Search found 1646 matches

by S&L1940
Tue Jul 16, 2019 5:56 pm
Forum: Investing - Theory, News & General
Topic: Do you care about your home appreciating?
Replies: 77
Views: 3548

Re: Do you care about your home appreciating?

retired, home paid for, we love the community, the friends we have here, the amenities they are building here like it is 2005/06 again, smaller and more expensive home is up to date, well kept, the kids may like living here or will get a fair price when we are gone, their choice this is our home, an...
by S&L1940
Sat Jun 22, 2019 11:42 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7506

Re: How do you approach tipping at carry-out restaurants

Strictly carry outs, Never Love the places that have a "tip" jar stuffed with $1s on the counter Regular restaurants, picking up large order, yeah a buck or two if it is a place where we usually eat in or take out Buffets, where service consists of the wait staff constantly cleaning off the tables a...
by S&L1940
Mon Jun 17, 2019 11:19 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 185
Views: 31049

Re: A way to "thank" posts

jebmke wrote:
Mon Jun 17, 2019 8:03 am
Accrual wrote:
Mon Jun 17, 2019 7:49 am
Send a PM. I would stop visiting this website if such Facebook-esque 'features' were ever implemented.
I think a lot of people would leave the site.
Agree, thanks for the comment
by S&L1940
Sat Jun 15, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 4200

Re: how is Home Depot's contractor service (for a water heater)?

Find a contractor who will check the space first
If HD will not do that try Lowes or ask around your community for a reliable plumber
HD and Lowes contractors rely on referrals, they should be reliable
by S&L1940
Mon Jun 10, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7142

Re: Do you drive old cars for long distance travels?

We usually choose to rent when going on longer trips. The potential cost and disruption of a breakdown are too burdensome. Rental rates are usually decent. If you breakdown in a rental, it's on the company to manage the headache. They get you back on the road asap. Decreased risk of missing importa...
by S&L1940
Mon Jun 10, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7142

Re: Do you drive old cars for long distance travels?

Just returned from a trip to New Orleans and back (from Tampa) in my 2006 Dodge Caravan with about 130k miles on it. Was a good test for the cracked engine block I fixed with some liquid stuff at the auto parts store. No problems at all. Also, I have driven all the way to Alaska and back with the c...
by S&L1940
Mon Jun 03, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Reliable Wireless Mouse?
Replies: 31
Views: 1472

Re: Reliable Wireless Mouse?

Reluctant to say this, Logitech MK 320 keyboard, been here for at least 7-8 years do not remember last time I changed the batteries
Same with mouse (unknown model #) although battery on mouse goes 1-2 times a year even with turning off the power to the mouse
Cost? Guessing,well?, under $50 for the two
by S&L1940
Sat Jun 01, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: Discover Identity Theft Protection - $15/month
Replies: 13
Views: 995

Re: Discover Identity Theft Protection - $15/month

We use two credit cards for nearly all purchases and transactions One is a Citi Visa that sends an email every time the card is used, whether a live transaction or on line. The other is a MasterCard that emailed us first when the "card" was presented for use in a city and state we have never visited...
by S&L1940
Mon May 13, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do you receive a letter if you credit card is about to be closed for inactivity?
Replies: 18
Views: 1512

Re: Do you receive a letter if you credit card is about to be closed for inactivity?

Dropped American Express after I no longer needed a business card and Costco went to Visa I still receive "updates" on my AE points Other cards over the years have simply faded away or sent a cancellation notice I still get statements from Morgan Stanley (formerly Smith Barney) showing a $0.02 balan...
by S&L1940
Fri May 10, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Hearing getting bad, which Hearing Aids would you recommend ??
Replies: 36
Views: 2513

Re: Hearing getting bad, which Hearing Aids would you recommend ??

The Hearing Aid Specialist (Not a Audiologist) did her own ear testing & basically came up with a very similar report as the earlier one, she wants me to buy Phonak Audeo Marvel for $4200. I may be wrong, but the cost of the Hearing Aids seems arbitrary. My Health Insurance does not cover them whic...
by S&L1940
Fri May 10, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Hearing getting bad, which Hearing Aids would you recommend ??
Replies: 36
Views: 2513

Re: Hearing getting bad, which Hearing Aids would you recommend ??

