Search found 728 matches

by JPH
Wed Jun 20, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1003

Re: Cataract surgery - one or two?

I would opt for two surgeries. If you had a serious complication on the first eye, then you might view the risk of doing the second one differently.
by JPH
Mon Jun 18, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Wills & Trust Lawyer
Replies: 8
Views: 840

Re: Wills & Trust Lawyer

OP, I feel your pain. I'm going through the same process. I was advised to screen using the Martindale site https://www.martindale.com/ but I have not found it very easy to use. It links to the attorney's website but almost all attorneys in my area list trusts and estates as one of their practice ar...
by JPH
Mon Jun 18, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 39
Views: 2419

Re: "distilled" water for wife's CPAP machine

Don't do it. Treat your wife to some distilled water.
by JPH
Wed Jun 13, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16039

Re: Should I take possession of a certified mail?

I would not pay a deposit to a contractor. I would pay when the work is done to my satisfaction.
by JPH
Mon Jun 11, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Allowance [Giving allowance to child]
Replies: 28
Views: 2165

Re: Allowance [Giving allowance to child]

Learning to spend is just as important as learning to save. Don't forget to teach her how to evaluate the cost of what she wants, compare that to how much $ she has, exchange her money for the item, count her change, decide what to do with the remainder, & etc. Ask her, "Did you get a fair deal?" "A...
by JPH
Sun Jun 10, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: John C. Bogle explains his interpretation of RTM (reversion to mean)
Replies: 11
Views: 2253

Re: John C. Bogle explains his interpretation of RTM (reversion to mean)

I agree with most of that. But what you are describing sounds like what I'm calling a measurement error phenomenon? The index is supposed to measure the true mean value of the market, but sometimes it can go way off. You say it's neither skill nor chance. I don't think a small random component can b...
by JPH
Sat Jun 09, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: John C. Bogle explains his interpretation of RTM (reversion to mean)
Replies: 11
Views: 2253

Re: John C. Bogle explains his interpretation of RTM (reversion to mean)

As I was reviewing Bogle's "Twelve Pillars of Wisdom" in his book Bogle on Mutual Funds published in 1994, I recalled this thread while reading #7, The Powerful Magnetism of the mean. In the world of investing, the mean is a powerful magnet that pulls financial market returns toward it, causing retu...
by JPH
Sat Jun 09, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2557

Re: Foreign language immersion daycare

Consider how you personally react during a high traffic commute. Do you sit with teeth clenched and a white knuckles grip on the steering wheel, or can you enjoy the ride by chilling out with an audio book, music, or good radio broadcast?
by JPH
Sat Jun 09, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 5428

Re: Jack Bogle on Fox Business Channel Friday June 8

Louis Rukeyser did nothing but promote active management, trying to beat the market, frequent trading, and following the economic forecasts of "experts" (even if known as "elves"). Yet, he show was enjoyable. Does anyone remember Jack Bogle as a guest on Louis Rukeyser? If he was ever on, then I wo...
by JPH
Sat Jun 09, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 26
Views: 2061

Re: College: extraneous expenses

It looks like your tuition, room, & board are covered. But what about fees? Some schools levy very heavy fees on top of tuition. Notice the current post on renters insurance for college dorm.
by JPH
Thu Jun 07, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Adding my name to deed (parents house)
Replies: 22
Views: 1559

Re: Adding my name to deed (parents house)

I'm not an expert, but I recall reading that parents should never put their child's name on their deed. The reasoning is that if done, then creditors, divorced spouse, IRS, lawsuits, & whatever can make trouble for the parents by coming after the child's share of the house. Maybe some expert can com...
by JPH
Sun Jun 03, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Car drove through our home - some questions on insurance and restitution
Replies: 26
Views: 3280

Re: Car drove through our home - some questions on insurance and restitution

When one of my teenagers took out part of a chain link fence, the owner impounded my car and refused to release it until a new fence was erected at my expense. I called the police, and they told me he had a right to do that. I scheduled the repair and paid quickly.
by JPH
Sun Jun 03, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: want to buy a larger bed
Replies: 14
Views: 1281

Re: want to buy a larger bed

My son is tall, and he is hanging on to an old waterbed because his feet don't hang off the end. I don't know if they are even made anymore.
by JPH
Sat Jun 02, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Gold Chain necklace, authentic gold
Replies: 10
Views: 1121

Re: Gold Chain necklace, authentic gold

Costco offers a variety online. I searched under gold necklace.
by JPH
Fri Jun 01, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15244

Re: Top Shelf Liquor Overrated?

