Search found 157 matches

by Jcraz13
Mon Jun 04, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 4914

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

My parents also used to live in Sun City West, where most of the people are snowbirds and the population drops by 2/3 in the summer. You would not expect senior citizens to be running around in the heat, but as a 40 year resident of Scottsdale the rest of the Valley is very active during the summer....
by Jcraz13
Thu Mar 29, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Fitbit One alternative? (simple clip pedometer)
Replies: 9
Views: 963

Re: Fitbit One alternative? (simple clip pedometer)

This may be what you are looking for :

https://www.amazon.com/3DTriSport-Pedom ... B07BNM7JFV

Great clip or can wear in pocket or around neck . No phone sync but I’ve had Fitbit and others this is way more accurate ,
Good luck !
by Jcraz13
Mon Mar 26, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23987

Re: Anyone Deleting Facebook?

FTC investigation : https://www.cnbc.com/amp/2018/03/26/ftc-confirms-facebook-data-breach-investigation.html But probably won’t amount to much . I hope this doesn’t go away soon in media . And people need to demand some accountability. protagonist, Thank you for the detailed response. My point is t...
by Jcraz13
Mon Mar 26, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23987

Re: Anyone Deleting Facebook?

FTC investigation but probably won’t amount to much . I hope this doesn’t go away soon in media . And people need to demand some accountability. protagonist, Thank you for the detailed response. My point is that the danger of Facebook is not because of the information that it has on any one of us—bu...
by Jcraz13
Sun Mar 25, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23987

Re: Anyone Deleting Facebook?

This is incorrect . I downloaded my data , I use an iPhone and my text and call history as well as contacts were all there. Facebook has been collecting call history and SMS data from Android devices Facebook hasn’t been able to collect this data on iPhones thanks to Apple’s privacy controls https:/...
by Jcraz13
Sat Mar 24, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23987

Re: Anyone Deleting Facebook?

No, see my earlier posts . I’m aware tons of companies track us . However , while I might expect ads on Facebook for things I’ve shopped for , etc. I don’t recall giving them permission to get into my contact list on my phone or private communications . Friends lists , yes , ads yes , and I know App...
by Jcraz13
Sat Mar 24, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23987

Re: Anyone Deleting Facebook?

Many other tools are out there . I’m not too comfortable looking at my downloaded archive for 8 years and seeing every contact I ever had and phone call I made as well as many texts a part of Facebooks data . I never gave them permission for that . I'm not deleting it. Half of my family and most of ...
by Jcraz13
Sat Mar 24, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23987

Re: Anyone Deleting Facebook?

There’s a service called delete me you can use but it costs . As posted earlier, never had it, never will. That said I've been reading this thread and seen a couple of people mention that false accounts have been created with their name. I thought that worth investigating and so googled my name whic...
by Jcraz13
Sat Mar 24, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23987

Re: Anyone Deleting Facebook?

Well many younger folks aren’t on it as well, including many in tech business . And your premise is not correct either for the age ranges ,most people on Facebook are OVER 35, young folks on Snap and Insta and Twitter. Their parents or grands on Facebook. Wow some real sampling bias going on here or...
by Jcraz13
Fri Mar 23, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23987

Re: Anyone Deleting Facebook?

Actually some younger posters/millennials have chimed in saying they are off Facebook or considering it due to recent issues . I read the first page and scanned the rest of this thread so apologies if this was mentioned already. Based on the demographic that I think probably comes to this forum I c...
by Jcraz13
Fri Mar 23, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23987

Re: Anyone Deleting Facebook?

Actually a number of younger posters/millennial have chimed in saying they are off Facebook or considering it due to recent issues . I read the first page and scanned the rest of this thread so apologies if this was mentioned already. Based on the demographic that I think probably comes to this foru...
by Jcraz13
Fri Mar 23, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23987

Re: Anyone Deleting Facebook?

I have a difficult time believing that reading Facebook posts makes us better critical thinkers . First, who knows who is actually posting , second , a book or discussion with a friend may change my mind on a variety of topics . It is doubtful a Facebook post or tweet would do so , at least for me ....
by Jcraz13
Thu Mar 22, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23987

Re: Anyone Deleting Facebook?

