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Re: Movie dialog, "The Social Network." Hard to hear?

I have not seen that movie, but I always click on the English tittles on any of the movies I rent. It makes it much easier for me to follow the action without having to be concerned about missing any dialogue.
by JMacDonald
Sat Nov 22, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Movie dialog, "The Social Network." Hard to hear?
Replies: 8
Views: 470

Re: TSM vs S&P500

I use the TSM for my taxable account. It is interesting to do a side by side comparison: https://personal.vanguard.com/us/funds/vanguard/compare?navigatingFrom=6 All I see is a blank page. I assume it's locked because I see the padlock symbol on the right side. Well, I did a preview and the link wo...
by JMacDonald
Fri Nov 21, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: TSM vs S&P500
Replies: 19
Views: 1816

Re: TSM vs S&P500

I use the TSM for my taxable account. It is interesting to do a side by side comparison:

https://personal.vanguard.com/us/funds/ ... tingFrom=6
by JMacDonald
Fri Nov 21, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: TSM vs S&P500
Replies: 19
Views: 1816

Re: Apple Stores - do they try to be awful?

I find the Apple stores to be fun. If I happen to be near one, I will even stop in if I am not buying anything. The very few times I have needed help, the problems was solved by a "Genius."
by JMacDonald
Tue Nov 18, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 2885

Re: Cost to furnish a condo

One thing to be careful about is the size of the furniture. The rooms of condos can be much smaller than houses so you need to adjust the size of the furniture. I found out the hard way when my couch did not fit when I moved into my condo. :oops:
by JMacDonald
Mon Nov 17, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Cost to furnish a condo
Replies: 29
Views: 2652

Re: Hoa resurrection

They had a meeting and there was a vote. Unfortunately i was working that day and could not attend. I do not know how many people were at the meeting. We are in WV. Mike This does not sound right. Even if you were unable to attend the meeting, you should have been able to vote on the new board. I w...
by JMacDonald
Sun Nov 16, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 2935

Re: Hoa resurrection

Last year there were some issues that came up with a potential new development that the neighborhood felt would be detrimental to our community, so the association was revived and the development was stopped. Mike When you state that the association was revived, was a new board elected by the homeo...
by JMacDonald
Sun Nov 16, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 2935

Re: "Downgrading" to a Porsche

DJB wrote: After two years, I'm very happy with the car. It made the commute MUCH more comfortable and the car, surprisingly, has had no issues and been very cheap to maintain.

Just keep the car.
by JMacDonald
Sat Nov 15, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: "Downgrading" to a Porsche
Replies: 39
Views: 6100

Re: Consider freezing your credit

I locked my credit when Target and others were getting hacked. I really have no need for credit. Here is how one does it in California: http://oag.ca.gov/idtheft/facts/freeze-your-credit
by JMacDonald
Thu Nov 13, 2014 8:54 am
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 3548

Re: How does AAP get affected by rotating equity into defens

Sector funds, generally, are more risky rather than defensive: http://www.bankrate.com/finance/investing/sector-funds-right-for-you.aspx In fact, due to their propensity for extremes, buy-and-hold investors should steer clear of sector funds altogether, says Christine Benz, director of personal fina...
by JMacDonald
Wed Nov 12, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: How does AAP get affected by rotating equity into defensive
Replies: 3
Views: 354

Re: 1276% toll admin fee from Dollar. 86% of rental cost

Since I haven't driven in Texas, I was not aware of how many toll roads there are in the major cities there. Apparently, this was a hot topic in the last election. Here is an article I found warning Super Bowl fans in 2011 about toll roads: http://www.dallasnews.com/sports/super-bowl/local/20110124-...
by JMacDonald
Mon Nov 10, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7063

Re: Travelling Companions or small groups

For travel in Europe, I recommend Rick Steves: http://www.ricksteves.com
I went to Ireland and Scotland on separate trips using him.
by JMacDonald
Sun Nov 09, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Travelling Companions or small groups
Replies: 32
Views: 2364

Re: 1276% toll admin fee from Dollar. 86% of rental cost

This conversation has been interesting because I usually avoid toll road here in California when I drive. I was surprised to learn that the Golden Gate Bridge is now cashless. Trying to get information on tolls roads here in California, i found this on Trip Advisor: http://www.tripadvisor.com/Travel...
by JMacDonald
Sun Nov 09, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7063