With all the bells and whistles that high end aids offer, if you have clarity issues - which I do - the aids are are not that efficient Clarity, as I understand it, is controlled within the ear and aids can not add all that much to understanding dialog or hearing music and TV clearly I put my $3600 ...
by S&L1940
Fri May 10, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Hearing getting bad, which Hearing Aids would you recommend ??
Replies: 36
Views: 2513

Re: Hearing getting bad, which Hearing Aids would you recommend ??

rj342 wrote:
Fri May 10, 2019 10:09 am
Way out of my wheelhouse fortunately, but I read just the other day that the FDA is approving some hearing aids for over the counter sale WITHOUT an Rx.
Final approval of Over the counter hearing aids (really will be mostly over the internet) is due in about two years, like 2020 or 21
by S&L1940
Sat May 04, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 60
Views: 3900

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

NY Times in my driveway at around 5.00 a.m everyday. Cost me ~ $45.00 a month, worth every bit of it. Except for commentary I find the online (free with the paper subscription) Times sucks. Their lead headline is static and is usually there all day without updates. Free online, NPR and Huff Post. Da...
by S&L1940
Wed Apr 24, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4249

Re: How to clean a garage?

Simple, one by one put the items at the foot of your driveway with a sign, 'For Sale'
Regardless of the neighborhood, they will be gone within the hour

Want to donate them? Do the same thing without the For Sale sign
by S&L1940
Mon Apr 15, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 4703

Re: Where To Get New Bikes

Dick's sporting goods has some decent bikes at good prices. Occasionally you can find a great sale. Wow, took most of the page before Dick's showed up. Unless you are seeking to do $1K or more that may be the place to go. I ride every day but local streets and short distances. Sports Authority was ...
by S&L1940
Sat Apr 13, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 107990

Re: How much money do you want to retire?

After reading all the responses (over the past couple of years) the dear wife and I thought we might have needed to get into a time machine and start over. Yet, we (in our late 70s) even with no pensions, figure we will continue to do just fine with our six figure bucket of assets. Even with some he...
by S&L1940
Sat Apr 06, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 3060

Re: Eye glasses - cheaper alternates

Bought glasses at Costco for the first time and really pleased Been wearing progressives for years and always bought a pair of reading/computer glasses as well. Not sure how this location works but the reading glasses were super for reading and the mid/intermediate were even okay for driving. The mu...
by S&L1940
Thu Apr 04, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2282

Re: Windows 10 security software

elcadarj wrote:
Wed Apr 03, 2019 7:45 am
oldzey wrote:
Wed Apr 03, 2019 7:40 am
I use both Malwarebytes Premium and Windows Defender.
+1

I also have adopted this recommendation, https://thewirecutter.com/blog/best-antivirus/, Defender + Malewarebytes. They do complement each other and don't conflict or slow down my system.
+3
by S&L1940
Tue Apr 02, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13720

Re: Folks in their 60s and above. What early investment on health do you recommend.

larsm wrote:
Sun Mar 31, 2019 1:49 pm
Avoid gun shot wounds and car accidents. Everything else in moderation...
What about avoiding falls from high or low places onto hard surfaces?
by S&L1940
Sun Mar 31, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 278
Views: 27655

Re: "The best and worst U.S. states for retirement"

finite_difference wrote:
Sun Mar 31, 2019 10:34 am
I think my ideal state would be more based on climate.

Florida can be too hot and humid. Plus it has alligators.
Yeah we in gated communities have been complaining about security letting those alligators in without showing proper ID
by S&L1940
Sun Mar 31, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 278
Views: 27655

Re: "The best and worst U.S. states for retirement"

munemaker wrote:
Sat Mar 30, 2019 6:27 pm
tennisplyr wrote:
Sat Mar 30, 2019 5:29 pm
Hard to argue with Florida (especially Sarasota) at #1......I'm good :happy
The Florida summers are very humid. I can't imagine playing pickleball in July and August. Do people really do that?
YES
by S&L1940
Sat Mar 30, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 278
Views: 27655

Re: "The best and worst U.S. states for retirement"

I once lamented to a Floridian friend that by the time I was ready to retire all the real estate in Florida would be gone. He said with a wry smile,not to worry, a third of the real estate in Florida is for sale every day. That's likely because of the turn-over after death (or needing to move to a ...
by S&L1940
Sat Mar 30, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 278
Views: 27655

Re: "The best and worst U.S. states for retirement"

Send out the word, Florida is full up
We have enough for now

Truth be known (or my opinion), any state that offers a climate that gets people outside to walk or play (where tennis and golf can be played all year long) is a good place to be.
There is a lot to be said for longevity
by S&L1940
Fri Mar 29, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Where/how to keep cash on hand or equivalent?
Replies: 28
Views: 985

Re: Where/how to keep cash on hand or equivalent?