As I said, anyone is free to be on it or not be on it. I see valid reasons for both. The current hue and cry is about privacy and selling your personal info, I am just making a point deleting Facebook will do little about that . I hope it doesn't kill you. :wink: :beer The irony in all this is that ...
by Jcraz13
Thu Mar 22, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23987

Re: Anyone Deleting Facebook?

The irony in all this is that all of you so concerned about privacy and security probably are online every day. Probably are tracked by grocery stores, your phone, and banks and amazon and google. No one has to be on Facebook and many may not want to be. I would imagine this site skews a bit older s...
by Jcraz13
Fri Feb 09, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Question re: Bond Fund Principal
Replies: 5
Views: 440

Re: Question re: Bond Fund Principal

Here is one quoting Ric Edelman : https://www.marketwatch.com/story/bbond-apocalypse-could-wipe-out-retirees-2016-11-17 Dear BH, As an investor in the Vanguard Total Bond Fund , I have read several articles that state that Bond Funds may not guarantee a return on principal as individual bonds might...
by Jcraz13
Fri Feb 09, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Question re: Bond Fund Principal
Replies: 5
Views: 440

Question re: Bond Fund Principal

Dear BH, As an investor in the Vanguard Total Bond Fund , I have read several articles that state that Bond Funds may not guarantee a return on principal as individual bonds might . Is this true ? Is there more risk in a bond fund than in individual bonds ? I’m not talking about normal ups and downs...
by Jcraz13
Fri Nov 10, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: The Next Bear Market, Ben Carlson
Replies: 13
Views: 2428

The Next Bear Market, Ben Carlson

http://awealthofcommonsense.com/

Very well done, and a nice BH emphasis .
by Jcraz13
Wed Oct 11, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Safety and Merits of Federal Farm Credit Bonds
Replies: 6
Views: 1271

Re: Safety and Merits of Federal Farm Credit Bonds

Bueller? Bueller?

Last shot at seeing if any bh own these, or those more enlightened than I have any thoughts on these bonds yay or nay. Seem to offer good interest and backed by government, an agency bond and AAA rated. Any downsides?
by Jcraz13
Tue Oct 10, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Safety and Merits of Federal Farm Credit Bonds
Replies: 6
Views: 1271

Re: Safety and Merits of Federal Farm Credit Bonds

Bump .

Curious if any Bh dabble in FFCB and upside /downside of owning
by Jcraz13
Tue Oct 10, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Safety and Merits of Federal Farm Credit Bonds
Replies: 6
Views: 1271

Re: Safety and Merits of Federal Farm Credit Bonds

Eight year old thread but I was curious about this too . Any bh Into these Fed Farm bonds ? my understanding is that they are exempt from state and local taxes not Federal. Can someone outline the relative merits of Federal Farm Credit bonds vs. CDs and other agency issues? With 3 year CD rates low,...
by Jcraz13
Thu Oct 05, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 8626

Re: Peter L. Bernstein: Cash BETTER than Bonds

This what I do as well with CDs. I don’t trust myself to not tinker . :oops:

Slothmeister wrote:
Thu Oct 05, 2017 11:20 am
In an aging bull market, I like my fixed-income in CDs. It helps establish a strong disparity between it and my equities. Plus, it will deter me from tinkering.
by Jcraz13
Thu Oct 05, 2017 9:13 am
Forum: Investing - Theory, News & General
Topic: Predicting the Next Recession: Ben Carlson
Replies: 3
Views: 809

Predicting the Next Recession: Ben Carlson

Another interesting read, some great historical stats, and another feather in the cap for the Boglehead way! No one can tell, so Stay the Course!

http://awealthofcommonsense.com/2017/10 ... recession/
by Jcraz13
Sat Sep 16, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 8161

Re: Distressing news -> Flight to Safety ?

I'm more impressed you typed this all out than by the song itself :shock: :beer Lyrics Harry Truman, Doris Day, Red China, Johnnie Ray South Pacific, Walter Winchell, Joe DiMaggio Joe McCarthy, Richard Nixon, Studebaker, Television North Korea, South Korea, Marilyn Monroe Rosenbergs, H-Bomb, Sugar R...
by Jcraz13
Fri Sep 15, 2017 11:33 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 15150

Re: Account security - Hackers gain access to mobile and then break havoc

Maybe I am naive- wouldn't having the two factor security at Vanguard set to a phone call , not mobile text, to a landline or office phone landline solve most issues if your mobile number was stolen? Then the criminal could not do anything since the call had to be to a secure landline inside home or...
by Jcraz13
Thu Sep 07, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 15786

Re: Florida Hurricanes: When and where to go?