In the days when I did consume alcohol, I could never tell the difference. Have someone do a "blind" test. This is the key answer - if you cannot tell the difference in a blind test there is no reason to pay for it. If you can tell the diffrence you can make the judgement whether it is worth the ex...
by JPH
Wed May 30, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Recommend new TV for 93 year old lady
Replies: 28
Views: 1927

Re: Recommend new TV for 93 year old lady

Do pay attention to the audio quality. The speakers that come in some of the thin TVs are inferior. Some have the speakers on the front, which I think is better. Or you can add external speakers.
by JPH
Wed May 30, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Roadside assistance coverage?
Replies: 12
Views: 641

Re: Roadside assistance coverage?

Thanks to all! Note: our American Express platinum card offers 24 hour hotline assistance, but the cardholder pays the vendor provides the services. I do something similar to this offered by my insurance company. I call their number, and they send someone (hopefully somewhat vetted) to my location;...
by JPH
Sun May 27, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Leave career (fortune 200) and join the peace corps?
Replies: 29
Views: 3338

Re: Leave career (fortune 200) and join the peace corps?

I encourage you to do it if you think the experience will have value to you. I would try to put a $ value on the difference this choice might have on your future net worth. You should do that just to be fair to yourself and to be sure you are making a fully informed decision.
by JPH
Fri May 25, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 7861

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

I saved and invested as much as I could, and I'm trying to make it last as long as possible. That's about all I can do at this point.
by JPH
Sun May 20, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 12423

Re: Helping Adult Children (but not too much)

What do you mean by "too much?" What are your concerns? If you are afraid you will "spoil" her, I doubt that your gift would have that much power. I think I view it like having someone spot you while weight lifting. If you're trying to lift a heavy weight, your goal is to do it yourself, but there ...
by JPH
Sun May 20, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 12423

Re: Helping Adult Children (but not too much)

What do you mean by "too much?" What are your concerns? If you are afraid you will "spoil" her, I doubt that your gift would have that much power.
by JPH
Fri May 18, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: prearranged funeral plans-Neptune Society
Replies: 10
Views: 1003

Re: prearranged funeral plans-Neptune Society

I have used Neptune Society once. I had made no pre-arrangements. The person died in a hospital. I just made a phone call. They picked up the remains, performed a cremation, and returned the ashes to me. I was very satisfied.
by JPH
Wed May 16, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Free skin cancer screenings
Replies: 26
Views: 2347

Re: Free skin cancer screenings

If this is free, then I don't see a downside. I understand that statistically speaking, screenings do not save many lives. They are very beneficial to the dermatologist/pathologist, very bad for the insurance carrier, and pretty neutral for the patient. Yet, I do the annual screening with my dermato...
by JPH
Wed May 16, 2018 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 8144

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Perhaps your friend has been bombarded by the same TV commercials that I constantly see. I have seen those for quite some time now and no crash yet.
by JPH
Tue May 15, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: John C. Bogle explains his interpretation of RTM (reversion to mean)
Replies: 11
Views: 2253

Re: John C. Bogle explains his interpretation of RTM (reversion to mean)

I understand his headwind theory. But what is proposed as the tailwind that propels the managed fund above the S&P500 median?
by JPH
Tue May 15, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Bringing individual assets into joint account
Replies: 27
Views: 1109

Re: Bringing individual assets into joint account

It would be like a gift to your wife. She could use it as she pleases. If you have no hesitancy about such a gift, then do it.
by JPH
Tue May 15, 2018 11:33 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9879

Re: Yes, I'm 89 all right!

Happy Birthday. And thank you for your leadership.
by JPH
Mon May 14, 2018 11:35 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11575

Re: The front page is ugly

It is "ugly" but it is functional, loads pretty fast. I'm not a web designer but I would guess that there are ways to refresh the layout while keeping it predominately text. The one change I would make is changing the home page font to a sans serif font for easier reading. https://www.fonts.com/con...
by JPH
Mon May 14, 2018 9:16 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11575

Re: The front page is ugly

It is "ugly" but it is functional, loads pretty fast. I'm not a web designer but I would guess that there are ways to refresh the layout while keeping it predominately text. The one change I would make is changing the home page font to a sans serif font for easier reading. https://www.fonts.com/con...
by JPH
Sun May 13, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Two Fund or A Managed Portfolio?
Replies: 13
Views: 967

Re: Vanguard Two Fund or A Managed Portfolio?

Crazy complex. Make sure you understand exactly why you should invest in each one before you purchase. I would no do it.
by JPH
Thu May 10, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Moving companies (long distance):recommendations+choosing delivery date?
Replies: 15
Views: 769

Re: Moving companies (long distance):can I choose delivery date?

If you are delayed and they arrive at the site with no one available to meet them, then I think they will put your stuff in their warehouse, at which time you could name any delivery date you choose.
by JPH
Tue May 08, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3332

Re: Do I need to unfreeze my credit before applying for a new card?

If you can find out which credit reporting agency they want to use, then you can unfreeze just that one. Call and ask them.
by JPH
Mon May 07, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 6258

Re: When to buy new underwear?

