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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: 1047

Re: Stolen car recovered, need a plan

No matter who you sell or donate your car to, make sure you document that transaction with your DMV so any tickets won't be your responsibility. I got a notice to pay a toll charge from a car I had traded in for my new truck. I had to prove the car was no longer belong to me. I was able to do that.
by JMacDonald
Fri Dec 19, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Stolen car recovered, need a plan
Replies: 21
Views: 1975

Re: Stolen car recovered, need a plan

jakepeters wrote:* Prior to being stolen, car was worth about $4-4.5k (very clean, did all maintenance myself, but did have Ohio rust from the winter salt)

If you can document the value of your car before it was stolen, you should be able to take a tax deduction for your loss. That might help a small bit.
by JMacDonald
Fri Dec 19, 2014 7:12 am
 
Forum: Personal Consumer Issues
Topic: Stolen car recovered, need a plan
Replies: 21
Views: 1975

Re: Ski questions from a Southerner

You can have fun on your first day of skiing. However, if you are not prepared for really cold or bad weather, then it will not be fun. That is a decision you can make on that day. I have a feeling after your time in Yellowstone you might have had enough of really cold conditions. Below zero tempera...
by JMacDonald
Thu Dec 18, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 34
Views: 2386

Re: What is a move-up car after mid-size sedan?

You are going to enjoy a new car after ten years. Here is a list of possible cars: http://usnews.rankingsandreviews.com/ca ... size-Cars/
by JMacDonald
Sun Dec 14, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4045

Re: Investing Magazines

Save your money. This website and the recommended books are all that you need. The magazines will tell the latest 100 hot stocks and mutual funds where to invest your money. They are what we call around here "financial porn."
by JMacDonald
Sat Dec 06, 2014 11:36 pm
 
Forum: Investing - Theory, News & General
Topic: Investing Magazines
Replies: 29
Views: 2248

Re: Bogleheads.com and FPL Capital Management

On the website of FPL, a person is asked how you heard about them. It list White Coat Investor as one choice. I went to White Coat Investor, and there was an ad for FPL on the opening page: http://whitecoatinvestor.com
by JMacDonald
Sat Dec 06, 2014 11:08 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 30
Views: 2518

Re: Zion National Park

You won't be able to stay at the North Rim of the Grand Canyon. It is not open that time of year: http://www.nps.gov/grca/planyourvisit/hours.htm Bryce Canyon would be a good choice. Ruby's Inn is just outside of Bryce: http://www.rubysinn.com Springdale is just outside of Zion. You can find lots of...
by JMacDonald
Sat Dec 06, 2014 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Zion National Park
Replies: 16
Views: 1180

Re: Is it safe to leave Laptop in hotel room

I can resist anything but temptation. Oscar Wilde I don't believe in giving anyone temptation. While most people would not consider stealing anything, something of value may tempt someone. I do not leave anything of value out in the open in my car or in a hotel room. I have buried my laptop in my lu...
by JMacDonald
Sat Dec 06, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7792

Re: Vanguard offers login security code

I signed up last night. It works well, no problems.
by JMacDonald
Sat Dec 06, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 96
Views: 14330

Re: Amazon product restricted to Prime members. Is this new?

You can get that Item here: http://www.walmart.com/ip/Andis-40055-ProStyle-1600W-Pistol-Hand-Held-Dryer/24274384?action=product_interest&action_type=title&placement_id=irs_top&strategy=PWVAV&visitor_id=GUFwLpBpWHXthi8uhMXQh4&category=&client_guid=52d9d166-0228-4310-838a-85d09...
by JMacDonald
Wed Dec 03, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Amazon product restricted to Prime members. Is this new?
Replies: 34
Views: 4151

Re: Stanley Kubrick's 2001 a space odyssey

OK, It has been at least 40 years since I saw the movie: Humanity is reborn by a need for a challenge. That is as simple an explanation as I saw it. It will be interesting to see what others think.
by JMacDonald
Wed Dec 03, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3965

Re: Bogleheads.org android / iphone app

The Bogleheads.org experience on Safari for iPhone 6 plus (my new mobile device) is great, and obviates the need for an app, in my opinion. I disagree. If you've ever used either a dedicated app or Tapatalk, you may realize the mobile experience could be better. I have an iPhone 6, and though funct...
by JMacDonald
Tue Dec 02, 2014 10:39 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 23
Views: 2689

Re: Advice on old beater car. Best way to get rid?

