Search found 222 matches

by jimgour
Mon Aug 07, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 1875

Re: Santa Fe New Mexico - recommendations

PS Don't skip Bandelier National Monument. I didn't mention it in my post above because others already talked about it. It is a gem, and you won't regret going there. But you might want to spend a day there, including a hike through the Tsankawi part of Bandelier (a lot less people) which is physica...
by jimgour
Mon Aug 07, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 1875

Re: Santa Fe New Mexico - recommendations

JMKEBogleGuy: You've been given some good advice so far. There is a lot to see and do in northern New Mexico. In addition to "The High Road to Taos", I would also recommend "The Jemez Loop", which is a nice day trip. Don't google "Jemez Loop" because I just made the name up. We have lived in Norther...
by jimgour
Fri Aug 04, 2017 7:26 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7333

Re: Study: Who Sold Stock During the 2008-9 Crash?

We are in the category of people who didn't sell anything, in any downturn, ever, but I did rebalance (without changing my asset allocation). But some "background" information might be of use here. My wife and I were always good "savers", but like many here, we were not good "investors" in the early...
by jimgour
Wed Aug 02, 2017 5:55 am
Forum: Investing - Help with Personal Investments
Topic: Will my older self thank me?
Replies: 38
Views: 3132

Re: Will my older self thank me?

Not only will you thank yourself later, take a minute right now every day to give yourself a pat on the back. You are way ahead of people who laugh at you now. It won't take many years before they envy you (if they ever discover how much more financial security you have than they do). Keep up the go...
by jimgour
Wed Aug 02, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: Any problem leaving a hole in ceiling of garage?
Replies: 27
Views: 1961

Re: Any problem leaving a hole in ceiling of garage?

Yes, there is a problem. Even if it is a small hole, it is a big problem. As stated above, the drywall in garages is required to be a fire wall. That is the biggest problem. The CO problem is of lower concern (CO is heavier than air), but if enough fills up the garage and is forced up into the house...
by jimgour
Tue Jul 18, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 35
Views: 4371

Re: Good Service for Flagship Investors

Fellow Bogleheads: Over the many years I have been with Vanguard, I have never received poor service. The representatives I got were always friendly, cheerful, knowledgeable, helpful, etc. I am a Flagship client and once wondered if I got better service because of that. However, I have often called ...
by jimgour
Tue Jul 18, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Investing, Saving, Debt reduction
Replies: 26
Views: 2152

Re: Advice Needed - Investing, Saving, Debt reduction

JWC: Just a bit of positive feedback here. Once you've "seen the light", it just gets easier, and it sure seems like you've seen the light. We, also, like Dave Ramsey's debt reduction/elimination mindset, but not his investing advice.

Congratulations on the progress you've made so far!

Jim
by jimgour
Tue Jun 27, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Voice Verification
Replies: 27
Views: 2163

Re: Vanguard Voice Verification

I've been using it since it was first offered, and it works great.

My advice? Do it!
by jimgour
Thu May 04, 2017 7:10 am
Forum: Personal Consumer Issues
Topic: Motor Home
Replies: 33
Views: 3919

Re: Motor Home

Maybe not TOTALLY serious but the common talk at RV parks among retired folks for their RVs is:

"Seats six for Happy Hour, four for dinner, and SLEEPS TWO!"

Jim
by jimgour
Wed May 03, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Motor Home
Replies: 33
Views: 3919

Re: Motor Home

Stillers: You have received some good advice so far. I don’t often post because I don’t consider myself an expert in very many areas. However, I do have extensive experience with RVing. This post will be long and maybe boring to many, so feel free to move on to the next post at any time. Our first R...
by jimgour
Wed Mar 15, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tag and Rate Photos in windows 10?
Replies: 7
Views: 686

Re: Tag and Rate Photos in windows 10?

Okay, let me know if it works for you. If you need any guidance, post again, or PM me.

Jim
by jimgour
Wed Mar 15, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Tag and Rate Photos in windows 10?
Replies: 7
Views: 686

Re: Tag and Rate Photos in windows 10?

Coffeehubcap: You can use the method I mentioned above. I don't use "star" ratings, but I work with over 100,000 photos. I just went in and marked two of my photos with five stars in the "Tags" field. When I did a search for photos with five stars, those two photos popped up imme...
by jimgour
Wed Mar 15, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Tag and Rate Photos in windows 10?
Replies: 7
Views: 686

Re: Tag and Rate Photos in windows 10?

