Search found 49 matches

by Jim Beaux
Sun Sep 01, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: Diminshed value claim
Replies: 12
Views: 1072

Re: Diminshed value claim

pennylane wrote:
Sun Sep 01, 2019 3:10 pm
Diminished value of a car is 10% of market value. It may not be worth fighting for.
Seems the insurance company doesnt have the same opinion. :happy
by Jim Beaux
Sun Sep 01, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Diminshed value claim
Replies: 12
Views: 1072

Re: Diminshed value claim

My wife's brand new 2000 Honda Accord was hit by an uninsured driver (Texas). After the deductible the balance was around 3K. The car listed for $25K and I expected 10% DV ($2500) The insurance company told me they didnt pay DV. I told them they would. They danced around with me and thought they cou...
by Jim Beaux
Wed Aug 14, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Rent vs. Buy - Running the numbers, what am I missing?
Replies: 55
Views: 4124

Re: Rent vs. Buy - Running the numbers, what am I missing?

Long time lurker, first time poster. I apologize for another rent vs buy post but I've searched the forum and can't find anything specifically telling me I'm way off in my analysis so I am hoping you all can tell me one way or another. We are 31 and 28 with a 6 year old currently enjoying our 2br/2...
by Jim Beaux
Tue Aug 13, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9645

Re: Critique my exercise routine because it's not working for me

Losing weight is almost entirely driven by diet. My opinion would go against popular belief here in this thread. From many years of tweaking diets and working out, I realize that the best route is building muscle. This works for both men and women. Not only building up muscle allows you to have mor...
by Jim Beaux
Sun Aug 11, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10867

Re: Healthy fast food

El Pollo Loco 2 piece roasted chicken Tossed salad which I topped with salsa Broccoli - large portion Tortilla $5 Inexpensive, healthy, satisfying ------------------------------------------ Frys Food One chicken breast, rotisserie Two sides - squash and green beans Roll $4.75 More food than El Poll...
by Jim Beaux
Sat Aug 10, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Budget Rental Cars Left Me Stranded--Prevention ?
Replies: 42
Views: 2734

Re: Budget Rental Cars Left Me Stranded--Prevention ?

But it's not a commons I created - the rental companies set all of the terms and conditions and control how they manage booking, so I'm just playing by their rules. I wonder how you would run a car rental company that has customers like you. :twisted: That doesnt matter, Im gonna play by the rules ...
by Jim Beaux
Sat Aug 10, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9645

Re: Critique my exercise routine because it's not working for me

I've been doing the following exercise routine for about 9 months now with only minor progress (i.e., loss of belly). Specifically, I am not looking for weighing less on the scale but the "pants test" - my pants should feel looser. Day 1 - 40 mins of cardio (some combo of treadmill/elliptical, but ...
by Jim Beaux
Sat Aug 10, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 13047

Re: Amazon -- no longer the lowest prices, evidently

Amazon hasn't been the low price spread in quite a while. If price is your goal, you really have to pay attention. I agree with this. The Amazon interface is very simple to search, compare, and read reviews on just about any item imaginable; however, the item you ultimately want to purchase can usu...
by Jim Beaux
Sat Aug 10, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Budget Rental Cars Left Me Stranded--Prevention ?
Replies: 42
Views: 2734

Re: Budget Rental Cars Left Me Stranded--Prevention ?

But it's not a commons I created - the rental companies set all of the terms and conditions and control how they manage booking, so I'm just playing by their rules. I wonder how you would run a car rental company that has customers like you. :twisted: That doesnt matter, Im gonna play by the rules ...
by Jim Beaux
Sat Aug 10, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10867

Re: Healthy fast food

Basically, all restaurant food is intended to get you to come back, not serve your health. So though I try to eat carefully, Im not gonna deprive myself from a decent filling meal. Poison is poison so you can only moderate it. Some of my go to's are Crackerbarrel, grocery store salad bars and cafete...
by Jim Beaux
Wed Jul 31, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 157
Views: 10153

Re: Ethics of "bonus payback" when quitting a job

Basically, as I understand the issue, the current employer is demanding a return of income that was previously earned a year ago?? -- Naw man! Not today without a fight kemosabe! Its common for employers to include items in employee contracts that wont stand in court. (many non compete clauses are u...
by Jim Beaux
Wed Jul 31, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: ER visit added office fee to bill
Replies: 12
Views: 1109

