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Re: Driving Trip Planning

I take long road trips. If I am going to be driving on major highways, I figure that I can travel about 60 miles in an hour including short breaks to get gas, coffee, food, and restrooms. That would mean I would travel about 500 miles in an eight hours drive. Now If I am on secondary roads, I figure...
by JMacDonald
Wed Aug 20, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 41
Views: 1083

Re: Kaiser vs Blue Shield

I worked for nearly 30 years in the acute healthcare field, first as a nurse and later in the quality assurance, utilization review, and medical staff services departments. I worked in small and large community and private hospitals and saw the good, bad, and ugly in healthcare. In fact, part of my...
by JMacDonald
Wed Aug 20, 2014 2:21 am
 
Forum: Personal Consumer Issues
Topic: Kaiser vs Blue Shield
Replies: 44
Views: 2079

Re: Kaiser vs Blue Shield

I moved from Blue Shield to Kaiser in SoCal about 9 years ago. It was a good move. Kaiser is big on preventative medicine. That makes sense for both the patient and the bottom line for Kaiser. I am very happy with Kaiser and would be reluctant to move to an area without Kaiser
by JMacDonald
Tue Aug 19, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Kaiser vs Blue Shield
Replies: 44
Views: 2079

Re: Moving after retirement.

When you retire, just become a snow bird for the worst part of winter.
You may find somewhere else to live that is less expensive, but you will have to give up a lot to live in one of those areas.
by JMacDonald
Sun Aug 17, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 3558

Re: Teaching teen to drive

I checked to see what the Auto Club in my area offers, and it much more time than 6 hours: http://www.calif.aaa.com/home/automotive/driver-education/teen-programs/auto-club-driving-school.html Given that car crashes are the leading cause of deaths for teens, I would go with a program that stresses s...
by JMacDonald
Fri Aug 15, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Teaching teen to drive
Replies: 31
Views: 1320

Re: Weekend in Tucson - Kids' Birthday

I visited Tucson last year and really enjoyed Kartchner Caverns State Park. I don't know what 12 years olds would think of the caverns, but I was impressed.
The caverns are outside of Tucson. So it is a bit of a drive to get to it.

http://azstateparks.com/parks/kaca/
by JMacDonald
Thu Aug 14, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Weekend in Tucson - Kids' Birthday
Replies: 19
Views: 838

Re: Kids getting older, thoughts on the future

Granted we still have a few years until an empty nest, I assume they will move out at some point anyway :wink: So it will be a few year transition to an empty nest! Have you heard about 'The Boomerang Kids?": http://www.nytimes.com/2014/06/22/magazine/its-official-the-boomerang-kids-wont-leave...
by JMacDonald
Thu Aug 14, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Kids getting older, thoughts on the future
Replies: 10
Views: 1908

Re: Mac Airbook

I am typing this on a 13 inch MacBook Air. I think this laptop is great. It is OS X Mavericks now, not Lion. A new OS is coming: http://www.apple.com/osx/preview/ I can't answer your technical questions as I don't do anything fancy on my MacBook Air. You should be able to get your questions answered...
by JMacDonald
Wed Aug 13, 2014 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3118

Re: Where do you buy clothes?

Kohl's: only when I receive a 30% discount coupon from Kohl's. You receive those coupons when you have a Kohl's credit card. Recently I bought some men's hiking shorts that came out less than $10 a pair after discounts, a good price for those shorts.
by JMacDonald
Mon Aug 11, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8753

Re: California Redwoods in December - VW Vanagon

I am not exactly sure where you plan to go, but here is a website that gives the average temperature for different cities in the US. Here is Eureka which is close to Redwood National Park: http://www.usclimatedata.com/climate/eureka/california/united-states/usca0360 Don't miss the Avenue of the Gian...
by JMacDonald
Fri Aug 08, 2014 11:58 pm
 
Forum: Personal Consumer Issues
Topic: California Redwoods in December - VW Vanagon
Replies: 13
Views: 1155

Re: A few days in San Francisco - what to do?

Attend an opera at War Memorial Opera House: http://sfopera.com/calendar/default.aspx?dt=20140901&type=0 Go to the Farmer's Market on Saturday at the Ferry Building: http://ferrybuildingmarketplace.com/farmers_market.php Walk across the Golden Gate Bridge: http://goldengatebridge.org/bikesbridge...
by JMacDonald
Wed Aug 06, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: A few days in San Francisco - what to do?
Replies: 9
Views: 663

Re: Should i Buy a new car

OK, the last two car I bought I paid cash. However, I did finance my cars before that. If you can afford to make payments and not hurt your financial goals, buy the car you can afford and want. You certainly have the income to do it.
by JMacDonald
Mon Aug 04, 2014 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 3933

Re: Should i Buy a new car

rsbv wrote:I was looking at BMW 5 or 6 series used, about yr or 2 old less than 20K mileage around 50-60K.

