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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 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 106
Views: 8075

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 11:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 38
Views: 3284

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 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 38
Views: 3284

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 5:15 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5530

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 10:17 am
 
Forum: Personal Consumer Issues
Topic: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)
Replies: 18
Views: 1657

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 10:00 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5530

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 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3083

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 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Transferring trad. IRA to Vanguard index funds
Replies: 7
Views: 470

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 4:37 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 on iPad 2
Replies: 4
Views: 1811

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 10:23 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5530

Re: Macbook Air; how much RAM?

I also recommend going with the higher RAM model. I have seen these MB Air's really struggle with the 4GB and the fan goes crazy when using YouTube. If she gets the higher memory model, it will last longer. Being a student means having to use the computer often, if it's slow, it will be frustrating...
by JMacDonald
Tue Sep 16, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3083

Re: How much to self insure LTC and longevity? hypothetical

For myself, I took a look at this website to how much it would cost in a year where I Iive: http://www.completelongtermcare.com/States/
So I am hoping to have enough if it happens I end up in a nursing home.
by JMacDonald
Tue Sep 16, 2014 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to self insure LTC and longevity? hypothetical
Replies: 13
Views: 707

Re: Macbook Air; how much RAM?

I have a 13' MacBook Air with only 4 RAM. It works fine for me; but I am a light user of a computer, just basic stuff. It only cost $100 more for the extra Ram. If that cost is not a problem, go for it.
by JMacDonald
Tue Sep 16, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3083

Re: FIOS

I've had FIOS in three locations (MA and VA) over the past six years, and love it. I'm about to move to California to a place where it's not (yet) available, so I'm going with cable--but month-to-month so that I can switch back as soon as possible. The service has been very reliable. Internet throu...
by JMacDonald
Sun Sep 14, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 28
Views: 2139

Re: How to get a child a different teacher after a bad start

Are you absolutely certain the problem is with the teacher? Could it be the child is being bullied by other pupils? This happens very frequently, even at the elementary school level. How does the child get to school? Does he ride a bus? It is awfully early in the school year to be asking for a chil...
by JMacDonald
Sat Sep 13, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: How to get a child a different teacher after a bad start?
Replies: 30
Views: 2592

Re: Recommended World War I book

"To End All Wars" is a good book. Here is a review; http://www.nytimes.com/2011/05/15/books ... d=all&_r=0
by JMacDonald
Sat Sep 13, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 37
Views: 2038

Re: I need a personal scheduler

System Preferences>iCloud>Calendars>Signed in for all your Apple devices.
by JMacDonald
Thu Sep 11, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: I need a personal scheduler
Replies: 24
Views: 1862

Re: Poll: Which iPhone 6?

Neither, my iPhone 5 will have to die before I get a new phone. That should be quite a while. Then I will see what is available.
by JMacDonald
Tue Sep 09, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3031

Re: The Great Courses.com

I have purchased many of the courses. I have enjoyed all of them. As mentioned above, buy on sale. Do not pay full price.
by JMacDonald
Mon Sep 08, 2014 1:19 am
 
Forum: Personal Consumer Issues
Topic: The Great Courses.com
Replies: 23
Views: 2225

Re: Texas - Recommendation Where To Live

letsgobobby wrote:
Tycoon wrote:Has your friend considered California? :twisted:

Or staying in Utah. St George perhaps.

I was thinking of St. George because I had a friend that moved there for golf. That was his only passion in life. However, the summers are hot. I think the OP wants a place that doesn't exist.
by JMacDonald
Sun Sep 07, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 56
Views: 2890

Re: So, when does a market timer get back in?

Certainly agree on the 3 fund portfolio. That's the way I'm going to go....probably stock heavy (75%). My prime concern is that the market is overheating/overheated when people like myself with little financial knowledge are talking about getting in. My folks were burnt in 1986-7 by a similar incid...
by JMacDonald
Sun Sep 07, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5533

Re: operating cost of this forum

The Amazon link should be mentioned often, just to help others remember. I bought something through Amazon last week which was not finance related, and had forgotten I should go through the link on this forum. I hope the forum is well-funded, and I especially hope the administrators/moderators woul...
by JMacDonald
Sat Sep 06, 2014 2:14 pm
 
Forum: Forum Issues and Administration
Topic: operating cost of this forum
Replies: 42
Views: 5222

Re: Do you consider your emergency fund part of your portfol

No, because I don't consider it when I rebalance.
by JMacDonald
Fri Sep 05, 2014 11:01 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3050

Re: Advice on buying a single gold bullion coin

That's interesting that this type of coin is available from the US Mint. Their description for the American Eagle coins says they are "legal tender" but what are they worth as "legal tender"? Do they have a fixed price as "legal tender"? What is it? (I'm not a coin col...
by JMacDonald
Wed Sep 03, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Advice on buying a single gold bullion coin
Replies: 15
Views: 1657

Re: Paper or plastic?

The city I live in banned plastic bags a while back. Actually for me it has not been a problem. I just have a couple of reusable bags in my car for use when I shop. The store sell a paper bag for ten cents if you need a bag. Now the state is considering banning plastic. From listening to the discus...
by JMacDonald
Mon Sep 01, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2863

Re: Paper or plastic?

The city I live in banned plastic bags a while back. Actually for me it has not been a problem. I just have a couple of reusable bags in my car for use when I shop. The store sell a paper bag for ten cents if you need a bag. Now the state is considering banning plastic. From listening to the discuss...
by JMacDonald
Mon Sep 01, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2863

Re: Excess RMD

My plan: pay taxes then invest the rest into Total Stock Market.
by JMacDonald
Sun Aug 31, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess RMD
Replies: 19
Views: 973

Re: Arches-Bryce-Zion road trip: Where to stay?

I am in Cedar City, Utah right now on a trip. Usually at this time of year most places are full. But one can always find cancelations on the day of arrival. You just have to be flexible. Moab has plenty of motels for Arches and Canyonlands. Springdale has plenty of motels for Zion. Rubys Inn has ple...
by JMacDonald
Tue Aug 26, 2014 8:57 am
 
Forum: Personal Consumer Issues
Topic: Arches-Bryce-Zion road trip: Where to stay?
Replies: 16
Views: 1115

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: 45
Views: 1712

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 Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5603

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 Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5603

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: 4380

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: 1446

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: 892

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: 1995

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: 3238

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: 9249

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: 1171

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: 686

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: 4075

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: 4075

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: 5237

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: 5237

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: 3533

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: 6871

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: 1892

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: 3255

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: 6102

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: 3961
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