Re: ER visit added office fee to bill

A few years ago I was admitted to a SE Texas hospital and the ER doc was a contractor who lived in Las Vegas. He rotated with other docs on a 2 weeks schedule. My insurance also wouldnt pay for the "out of network" labs (also on contract), until I fought with them & explained that there was no choic...
by Jim Beaux
Sun Aug 12, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 21072

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

I agree we will never be 100% secure, but the bad guys generally focus on low hanging fruit. Why would they spend a lot of time & effort trying to break through 5 doors when there are so many having but 1? 2FA isn't really a "second door." I know my earlier posts had a lot of text, so if you take a...
by Jim Beaux
Sun Aug 12, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 3588

Re: Used Car Negotiation

I grew up in the car business & worked in new & used car sales for 3 yrs. Know the car market for the model youre looking at. Determine your price and then check the car out. [...] Sorry, but this is a terrible idea and has been discredited on this forum multiple times. The worst thing to do is wha...
by Jim Beaux
Sun Aug 12, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 3588

Re: Used Car Negotiation

I grew up in the car business & worked in new & used car sales for 3 yrs. Know the car market for the model youre looking at. Determine your price and then check the car out. Once you sit down with the salesman make an offer $500-$800 below what you are willing to pay and write a check for the amou...
by Jim Beaux
Sun Aug 12, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 21072

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

Vanguard says that if I choose the option "Restrict unrecognized computers, browsers, or mobile devices from accessing my accounts,"... if you change browsers or delete cookies or offline content, your computer may become unrecognized. To access your accounts using an unrecognized device, you'll ne...
by Jim Beaux
Sun Aug 12, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 21072

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

I agree we will never be 100% secure, but the bad guys generally focus on low hanging fruit. Why would they spend a lot of time & effort trying to break through 5 doors when there are so many having but 1? Remember the old joke about the hungry bear charging up a mountain after 2 hikers. One says to...
by Jim Beaux
Sat Aug 11, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 21072

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

I spoke with a VG IT/Security tech earlier in the week regarding the YubiKey. He said I could use it if I wanted, but since I was enrolled in VPA services any transactions would be via phone using voice authentication. He also said that a request to transfer funds to a bank or mailing address not on...
by Jim Beaux
Sat Aug 11, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 3588

Re: Used Car Negotiation

Keep in mind youre dealing with a professional, he talks to several people like you every day. You cant beat him at his own game unless he lets you. Probably not every day. I was in a dealership and they told me they sold only one single car that day when I picked my car up after hours. While I was...
by Jim Beaux
Sat Aug 11, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 3588

Re: Used Car Negotiation

Keep in mind youre dealing with a professional, he talks to several people like you every day. You cant beat him at his own game unless he lets you. Probably not every day. I was in a dealership and they told me they sold only one single car that day when I picked my car up after hours. While I was...
by Jim Beaux
Fri Aug 10, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 3588

Re: Used Car Negotiation

I grew up in the car business & worked in new & used car sales for 3 yrs. Know the car market for the model youre looking at. Determine your price and then check the car out. Once you sit down with the salesman make an offer $500-$800 below what you are willing to pay and write a check for the amoun...
by Jim Beaux
Tue Aug 07, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Facebook asking banks for customer date "to offer more services" !?
Replies: 15
Views: 1124

Re: Facebook asking banks for customer date "to offer more services" !?

Q.What commodity does Facebook sell?
A. Its members.

I avoid it like the plague.
by Jim Beaux
Tue Aug 07, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 38
Views: 5265

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

Im not a lawyer but look into the possibility of your father paying an extra $25 for a notarized "Hold Harmless Agreement" signed by both parties.
by Jim Beaux
Tue Aug 07, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7743

Re: DW job in dangerous area

No help from google or wikipedia. Im being sincere. Its more important to me to know the law then it is to win a debate- and with that in mind, I cant find any federal statute prohibiting a gun in the car in a school parking lot. Okay, here you go, in brochure form from ATF so you can print it out:...
by Jim Beaux
Thu Aug 02, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7743

Re: DW job in dangerous area

She probably wouldn't be able to get a permit to do that at school and the penalty for doing so illegally is up to $5k or 5 years under federal law and she would almost certainly lose her job, as well, which undermines taking the job in the first place. Youre mistaken. In regards to gun carry, fede...
by Jim Beaux
Thu Aug 02, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7743

Re: DW job in dangerous area

But a gun, learn how to shoot, carry the gun. She probably wouldn't be able to get a permit to do that at school and the penalty for doing so illegally is up to $5k or 5 years under federal law and she would almost certainly lose her job, as well, which undermines taking the job in the first place....
by Jim Beaux
Thu Aug 02, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7743

Re: DW job in dangerous area

But a gun, learn how to shoot, carry the gun. She probably wouldn't be able to get a permit to do that at school and the penalty for doing so illegally is up to $5k or 5 years under federal law and she would almost certainly lose her job, as well, which undermines taking the job in the first place....
by Jim Beaux
Sun Jul 29, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Where do you find the cheapest contact lenses?
Replies: 16
Views: 2066

Re: Where do you find the cheapest contact lenses?