Two points 1) Years ago I kept cash at home and thought I was brilliant in wrapping it in foil and putting it in the freezer. Then I heard a repentant thief on a radio talk show say one of the first places he looked for stash during a break-in was in. the. freezer. 2) As a general contractor at the ...
by S&L1940
Mon Mar 25, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: Nice men's jeans
Replies: 53
Views: 3398

Re: Nice men's jeans

My Costco only carries even number waist sizes and unfortunately I fall between two of the sizes. As does approximately half the customer population. You'd think there would be a store somewhere that only carries odd sizes... Have you ever tried Lands End? Years ago they were tops in providing qual...
by S&L1940
Sun Mar 24, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paper I Bonds
Replies: 35
Views: 2392

Re: Paper I Bonds

No longer accumulating, store at home in fire proof box, keep several copies of serial numbers Recently went to my local BoA branch, cashed in several of my lower interest paying bonds and had the choice of getting the cash or depositing in one of my accounts. As quick as any other transaction, the ...
by S&L1940
Sun Mar 17, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: Are I Bonds like cash or bonds?
Replies: 16
Views: 1209

Re: Are I Bonds like cash or bonds?

Both
Cash usually does not earn interest
Yet I can take my paper I Bonds to the bank and have the amount immediately available in my account or, walk out with the cash
So sorry we came to I Bonds late in our accumulation period.
Learning about I Bonds, Another BH benefit
by S&L1940
Mon Mar 11, 2019 7:06 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 395
Views: 84300

Re: South Florida Local Chapter

Please put me on the SF contact list.
Attended one or two meetings years ago and dropped off for health reasons.

Can you send me an update notice for the July session?

Looking forward to meeting the local Boglehead crowd
by S&L1940
Wed Mar 06, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Objective news source?
Replies: 69
Views: 1636

Re: Objective news source?

objectivity is in the eyes of the beholder
by S&L1940
Mon Mar 04, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 8894

Re: Why do you live where you live?

Came for health reasons, needed the warmth, the beaches. Fair amount of family here and nice flat areas for biking. Living is good, lots of friends (new and old). Tennis and outdoor living are great elixirs.
by S&L1940
Fri Mar 01, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 7255

Re: BH could you live off your SS benefit?

Not us. Even with only one major trip a year and minimum travel. Our SS figures are mid range as health brought on earnings challenges. Closing in on 80, should one of us dies, if we needed to depend on SS alone that would be a disaster.
Thanks to Bogleheads we are going to do fine.
by S&L1940
Wed Feb 27, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help! At Fault’s Insurance Company Refusing to Pay Diminished Value
Replies: 58
Views: 5454

Re: Help! At Fault’s Insurance Company Refusing to Pay Diminished Value

If diminished value is covered by your carrier(?), than I guess your best path would be to file the claim and let the insurers work it out. Otherwise you gotta sue. Good Luck
by S&L1940
Sun Feb 24, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 10278

Re: How did mylife.com get my info?

2015 wrote:
Fri Feb 22, 2019 2:35 pm
Yep. Hence I'm sure somehow someway someone knows the size of my underwear.
That (size of my underwear) I can deal with yet I wish they would also include the brand name. That way I can receive spam with special offers of something I can use!
by S&L1940
Fri Feb 22, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 10278

Re: How did mylife.com get my info?

I try to remain as unseen as possible yet I too Googled myself and came up with much current info some of which was correct. Included was a nice yearly earning figure, I am retired and sadly never came close to that number. Home value inflated yet assets way below actual... Family make up scrambled ...
by S&L1940
Sat Feb 16, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: eBay Item NOt Received - but DELIVERED
Replies: 44
Views: 2697

Re: eBay Item NOt Received - but DELIVERED

A close friend worked in a post office in Westchester County (NY) both inside and delivery. The stories he told of politics and backbiting and incompetence and ridiculous rules made me wonder how anything at all gets delivered. UPS and FedEx send notices that deliveries with signature required are o...
by S&L1940
Fri Feb 15, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Medicare Fraud?
Replies: 25
Views: 2002

Re: Medicare Fraud?

Unless we know who the caller ID belongs to we never answer the phone. 99% of the calls we receive from unknown callers never leave a message. We even have a pediatric practice continue to call us (but do not leave a message). Our youngest grandchild is 20 years old. We get emails from Medicare, som...
by S&L1940
Mon Feb 11, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 5705

Re: Best ways to provide STRUCTURE to retired life

When not playing tennis or pickle ball or golf, days are filled with whatever comes along - which does not include hunting and gathering at Walmart or Costco or Publix or Home Depot Nights can be social, poker with the guys, Mah Jongg for the gals or just hanging out. In between, structured time mea...
by S&L1940
Mon Feb 11, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Thoreau Simplify
Replies: 64
Views: 6796

Re: Thoreau Simplify

The major things I still have to do are organizing and labeling many shoeboxes of family photos. In our home that is the major challenge, photos Three, and to some extent four, generations of photos from both our families Some beyond identifying as all involved or those in the know are gone How do ...
by S&L1940
Thu Feb 07, 2019 11:04 pm
Forum: Investing - Theory, News & General
Topic: To What Degree Does Money Buy Happiness?
Replies: 107
Views: 5161

Re: To What Degree Does Money Buy Happiness?

getting up in the morning and knowing the bills are and can be paid, that gets me in the mood to face the day's challenges in a happier frame of mind
In fact simply getting up in the morning also puts me in the mood to keep going
by S&L1940
Sun Jan 27, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 62
Views: 6680

Re: Where do you keep your emergency fund?

