Search found 1587 matches

by S&L1940
Sat Oct 13, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 56
Views: 10484

Re: Don't pay full price for SiriusXM radio

I got tired of doing the "call every five months and negotiate a low rate" dance so I ditched the service. They never stop with the 5 month offers; get emails and snail mail constantly Sometime back they even offered me a radio receiver for my home My counter offer, stop the BS and give me the year...
by S&L1940
Fri Oct 12, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 53
Views: 2284

Re: TV recommendation for my father

If his hearing is not that good then consider getting him headphones like these. https://www.amazon.com/Sennheiser-RS120-Wireless-Headphones-Charging/dp/B0001FTVEK/ref=sr_1_fkmr0_1?s=electronics&ie=UTF8&qid=1539304601&sr=1-1-fkmr0&keywords=steinhauser+rf+headphones My wife wears hearing aids and th...
by S&L1940
Wed Oct 10, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 977

Re: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

OP here thanks for the responses, glad I did not ask for opinions on the bare bones services available from which to choose. Confused enough with all the great responses, leaning towards the Moto G6. I have to stick with the acceptable phone models for this particular service and hoping to spend les...
by S&L1940
Mon Oct 08, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 977

comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

Gonna move over to Republic Wireless for a plain vanilla call & text plan and dropping my 19th century Nokia phone on the weak AT&T system So, looking at Moto X, Moto G6, Moto G6 play and Samsung Galaxy J3 with Republic Wi-Fi performance, call clarity are my main concerns. Camera performance is seco...
by S&L1940
Sun Oct 07, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4484

Re: Should I, and how, act on changes in managing diet and health?

Save more money. You will live longer. Recalculate your SWR. :wink: When I was in medical school, our witty epidemiologist professor once opined, "the thing about diets is that they may not make you live any longer, but they may make you feel like you have". I don't discount the importance of avoid...
by S&L1940
Thu Sep 20, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11655

Re: Did you really have something to retire to?

I always liked the news story about the person who won the lottery and says that will not change their life. They plan to go back to pumping gas or manning a call center phone or staring at a computer the next day. Me, had I won the lottery (pretty neat trick since I seldom to never bought a lottery...
by S&L1940
Wed Sep 19, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11655

Re: Did you really have something to retire to?

We moved south because the Dear Wife's illness forced her to leave work. I had the good fortune to telecommute and integrated my work schedule with the retirement environment that we moved into. Wife got better, we both play tennis, found a new set of close friends, wife spends the afternoon playing...
by S&L1940
Wed Sep 19, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25235

Re: What is your single most expensive mistake?

Bogleheads: My most expensive mistake was to use a broker for our investments from 1950 until 1986 when we moved to Vanguard. Best wishes. Taylor +1 Although I did not realize it at the time, two fold, starting late to save for the future because of tight finances. We could have put away something ...
by S&L1940
Sun Sep 16, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 3133

Re: Experiences downsizing to single car

Retired, local travel 99.9% of the time with friends and neighbors for support. We downsized and on first day we each wound up with doc appointments in different directions at the same time. Mine was priority dental emergency, dear wife rescheduled That was 2006, doing fine since then, works for us ...
by S&L1940
Fri Sep 14, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7564

Re: Leasing Cars in Retirement

We have always paid cash for my cars which we normally keep for 12-15 years. We just purchased a car, but I think that this will be the last car that I will purchase. In the future I will lease for the following reasons: 1) age - you no longer take it for granted that you will be able to drive for ...
by S&L1940
Fri Sep 14, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3957

Re: Is home alarm monitoring worth it?

Just make it look like someone is home. Most TV's are efficient, so leave one on when you're not home. Leave some lights on, radio etc. You can also put up some fake signs, maybe even a fake camera or two, put up a beware of dog sign. So they smash and grab the TV Radio Shack used to sell more alar...
by S&L1940
Thu Sep 13, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3957

Re: Is home alarm monitoring worth it?

Just make it look like someone is home. Most TV's are efficient, so leave one on when you're not home. Leave some lights on, radio etc. You can also put up some fake signs, maybe even a fake camera or two, put up a beware of dog sign. So they smash and grab the TV Radio Shack used to sell more alar...
by S&L1940
Thu Sep 13, 2018 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3970

Re: Vanguard is requiring cell phone security codes - problem for international travel

When you enroll, you can choose to use a security code every time you log on to your account or only when Vanguard doesn’t recognize your computer or device. Thanks. But when does my computer cease to be recognized ? If they use the IP address than it won't help. If they use a cookie instead I only...
by S&L1940
Thu Sep 13, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3957

Re: Is home alarm monitoring worth it?

