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by JMacDonald
Tue May 12, 2015 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get condo earthquake insurance (California)?
Replies: 15
Views: 431

Re: Should I get condo earthquake insurance (California)?

Get a copy of the HOA earthquake insurance and go to your agent, and find out what coverage you have now, and will have if you buy or do not buy earthquake insurance. One concern you should have is Loss Assessment. See if you can afford to cover Loss Assessment without buying earthquake insurance.
by JMacDonald
Tue May 12, 2015 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get condo earthquake insurance (California)?
Replies: 15
Views: 431

Re: Should I get condo earthquake insurance (California)?

I have earthquake insurance for my condo. Can you afford to take the lost if your condo is unlivable if destroyed by an earthquake? I would agree that $900 a year is a lot, but earthquakes are a real possibility in California.
by JMacDonald
Sun May 10, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Driving to Alaska
Replies: 7
Views: 681

Re: Driving to Alaska

I drove to Alaska and back some years ago. I used cash as I found that worked best for me. Here is a book that I would recommend you have for your trip: http://www.milepost.com Also you don't need to drive both ways. You can take the Alaska Marine Highway one way: http://en.wikipedia.org/wiki/Alaska...
by JMacDonald
Sat May 09, 2015 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to start investing in a 4 fund portfolio
Replies: 7
Views: 942

Re: Best way to start investing in a 4 fund portfolio

That portfolio is the Vanguard LifeStrategy Growth Fund (VASGX): https://personal.vanguard.com/us/funds/ ... IntExt=INT
Just go ahead and purchase it.
by JMacDonald
Sat May 09, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: Lightweight camping gear
Replies: 41
Views: 2677

Re: Lightweight camping gear

Here is information from REI about Ultralight Backpacking Basics: http://www.rei.com/learn/expert-advice/ ... cking.html
by JMacDonald
Fri May 08, 2015 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: New Math for Retirees and the 4% Withdrawal Rule
Replies: 89
Views: 9751

New Math for Retirees and the 4% Withdrawal Rule

NY Times article: http://www.nytimes.com/2015/05/09/your-money/some-new-math-for-the-4-percent-retirement-rule.html?hp&action=click&pgtype=Homepage&module=second-column-region&region=top-news&WT.nav=top-news&_r=0 “Because interest rates are so low now, while stock markets are...
by JMacDonald
Mon May 04, 2015 10:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Claims Title of World’s Largest Bond Fund
Replies: 20
Views: 2329

Re: Vanguard Claims Title of World’s Largest Bond Fund

Here is an article about this in the LA Times: http://www.latimes.com/business/la-fi-p ... story.html
Pimco's flagship fund loses status as world's largest bond fund
by JMacDonald
Wed Apr 29, 2015 10:54 am
Forum: Personal Finance (Not Investing)
Topic: LifeLock vs Freezing Credit Reports
Replies: 19
Views: 1357

Re: LifeLock vs Freezing Credit Reports

greetje wrote:How do you go about a credit freeze?

Here is some information for that question: http://oag.ca.gov/idtheft/facts/freeze-your-credit
by JMacDonald
Fri Apr 24, 2015 10:38 am
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 2433

Re: Car Dealership Credit Report

Just purchased a used truck with cash got the same line about needing to fill out a credit application so they could who I was. I filled out as much as what is shown on my drivers license ie left off SSN. My credit reports are frozen so I wasn't worried about them pulling a report. Edmunds has an a...
by JMacDonald
Sun Apr 12, 2015 11:31 am
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5661

Re: How does this site make money?

BTW, the amazon referrals add around $7.5k per year. I'm surprised (in a good way) that an Amazon referral site can generate that much $? I just checked and it's more like $12,000 a year now :D The referral fees vary by type of product, but it averages out to nearly 7%! Earnings Report Totals - Jan...
by JMacDonald
Wed Apr 08, 2015 6:46 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27645

Re: Will you buy an Apple Watch?

