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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 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best approaches to accumulating in a down market
Replies: 23
Views: 1841

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 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 79
Views: 6106

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
Tue Oct 28, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6850

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 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6850

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 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 42
Views: 2033

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 3:00 pm
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2221

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 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2273

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 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2356

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
Sun Oct 19, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 41
Views: 3031

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 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2273

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 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3375

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 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Be careful if you get this email [scam, infected with virus]
Replies: 12
Views: 1959

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 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Grand Canyon by rail
Replies: 8
Views: 682

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 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2083

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 2:04 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26591

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 1:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Stay with CalSTRS or move to CalPERS?
Replies: 7
Views: 1070

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 9:09 pm
 
Forum: Forum Issues and Administration
Topic: Post disappeared before being posted
Replies: 20
Views: 1384

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 2:32 pm
 
Forum: Personal Consumer Issues
Topic: How long before disputing a charge on my Visa?
Replies: 20
Views: 1465

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 10:18 am
 
Forum: Personal Consumer Issues
Topic: Logic- knowledge wanted
Replies: 15
Views: 1226

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 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10088

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 9:44 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 16
Views: 1448

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
Thu Oct 02, 2014 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: R u selling PIMCO bond fund
Replies: 25
Views: 2779

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: 113
Views: 10088

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: 3437

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: 3437

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: 5929

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: 1742

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: 5929

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: 3278

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: 483

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: 1980

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: 5929

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: 3278

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: 725

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: 3278

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: 46
Views: 3551

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: 2645

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: 2118

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: 1901

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: 3229

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: 2303

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: 3020

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: 5645

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: 5619

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: 3099

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: 1742

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: 2995

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: 2995
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