Search found 398 matches

by JaneyLH
Mon Nov 26, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: "consultation fee": standard for preventative colonoscopy?
Replies: 81
Views: 5634

Re: "consultation fee": standard for preventative colonoscopy?

Sorry if this is inappropriate...?? I am not sure???/ I read that a single FIT stool test detects about 73 percent of colorectal cancers. But because you use FIT every year, 10 screenings over 10 years make it just as good as one colonoscopy every 10 years. The newest stool test is called Cologuard...
by JaneyLH
Mon Nov 26, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Upgrade Canon 60D to FF or new iPhone?
Replies: 50
Views: 1989

Re: Upgrade Canon 60D to FF or new iPhone?

A telephoto lens can also be a prime lens. Prime vs zoom is orthogonal to focal length. However if she takes her kit on airplanes or hiking weight and size become issues. Something to consider when buying. I've taken full frame cameras on cruises and what I've ended up taking is smaller aperture le...
by JaneyLH
Sun Oct 14, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 58
Views: 6724

Re: Mexican Pacific Beaches

We've stayed in San Jose del Cabo. Near the Cabo San Lucas airport. Same climate as Cabo San Lucas, but a bit lower key/kid friendly. You can taxi or bus into Cabo San Lucas if you really want the party atmosphere! Very safe both around the hotel area, shopping in stores, and in the downtown area. ...
by JaneyLH
Sun Oct 14, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2748

Re: Making Winter Camping more comfortable

Have gone through many camping transitions, from tent to van to folding trailer and now have arrived at a comfortable four season trailer. Most of the time, we seek out campgrounds with electrical hookups, like Furnace Creek Death Valley and Watchman Campground in Zion National Park. That gives us q...
by JaneyLH
Sun Oct 14, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Using credit card rental car insurance
Replies: 14
Views: 1277

Re: Using credit card rental car insurance

I have had 3 car rentals where there was damage, and in all cases the credit card coverage took care of it. 1. Backing up in a cramped underground parking garage, my husband backed into a pillar and damaged crumpled the fender. When we returned the car at Heathrow, the rental car agency learned that...
by JaneyLH
Wed Oct 10, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: Advice on Three-Night English Road Trip
Replies: 30
Views: 2116

Re: Advice on Three-Night English Road Trip

If you or your wife have ever watched Downton Abbey, you might be able to combine a visit to Stonehenge (which I have always found fascinating and chill-inducing) with a visit to the real life DA... Highclere Castle, which is very close by. My husband and I spent 4-5 hours there, and were the last t...
by JaneyLH
Tue Oct 09, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: Death Valley Trip Recommendations?
Replies: 19
Views: 1278

Re: Death Valley Trip Recommendations?

My strong advice is to make plans to visit next month during the period of November 4-11. There is a wonderful event that has been held in Death Valley for the last 68 years called the "Death Valley '49ers Encampment". It's a western heritage and music festival that includes historical programs, pro...
by JaneyLH
Wed Oct 03, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Plan For Depleting Your Investments If No Heirs?
Replies: 39
Views: 4782

Re: Plan For Depeting Your Investments If No Heirs?

Easy answer! Search Bogleheads for “Variable Percentage Withdrawal”. This is what I’m doing.
by JaneyLH
Wed Sep 26, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care
Replies: 92
Views: 4864

Re: Long Term Care

Consider what would happen to your spouse if you were incapacitated by illness or accident, requiring nursing home care for an extended period. What kind of facility would you choose and how much would this care cost? How long would it take for your assets to be depleted? What if both you and your s...
by JaneyLH
Mon Sep 17, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 7157

Re: Is there such thing as saving TOO much?

My husband and I were similarlarly very thrifty. Both divorced and recovering from the economic results. Now, after 14 years of our second marriage, we have MORE money than we ever expected. Our challenge is spending the appropriate amount of money now, but it is a good burden to have!
by JaneyLH
Mon Sep 17, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3597

Re: Equity in house / Do you use it?