Here is an article of reviews about the Apple Watch: http://www.huffingtonpost.com/2015/04/0 ... 24340.html
The Apple Watch Reviews Are In, And They Are Mixed
by JMacDonald
Thu Apr 02, 2015 7:19 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27645

Re: Will you buy an Apple Watch?

I read an absolutely fascinating article in Wired today about the history of the Apple Watch: http://www.wired.com/2015/04/the-apple-watch/ Even if you don't believe the Apple Watch will be a hit, I highly recommend reading this piece. I like Apple products. I have an iMac, MacBook Air, and an iPho...
by JMacDonald
Mon Mar 23, 2015 10:22 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 13643

Re: Restaurant tipping

Here is an article in today's LA Times about tipping: http://www.latimes.com/business/hiltzik/la-fi-mh-are-we-reaching-the-tipping-point-on-restaurant-tips-20150323-column.html#page=1 "Are we reaching the tipping point on restaurant tipping?" I haven't read the whole conversation so I hope...
by JMacDonald
Sun Mar 22, 2015 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Free Book! Fixing 403(b) Plans
Replies: 10
Views: 686

Re: Free Book! Fixing 403(b) Plans

Steve has done more than anyone I know to help teachers get a better deal with the 403(b) plans.
He has done an amazing job.
by JMacDonald
Sun Mar 08, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 31
Views: 2523

Re: Best Classical Music Box Sets?

Here is a website that I use and buy from occasionally: http://www.arkivmusic.com/classical/main.jsp
I find it useful when I want to see what is available either for a composer or a performer.
by JMacDonald
Tue Mar 03, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4937

Re: Tourists in Manhattan

When I have visited NYC for a week, I got a subway pass for the week. You can take the subway from JFK into Manhattan: http://web.mta.info/nyct/fare/FaresatAGlance.htm A good way to see the Statue of Liberty is from the Staten Island Ferry. It is free. :happy http://siferry.com/faqtips.html The Met ...
by JMacDonald
Fri Feb 27, 2015 10:13 pm
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1244

Re: Cross Country Ski Gear Tips/Destinations

... I would also like to try backcountry skis for uncharted powder..... If you are interested in uncharted powder then its also a good time for an avalanche course as well as the approrriate equipment and probably a friend with equal or less risk tolerance than you Historically, a good way to combi...
by JMacDonald
Thu Feb 26, 2015 6:21 am
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 9956

Re: Subaru and Consumer Reports ratings

We bought a 2013 outback new almost 2 years ago. It is good in the snow but we (and many other people if you google it will see) have had problems with oil consumption. We did not know when bought it that subaru had changed to synthetic oil, which is expensive. We were supposed to be able to go 750...
by JMacDonald
Wed Feb 25, 2015 10:50 am
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 3411

Re: Is it actually impossible to time market crashes?

I remember hearing a few financial people I knew talking about a crash, but I was clueless. I bet one could find some financial people taking about a crash coming now. Are you going to believe them? What are you going to do if you believe them? Sell and go to cash? We have had a number of people co...
by JMacDonald
Tue Feb 24, 2015 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Taking RMD this year
Replies: 13
Views: 1024

Re: Taking RMD this year

Your beneficiary will be required to take an RMD. So just stick to your plan.
If you inherit an IRA, whether it's a traditional or Roth, the IRS requires you to take at least some of the account balance out each year.

https://personal.vanguard.com/us/insigh ... ira-072014
by JMacDonald
Mon Feb 23, 2015 2:47 pm
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1244

Re: Cross Country Ski Gear Tips/Destinations

adamthesmythe wrote:There was a really nice cross-country area near Truckee CA but I forget the name.

That would be Royal Gorge: http://www.royalgorge.com/home
However, this year has been terrible because of very little snow. :(
by JMacDonald
Fri Feb 20, 2015 4:12 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 2619

Re: Grand Canyon

JRix wrote: To make matters worse, since I froze on top I figured, "Hey, hot air rises, so the bottom must be even colder!" Apparently that is not how the GC and/or Arizona works.

