their dental health (except for YoungDentist, good job). There is so much misinformation and ignorance it is mind blowing. First off, to the op, no-one, not ...
by JaneyLH
Tue Aug 08, 2017 11:52 pm
Forum: Personal Consumer Issues
Topic: Metal vs Vinyl sheds
Replies: 25
Views: 1961

Re: Metal vs Vinyl sheds

We also live in the SF Bay Area, and recently purchased a Lifetime brand 8x8 vinyl shed from Costco. The panels are heavy duty and click-lock together and than get screws (included). It has a floor and seems VERY well engineered. It weights just about 500 pounds. After assembly, it feels very solid...
by JaneyLH
Tue Aug 08, 2017 11:48 pm
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 79
Views: 8216

Re: Drinking water price craziness

dm200 wrote:I refuse, in almost all situations, to use bottled water. I believe that tap water, in 99%+ locations is just as safe (or safer) than bottled water.
Unless you live in my municipality where unsafe levels of cyanide are routinely reported. PH levels are way down my list of concerns.
by JaneyLH
Tue Aug 08, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 6577

Re: Delta priority boarding - first timer

You could do what my buddy does regardless of which airline he flies. When they call (usually first boarders) for folks who need extra time [read: disabled] getting down the jetway, he saunters right up. He never pays extra for early boarding and always gets early boarding. When I asked him, "What ...
by JaneyLH
Tue Aug 08, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Leather couch, dog scratches -- help?
Replies: 20
Views: 1934

Re: Leather couch, dog scratches -- help?

I've had 2 leather couches for about 20 years each, with dogs who were allowed on the furniture. If the dogs don't scratch or try to dig a tunnel, I've found there is no problem with leather. A couple of fabric chairs, however, tell a different story. Fabric is not nearly as tough as leather and wil...
by JaneyLH
Mon Aug 07, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 8443

Re: kids think lazy if retire?

. Will they continue to respect me if I’m not working---just minding my own business, catching up on shows, books, reestablishing friendships etc.)?? I think part of the response is to this. How many stay at home parents would describe their day this way. I would think you are sending a certain mes...
by JaneyLH
Mon Aug 07, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 8443

Re: kids think lazy if retire?

I think it's a little odd to quit what seems to be an extraordinary flexible and high-paying job at 50 to mostly sit around and watch movies. Most people can't just take time off during the week, assuming you've hit your max 2 or 3 weeks annual vacation by now. And 30x seems light to me at that age...
by JaneyLH
Sat Aug 05, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 6452

Re: Anyone else have trouble spending?

Jeep has questionable reliability lately. My 2015 Jeep Grand Cherokee Limited 4X4 has been utterly reliable, indeed the most reliable car I've ever owned. I love it so much. I bought a brand new 2015 Jeep Grand Cherokee Summit a year ago and have driven 15,000 miles on it -- much towing a trailer. ...
by JaneyLH
Sat Aug 05, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Organizing small electronics (portable mp3 players)
Replies: 11
Views: 962

Re: Organizing small electronics (portable mp3 players)

I bought a linen organizer box at the Container Store and use it for just this purpose!
https://www.containerstore.com/s/linen- ... izer%20box
by JaneyLH
Sat Aug 05, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: "National Parks senior passes in short supply."
Replies: 34
Views: 3904

Re: "National Parks senior passes in short supply."

DW and I each have them. Can the pass be replaced if lost, damaged, dog ate it, etc.? From the way the pass looks (with a number and my full name), it seems that they know we have the passes. I just went and got a second pass with just that in mind. For $10 I'll put the second one away somewhere sa...
by JaneyLH
Sat Aug 05, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 6452

Re: Anyone else have trouble spending?

Jeep has questionable reliability lately. My 2015 Jeep Grand Cherokee Limited 4X4 has been utterly reliable, indeed the most reliable car I've ever owned. I love it so much. I bought a brand new 2015 Jeep Grand Cherokee Summit a year ago and have driven 15,000 miles on it -- much towing a trailer. ...
by JaneyLH
Sat Aug 05, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 177
Views: 18187

Re: Tesla - next big lottery ticket ?