The swath of this one is a lot larger . Agreed only coastal areas under mandatory evacuation . However , if it is a direct hit on Miami and plows up center of state it will be way worse than. Andrew. Hope those farther inland riding it out are safe . [/quote] [/quote] Depending on exactly where you ...
by Jcraz13
Thu Sep 07, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 15786

Re: Florida Hurricanes: When and where to go?

A Cat 5 is not like the storms you describe . It is foolhardy to ride this out unless you are a moron ,ignoring all the advice given by state and local governments . Florida has not encountered a storm like this in modern history . If it misses and you have left you are out time time and bucks. If y...
by Jcraz13
Thu Sep 07, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 15786

Re: Florida Hurricanes: When and where to go?

A Cat 5 is not like the storms you describe . It is foolhardy to ride this out unless you are a moron ,ignoring all the advice given by state and local governments . Florida has not encountered a storm like this in modern history . If it misses and you have left you are out time time and bucks. If ...
by Jcraz13
Thu Sep 07, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 15786

Re: Florida Hurricanes: When and where to go?

A Cat 5 is not like the storms you describe . It is foolhardy to ride this out unless you are a moron ,ignoring all the advice given by state and local governments . Florida has not encountered a storm like this in modern history . If it misses and you have left you are out time time and bucks. If ...
by Jcraz13
Thu Sep 07, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 15786

Re: Florida Hurricanes: When and where to go?

A Cat 5 is not like the storms you describe . It is foolhardy to ride this out unless you are a moron ,ignoring all the advice given by state and local governments . Florida ha not encountered a storm like this in modern history . If it misses and you have left you are out time time and bucks. If yo...
by Jcraz13
Fri Aug 11, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429936

Re: U.S. stocks in freefall

That saying based on a true story by Art Cashin. Based on his experience on the floor during the Cuban crisis . Be long on Armageddon, not short . If you are wrong who settles the trade , Lol. Great line . https://www.google.com/amp/s/www.bloomberg.com/amp/view/articles/2015-10-09/the-world-is-endin...
by Jcraz13
Wed Jul 26, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 5818

Re: Moving to Phoenix. Need advice.

Well, we are the fifth largest city in the nation . The same is true in any large city . In my forays downtown you run into homeless and druggies , but the downtown is now really safe at night compared to 20 years ago. Lots of gentrification , great eats ,ASu,U of A med center and a vibrant night li...
by Jcraz13
Tue Jun 13, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 5818

Re: Moving to Phoenix. Need advice.

Are there any particular neighborhoods I should be trying to stay away from? Yes, many. Too many to list here. You'll be surprised. Also watch out for the doped zombies you'll see wandering the streets and freeway offramps. Phoenix is going down. I'd choose Scottsdale, though in truth I'd avoid Ari...
by Jcraz13
Thu Jun 08, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 5818

Re: Moving to Phoenix. Need advice.

Long time Phoenix resident now in Scottsdale. Phoenix is now the fifth largest metro area in USA. Like most cities, areas to avoid and areas that are great. The city core has undergone revitalization lately and lots of people moving back into the Central and downtown corridor. To my knowledge, Madis...
by Jcraz13
Mon May 22, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Church Money
Replies: 54
Views: 6191

Re: How to Invest Church Money

Have you ever started a church from the ground up? I have . Part of a church that lost their rental facility after being in a school three years . The rent doubled . New churches are often hampered by lack of resources . And if not backed by a larger denomination or mother church , unless it explode...
by Jcraz13
Mon May 22, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Church Money
Replies: 54
Views: 6191

Re: How to Invest Church Money

Why keep a reserve ? Well let's see : Rent increases . What if they lose their worship space and rent doubles? Hiring staff. For the ministry of the church to invest in community . Down payment on property /architect / building . Electronic worship and band equipment Youth ministry . I agree . Don't...
by Jcraz13
Mon May 22, 2017 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest Church Money
Replies: 54
Views: 6191