Hiking from the Rim to the River is a lost of about a mile. It is winter at the Rim and Fall at the River.
by JMacDonald
Fri Feb 20, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 2619

Re: Grand Canyon

I have been to the South Rim and North Rim many times. I have also rafted the canyon on a 14 day trip, and hike to Phantom Ranch several times. Both sides of the canyon are worth seeing. My suggestion would be to visit the North Rim. From the North Rim, you can also visit Zion NP and Bryce NP. These...
by JMacDonald
Thu Feb 19, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Can I have DISH TV and Verizon FIOS internet?
Replies: 13
Views: 675

Re: Can I have DISH TV and Verizon FIOS internet?

janiebegood wrote:
JMacDonald wrote:I can't speak to the cost of FIOS to other services, but the quality of FIOS for me has been excellent. I have had FIOS for two years now.


Good to know, JMacDonald! Thanks!

I hope that is true for the area you live in. I live in the Los Angeles area.
by JMacDonald
Thu Feb 19, 2015 10:58 am
Forum: Personal Consumer Issues
Topic: Can I have DISH TV and Verizon FIOS internet?
Replies: 13
Views: 675

Re: Can I have DISH TV and Verizon FIOS internet?

I can't speak to the cost of FIOS to other services, but the quality of FIOS for me has been excellent. I have had FIOS for two years now.
by JMacDonald
Sun Feb 15, 2015 11:25 am
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 61
Views: 4337

Re: Does anyone like the new Toyota/Lexus grilles?

Last night I saw a Lexus NX 200t for the first time parked in the building where I live. I will have to say it got my attention. However, I found the look of the car to be too bold for my taste. I wouldn't buy one.
by JMacDonald
Fri Feb 13, 2015 10:29 pm
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2322

Re: Pick Out My New TV For Me

It is really amazing to watch a big flat screen TV. I went from a 24" CRT to a 50" Plasma Panasonic about two years ago. I have already decided that when this TV dies that my next one will be at least 70". And my TV is in small room. I can't tell you what to get, but go as big as poss...
by JMacDonald
Fri Feb 13, 2015 3:01 pm
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 4542

Re: [Is it worth getting an] AARP [membership]?

I use AARP for discounts at certain hotel or motels. While for many places there is no difference between AAA/Senior/AARP, this hotel chain offers an additional discount, depending on the place it can be quite a bit: http://www.wyndham.com I have also used AARP for Motel 6. The membership has paid f...
by JMacDonald
Thu Feb 12, 2015 2:45 am
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 13224

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Toup wrote:Long time lurker just signed petition. Glad to finally give back

Regards,
Toup :beer

Welcome!

I'm sure you will have more to contribute in the future, now that you have sign on.
by JMacDonald
Tue Feb 10, 2015 11:28 pm
Forum: Investing - Theory, News & General
Topic: How do slice and dicers rebalance?
Replies: 14
Views: 742

Re: How do slice and dicers rebalance?

Before I retired, I rebalanced my slice n dice portfolio when I added new money. Now I have the Vanguard LifeStrategy Moderate Growth Fund so Vanguard rebalances for me.
by JMacDonald
Sun Feb 08, 2015 2:08 am
Forum: Personal Finance (Not Investing)
Topic: convert time magazine subscription to digital ?
Replies: 2
Views: 338

Re: convert time magazine subscription to digital ?

I get the New Yorker both as print and on my iPad. It works well on my iPad. If the magazines your wife subscribes to offers a digital version, then it should not be a problem to get it on whatever device you have.
by JMacDonald
Tue Feb 03, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: Best Way to Buy Broadway Tickets?
Replies: 5
Views: 728

Re: Best Way to Buy Broadway Tickets?