That 50-60K will look a lot better in your retirement account than in you driveway.
by JMacDonald
Mon Aug 04, 2014 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 3933

Re: High School Reunions--Have you attended?

Paying $200+ per ticket for 3 hours of booze and hot buffet and driving in rush hour traffic on a Friday evening is not very Boglehead like. Hmmm... Our reunion tickets were less than $90 each, included an excellent buffet and open bar (I don't drink alcohol, btw), and a DJ. The reunion was on Satu...
by JMacDonald
Mon Aug 04, 2014 7:59 am
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5054

Re: High School Reunions--Have you attended?

My 50th high school reunion is this coming Saturday. It should be an interesting evening.
by JMacDonald
Sun Aug 03, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5054

Re: Buying property - frank responses requested

I have some friends that own a townhouse in San Diego that sell for less than $600k: http://www.zillow.com/b/12081-World-Tra ... 074275_ll/
This is a nice area. I don't know what your needs are, but I would have no problem living in this part of San Diego.
by JMacDonald
Sun Jul 27, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying property - frank responses requested
Replies: 30
Views: 3498

Re: Advice wanted on first computer purchase since 1982!

I have a MacBook Air. It is an awesome computer IMHO. I would recommended it.
by JMacDonald
Thu Jul 24, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Advice wanted on first computer purchase since 1982!
Replies: 105
Views: 6630

Re: Help me choose a new tv

I bought a 50 inch Panasonic Plasma TV a little over a year ago so I was surprised to read in this conversation that they are being discontinued. I really like my TV. Here is an article i found about Plasma TVs: http://time.com/money/3002159/plasma-tv ... -bargains/
by JMacDonald
Wed Jul 23, 2014 8:50 am
 
Forum: Personal Consumer Issues
Topic: Help me choose a new tv
Replies: 31
Views: 1802

Re: AAA worth it? I have Allstate

I wonder what you would find if you do a side by side comparison of the two plans: questions like: do you have to pay up front for an emergency, how far will the plan tow you without cost, do you get to choose which repair shop you are towed to, will the plan change your flat tire, will the plan unl...
by JMacDonald
Tue Jul 22, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 53
Views: 3166

Re: Options/guidance for a lazy person to be fit

This is a good website for heath in general: http://www.berkeleywellness.com/fitness
I subscribe to their newsletter. There is a lot of good information for you to improve your health.
by JMacDonald
Fri Jul 18, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5855

Re: Teacher Considering Career Change

I retired after 30 years of teaching. At the beginning of my first year, I had to do substitute teaching as I didn't have a contract at first. It actually was a good experience. I got to see many different schools in a short amount of time. If I liked the school, I left my card with the head clerk i...
by JMacDonald
Wed Jul 16, 2014 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teacher Considering Career Change
Replies: 49
Views: 3937

Re: Buying a camper

One these might work for you: http://casitatraveltrailers.com/index.html
by JMacDonald
Mon Jul 14, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2651

Re: New to Forum- please provide opinions on existing AA

Questions 2. At what level of assets and/or income should trusts, or other vehicles begin to be discussed? Stuff happens. You should have a will or trust so you decide where your assets go instead of a court deciding. Recently, a whole family I know were killed in an auto accident. No will, it was ...
by JMacDonald
Fri Jul 11, 2014 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Forum- please provide opinions on existing AA
Replies: 34
Views: 2735

Re: Toys for a Lazy Cat

She used to weigh 18lbs. She didn't move about much and cried when the younger one wanted to play with her. Her lack of energy was a long slow decline so I thought it was age related. Took her to the vet and had a full panel blood workup done and it turned out she has hyperthryoidism. Her joints we...
by JMacDonald
Fri Jul 11, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 2972

Re: Toys for a Lazy Cat

I second the recommendation to switch to wet cat food - fewer calories. I am surprised your vet hasn't suggest it (mine did for my chunky cat). I wonder if this varies by vet; mine said that wet food is worse, and has higher calories and is bad for the teeth. He asked that we go on a full dry food ...
by JMacDonald
Tue Jul 08, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 2972

Re: Needs a friend

davebarnes wrote:Get a kitten.
Problem solved.