Right click on your photo and then click on "Open with", and then click on "Windows Photo Viewer". You will then have numerous places to enter photo information, including a field called "tags".

You can enter info one photo at a time or many photos at a time.
by jimgour
Tue Feb 28, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Plans
Replies: 2
Views: 559

Retirement Plans

Wiley must be thinking about Retirement:
http://www.gocomics.com/nonsequitur

Jim
by jimgour
Thu Dec 15, 2016 6:18 pm
Forum: Investing - Theory, News & General
Topic: What % of People Invest in the Stock Market?
Replies: 29
Views: 5351

Re: What % of People Invest in the Stock Market?

First, thanks to everyone who has responded, even to those who did so in a slightly humorous way. I can't believe the great feedback that has already been posted. Second, I am now going to go out on a limb and send a link to this thread, to my friend. That may cause a bit of fireworks, but he is a g...
by jimgour
Thu Dec 15, 2016 3:49 pm
Forum: Investing - Theory, News & General
Topic: What % of People Invest in the Stock Market?
Replies: 29
Views: 5351

What % of People Invest in the Stock Market?

I have a friend I often discuss investing with. He is already retired, has a reasonable amount of money, and has tried many non-Boglehead tactics (Individual stocks, day trading, options, puts, etc.). He is also concerned that he may one day run out of money. I have been gently prodding him with sni...
by jimgour
Fri Dec 02, 2016 12:26 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 8063

Re: What percentage of international do you hold?

25% of our investments are in "Total International".

That is 33.33333% of our total equity investments.
by jimgour
Fri Dec 02, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: Rock Star Investors?
Replies: 4
Views: 775

Re: Rock Star Investors?

For what it's worth (no pun intended), Kris Kristofferson was as a Rhodes Scholar and I believe he wrote the song "Love of Money" which included the lyrics: Love of money is the root of all evil Love of money is the root of all evil Love of money is the work of the devil Love of money ... ...
by jimgour
Sat Nov 19, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: 5 reasons the rich are better investors than average Joe
Replies: 31
Views: 7816

Re: 5 reasons the rich are better investors than average Joe

To me, it looks like Richard Best has been reading at Bogleheads.org. He even gives us a kudo. I suspect he has read here that many people think Bogleheads are "rich". He then espouses many of our values and uses the term "rich investors". Then I read a lot of people responding w...
by jimgour
Wed Aug 24, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Letter From State Farm
Replies: 16
Views: 3979

Re: Letter From State Farm

Celia: It is almost a sure thing that we will cash in the policies and invest the proceeds. We don't need the insurance, and we don't need the money. I just want to see the numbers from State Farm before I pull the plug. Thanks for the number crunching. It certainly didn't cause me to think we shoul...
by jimgour
Wed Aug 24, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Letter From State Farm
Replies: 16
Views: 3979

Re: Letter From State Farm

Never2L8 (and others, of course): I met with our local agent this morning and selected option 2, which keeps the lower premium rate. From what I understood, for policy's like ours (and your's, too, it seems), you receive a letter with those two options in the month that your policy was issued, in th...
by jimgour
Wed Aug 24, 2016 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Letter From State Farm
Replies: 16
Views: 3979

Re: Letter From State Farm

Thanks to the both of you for the valuable advice. My first instinct was to go with the "NON" automatic choice, since I suspected the "automatic" option would be the one in favor of the company, rather than the client. That topic reminds me once again that decisions by some (most...
by jimgour
Tue Aug 23, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Letter From State Farm
Replies: 16
Views: 3979

Re: Letter From State Farm

Sorry for the delay in following up. I had to get the policies from our safe deposit box. Then I had to actually try to read them. The following information applies to both my, and my wife's policy: First of all, the policies were taken out before Bogleheads existed: 26 AUG 1976 Now for the informat...
by jimgour
Tue Aug 16, 2016 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Letter From State Farm
Replies: 16
Views: 3979

Re: Letter From State Farm

miles monroe/Bob B/skepticalobserver: I thank you each for responding. When my wife handed me the letter she asked if we still needed the policies. We each have a similar policy and we are expecting the "other letter" any day now. Don't tell her I said this, but I need to listen to my wife...
by jimgour
Tue Aug 16, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Letter From State Farm
Replies: 16
Views: 3979

Letter From State Farm

We still have an old insurance policy with State Farm that we've had for many years. We have not made any payments for decades since the earnings have covered the premiums. This year, we received a letter with two options to choose from. We have never received a letter like this in the many years we...
by jimgour
Sat May 28, 2016 7:16 pm
Forum: Personal Consumer Issues
Topic: Traveling through Albuquerque - safe to stop?
Replies: 50
Views: 6419

Re: Traveling through Albuquerque - safe to stop?

