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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
Mon Mar 23, 2015 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 11525

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 22, 2015 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Free Book! Fixing 403(b) Plans
Replies: 10
Views: 617

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
Sun Mar 08, 2015 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 29
Views: 1994

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
Tue Mar 03, 2015 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4496

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
Fri Feb 27, 2015 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1093

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
Thu Feb 26, 2015 6:21 am
 
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 8997

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
Wed Feb 25, 2015 10:50 am
 
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 3116

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
Tue Feb 24, 2015 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Taking RMD this year
Replies: 13
Views: 965

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
Mon Feb 23, 2015 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1093

Re: Admiral Shares

by JMacDonald
Mon Feb 23, 2015 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares
Replies: 4
Views: 314

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 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 2452

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
Fri Feb 20, 2015 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 2452

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 11:53 am
 
Forum: Personal Consumer Issues
Topic: Can I have DISH TV and Verizon FIOS internet?
Replies: 13
Views: 627

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
Thu Feb 19, 2015 10:58 am
 
Forum: Personal Consumer Issues
Topic: Can I have DISH TV and Verizon FIOS internet?
Replies: 13
Views: 627

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
Sun Feb 15, 2015 11:25 am
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 61
Views: 3930

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 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2177

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
Fri Feb 13, 2015 3:01 pm
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 4227

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
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: 11609

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
Tue Feb 10, 2015 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: How do slice and dicers rebalance?
Replies: 14
Views: 711

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
Sun Feb 08, 2015 2:08 am
 
Forum: Personal Finance (Not Investing)
Topic: convert time magazine subscription to digital ?
Replies: 2
Views: 318

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
Tue Feb 03, 2015 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Way to Buy Broadway Tickets?
Replies: 5
Views: 699

Re: Telescopes?

I would start learning about the night sky with binoculars: http://www.skyandtelescope.com/astronom ... telescope/
by JMacDonald
Sun Feb 01, 2015 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Telescopes?
Replies: 21
Views: 1354

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
Sun Feb 01, 2015 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Need a new vacuum
Replies: 22
Views: 1519

Re: Scottsdale, AZ - what to do?

Native American Culture: Heard Museum http://heard.org
by JMacDonald
Thu Jan 29, 2015 11:23 am
 
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 3378

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 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Some RMD Questions
Replies: 28
Views: 1565

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
Tue Jan 27, 2015 10:50 am
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3903

Re: Drinking water

I use an Everpure water filter: http://residential.everpure.com/en-US/p ... ev9270-76/
It works well.
by JMacDonald
Mon Jan 26, 2015 10:03 am
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 46
Views: 3507

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
Sat Jan 24, 2015 2:21 pm
 
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 2590

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
Mon Jan 19, 2015 5:29 pm
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 2067

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 6:57 pm
 
Forum: Forum Issues and Administration
Topic: Eliminating the "Face Palm" Icon
Replies: 33
Views: 2395

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
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: 4607

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
Thu Jan 15, 2015 6:58 am
 
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 2542

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 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 2542

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...
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: 3094

Re: "Vanguard Group execs say deflation a real risk..."

LA Times: Deflation fears rock markets again but consumers see windfall—for now http://www.latimes.com/business/la-fi-investing-quarterly-deflation-20150111-story.html#page=1 After a lifetime of fearing runaway inflation, some investors now worry that the greatest threat is the opposite: shrinking p...
by JMacDonald
Sun Jan 11, 2015 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard Group execs say deflation a real risk..."
Replies: 61
Views: 6359

Re: cat water fountain

I had the same problem. My cats were not drinking water. I tried a fountain. They wouldn't touch it. I now put about four teaspoons of water (I have a measuring spoon) in the food every time I feed them. Now they get plenty of water.
by JMacDonald
Sat Jan 10, 2015 8:09 pm
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4844

Re: places to stay in Paris and Nice

Here is where I stayed in Paris some years ago: http://www.tripadvisor.com/Hotel_Review ... rance.html
by JMacDonald
Sat Jan 10, 2015 10:10 am
 