I wear the 30 day, Air Optix Night & Day Aqua. I sleep in them & hardly take them out.

Best price Ive found is https://www.contactlensking.com/

One year supply -
Sub Total $119.80
Processing Fees $7.96
Shipping $7.95
Handling $0.00
Total $135.71
by Jim Beaux
Fri Jul 27, 2018 8:34 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 21072

Re: Security code [Vanguard website access]

As some above have mentioned, Vanguard offers the option of using a security key & I am probably going to go that route. Seems our cell phones can be hacked. Port out scam—an expression derived from the concept of porting a number from one carrier to another—and is also known as SIM swapping or hija...
by Jim Beaux
Sat Jun 09, 2018 8:16 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 150
Views: 25727

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

He doesn't say, in so many words, "do not invest in international stocks." He says Indeed, who has ever benefited during the past 237 years by betting against America? If you compare our country’s present condition to that existing in 1776, you have to rub your eyes in wonder. And the dynamism embe...
by Jim Beaux
Wed Feb 07, 2018 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Recently divorced trying to clear all of my credit card debt.
Replies: 46
Views: 3577

Re: Recently divorced trying to clear all of my credit card debt.

Expense wise, there is some fat you can reduce. 1. Look for cheaper rent 2. Reduce your utility usage. Raise the thermostat in summer & lower it in winter. Do not run the water 5 seconds more than you need to, be a miser with the electricity. 3. If you own your phone out right find a cheaper cell ph...
by Jim Beaux
Mon Feb 05, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 7811

Re: Potential employer wants me to give offer - how to respond?

If there is a head hunter involved ask him what he knows. He wants to close a deal & just might be willing to help you. -- Worked for me a few times.
by Jim Beaux
Mon Jan 29, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 12314

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

It's all water off a ducks back if you judge me. :) I dont use my 6-7 yr old BB for anything that could cause me grief. I keep the WiFi & bluetooth off and the handset is pw protected. Do you use Multi Factor Authentication for financial websites? Do you use SMS as the MFA mechanism and have it sen...
by Jim Beaux
Sun Jan 28, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 12314

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I read this thread and shake my head. I don't know how you could be proud of using devices that stopped getting security updates in some cases years ago. Doesn't matter if you are careful about what sites you visit or apps you install. You are putting everything you have on your phone at risk by us...
by Jim Beaux
Sat Jan 27, 2018 7:06 pm
Forum: Personal Investments
Topic: Have Enough, Should I now time market?
Replies: 31
Views: 4818

Re: Have Enough, Should I now time market?

Only minutes ago I recommended VPA to another Boglehead. https://investor.vanguard.com/advice/personal-advisor Ive turned over most of my retirement portfolio to Vanguard Personal Advisor & so far I like. Considering the low fee, (0.30%)I view it as good investment. In essence, I "bought the market"...
by Jim Beaux
Sat Jan 27, 2018 6:39 pm
Forum: Personal Investments
Topic: Municipal Bonds - 100% When All You Need is the Income
Replies: 55
Views: 8318

Re: Municipal Bonds - 100% When All You Need is the Income

Somehow everything in munis just can't be right. That's what's got me posting here. Something is nagging at me . . . and I guess I have my answer. Thank you (to all). As some on the thread have stated- you are too heavy in one sector; and that may be a higher price to pay than the tax advantage. I ...
by Jim Beaux
Sat Jan 27, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 12314

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

<<SNIP>> Me? I've got my trusty little (and it *is* nice and *small*!) BlackBerry, with a nifty little keyboard that my fingernails can click on quite easily. And i can *feel* when the little keys depress, just like with my nice Olympic typewriter. RM :sharebeer Bought my Blackberry Bold 9930 in 20...
by Jim Beaux
Mon Dec 04, 2017 9:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 8304

Re: Vanguard customer service reps need some training

Just venting here since I can't call and talk to representative until Monday. I did an exchange (in my Roth account) yesterday over the phone. I wanted to clear out one of my funds since it overlaps with our 401k holdings and put the money to three other Roth funds that I already had in that accoun...
by Jim Beaux
Thu Oct 26, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Discussion Forum?
Replies: 31
Views: 4121

Re: Social Security Discussion Forum?