Re: 22, I want to be rich, looking for a high reward fund

I consider investing a way to create wealth over time; however, my get rich quick plan is playing Powerball. So far my investing plan is doing well, but not so my get rich quick plan.
by JMacDonald
Thu Nov 06, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6138

Re: I have seen the enemy and it is me. Reluctance to inves

I am not sure why you need to enter the stock market at this point of your life unless it is to leave an inheritance to your heirs. You have enough money to live on for now. Read the following link for developing an asset allocation on your willingness, ability, and need to take risk: http://www.kev...
by JMacDonald
Wed Nov 05, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have seen the enemy and it is me. Reluctance to invest
Replies: 29
Views: 3372

Re: Is Vanguard a good place to invest?

Tibbits and others ask what my wife suggests instead. Before I showed her that complaintsboard was a scam, she was leaning toward going back to our commissioned based advisor. She couldn’t find anything against her on the web! Gary There is nothing wrong with getting advice from a professional, but...
by JMacDonald
Wed Nov 05, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard a good place to invest?
Replies: 59
Views: 5001

Re: AT&T Mobile Users: Check your plans

The price war continues! For the $40 that I was paying for 2GB of data, I can now get 3GB! I don't think it happens automatically, so I just made the switch online. The website said that it was for a "limited time." I'm not sure why that would be the case, but I'd act quickly. The new dea...
by JMacDonald
Sun Nov 02, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 63
Views: 8538

Re: Best approaches to accumulating in a down market

I do follow my IPS and I do add to my under performers. just curious what others do. but thanks again for adding that bit of wisdom, as sometimes we do forget. Hi, I have the Small Cap Index. I am retired and do not add to my portfolio. If my Small Cap fund is trailing by more than 5% at the end of...
by JMacDonald
Wed Oct 29, 2014 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best approaches to accumulating in a down market
Replies: 23
Views: 1940

Re: Apple Pay, Google Wallet, credit, and us

Great article on how Apple Pay really works: http://www.kirklennon.com/a/applepay.html It goes quite in depth about why existing credit card methods are insecure and how Apple Pay resolves these issues. Thanks, interesting article. I have an iPhone 6, but haven't used Apple Pay yet. I will use it n...
by JMacDonald
Wed Oct 29, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8555

Re: Smartphone questions

Interesting. I don't know a single person who has switched from Android to Iphone, but I know the other way around. My office used to be about 100% Iphone because our IT only supported integrating our email on IPhone. Over the years I have owned flip phones, a Blackberry, an android, an iPhone 5, a...
by JMacDonald
Mon Oct 27, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 106
Views: 8861

Re: Smartphone questions

Interesting. I don't know a single person who has switched from Android to Iphone, but I know the other way around. My office used to be about 100% Iphone because our IT only supported integrating our email on IPhone. Over the years I have owned flip phones, a Blackberry, an android, an iPhone 5, a...
by JMacDonald
Mon Oct 27, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 106
Views: 8861

Re: NJ - Buying house in flood zone (FEMA)?

dratkinson wrote:House buying 101. Do not buy a house in a floodplain, hurricane zone, or west of the Saint Andreas fault.

What about areas that get tornadoes, mudslides, and fires? I have seen plenty of homes destroyed on the news by those events also.
by JMacDonald
Fri Oct 24, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 48
Views: 2734

Re: TSA [is it a hassle to opt out of scanning?]

Totally worth it every time. In what way? What is it worth? TSA Found Over 1,800 Guns in Carry-On Bags in 2013 http://www.voanews.com/content/tsa-found-guns-and-other-weapons-in-carry-on-bags/1837261.html Actually, I think it is worth it even if not one of those persons trying to get their guns on ...
by JMacDonald
Thu Oct 23, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2244

Re: Upgrading from Iphone 4s - 5s or 6?

Apple released the update iOS 8.1 today. Now Apple Pay is officially on. The update doesn't take very long and went smoothly. The Apple Pay is easy to use even for a non-geek as myself. I entered my AmEX card, but my Visa isn't ready for it yet. My guess is that is will be a while before businesses ...
by JMacDonald
Mon Oct 20, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2308

Re: Shoes for Plantar Fasciitis?