We live about two hours from Albuquerque and get there every month or two, for one reason or another. We've never had a security problem while visiting, shopping, etc. But then, we only moved here 40 years ago.

Jim (in New Mexico)
by jimgour
Fri May 13, 2016 4:09 am
Forum: Personal Consumer Issues
Topic: 1934 Auto Safety Test
Replies: 6
Views: 1030

Re: 1934 Auto Safety Test

Ah yes, back in the days when car bodies were unyielding and humans were the "crumple zone."


That is exactly what came to my mind when they were talking about how sturdy and rigid the frame was.

Jim
by jimgour
Thu May 12, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: 1934 Auto Safety Test
Replies: 6
Views: 1030

1934 Auto Safety Test

Since we often discuss cars and their safety tests, I thought this might be of interest. This is the first time I've tried posting a link, so I hope it works:
https://www.youtube.com/embed/bFl5pEe-7uo?feature=player_detailpage

Jim
by jimgour
Sun May 08, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: What advice (about anything) would you give your 30-35 year old self?
Replies: 29
Views: 3999

Re: What advice (about anything) would you give your 30-35 year old self?

About thirty-two and a half years ago? That would mean it would be 1974. I was just out of college, and it was the same year that John Bogle founded Vanguard! I would tell myself to contact St. Jack and beg him to carry on his work, because my (financial) life, as well as many thousands of others, d...
by jimgour
Wed May 04, 2016 9:10 am
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 9453

Re: How many funds in your portfolio?

The classic three:

50% Total Stock Market Index
25% Total International Index
25% Total Bond Fund
by jimgour
Sun Apr 24, 2016 8:03 am
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 66
Views: 7988

Re: Thinking about Mac (vs Windows)

I have often thought about switching to a Mac, but I have one big stumbling block. If anyone out there can "show me the light", I will make the leap. Here's the issue: Photography is my hobby. I've been taking photos for many, many years. I now have over 100,000 photos in my collection. Ov...
by jimgour
Thu Jan 28, 2016 5:19 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 15210

Re: What is your favorite Financial Quote or Metaphor??

Abe:

I think it is a long-winded way to say "Stay the Course!"

Jim
by jimgour
Thu Jan 28, 2016 4:40 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 15210

Re: What is your favorite Financial Quote or Metaphor??

"Investing in the market is like riding a roller coaster. It is going to go up, and it is going to go down. You may even get sick, but you'll only get hurt if you jump off." [By - I don't know]
by jimgour
Tue Jan 12, 2016 10:07 am
Forum: Investing - Theory, News & General
Topic: How common is this [Have more money 10+ years into retirement]
Replies: 72
Views: 10634

Re: How common is this [Have more money 10+ years into retirement]

This year will be 15 years in retirement (NOV 2001 ages 56 and 54). AA: 75% Stocks/25% Bonds (50% Total Stock Market/25% Total Int'l Stock Market/25% Total Bond) all at Vanguard. Have COLA pension which does not cover all expenses. Have been withdrawing < 3%. Have more now than when we retired (afte...
by jimgour
Thu Jan 07, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 9018

Re: Jackpot Now Estimated $700 Million, who's in?

For the record, if I win the jackpot, I will do my fair share of supporting the Boglehead site.
by jimgour
Thu Jan 07, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 9018

Re: Jackpot Now Estimated $700 Million, who's in?

My Fellow Bogleheads: Since we are talking "Chances" and "Odds" here, I'll say this. The chances of winning the entire $700,000,000 after buying one $2 ticket are INFINITELY higher than winning the $700,000,000 prize if you do not buy a ticket. To quote Red in "The Shawshank...
by jimgour
Mon Oct 05, 2015 11:39 am
Forum: Forum Issues and Administration
Topic: How did you find the bogleheads website??
Replies: 98
Views: 9079

Re: How did you find the bogleheads website??