Forum: Personal Consumer Issues
Topic: places to stay in Paris and Nice
Replies: 10
Views: 1552

Re: SoCal City Recommendations Young Family

I have some friends that live off of the I-15, Carmen Mountain Road exit: https://www.google.com/maps/place/World ... 78524f791f
It is a nice area.
by JMacDonald
Thu Jan 08, 2015 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: SoCal City Recommendations Young Family
Replies: 29
Views: 2324

Re: What will be the biggest investment surprises of 2015?

The Bogleheads forum will go a whole year without someone asking about that guy Weiner.
by JMacDonald
Sat Jan 03, 2015 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: What will be the biggest investment surprises of 2015?
Replies: 82
Views: 8242

Re: Why Does The 60/40 Work So Well?

So if one were to do a 60/40, then what would be the best funds to use and % allocated to each funds? I am referring to something more than just a simple three-fund portfolio. I use the Vanguard LifeStrategy Moderate Growth Fund for my 60/40: https://personal.vanguard.com/us/funds/snapshot?FundId=0...
by JMacDonald
Wed Dec 31, 2014 2:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Does The 60/40 Work So Well?
Replies: 31
Views: 4882

Re: [Why did my fund suddenly drop in value?]

My fund (Vanguard LifeStrategy Moderate Growth Fund) dropped 1.58% today. I can see why so many people wondered what happened to their funds as this is quite a drop for one day. I'll get it all back tomorrow. :beer
by JMacDonald
Mon Dec 29, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 151
Views: 23403

Re: Downhill and cross country ski destination

Take a look at Sugar Bowl: http://www.sugarbowl.com/home Besides being a downhill ski resort, Sugar Bowl also runs Royal Gorge: http://www.royalgorge.com/home If you don't mind staying at a rustic lodge, this is where I stay: http://vault.sierraclub.org/outings/lodges/ctl/ If that doesn't work, try ...
by JMacDonald
Mon Dec 29, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Downhill and cross country ski destination
Replies: 18
Views: 1594

Re: Orange County - new to the area

OP.....Irvine is what I consider a plastic city. I remember when it was nothing but orange, avocado and walnut trees. Look around.....notice there are no telephone posts? :) I always thought of Irvine as a city where every twig has its place. OP: There are less expensive places to live than Irvine....
by JMacDonald
Tue Dec 23, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Orange County - new to the area
Replies: 17
Views: 1426

Re: How to tackle a crack on the windshield

I had one done a few years ago and the installer left a tool and a can of glass cleaner in the car. That was the best glass cleaner I have ever found. http://www.amazon.com/gp/product/B000AP585M/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 I used this glass cleaner for weekly cleaning at my churc...
by JMacDonald
Tue Dec 23, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: How to tackle a crack on the windshield
Replies: 28
Views: 2343

Re: Set and Forget Portfolio?

Call_Me_Op wrote:I Do you feel that a portfolio consisting of stocks and bonds covers all bases?

I don't know if you need to cover all the bases. I have the Vanguard LifeStrategy Moderate Growth Fund. It covers enough bases for me. It is my set and forget portfolio.
by JMacDonald
Sun Dec 21, 2014 9:56 pm
 
Forum: Investing - Theory, News & General
Topic: Set and Forget Portfolio?
Replies: 21
Views: 2656

Re: Is VG Portfolio Tool too aggressive?

I also like Larry's approach to asset allocation. Here is one explanation of it: http://www.kevinoninvesting.com/2010/04/risk-tolerance.html I have never used that Vanguard tool before and tried it. After I entered my information, this is the recommendation for me: 42% Vanguard Total Stock Market In...
by JMacDonald
Sat Dec 20, 2014 10:37 am
 
Forum: Investing - Theory, News & General
Topic: Is VG Portfolio Tool too aggressive?
Replies: 17
Views: 1326
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