I had that problem for months, very painful. For myself, it is not the shoe that made a difference, but the arch support from the insert. As soon I put in an orthoses that helped my arch, the relief was almost immediate. You need aggressive orthoses, not the soft ones you buy in a drug store. REI ha...
by JMacDonald
Mon Oct 20, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2429

Re: Attorney Hourly Rates?

Gee, I would love only $200 an hour. The lawyer I have now charges $375 an hour. I looked around. One guy wanted $10,000 up front.
by JMacDonald
Sat Oct 18, 2014 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 41
Views: 3087

Re: Upgrading from Iphone 4s - 5s or 6?

I had an iPhone 5 and was considering an iPhone 6 Plus, but I ended up getting an iPhone 6. For me the size is perfect. I am very happy with it. As for an android phone, my one experience with one convinced me, I like the iPhone more.
by JMacDonald
Sat Oct 18, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2308

Re: Debit Card was hacked. Should I just use cash from now

I do not use a debit card for anything as the protection is not the same as a credit card. I have had my credit cards used fraudulently in the past and have not been charged for that activity. It is up to the financial company to decide how to handle the debit card fraud. I do keep on to top of my c...
by JMacDonald
Sat Oct 18, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 56
Views: 3901

Re: Be careful if you get this email

Funny, I received that email today. I guess I will miss my day in court.
by JMacDonald
Fri Oct 17, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Be careful if you get this email [scam, infected with virus]
Replies: 12
Views: 1972

Re: Grand Canyon by rail

What are the logistics of getting to the north rim? I've heard some good things about the lodge there and would like to spend some time there. The way to the North Rim of the Grand Canyon is by car. There is no train to the North Rim. It is open only during the summer months as the road is closed i...
by JMacDonald
Thu Oct 16, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon by rail
Replies: 8
Views: 689

Re: First RMD Divisor - 27.4 or 26.5

Here is a link to the Vanguard RMD page: https://personal.vanguard.com/us/insigh ... r-rmd-tool
by JMacDonald
Tue Oct 14, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: First RMD Divisor - 27.4 or 26.5
Replies: 11
Views: 1103

Re: Leaning towards buying a 1-BR condo in Bay Area

Others have given you good suggestions. Here are a few more:

Make sure you read the CC&Rs and rules for the condo.
Ask about any disclosure issues with the unit or the building.
What is the financial situation with the building? By that I mean, how much money is in the reserve fund?
by JMacDonald
Mon Oct 13, 2014 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2116

Re: When people put all their eggs in the wrong basket

metacritic wrote:At some point I'd like to read the early pages of that epic thread to understand what seduced investors to put so much into a single stock.

I see investing as creating wealth over time. Those people who lost big with that stock probably see investing as getting rich quick.
by JMacDonald
Mon Oct 13, 2014 1:04 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28760

Re: Stay with CalSTRS or move to CalPERS?

Here is link that compares the two systems: https://forms.calstrs.com/CalSTRSOnline ... 2ad0cd36fe

Read page 7 to see what your contribution is to each system.
by JMacDonald
Mon Oct 13, 2014 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Stay with CalSTRS or move to CalPERS?
Replies: 7
Views: 1112

Re: Post disappeared before being posted

I lost a post once when I hit the back button too quick after I hit summit. Now I wait until I see that my post had indeed been posted in the conversation.
by JMacDonald
Tue Oct 07, 2014 8:09 pm
 
Forum: Forum Issues and Administration
Topic: Post disappeared before being posted
Replies: 20
Views: 1719

Re: How long before disputing a charge on my Visa?

You should be able to dispute a charge once it is posted to your account. I would call the vender first and see what is happening. If you are not satisfied with the response, then contact your credit card company to challenge the charge. Also note you may have to do this in writing also.
by JMacDonald
Sun Oct 05, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: How long before disputing a charge on my Visa?
Replies: 20
Views: 1741

Re: Logic- knowledge wanted

Maybe buying one of these courses might work for you: http://www.thegreatcourses.com/category/philosophy-intellectual-history.html I haven't watched a course on logic, but I have watched many of the courses in other areas and enjoyed them. One caution: don't pay full price. These courses go on sale ...
by JMacDonald
Sun Oct 05, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Logic- knowledge wanted
Replies: 15
Views: 1330

Re: Bill Gross moving from PIMCO to Janus, Monday

Well, Bill is not moving too far from Pimco:

LA Times: Bill Gross moves into high-rise two blocks from ex-colleagues at Pimco

http://www.latimes.com/business/la-fi-p ... story.html
by JMacDonald
Fri Oct 03, 2014 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10418

Re: Bogleheads.org android / iphone app

I often use my iPad to check this site, and it works fine. I just tested my iPhone 6, not the plus; and it also worked fine. I certainly don't see the need for this app.
by JMacDonald
Fri Oct 03, 2014 8:44 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 16
Views: 1644

Re: R u selling PIMCO bond fund

Apparently, someone is pulling their money out of Pimco: LA Times: $23 billion pulled from Pimco fund Investors pulled a record $23.5 billion from Pacific Investment Management's Total Return Fund in September, the month "bond king" Bill Gross quit, intensifying the outflows that began las...
by JMacDonald
Wed Oct 01, 2014 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: R u selling PIMCO bond fund
Replies: 25
Views: 2840

Re: Bill Gross moving from PIMCO to Janus, Monday

When Peter Lynch left Magellan, I figured that he knew he could not continue making the same returns in the future as he had been doing. It would not surprise me if that the same thing is going on with Bill Gross, get out now and don't be blamed for future losses.
by JMacDonald
Fri Sep 26, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10418

Re: First Time Home Buyer dilemma in SoCal

Here is an article about home prices in California: In Los Angeles and Orange Counties, less than 25 percent of homes for sale are within reach of the region’s middle-class earners, according to an analysis by Trulia, a real estate website. Of 10 markets nationwide that Trulia ranked as least afford...
by JMacDonald
Wed Sep 24, 2014 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 38
Views: 3573

Re: First Time Home Buyer dilemma in SoCal

I live in the LA area. My experience with the real estate market has led me to believe that whatever you buy, you need to be prepared to keep it for ten years. I have watched the value of my condo go up and down sharply two times during the time I have owned it. People who were on the wrong side of ...
by JMacDonald
Mon Sep 22, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 38
Views: 3573

Re: iOS 8 update available today

i finally updated my iPhone 5 and iPad to iOS 8. It went smoothly. Only one magazine app didn't work on my iPad. I deleted it and reinstalled it. Now it works fine. I wonder why others are having such problems.
by JMacDonald
Mon Sep 22, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5965

Re: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)

The AT&T promotion seems to require buying the iPhone 6 at an AT&T store with the iPhone in stock to get the $200. I have tried buying it on line, buying it on line at a store, nothing worked. There isn't an iPhone 6 or plus anywhere where I live at the moment. The promotion will probable en...
by JMacDonald
Mon Sep 22, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)
Replies: 18
Views: 1754

Re: iOS 8 update available today

I think it’s pretty crummy that a phone that was considered Apple's premier phone for most of 2011 (the iPhone 4) is now no longer able to be kept up to date with security fixes. Nice 3 year life span there. For those who don’t know, iOS 8 is not compatible with the 4. What are the "security f...
by JMacDonald
Sun Sep 21, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5965

Re: Macbook Air; how much RAM?

Must we devolve into a PC versus apple debate? This wasn't really meant to be a PC vs Apple debate - I'm mainly commenting about the hardware features and cost. The computer hardware in Macs used to be widely different than PCs, but nowadays, the current Macs are really just PC hardware with an App...
by JMacDonald
Thu Sep 18, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3362

Re: Transferring trad. IRA to Vanguard index funds

But if I wait for the correction that she says analysts expect next year, doesn't that just mean I have less money with which to purchase index funds at that time? Wow, analysts that can predict the future. Your adviser is just trying to keep the money at the credit union. She is not looking out fo...
by JMacDonald
Thu Sep 18, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Transferring trad. IRA to Vanguard index funds
Replies: 7
Views: 486

Re: iOS 8 on iPad 2

Just to give everyone a heads up.. I installed iOS 8 on my iPad 2 and now I get multiple apps crashing. My USA Today app crashes 100% of the time now. I suggest waiting a bit before upgrading. I guess you missed this thread: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=147110&newpos...
by JMacDonald
Wed Sep 17, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 on iPad 2
Replies: 4
Views: 1992

iOS 8 update available today

The iOS 8 update will be available today at 1pm ET. I have decided to wait before I update to see what problems people have with their devices. It seems there are always some issues at the beginning of any new major update no matter what company. Is anyone going to jump in immediately? http://money....
by JMacDonald
Wed Sep 17, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5965
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