How I found the Bogleheads? The answer is pure dumb blind luck! You don’t have to read any further, but here are the details: Somewhere back in the early eighties, my in-laws came for a visit. My father-in-law was always a tough person to have a conversation with. He fought in the Second World War (...
by jimgour
Sat Jul 11, 2015 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Can I make this mutual fund exchange? (IRA)
Replies: 6
Views: 475

Re: Can I make this mutual fund exchange? (IRA)

What do you mean by "non-deductible IRA"? Did you make deposits to that IRA with money you already paid taxes on? I wouldn't mix money from a 401k (deductible) with money in a "non-deductible" IRA. Maybe I am missing something here.
by jimgour
Mon Apr 13, 2015 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Engineering as a career for a graduating HS student ?
Replies: 60
Views: 6558

Re: Engineering as a career for a graduating HS student ?

I agree with the positive statements above that an engineering degree is a valuable and useful degree to have. I was a late bloomer and worked to get my degree after serving four years in the military. I have never regretted it. After graduation I sent out resumes and was offered seven interviews. A...
by jimgour
Mon Apr 13, 2015 5:53 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 9583

Re: Favorite Boglehead Avatar?

I vote for Taylor's sailboat.

My avatar clearly displays my favorite hobby (photography).
by jimgour
Wed Mar 25, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: My Lucky [Trading] Friend
Replies: 13
Views: 2395

Re: My Lucky [Trading] Friend

Barnaclebob wrote: "Im sure he isnt so forthcoming with emails about his losses." Mr first reaction to my friends email was to write something back to that effect. However, what I decided was to post his email, and then after a number of Boglehead responses, send him a link to my post with...
by jimgour
Wed Mar 25, 2015 12:01 pm
Forum: Investing - Theory, News & General
Topic: My Lucky [Trading] Friend
Replies: 13
Views: 2395

My Lucky [Trading] Friend

I received this message from a good friend this morning. Obviously he is not a Boglehead, but he was lucky this time (Note - I'm sure he is joking with his last sentence): The other day I bought KRFT (Kraft - the food company) it simply had a nice buy set up and we were trading it in the room. It lo...
by jimgour
Thu Feb 19, 2015 3:20 pm
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 3873

Re: Music / Song Help

I just thought of another one:

Bummer - by Harry Chapin

It is almost ten minutes long.

Warning: Adult Content. Here is a link and a half:

https://video.search.yahoo.com/video/pl ... mp=yhs-001
by jimgour
Thu Feb 19, 2015 3:04 pm
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 8855

Re: Car Battery in Unusual Cold

One reason batteries fail in cold weather is that it is more difficult to turn over the engine when the oil is cold. Most batteries don't really "fail" when the temps drop. The main reason the car doesn't start is because on old battery that could turn over an engine at 50 degrees may not ...
by jimgour
Thu Feb 19, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 3873

Re: Music / Song Help

Time - by ELO
Bat Out of Hell - by Meatloaf
30,000 pounds of Bananas - by Harry Chapin
by jimgour
Sun Feb 15, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 6966

Re: Recommend a movie for a lonely Boglehead on Valentine's

"Last of the Dogmen"

Poor Reviews, great movie. It grows on me every time I watch it.
by jimgour
Fri Jan 16, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 4072

Re: Options for moving our pets across country

By the way, the "nicest" "pet friendly" motel we've found while driving around the country is La Quinta. If there are other nice ones, I'd like to know about them, as would others.
Jim
by jimgour
Thu Jan 15, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 4072

Re: Options for moving our pets across country

We have traveled with a number of cats over the years. We currently have three cats (all rescued from shelters), and all get a bit nervous when we first head out. One thing I have learned about cats is that they are uncomfortable with anything "new". For the first hour of travel by vehicle...
by jimgour
Wed Dec 03, 2014 10:42 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 18872

Re: Stanley Kubrick's 2001 a space odyssey

My Take: The movie was for special effects. The book was for understanding the movie: At the early dawn of the development of humans, earth was visited by a very advanced alien race. They saw potential, but not the probability of survival for our ancestors to develop. So, they gave them a little hel...