Re: How to Invest Church Money

For the flip responders who say the church should give it to the poor or not invest I am guessing most of you are not active in church leadership. A church is a non-profit, and of course, as such should not be hoarding money. However, being involved in the leadership of a large church (3500 members)...
by Jcraz13
Sat May 20, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 3741

Re: Chandler, AZ

As a long time resident , I would also like to point out if you can afford a luxury home you can probably also afford to leave for most or all of the summer :sharebeer . Half of the Phoenix metro area is up north or in San Diego in July and August .
by Jcraz13
Fri May 19, 2017 12:41 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429936

Re: U.S. stocks in freefall

Understand , yes it dropped the most in six months . What it took me a long time to figure out is over two or theee decades the market could go up or down one percent a day or five percent a week or even ten percent in one day , but that is not as important as the time in the market over those same ...
by Jcraz13
Thu May 18, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 3741

Re: Chandler, AZ

I live in Scottsdale would recommend Chandler . When winter visitors are here December to April traffic is getting ugly . Room to grow in Chandler / Gilbert . Lots of stores and good health care developing in the East Valley . I moved to Phoenix in 1968. Quite a bit different then , but as other pos...
by Jcraz13
Thu May 04, 2017 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Medallion Signature for Vanguard Trust
Replies: 29
Views: 4369

Re: Medallion Signature for Vanguard Trust

They are required for all trust inheritances at Vanguard . We went through it and used our credit union . Voice verification only has to do with accessing your own accounts by phone , nothing to do with trust or will disbursement of assets at time of death.
by Jcraz13
Tue Mar 14, 2017 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Scottsdale Real Estate Market
Replies: 9
Views: 1684

Re: Scottsdale Real Estate Market

I have lived in Scottsdale for 11 years . The price range of home you are looking at has stalled a bit recently , but I wouldn't be worried about a home losing value in a growing market . Phoenix and Scottsdale continue to grow and now would be a great time to get a deal . Interest rates will contin...
by Jcraz13
Mon Mar 06, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 188
Views: 23815

How Much in Your Emergency Fund And Is It Used?

http://www.bankrate.com/finance/consumer-index/money-pulse-0117.aspx This in all practicality means less than half of Americans don't have money to cover $500.00 in expenses that might arise unexpectedly. And yet it seems the restaurants and coffee shops are full. Assuming most on this forum are fru...
by Jcraz13
Mon Mar 06, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Less than Half of Americans Have An Emergency Fund
Replies: 2
Views: 633

Less than Half of Americans Have An Emergency Fund

This can't end well.... http://www.bankrate.com/finance/consumer-index/money-pulse-0117.aspx This in all practicality means less than half of Americans don't have money to cover $500.00 in expenses that might arise unexpectedly. And yet it seems the restaurants and coffee shops are full. Seems to me...
by Jcraz13
Wed Feb 22, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Mysteries or other books set in contemporary Japan?
Replies: 14
Views: 1351

Re: Mysteries or other books set in contemporary Japan?

azurekep wrote:Try the John Rain series by Barry Eisler.

The first book is "A Clean Kill in Tokyo" (previously publised as "Rain Fall").

John Rain is half-Japanese, half-American. The mysteries are fast-paced thrillers.

https://www.amazon.com/Clean-Tokyo-Prev ... 477820809/
+1
by Jcraz13
Fri Feb 17, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 121
Views: 8531

Re: Vanguard Web Site Down?

its you, i just got on, no problems No, it wasn't isolated. Massive outage for several hours, appears to be fixed. Unacceptable it was down when market opened for several hours. If at night or for servicing, understood. Really? SEVERAL hours? Strange thing is I opened an account for BIL, and did so...
by Jcraz13
Fri Feb 17, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 121
Views: 8531

Re: Vanguard Web Site Down?

DEZ1 wrote:its you, i just got on, no problems
No, it wasn't isolated. Massive outage for several hours, appears to be fixed. Unacceptable it was down when market opened for several hours. If at night or for servicing, understood.
by Jcraz13
Fri Feb 17, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 121
Views: 8531

Re: Vanguard Web Site Down?

Man, I remember when I got my account updates by reading my statement that was mailed to me once a month. My contributions were mailed in by check. I could send instructions by letter. It was really cool when I could change money between accounts by calling an automated phone system (they called it...