I use the free Keepass, an open source password manager & it has made my life much easier. It will generate encrypted, random generated passwords that complies with each website formats. I only have to remember 1 password to open keepass. Thanks, but I'm unsure how that relates to our discussion. I...
by Jim Beaux
Thu Oct 26, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Discussion Forum?
Replies: 31
Views: 4121

Re: Social Security Discussion Forum?

I use the free Keepass, an open source password manager & it has made my life much easier. It will generate encrypted, random generated passwords that complies with each website formats. I only have to remember 1 password to open keepass. When I go to log on I merely key ctrl-alt-A and depending on ...
by Jim Beaux
Wed Oct 25, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Discussion Forum?
Replies: 31
Views: 4121

Re: Social Security Discussion Forum?

What do YOU call that form of authentication? I just call it authentication. I'm not in tech and have never seen or heard of KBA until I read this. There are many kinds of authentication - what do people call that particular kind, say in a discussion on Bogleheads or if you're calling tech support ...
by Jim Beaux
Wed Oct 25, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance company will not process policy due to "unknown" cause of death
Replies: 14
Views: 3610

Re: Insurance company will not process policy due to "unknown" cause of death

Im not qualified to give advice, the options I would pursue are:

Contact the State Board of Insurance & see what it can do.
Contact the attending physician & see if he can provide any assistance.
Check the policy & see if it had exclusionary clauses such as suicide, etc.

Good luck
by Jim Beaux
Wed Oct 25, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 76
Views: 52892

Re: Is a security freeze at Innovis really needed?

Where will this end? Our personal credit history has been accumulated by others without our permission & is sold to others-again without our permission. In the majority of the states, if we want to protect this info we are charged a fee. A fee to protect something we never agreed for them to have - ...
by Jim Beaux
Wed Oct 18, 2017 6:52 pm
Forum: Investing - Theory, News & General
Topic: About Vanguard advisors: opinions, thoughts?
Replies: 78
Views: 10939

Re: About Vanguard advisors: opinions, thoughts?

I turned my portfolio over to VPA in Nov last year. My advisor was patient, listened and then made a follow up appointment to review the plan. Ive held VHT (An ETF) for a while & still wanted to hold it. My advisor resisted and during the debate, asked my reasons for keeping it. After explaining my ...
by Jim Beaux
Tue Sep 19, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Rental Property Decision
Replies: 30
Views: 2592

Re: Help With Rental Property Decision

Ive been a homeowner most of my life, but 20 yrs ago I sold my home & moved into a upper middle class duplex complex for 1 yr before buying another home. I was surprised at the mindset of most of my fellow tenants- 'not mine, not my problem' . No one took any interest in the property & viewed it as ...
by Jim Beaux
Sun Sep 17, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Insurance - Progressive
Replies: 7
Views: 1035

Re: Switching Insurance - Progressive

Progressive Ins has given me better service than I expected. Ive been with them over 10 yrs on cars & boat. My boat was a 32' sailboat that I lived aboard at times. In 2008 Hurricane Ike wiped my marina out with over 100 other boats damaged. Many of my boat neighbors were surprised at how well beyon...
by Jim Beaux
Sun Jul 23, 2017 9:21 pm
Forum: Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 166
Views: 15095

Re: Can anyone convince me I need international stock in my portfolio?

One of the above posters said "buy the world" and that is good advice. Another question is just who is in the international stock community. I have VTIAX in my portfolio (17.9% to date) & it includes companies that are recognized world leaders ie: Nestle, Samsung, Roche, Toyota, Shell, Bayer, Siemen...
by Jim Beaux
Sun Jul 23, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Best value used sailboat 22-27 feet
Replies: 10
Views: 2689

Re: Best value used sailboat 22-27 feet

Ive been sailing for 30+ years along the southeast Tex upper coast. For the past 10 years I kept my 32' CC Oday on Galveston Bay. I have lived aboard & was an active member of the boating community. My experience is a combination of my & the experiences of the hundreds of my marina neighbors. 1. Woo...