I think a companion for your cat would be good thing even if it doesn't make him more active. I found that to be true with my cats. They keep each other company when I am not around. A kitten would work best as cats sometimes are not accepting of other adult cats.
by JMacDonald
Tue Jul 08, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 2972

Re: What to do with old Macbook Pro?

Apple has a program that will give you a gift card for your computer if you don't want to try to sell it: http://www.apple.com/recycling/gift-card/

I have a MacBook Air which I really like. It is light and very fast with the flash storage: http://www.apple.com/macbook-air/features.html#storage
by JMacDonald
Sat Jul 05, 2014 8:45 am
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1862

Re: Best Road Trip Vehicle

"It would be really nice to have the ability to boondock overnight here or there." For 20 years we had a Dodge Caravan (actually the panel van version) fixed up as a camper. It was awesome; being able to climb in back and sleep at rest stops, campgrounds, or random wide spots on Forest Se...
by JMacDonald
Fri Jun 27, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Best Road Trip Vehicle
Replies: 35
Views: 2784

Re: Santa Fe Recommendations?

I go to Santa Fe every summer. Here is the reason: http://www.santafeopera.org/calendar/in ... =on&mode=1
It is worth a try even if you have never gone to an opera before.
by JMacDonald
Thu Jun 26, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Santa Fe Recommendations?
Replies: 5
Views: 699

Re: Best Road Trip Vehicle

If you are not planning to camp, then you only need a vehicle that will be big enough to carry yourself and your clothes. Also a vehicle that you will be comfortable driving on two lane mountain roads. A van seems to me to be too big for your needs. A compact SUV would be a better choice: http://usn...
by JMacDonald
Thu Jun 26, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: Best Road Trip Vehicle
Replies: 35
Views: 2784

Re: Keeping mold out of bath/shower

I have had the same problem. I used a spray bottle and used chlorine: http://www.homedepot.com/p/Kem-Tek-1-Ga ... /100206125
by JMacDonald
Wed Jun 25, 2014 8:04 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 27
Views: 2291

Re: Value of VIN Etch Coding for New Car

Here is what I use to prevent thief: http://simjack.com:8185/Secure%20Steeri ... 20Lock.htm
It would be extremely difficult for a crook to get both the steering wheel and brake lock off.
by JMacDonald
Wed Jun 25, 2014 12:32 am
 
Forum: Personal Consumer Issues
Topic: Value of VIN Etch Coding for New Car
Replies: 8
Views: 750

Re: Retired Bogleheads want to relocate to California

I don't think that you did much of a search. i just check a real estate website and found some places for less than a million in Huntington Beach: http://www.trulia.com/for_sale/Huntington_Beach,CA/price;a_sort/1p_beds/1p_baths/100000-400000_price You won't be able to get what you have in the mid-we...
by JMacDonald
Sun Jun 22, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6962

Re: Teaching Personal Finance next year... what to include?

As a resource, direct them to Boglehead.org.
by JMacDonald
Tue Jun 03, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Teaching Personal Finance next year... what to include?
Replies: 51
Views: 2506

Re: KOA campgrounds experience

I do a lot of camping. I would not call staying at a KOA exactly camping, but I have stayed at a KOA on occasion when I needed somewhere to stay on my trips. All of the KOAs that I have seen are different so it is difficult to say what to expect at the one you are planning on staying at. However, it...
by JMacDonald
Mon May 26, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: KOA campgrounds experience
Replies: 14
Views: 1146

Re: Grand Canyon

I'm leaving for the Canyon tomorrow. I'm spending the next three weeks rowing an 18-foot raft down the river. I can see the Desert View Watchtower from the river. Get out your binoculars and you might see me. Have a great time. I only had two weeks on my trip. I let the guide do the rowing. Let us ...
by JMacDonald
Fri May 23, 2014 1:01 am
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 4327

Re: Grand Canyon

Glad to find this topic. I was thinking about going to the Grand Canyon the week of Thanksgiving. My concern is the weather and getting there from a conference in San Diego. From what one poster said, November may be a problem. I wonder if anyone can shed more light on this? Maybe it is just hit or...
by JMacDonald
Wed May 21, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 4327

Re: Restaurants in New York City?