It depends. When I have gone to NYC for the performing arts, I would buy my ticket in advance to get the best seats for show I absolutely had to see. Here is the website I used to get those tickets: http://www.nytimes.com/theater/show/buy-ticket.html When I wanted to save some money on a show I boug...
by JMacDonald
Sun Feb 01, 2015 6:02 pm
Forum: Personal Consumer Issues
Topic: Telescopes?
Replies: 21
Views: 1436

Re: Telescopes?

I would start learning about the night sky with binoculars: http://www.skyandtelescope.com/astronom ... telescope/
by JMacDonald
Sun Feb 01, 2015 5:52 pm
Forum: Personal Consumer Issues
Topic: Need a new vacuum
Replies: 22
Views: 1559

Re: Need a new vacuum

I have a Dyson that I bought a few years ago. My other vacuum was not doing the job getting the fur from my cats. The Dyson is great. I don't vacuum as often or as much as you do, but so far I have had no problems with it.
by JMacDonald
Thu Jan 29, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 3498

Re: Scottsdale, AZ - what to do?

Native American Culture: Heard Museum http://heard.org
by JMacDonald
Tue Jan 27, 2015 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Some RMD Questions
Replies: 28
Views: 1587

Re: Some RMD Questions

I will be taking my RMD for the first time this year. i don't think it is a big deal to have the funds sent to my Credit Union. i will just send it back to my taxable account with Vanguard.
by JMacDonald
Tue Jan 27, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 4041

Re: New car safety features

I'm a big fan of technological improvements in safety, but I was reminded today of one easy and inexpensive safety feature that is missing or unused: having lights on (either daytime running lights or headlights). We are in the early stages of a blizzard in the NE, and I am once again disappointed ...
by JMacDonald
Mon Jan 26, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 46
Views: 3567

Re: Drinking water

I use an Everpure water filter: http://residential.everpure.com/en-US/p ... ev9270-76/
It works well.
by JMacDonald
Sat Jan 24, 2015 2:21 pm
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 2682

Re: anyone here been to the Super Bowl?

Regardless, if your team wins or loses, tell us about your experience at the Super Bowl. :beer
by JMacDonald
Mon Jan 19, 2015 5:29 pm
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 2114

Re: 7 nights- Scotland or Ireland?

I toured both Ireland and Scotland separately on Rick Steves' tours. I would have to say that both countries are worth visiting. I would rate Dublin as being more fun than Edinburgh. But both of the cities are interesting. Flip a coin.
by JMacDonald
Fri Jan 16, 2015 6:57 pm
Forum: Forum Issues and Administration
Topic: Eliminating the "Face Palm" Icon
Replies: 33
Views: 2690

Re: Eliminating the "Face Palm" Icon

Dutch wrote:Lets replace it with this one

Image

Love it!

It must a slow financial day here on Bogleheads.
by JMacDonald
Fri Jan 16, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4712

Re: Getting deposed -- do I need to hire my own lawyer?

McCharley wrote:. And besides, they laid me off. :annoyed

While it is fun to want to get back at a former employer, it is probably better to take the high road on this issue. You never know that is the future how being spiteful will come back to bite you.
by JMacDonald
Thu Jan 15, 2015 6:58 am
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 2621

Re: Options for moving our pets across country

FYI: Motel 6 is pet friendly at no extra cost. Also with an AARP card there is an additional discount. All of the Motel 6s that I have stayed at do the job for a night's stay.
by JMacDonald
Wed Jan 14, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 2621

Re: Options for moving our pets across country

You know your animals, and they know you. It will be an issue no matter what you do, but your cat will do better with you than any other way. I have cats. I would use a cat carrier in the car, and use a harness and lease when taking him out of the carrier. I would be concerned that the cat would be ...
by JMacDonald
Wed Jan 14, 2015 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Been out of market for 5 years, when get back in?
Replies: 25
Views: 3116

Re: Been out of market for 5 years, when get back in?

Before you jump into the market, do you have an emergency fund, and are you carrying any debt? That 60k is not that much money if you lost your job or had an unexpected expense. You might want to read one of the recommended books here: https://www.bogleheads.org/wiki/Books:_recommendations_and_revie...

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