A year ago I bought 100 shares of Royal Caribbean stock so I could get a cabin credit when I cruise on one of their ships. I thought it was a little expensive at $68 compared with the shares I purchased in Carnival a few years back at $39 for the same reason. (I've since gotten about $1000 cabin cre...
by JaneyLH
Fri Aug 04, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 3258

Re: LastPass Premium price increasing

And here's a quote from a current review of Lastpass from Engaget: "But LastPass has had some security issues in the past including bugs affecting Firefox and Chrome and one that could allow passwords to be stolen." Hmmm... a password manager that allows passwords to be stolen. :oops: The one about...
by JaneyLH
Thu Aug 03, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 3258

Re: LastPass Premium price increasing

Dashlane costs $39 annually for unlimited number of devices. My husband and I share a Dashlane account with 2 PCs, an iPad, 2 smartphones, and 2 iPod Touches (still have some use for us). We have nearly 500 passwords stored plus all our credit cards and IDs (passports, Social Security, Known Travele...
by JaneyLH
Mon Jul 31, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"
Replies: 54
Views: 7517

Re: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"

The Priority Pass Lounges are horrific compared to a "real" lounge offered by American Express or any of the major airlines. A lounge that accepts Priority Pass is certainly better than nothing, but I've been very underwhelmed when visiting them in PHX, JFK, HNL, etc. I value that at maybe $10 a pe...
by JaneyLH
Mon Jul 31, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"
Replies: 54
Views: 7517

Re: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"

Get free entrance to airline lounges at almost every airport with a companion, worth $59 x 2 every time we use it. Would you say that $59 x 2 is a fair price for those lounges that you'd be willing to pay if you didn't have the card? I have yet to find a PP lounge that I would pay more than $20 per...
by JaneyLH
Fri Jul 28, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"
Replies: 54
Views: 7517

Re: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"

My husband and I both got these cards. We just cancelled his card after he got his 100,000 mile bonus, TSA Precheck, and $300 in travel credit. I love this card and definitely will keep mine! Get free entrance to airline lounges at almost every airport with a companion, worth $59 x 2 every time we u...
by JaneyLH
Thu Jul 27, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Excess Rental Car Insurance in Europe
Replies: 16
Views: 1399

Re: Excess Rental Car Insurance in Europe

Even the regular AMEX card provides primary rental car insurance in Europe. The only exception I know is particular countries, most of which begin in the letter I. The premium car insurance is mainly an advantage in the US, where it is primary insurance. Apart from the excluded countries, I never f...
by JaneyLH
Tue Jul 25, 2017 11:41 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 34970

Re: John Bogle Has Been Right About Investing In International Stocks

I moved from a FA and fee-laden funds to a 4-fund portfolio a couple years ago. I have a loss on Total Bond Market Index Fund and a nice gain in my International Bond Market Index Fund. I'm currently at 15% international but rethinking this allocation
by JaneyLH
Mon Jul 24, 2017 12:44 am
Forum: Personal Consumer Issues
Topic: State Farm vs Penn National- auto, renters, umbrella?
Replies: 58
Views: 6092

Re: Why does State Farm have poor reviews?

I don't think the poor reviews are based on their price, but rather on their service. If you never have a claim, you have no need to be concerned about customer service. I've had one claim for a total loss car plus medical from an uninsured motorist, two roof leaks, and damage to my sailboat by a d...
by JaneyLH
Fri Jul 21, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: cell phone signal booster
Replies: 3
Views: 482

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: 26
Views: 2717

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: 1412

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: 77
Views: 11146

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: 127
Views: 12606

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: 24
Views: 3641

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: 2836

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: 42
Views: 4927

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: 2421

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: 5112

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: 5112

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: 9
Views: 861

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: 5112

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: 42
Views: 4927

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: 7349

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...