Without monitoring, do you get notified if an alarm goes off? I think you've described the pros and cons of monitoring. I use the ultimate deterrent at my house......nothing of any value inside. :D Yeah, but, they do not know that your cash is buried in the garden and will rip up the place to at le...
by S&L1940
Thu Sep 13, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4557

Re: WSJ print edition renwal time - any discounts?

Nobody asked but I pay a bit over $40 a month for the failing NY Times I already cancelled our local paper a year ago after tiring of negotiating the annual renewal The Times has been at our doorstep for decades from state to state yet cost may be finally reaching the tipping point They keep thankin...
by S&L1940
Thu Sep 06, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2169

Re: Phone Calls from Windows saying computer has Malware

And it doesn't matter what number they call from now. Caller ID is useless due to number spoofing. They frequently use numbers in known area codes, charitable names, even "steal" real live people or legitimate business numbers. It is easy to do, so reporting it is likely to lead nowhere, as it is t...
by S&L1940
Wed Aug 29, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11568

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

TwstdSista wrote:
Tue Aug 28, 2018 6:40 pm
Often misused:

Adverse - Averse
Advice - Advise
Roth - ROTH
You beat me to it, not too critical yet it bugs me when someone is looking for advice and they ask to be advised...
by S&L1940
Sun Aug 26, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 13695

Re: 2000-2018 retirement - sequence of returns

thanks a perfect example as to what is worth reading on BH.org (recent thread about trolls and crap topics with hidden agendas and useless brain dumps). Look for a thread with back up info to support the subject; recognize the author? how many times have they posted? is there up front clarity as to ...
by S&L1940
Mon Jul 16, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 210
Views: 36371

Re: NY Times reviews Taylor's Guide to the Three Fund Portfolio

I did not read the book yet wonder how many pages (I think the book is something like 140pp) you can fill even with charts and extensive explanations and variations to demo the effectiveness of the three fund portfolio? How can you call the NY Times review "dead wrong" when you haven't even read th...
by S&L1940
Mon Jul 16, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 210
Views: 36371

Re: NY Times reviews Taylor's Guide to the Three Fund Portfolio

OP here I did not read the book yet wonder how many pages (I think the book is something like 140pp) you can fill even with charts and extensive explanations and variations to demo the effectiveness of the three fund portfolio? More than ten years ago Taylor and other BHs guided us as we cleaned up ...
by S&L1940
Mon Jul 16, 2018 12:48 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 210
Views: 36371

NY Times reviews Taylor's Guide to the Three Fund Portfolio

[Thread merged into here, see below. --admin LadyGeek] Not sure if someone already posted this from Time's Sunday Mutual Fund section https://www.nytimes.com/2018/07/13/business/the-lazy-persons-guide-to-successful-investing.html?rref=collection%2Fsectioncollection%2Fbusiness&action=click&contentCo...
by S&L1940
Sat Jul 14, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 9134

Re: Be Careful Using Mailboxes

Not for this reason, but I never mail checks any more. I always either use electronic payment or I have my bank mail a check. I don't like using stamps for that purpose...it feels like holding an index fund that has a slightly higher expense ratio or a savings account with a slightly lower interest...
by S&L1940
Sat Jul 07, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 4393

Re: Tipping in a hotel room/cruise ship room

daily clean - linen, towels and such, hotel or cruise, We leave a couple of bucks each day waiter in dining room, tip at end of cruise, same with the helper or bus person that works with the waiter we usually tip up front whoever oversees the cabin service team (supervisor?), for special service in ...
by S&L1940
Sun Jul 01, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 14265

Re: What are your property taxes?

dwickenh wrote:
Sun Jul 01, 2018 8:25 am
jharkin wrote:
Sun Jul 01, 2018 4:58 am
Rather than some anecdotal info, all the answers you seek are here:

https://taxfoundation.org/publications/tax-maps/
Those are statistics.... It means so much more to hear it from real people paying the taxes.

You people are real...... aren't you?

Dan
I used to be
by S&L1940
Sun Jul 01, 2018 2:32 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 14265

Re: What are your property taxes?