No. No. No.
by JaneyLH
Sat Sep 01, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones advising roll over 401K to their IRA
Replies: 44
Views: 3844

Re: Edward Jones advising roll over 401K to their IRA

I can only tell you, I was in your shoes once. I found this wonderful group of people who gave me the advice and encouragement I needed to fire my financial advisor ( not nearly as bad as an EJ agent) and strike out on my own with a simple strategy of indexed funds. I have probably saved $200,000......
by JaneyLH
Mon Aug 27, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 60
Views: 4914

Re: Considering iPad to replace failing Nexus tablet

I love my iPad Pro, and I love my Samsung phone. I don’t have any problem moving back and forth between the two platforms. I use the Chrome browser on both (as well as on my Windows laptop). I had a Samsung tablet before the iPad but it pretty much died an early death — slowed way down and the sound...
by JaneyLH
Mon Aug 27, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: Need a cheap smartphone - no service needed
Replies: 29
Views: 2443

Re: Need a cheap smartphone - no service needed

chinchin wrote:
Fri Aug 24, 2018 2:03 pm
iPod Touch. Runs iOS.
This is what my husband got to supplement his cheap flip phone. Uses it on WiFi and for some apps that don’t require data service.
by JaneyLH
Mon Aug 27, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: VRBO (or equiv) or RV to see America?
Replies: 12
Views: 1515

Re: VRBO (or equiv) or RV to see America?

Recommend the RV approach because of the flexibility to change plans at a moment’s notice, and how nice it is to have all your own things with you. We have often decided to stay longer in places that had more to offer than we expected, or left early when we encountered smoke or bad weather. It’s ver...
by JaneyLH
Sun Aug 26, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: Are Your Investment and Retirement Accounts Protected?
Replies: 7
Views: 1338

Re: Are Your Investment and Retirement Accounts Protected?

Schwab seems to be the clear leader in client protection, having just 2 requirements associated with their guarantee. The two things Schwab requires are: 1. Safeguard your account access information. 2. Report any unauthorized transactions to us as quickly as possible. The 29 things Vanguard requir...
by JaneyLH
Sat Aug 18, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Recent Trip to Naples, Italy
Replies: 14
Views: 1927

Re: Recent Trip to Naples, Italy

Thanks for the review. I will be in Naples in November (I've spent a couple days there previously, but looking to do different things). If you go to those major tourist cities in Sept-May you will generally experience much smaller crowds. I don't think you need to ignore them altogether. +1 My husb...
by JaneyLH
Sat Aug 18, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2310

Re: Soap for hand washing dishes

I'm just curious... how in the world would one go about washing dishes with a bar of soap? Does she rub the bar on the dishes? Or does she hold the bar under a stream of water to try to make a sink full of soapy water? I would like to know how she does it, because it might be handy sometime camping ...
by JaneyLH
Thu Aug 16, 2018 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Big 4 Who Jumped to Industry - Compensation
Replies: 35
Views: 5904

Re: Big 4 Who Jumped to Industry - Compensation

Left Big 4 firm as Sr. Manager to start up IT Audit function for Fortune 250 company in early 90s. Got stock options and great opportunities to change career path. Was great move that created wealth I had never expected.
by JaneyLH
Sat Aug 04, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10490

Re: Few weeks into new job recieved significantly better offer elsewhere

You may burn bridges if the community is small enough and folks know each other. However, in a tight market, employers just have to kind of deal with it. It does say something about someone's commitment and integrity level when they don't honor commitments. I'm in my early 60s and retired -- but ha...
by JaneyLH
Tue Jul 31, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Question to retirees - money or work/life balance?
Replies: 46
Views: 5540

Re: Question to retirees - money or work/life balance?

I took what I could but left through a side door when the opportunity arose. My colleagues either thought I was brilliant or insane. When I had enough, I left. No regrets, just joy.
by JaneyLH
Tue Jul 31, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: If History says.... would you change 4% rule ?
Replies: 27
Views: 2880

Re: If History says.... would you change 4% rule ?

Hard to believe nobody has brought up Bogleheads Variable Percentage Withdrawal method. https://www.bogleheads.org/wiki/Variable_percentage_withdrawal This is what I’m doing, as I have no need to leave a large legacy to anyone. Having no children, my husband and I are enjoying the retirement we hope...
by JaneyLH
Tue Jul 31, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6561

Re: Hold one stock 25 years

No single stocks, I’ve been working over the last few years to divest myself of them.
by JaneyLH
Sat Jul 28, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4401

Re: Ex-Spouse and Will Executor Hasn't Paid Bequest

[/quote] Civil is one thing, criminal is another. I have the quaint notion that people should be called to account for theft, at least exposed as thieves, even if no action is taken. [/quote] Yes, that is what is in the back of my mind. At least the original attorney who drew up the trust will know,...
by JaneyLH
Sat Jul 28, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4401

Re: Ex-Spouse and Will Executor Hasn't Paid Bequest

My gut reaction from the outside, and with the limited information, that it just isn't worth it to chase after $10k. And while the FIL clearly wanted OP to have money, would FIL want his son embroiled in a civil or even criminal malfeasance investigation? Actually, my former FIL was not my ex-husba...
by JaneyLH
Fri Jul 27, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4401