It took some time to accumulate enough of them due to the annual purchase limits, but now mine is in Series I Savings Bonds . They are included in my overall portfolio allocation, despite frequent advice here to the contrary. I own the totality of what I own. PJW Usually I do not assign any asset a...
by S&L1940
Sun Jan 20, 2019 9:49 pm
Forum: Investing - Theory, News & General
Topic: The NY Times calls us a cult but in a good way
Replies: 62
Views: 7714

Re: The NY Times calls us a cult but in a good way

One could make a strong argument that readers of the NY Times are themselves a cult. You know, you could be right. Have had the Times delivered to me for years in three different states, five different cities. They keep trying to drive me off with higher costs yet I hang in there. Personally, their...
by S&L1940
Sun Jan 20, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6863

Re: Paying thousands per ticket to attend the NFL Super Bowl?

samsdad wrote:
Sun Jan 20, 2019 8:18 pm
No. No longer interested in watching the NFL.
Usually the local paper has the results the next day, good enough for me.
by S&L1940
Sun Jan 20, 2019 12:21 am
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8443

Re: What is a Boglehead funeral/burial?

Is there a Ralph's around here? Yeah, but, you gotta know which way the wind is blowing... Dear wife and I have a family plot bought many years ago with in-laws. Otherwise we would have passed up the burial. Cremation will be less than $2k (each) including a room for a memorial service. Major outla...
by S&L1940
Fri Jan 18, 2019 11:01 pm
Forum: Investing - Theory, News & General
Topic: The NY Times calls us a cult but in a good way
Replies: 62
Views: 7714

The NY Times calls us a cult but in a good way

The NY Times devoted another three pages to Jack Bogle on Friday. And they managed to give Bogleheads a nod but neglected to note our forum. Here is hoping the ones that can benefit from Bogleheads.org will search for us. https://www.nytimes.com/2019/01/17/your-money/jack-bogle-vanguard.html “He alw...
by S&L1940
Thu Jan 17, 2019 7:15 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 158
Views: 16311

Re: Favorite quotes from Jack Bogle...an amazing man

"In investing, you get what you don't pay for" Thank you for all you've done for all the average investors out there. For making the world a better place. Rest in Peace... hard to pick out the definitive Jack Bogle quote, the above works well. The NY Times did a nice piece on Mr. Bogle, check out t...
by S&L1940
Sat Jan 05, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Paying (paper) cash for daily transactions
Replies: 83
Views: 3883

Re: Paying (paper) cash for daily transactions

Most days I leave the house with no cash whatsoever. The dear wife thinks I am tempting fate yet as far as I am concerned, credit cards rule. Went to pick up a prescription and the charge turned out to be $0.31. I apologized, yet the pharmacist did not bat an eye as I ran the card through the counte...
by S&L1940
Wed Jan 02, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: First (consumer!) purchase of 2019 and purchase recordkeeping
Replies: 32
Views: 2253

Re: First (consumer!) purchase of 2019 and purchase recordkeeping

An monthly credit card statement and an excel spread sheet with various categories should simplify the process. Yep, that is what I do. except I fall behind and not so suddenly have to dig up months of transactions This thread motivates me to try, try again. We write maybe a dozen paper checks a ye...
by S&L1940
Tue Jan 01, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8447

Re: Saving at Costco

Are you using the products or wasting/throwing them? Beverages - This is an area to slash if it bothers you. Don't buy soda and other non-water beverages. Why buy water? Use a counter top or under the sink filter and you will most likely have a healthier drink than what comes in those expensive pla...
by S&L1940
Thu Dec 13, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buy now or wait?
Replies: 13
Views: 1254

Re: Buy now or wait?

Market timing? If you are going to be spending 5, 10, 20 years there whether as a primary of secondary home, will the possible lower cost make that much of a difference? The "experts" say the home market is slowing down, if I chose to wait and the good buy or something similar was not available duri...
by S&L1940
Fri Dec 07, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Brinks Security cancellation
Replies: 6
Views: 558

Re: Brinks Security cancellation

I had a big problem canceling my security service with another company -- not Brinks. I had an automatic bank draft payment to them each month. When I canceled the service, they continued to draft my bank account. The only way I was able to stop it was to stop payment at my bank which cost me $38. ...