Florida, no income tax, sales tax recently raised, get homestead deduction
this is not even apples to oranges; there gotta be a dozen variables involved
We are good with 1900 sq ft, zero lot, gated community, many amenities, value probably $325K - $350K, 15 year old home, prop tax $3500
by S&L1940
Sun Jul 01, 2018 2:21 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8593

Re: What % of your equity is int’l?

Roughly 12 % and no thought about going any higher
by S&L1940
Wed Jun 20, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 34
Views: 3348

Re: How do you read books?

wootwoot wrote:
Tue Jun 19, 2018 9:43 pm
To the OP. I read them one word at a time. Eventually I make it to the end.
Funny, that is the way I also do it. Learned that in grade school. Did you also go to school in the Bronx?
by S&L1940
Mon Jun 18, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: How do you read books?
Replies: 34
Views: 3348

Re: How do you read books?

I tend to read two or three books at the same time on a tablet and they could be fiction or non-fiction. I read them mainly for entertainment value because I don't retain much shortly after I read them. TravelforFun I too read several books at once both fiction and Non; sadly I am one of the three ...
by S&L1940
Mon Jun 18, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9405

Re: Which Supermarket are you?

Even though it is a short walk, we spend the least at Publix, mainly 2 for 1 specials and fill ins like orange juice Costco & BJs (once every 4-6 weeks) and the local farmers market (every week) are prime sources Just the two of us; besides eating out a lot we get prepared dinners and specialties fr...
by S&L1940
Fri Jun 15, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18568

Re: Life in retirement - what did you do today?

Retirement is a bore -- and then you die. Went to bed really late - like early morning; got our six hours of sleep; leisurely got up and worked out (weights and light yoga stretches); then breakfast at about noon - 1.00 p.m.; kind of a rainy day so no tennis - we would have gotten up earlier if we ...
by S&L1940
Tue Jun 12, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 6330

Re: Anyone with a paid off house drop homeowners insurance

Every year I have the same dilemma. My home insurance is due for renewal next month. And I just hate writing a check for $700 a year for a house appraised at approx. $240,000 when I could self insure if the whole thing burned down. And I basically I don't trust insurance companies, they are out to ...
by S&L1940
Tue May 29, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8841

Re: Is inflation the greatest risk to retirement portfolios?

I know that "adverse life events" are the greatest risk to well-being, but I can't do much more to mitigate unpredictable life events except hope that they don't happen or try to own insurance products that are available for some of those events if they do occur, such as healthcare, LTCi. My questi...
by S&L1940
Tue May 29, 2018 1:47 am
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 5439

Re: Splurging on the NBA finals

Being there is always a great experience; like the 250,000 fans who claimed they were at the Polo Grounds when the Giant's Bobby Thompson hit his home run to sink the Dodgers... One thing you do miss are the replays. Watching Lebron come down court and put in a lay up with a Boston defender attempti...
by S&L1940
Mon May 28, 2018 9:40 am
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 3002

Re: MEMORIAL DAY 2018

Thanks Taylor, for your service and your wise comments
Be well, Rich
by S&L1940
Sat May 26, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 9304

Re: Help Buying Mens Shoes for Work and Dating

"Wildebeest, I do not suggest you get shoes for dating. That just would weird me out." Maybe that is my problem, no dates because I am not wearing the proper shoes for dating... My wife does not even notice my shoes. It all worked out for me. It might help if I get my wife to stop screening my phon...
by S&L1940
Sat May 26, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 9304

Re: Help Buying Mens Shoes for Work and Dating

"Wildebeest, I do not suggest you get shoes for dating. That just would weird me out."

Maybe that is my problem, no dates because I am not wearing the proper shoes for dating...
by S&L1940
Sat May 26, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 53
Views: 7914

Re: Living on Your Investments? What Happens When a Bear Market Hits?

Kind of confused here. As a retiree (the author refers to retirees) I no longer buy I hold, perhaps fine tune a bit, especially as I move the required minimum distribution. And, for living expenses, sell - Hopefully the winners that some day may lose value because of inflation and a bear market - ju...
by S&L1940
Tue May 22, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6693

Re: How have you upgraded your wardrobe?