Re: Ex-Spouse and Will Executor Hasn't Paid Bequest

Many thanks to everyone who replied. There is always a wealth of wisdom to be mined here! My takeaway from all this good advice is that I don't care enough about a relatively small bequest to get a lawyer involved or try to collect it in some fashion. I am more interested in obtaining closure, and c...
by JaneyLH
Wed Jul 25, 2018 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4401

Re: Ex-Spouse and Will Executor Hasn't Paid Bequest

I would contact the attorney who contacted you. Even if he is not still in business, you may be able to reach him. If he is ethical, he ought to be able to do something about this especially since the responsible person is a family member. Since the attorney was presumably the trust attorney he may...
by JaneyLH
Wed Jul 25, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 7389

Re: Daughter wants to travel on her own to Montreal

Pajamas wrote:
Wed Jul 25, 2018 6:12 pm
JaneyLH wrote:
Wed Jul 25, 2018 2:41 pm
cherry cake with pits
Thanks for my "you learn something every day" moment! Apparently that's called Spuckkuchen or "spit cake" and the particular sour cherries used in it are so small that they can't be pitted whole.
Ah... so good to know what I was eating 48 years ago!
by JaneyLH
Wed Jul 25, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4401

Ex-Spouse and Will Executor Hasn't Paid Bequest

My former father-in-law passed away in 2011 and left me a bequest of $10,000. His attorney contacted me to double-check my contact information, then sent me a copy of his estate trust and a notification that I was a trust beneficiary. His stepson, my ex-husband, is the trustee. I have never received...
by JaneyLH
Wed Jul 25, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 7389

Re: Daughter wants to travel on her own to Montreal

Your daughter will likely gain a significant life experience by taking this trip, and it could impact her future in ways you can't imagine. Having never traveled out of state or away from my parents, I spent the summer between high school and college working in Germany. My high school German teacher...
by JaneyLH
Wed Jul 25, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Guilt at buying nice things for myself
Replies: 28
Views: 3858

Re: Guilt at buying nice things for myself

Over time I have learned what I really value (travel, experiences, music, time with friends) and what I don't value (cars, houses, fancy clothes, new electronics, general stuff). I spend a lot on the former and the bare minimum on the latter. As for what other people think, I could not care less. +...
by JaneyLH
Wed Jul 25, 2018 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17900

Re: Salary vs. Lifestyle

Over a 10-year period, I earned an average of $300k annually. My job was high stress and required long hours and travel, but I enjoyed the achievement. I had a beautiful house and nice car but I ended up losing my husband. At a pivotal time in my career I made the decision to change direction and be...
by JaneyLH
Wed Jul 25, 2018 12:04 am
Forum: Personal Finance (Not Investing)
Topic: long term care insurance - is it worth it ?
Replies: 8
Views: 1173

Re: long term care insurance - is it worth it ?

Here was my thinking... At any time I could have an accident or develop an unexpected serious illness that could require expensive ongoing care. Do I want to place my spouse in a position of having to deal with the financial fallout of this situation and possibly rob him of the future he spent his e...
by JaneyLH
Sat Jun 30, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: States that are investments/tax unfriendly?
Replies: 27
Views: 3435

Re: States that are investments/tax unfriendly?

Consider Nevada. Beautiful eastern Sierra... No state income tax and home prices about half of California (except for Tahoe lakeview homes!}
by JaneyLH
Thu Jun 28, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?
Replies: 21
Views: 3240

Re: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?

The Chase Sapphire Reserve is essentially a $150 card, since you're getting credit for $300 of your travel expenses. You also get TSA Precheck/Global entry credit, which will save you plenty of time and hassle, especially returning exhausted from an international flight--I was through immigration a...
by JaneyLH
Thu Jun 28, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 55
Views: 5987

Re: Do you cancel old credit cards?

I would never open an account that charged me a fee. so I see no need to cancel an old one. If you fly frequently, you probably wouldn't mind paying a fee to get the 50,000 bonus miles and Priority Lounge Pass. TravelforFun I got my Chase Sapphire Reserve card when they were still offering 100,000 ...
by JaneyLH
Thu Jun 28, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 70
Views: 9238

Re: Pre nups.

