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Re: Avoiding lifestyle creep

Paying down your mortgage is risk free. I like using most of the money for that and the rest to use for enjoyment with your family.
by JMacDonald
Tue Nov 25, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 21
Views: 2769

Re: Bogleheads, anyone doing "Black Friday"

No, I already have way too much stuff. I really need to start getting rid of some of it.
by JMacDonald
Mon Nov 24, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 58
Views: 4301

Re: 23 year old... Can I afford a Rolex?

It is true a Rolex can cost $10k more or less new. But consider that it cheap compared to this watch: http://www.chrono24.com/en/greubelforsey/quadruple-tourbillion-rg--black--leather--id2827129.htm?urlSubpath=/greubelforsey/prices-for-watches--new.htm&manufacturerIds=537&usedOrNew=new So gi...
by JMacDonald
Mon Nov 24, 2014 7:16 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 162
Views: 10444

Re: Bumped out of first class at boarding - compensation?

If you end up going to small claims court, prepare your case. Here is a link for California's small claims court: http://www.courts.ca.gov/selfhelp-smallclaims.htm Write a letter making your case to customer service. If you are not satisfied with customer service, then write a letter to the CEO of t...
by JMacDonald
Sun Nov 23, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 41
Views: 4112

Re: 23 year old... Can I afford a Rolex?

the watch era is over - people use their smartphones. If this is true, why do I often get asked the time? I wear a watch. Really? I can't think of any time or place in today's life where one can be out of line-of-sight of something displaying the time of day. What you say is true, but I have been a...
by JMacDonald
Sun Nov 23, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 162
Views: 10444

Re: 23 year old... Can I afford a Rolex?

sambb wrote:the watch era is over - people use their smartphones.

If this is true, why do I often get asked the time? I wear a watch.
by JMacDonald
Sun Nov 23, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 162
Views: 10444

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: 14
Views: 1455

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: 1993

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: 1993

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: 2912

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: 2668

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: 2986

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: 2986

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: 6256

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: 3680

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: 363

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: 7573

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: 2557

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: 7573

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: 6186

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: 3379

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: 5029

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: 8557

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: 1950

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: 8692

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: 8965

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: 8965

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: 2758

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: 2256

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: 2320

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: 2434

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: 3107

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: 2320

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: 3924

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: 1978

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: 691

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: 1104

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: 2121

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: 28919

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: 1116

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: 1815

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: 1765

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: 1347

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: 10460

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: 1671

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: 2855

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: 10460

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: 3592
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