Yup. And I really only need the top half since the bottom half is not visible on video conferences (I work remotely). So at this moment it's a polo shirt (LL Bean, 5 years old) and shorts. Pretty standard for me. No plans to upgrade anything. I posted once before: When we moved to Florida and I was...
by S&L1940
Tue May 22, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6693

Re: How have you upgraded your wardrobe?

retired, diet worked, lost weight, find the Costco sportswear department answers my needs just fine hard to fit, used to do Lands End but, to me, they lost their way with Sears and then they tried to charge me for returns selling clothes by catalog or on-line or with no easy access to try on in the ...
by S&L1940
Sat May 19, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 13399

Re: Helping Adult Children (but not too much)

Three adult children, married with kids of their own. When they need cash: buying a house, car, schooling for the grandchildren or healthcare, we help out telling them it is a down payment on their eventual inheritance. NO, we do not keep track of the dollars, simply a family joke because we feel if...
by S&L1940
Fri May 18, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: looking for simple smart phone - anyone use Jitterbug
Replies: 7
Views: 751

Re: looking for simple smart phone - anyone use Jitterbug

a bunch of the providers listed by Alexa9 are part of the Tracfone group, problem is the cellular network they use is a crap shoot as they - as do others on the list - use Verizon Wireless, AT&T Mobility, T-Mobile US, Sprint Corporation, and U.S. Cellular. anyone using Xfinity? most of my life is ti...
by S&L1940
Thu May 17, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: looking for simple smart phone - anyone use Jitterbug
Replies: 7
Views: 751

Re: looking for simple smart phone - anyone use Jitterbug

I think you're looking for a Verizon MVNO. There are a few out there: Affinity Cellular Best Cellular Boom! Mobile Credo Dataxoom EcoMobile GreatCall Net10 Page Plus Cellular Ready Mobile Red Pocket Mobile ROK Mobile Selectel Wireless SpeedTalk Mobile Straight Talk Total Wireless Tracfone US Mobile...
by S&L1940
Thu May 17, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: looking for simple smart phone - anyone use Jitterbug
Replies: 7
Views: 751

looking for simple smart phone - anyone use Jitterbug

Trying to find an inexpensive cell plan and smart phone. Data unimportant, make, receive calls and texts when away from home and Wi-Fi capable. NOT AT&T, prefer the Verizon network because of reception in our area We still maintain our land line. So far, have not found reliable provider (posted prev...
by S&L1940
Wed May 02, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 4136

Re: Not Wasting Food

Food pantries and soup kitchens will appreciate whatever you can donate a simple Google search will offer up the locations in your area someone posted that restaurants and supermarkets have foodstuff ready to be trashed and are responsible for much of the waste A simple call by commercial sources ca...
by S&L1940
Mon Mar 26, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: GE Microwave Weird Issue
Replies: 22
Views: 2161

Re: GE Microwave Weird Issue

been sometime since I posted something weird; had a GE micro - recently bought another because of dimension issues - needed to replace the switch and the repair guy suggested putting Vaseline on the prongs so that the door opens and closes easier Also, I found that I usually pulled the handle at the...
by S&L1940
Sun Mar 18, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 6277

Re: Amazon Prime Going Sideways/Weird Shipment Problems

Daughter in VA loves Prime, uses it all the time. Late one Friday I was talking with her about some incidental things I am thinking of buying.
Sunday morning two packages were at my door. I was impressed both by the gifts she sent me and the nearly instant delivery to So Florida.
by S&L1940
Sun Mar 18, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 10454

Re: Need for Medicare supplemental plan?

Curious why most on this thread prefer a supplemental plan to an advantage plan? One reason is with Plan G, after you pay the $183 deductible, there are no other costs as long as its for a covered charge. Of course you do have to pay the monthly premium as well. My annual January cardiology visit e...
by S&L1940
Sat Mar 17, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 10454

Re: Need for Medicare supplemental plan?

I have Plan F which covers everything Medicare doesn't pay, including the deductible. It's not worth the difference over G dollarwise but I enjoy not having any bills. I think it would be a horrible mistake to not have a supplement plan that covers the 20% Medicare doesn't pay. A very horrible mist...
by S&L1940
Mon Jan 29, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 10273

Re: Neighbor recently burgalerized - Suggestions for home security

You need a dog at home. Any hitech company makes robot dogs? I don't know what a robot dog is but my MIL lived next door to a lady that had a recording of a dog barking that went off automatically. This was in a condo building with traffic along the pathway that must have set the dog off dozens of ...
by S&L1940
Thu Jan 25, 2018 3:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 5700

Re: Happy Birthday, Taylor!

Good Fortune To You Taylor

I am so many other Bogleheads learned (and profited) from you.

Be Well, Thanks, S&L