Commando
by JPH
Sun May 06, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 8337

Re: What career for smartest kid in the class?

To be successful and happy in medicine, you must love studying the field as well as doing the work. If you suffer the training just to be able to do the work, you are missing a lot. The half life of knowledge is too short not to be a lifelong "professional student" of medicine.
by JPH
Wed May 02, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 3655

Re: Not Wasting Food

The USDA says that approximately 20% of the food we purchase at the supermarket is eventually wasted. Aside from cleaning your plate, what suggestions do you have. I don't see cleaning your plate at a solution to the waste problem. If I make the extra effort to always clean my plate and the food en...
by JPH
Sat Apr 21, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: JAMA article's health implications for asset allocation
Replies: 43
Views: 3717

Re: JAMA article's health implications for asset allocation

No statistician here - but association is not causation. Maybe, for example, health problems and/or risks cause sudden asset loss (could be many reasons of the health problems) Agree that association is not causation, but this was a long term (20 year) study in which they regularly checked in with ...
by JPH
Sat Apr 21, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Will question
Replies: 28
Views: 2649

Re: Will question

How much value should be placed on certification by the National Elder Law Foundation (or other certifications) in choosing an estate planning attorney? Which are true indicators of ability/knowledge?
by JPH
Sun Apr 15, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for 6th year of college?
Replies: 13
Views: 2241

Re: How to pay for 6th year of college?

Paying your own way is incredibly motivating.
by JPH
Sat Apr 14, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39686

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

CULater wrote:
Sat Apr 14, 2018 8:51 am
JPH wrote:
Sat Apr 14, 2018 8:17 am
I've ordered my oil test kit. I will post the results.
Are you having issues?
My dipstick looks just like yours, and there seems to be an odor of gasoline.
by JPH
Sat Apr 14, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39686

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I've ordered my oil test kit. I will post the results.
by JPH
Sat Mar 24, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: "I won the Lottery" update -
Replies: 33
Views: 8358

Re: "I won the Lottery" update -

A very interesting post. Congratulations.
by JPH
Thu Mar 15, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39686

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I had my first oil change on my 2017 CR-V EX this morning. I had 7,448 miles on the car, and the Maintenance-Minder read 10% remaining oil life. I checked the oil level myself before taking it in, and it was a little above the top mark on the dipstick. I took it to my regular mechanic that I have us...
by JPH
Sat Mar 10, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 87
Views: 10687

Re: New Honda CRV - first oil change full synthetic?

I'm wondering how the Maintenance Minder in the vehicle actually works. Does it actually "measure" the condition of the oil in some way, or is it just set on some sort of computerized algorithm? It doesn't measure the oil in any way, there's an algorithm that is supposed to calculate the lifetime b...
by JPH
Sat Mar 10, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: New Honda CRV - first oil change full synthetic?
Replies: 87
Views: 10687

Re: New Honda CRV - first oil change full synthetic?

I'm wondering how the Maintenance Minder in the vehicle actually works. Does it actually "measure" the condition of the oil in some way, or is it just set on some sort of computerized algorithm? It doesn't measure the oil in any way, there's an algorithm that is supposed to calculate the lifetime b...
by JPH
Sat Mar 03, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: "Making a Difference" by Jonathan Clements
Replies: 29
Views: 3516

Re: "Making a Difference" by Jonathan Clements

One nitpick that I did not like was that he factored in inflation only for the managed portfolio. Not necessary to make his point.
by JPH
Tue Feb 20, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 4747

Re: Signed up for American Express - "Premium" car rental insurance

I have used the AMEX car rental insurance, but never had a claim. The only trouble I have had was in New York. The agent there said that NY state law required them to file any claim against the renter's personal insurance policy and they would not recognize any other insurance. I don't know if that ...
by JPH
Thu Feb 15, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: Increasing SS PIA by working again
Replies: 27
Views: 1795

Re: Increasing SS PIA by working again

If you take a pay cut near the end of your career or go to part-time work could it negatively affect your benefits?
by JPH
Wed Feb 07, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: what to do with patent plaques and other work awards?
Replies: 45
Views: 3116

Re: what to do with patent plaques and other work awards?

When I retired DW and I took a trip to celebrate. She did a painting of the place, and when we got home I took my service award out of the framed, and she used it to frame the painting. The award is long-gone, but I still have the painting. I've also kept a couple of military coins that were given t...
by JPH
Sun Feb 04, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Collecting
Replies: 16
Views: 1256

Re: Collecting

Collecting actually helped teach me to save. When I was a boy my parents decided to give me an allowance of $1 per week. I requested that it be paid as silver dollars. They soon became a collection. At first I just played with them as toys. As they accumulated I came to realize their purchasing powe...