While I agree that each party should have a separate attorney - if both parties are 100% in agreement - might not two attorneys from the same firm tend to reduce costs? Having the same attorney can compromise the integrity of the document and gives the lesser net worth spouse the opportunity to cha...
by JaneyLH
Wed Jun 20, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 47
Views: 3713

Re: Vanguard Surveys

Sounds like Vanguard does a lot of surveying! I just received a request that was strictly customer satisfaction oriented -- and no payoff of any kind offered. The email said: "Vanguard would like your feedback. Vanguard is committed to providing you with exceptional service. For this reason, we are ...
by JaneyLH
Sat Jun 02, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 3355

Re: June in Paris: What to (or not to) wear, see and do?

Download the Rick Steves Louvre tour on your smartphone. Get a headphone splitter so you can both plug in earbuds at the same time. You will see all the “must see” treasures in the most logical way and hear a very entertaining narrative. You can cover the highlights in less than 2 hours without gett...
by JaneyLH
Sun May 27, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 6231

Re: Alexa Echo sent family's audio file to a contact

My husband and I were given an Echo as a Christmas gift. We would never have thought of getting one, but we set it up and enjoy having it. We start every day saying good morning to Alexa and learning something interesting about what happened on that date. Alexa tells us what the weather will be and ...
by JaneyLH
Wed May 23, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Car wreck insurance settlement
Replies: 19
Views: 1881

Re: Car wreck insurance settlement

I was in a similar situation, except that I was rear-ended by an uninsured motorist, so it was my own auto insurance company that was responsible. My employer-provided medical insurance paid my medical bills but were repaid after I got my settlement. I did not get a lawyer and negotiated my own sett...
by JaneyLH
Sun May 20, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 33
Views: 2421

Re: Rental cars in Europe

I have had the experience of showing up to a rental car company at Heathrow only to be told they had run out of the economy car I had booked for 3 weeks. I was offered am upgrade to a large SUV at the same price. I refused because of the gas price and the difficulty parking such a large vehicle. I w...
by JaneyLH
Wed May 16, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 61
Views: 7241

Re: Amazon Prime - Decline in Delivery Service?

We are increasingly getting shipments late, sometimes days after due considering our Prime membership. Today I was ready to send in an order, but one Prime item showed up as being delivered "May 18-30". But if I was willing to pay $29.95, I could get it tomorrow! This was not a heavy or bulky item, ...
by JaneyLH
Tue May 15, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 3558

Re: Grand Canyon or other Nat'l Park in October?

I would vote Yosemite, Yosemite, Yosemite. Mid-October is beautiful there.
by JaneyLH
Tue May 15, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Company shows only 30-50% of the time to build screened porch
Replies: 10
Views: 983

Re: Company shows only 30-50% of the time to build screened porch

Your state contractors board is a more potent agency to use than the BBB if escalation is needed. They regulate the licensing of contractors and administer fines. If you end up needing to file a complaint, they will investigate. The BBB can only publish a bad review and perhaps adjust their score fo...
by JaneyLH
Thu May 10, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 8029

Re: [Golf ball] cracked my house window. Do I have any recourse?

I had some friends who lived on a golf course, and enjoyed picking up all the balls that landed in their yard and giving them to their golfing friends. They usually had 2 or 3 baskets of balls sitting around the house. Once I was visiting and we were all sitting in the lovely backyard when I was hit...
by JaneyLH
Tue May 01, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 12500

Re: Amazon to raise Prime membership in US to $119 from $99

When Amazon delivers on its offer to Prime customers I am happy to pay for the service. I live in a community where there are few shopping alternatives. But in the last 6 mos or so, there are more and more instances where prime deliveries are late, and we are sometimes gone. Doesn’t work for us unl...
by JaneyLH
Sun Apr 29, 2018 8:08 pm
Forum: Investing - Theory, News & General
Topic: Has anyone started a brokerage account for their child?
Replies: 6
Views: 1089

Re: Has anyone started a brokerage account for their child?

A niece and a nephew. (Parents helped out with the paperwork.) Never procreated myself. :happy
by JaneyLH
Fri Apr 27, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 11956

Re: Cashing out of the Bay Area

I left the Bay Area in 2000 and am so glad I did. Sure, the home I left would have run up but once I didn't have to work at a Bay Area location I couldn't wait to escape the traffic and congestion. I've lived in the Lake Tahoe area for 18 wonderful years and couldn't be happier. My cost of living wa...
by JaneyLH
Fri Apr 27, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed and waay out of my league
Replies: 41
Views: 5806

Re: Newly widowed and waay out of my league

What a horrible, shocking thing you are going through. This is a great support group you have found. You will get sound, reliable advice. The counsel you have been given about not making any quick decisions is good. Give yourself some time to adjust to your new reality. I'm so sorry about your situa...