Trip Advisor is also useful: http://www.tripadvisor.com/Restaurants- ... _York.html
You can set it for price and location in NYC.
by JMacDonald
Mon May 19, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Restaurants in New York City?
Replies: 42
Views: 2760

Social Security at 62? Let’s Run the Numbers

NY Times article about when to take Social Security: http://www.nytimes.com/2014/05/15/business/retirementspecial/social-security-at-62-lets-run-the-numbers.html?action=click&module=Search&region=searchResults&mabReward=relbias%3Ar%2C%5B%22RI%3A10%22%2C%22RI%3A15%22%5D&url=http%3A%2F...
by JMacDonald
Sat May 17, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 7522

Re: Grand Canyon

I'll bet that excursion compares favorably to the time I drove my pontoon-equipped pickup the entire length of the Grand Canyon via the Colorado River... I'm sorry I wasn't there at the time to wave to you as you motored by! http://www.virtualjeepclub.com/Showthread.php?49332-Grand-Canyon-Diamond-C...
by JMacDonald
Wed May 14, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 4327

Re: Grand Canyon

I have been to the Grand Canyon many times both the North and South Rim, the Phantom Ranch, and even river rafted the 225 miles of the Canyon. I am going again this January. So some of the comments have reminded me of this movie: http://www.youtube.com/watch?v=gf6R1WFfdpo
by JMacDonald
Wed May 14, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 4327

Re: Grand Canyon

Let's start with this link: http://www.nps.gov/grca/index.htm This is a good place to get information. There are two sides to the Grand Canyon that you can visit: the South Rim and the North Rim. You can visit the South Rim year round, but you can only visit the North Rim in the Summer. Both sides o...
by JMacDonald
Tue May 13, 2014 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 59
Views: 4327

Re: New Identity Theft Scam

I have received a couple of these lately. My email involved the UN and Canada. I was promised 950,000 euros. I was surprised to fund out that Canada had changed its dollar to the euro. I am waiting for my check to arrive. :moneybag
by JMacDonald
Tue May 06, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: New Identity Theft Scam
Replies: 20
Views: 2612

Re: Help Requested!

If you are not familiar with Morningstar's Instant X-Ray, it should help you in evaluating your portfolio: http://portfolio.morningstar.com/RtPort/Free/InstantXRayDEntry.aspx?dt=0.7055475 With as many funds as you have, it is possible you are overweighted in certain areas of the market. I have found...
by JMacDonald
Mon May 05, 2014 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account - Total Bond Fund replacement Suggestion?
Replies: 12
Views: 1479

Re: Am I heading in the right direction?

Here is a free pamphlet available for the today and tomorrow: http://www.amazon.com/If-You-Can-Millennials-Slowly-ebook/dp/B00JCC5JKI/ref=sr_1_1?ie=UTF8&qid=1397580064&sr=8-1&keywords=if+you+can+bernstein This is worth getting. See this article in the NY Times: http://www.nytimes.com/201...
by JMacDonald
Sun May 04, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio questions
Replies: 12
Views: 1286

Re: If You Can--free for 2 days

There is an article about Bill's pamphlet in the NY Times: http://www.nytimes.com/2014/05/04/your-money/a-path-to-retirement-for-those-far-from-it.html?ref=business ...“If You Can,” a concise, no-nonsense instruction manual on saving and investing for retirement, is so welcome. It’s by William J. Be...
by JMacDonald
Sun May 04, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: If You Can [free Bill Bernstein booklet for millennials]
Replies: 28
Views: 5065

Re: Am I heading in the right direction?

Getting your asset allocation right in the beginning and being able to stick with it is an important part of investing. Here is a link to a summary of how Larry Swedroe suggests what one should consider when choosing an asset allocation: http://canadiancouchpotato.com/2010/11/10/ready-willing-and-ab...
by JMacDonald
Sat May 03, 2014 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio questions
Replies: 12
Views: 1286

Re: Am I heading in the right direction?

One thing to consider in your placement of funds in either your Roth or 403b is that the money in your Roth will not be taxed when you withdraw it in retirement. Place funds in your Roth that have the highest expected returns. I would not use the Roth for bond funds. They would go in your 403b. Also...
by JMacDonald
Sat May 03, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio questions
Replies: 12
Views: 1286

Re: Am I heading in the right direction?

About 4% of my income goes into CalSTRS (teacher's pension system) with a matching 4% coming from my employer. There is currently about $7.6k in that pension account. Welcome to the forum. I would like to correct one thing about your contribution and your school district to CalSTRS: You contribute ...
by JMacDonald
Sat May 03, 2014 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio questions
Replies: 12
Views: 1286
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