Now matter who you sell or give your vehicle to, make sure you notify your DMV of the transfer. Don't trust that the other person or organization will do it. You will be held responsible for any tickets or toll charges if you can't prove you don't own the vehicle anymore. I traded in my truck when I...
by JMacDonald
Mon Dec 01, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Advice on old beater car. Best way to get rid?
Replies: 34
Views: 2806

Re: Selling a rented house

When I sold a house many years ago, I offered it first to the renters at a reduced price because we would not have to use a realtor. When they were unable to buy the house, I wanted them out of the house to get it ready to sell. I gave them one month's rent if they moved out asap. That worked for me.
by JMacDonald
Sun Nov 30, 2014 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Selling a rented house
Replies: 39
Views: 3086

Re: TV buying recommendations

I have a 50" Panasonic Plasma TV. I am very happy with it. I sit about 10 feet from the TV in small room. That is as small I would want a TV. I agree with livesoft to get the biggest TV that will work for you. Yesterday, I was in a Sony store and saw their 4K Ultra HD TVs. Wow, amazing picture....
by JMacDonald
Sat Nov 29, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: TV buying recommendations
Replies: 44
Views: 3030

Re: I know you folks are big fans of individual stocks but..

Ward Cleaver wrote:I believe in the power of dividend reinvestment...

You may want to check out this Morningstar forum: Income & Dividend Investing

http://socialize.morningstar.com/NewSoc ... 00098.aspx
by JMacDonald
Fri Nov 28, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: I know you folks aren't big fans of individual stocks but...
Replies: 19
Views: 1783

Re: Avoiding lifestyle creep

Paying down your mortgage is risk free. I like using most of the money for that and the rest to use for enjoyment with your family.
by JMacDonald
Tue Nov 25, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 30
Views: 5439

Re: Bogleheads, anyone doing "Black Friday"

No, I already have way too much stuff. I really need to start getting rid of some of it.
by JMacDonald
Mon Nov 24, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 5682

Re: 23 year old... Can I afford a Rolex?

It is true a Rolex can cost $10k more or less new. But consider that it cheap compared to this watch: http://www.chrono24.com/en/greubelforsey/quadruple-tourbillion-rg--black--leather--id2827129.htm?urlSubpath=/greubelforsey/prices-for-watches--new.htm&manufacturerIds=537&usedOrNew=new So gi...
by JMacDonald
Mon Nov 24, 2014 7:16 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 13968

Re: Bumped out of first class at boarding - compensation?

If you end up going to small claims court, prepare your case. Here is a link for California's small claims court: http://www.courts.ca.gov/selfhelp-smallclaims.htm Write a letter making your case to customer service. If you are not satisfied with customer service, then write a letter to the CEO of t...
by JMacDonald
Sun Nov 23, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 52
Views: 6354

Re: 23 year old... Can I afford a Rolex?

the watch era is over - people use their smartphones. If this is true, why do I often get asked the time? I wear a watch. Really? I can't think of any time or place in today's life where one can be out of line-of-sight of something displaying the time of day. What you say is true, but I have been a...
by JMacDonald
Sun Nov 23, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 13968

Re: 23 year old... Can I afford a Rolex?

sambb wrote:the watch era is over - people use their smartphones.

If this is true, why do I often get asked the time? I wear a watch.
by JMacDonald
Sun Nov 23, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 13968

Re: Movie dialog, "The Social Network." Hard to hear?

I have not seen that movie, but I always click on the English tittles on any of the movies I rent. It makes it much easier for me to follow the action without having to be concerned about missing any dialogue.
by JMacDonald
Sat Nov 22, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Movie dialog, "The Social Network." Hard to hear?
Replies: 15
Views: 2331

Re: TSM vs S&P500

I use the TSM for my taxable account. It is interesting to do a side by side comparison: https://personal.vanguard.com/us/funds/vanguard/compare?navigatingFrom=6 All I see is a blank page. I assume it's locked because I see the padlock symbol on the right side. Well, I did a preview and the link wo...
by JMacDonald
Fri Nov 21, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: TSM vs S&P500
Replies: 25
Views: 2884

Re: TSM vs S&P500

I use the TSM for my taxable account. It is interesting to do a side by side comparison:

https://personal.vanguard.com/us/funds/ ... tingFrom=6
by JMacDonald
Fri Nov 21, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: TSM vs S&P500
Replies: 25
Views: 2884

Re: Apple Stores - do they try to be awful?

I find the Apple stores to be fun. If I happen to be near one, I will even stop in if I am not buying anything. The very few times I have needed help, the problems was solved by a "Genius."
by JMacDonald
Tue Nov 18, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 4037

Re: Cost to furnish a condo

One thing to be careful about is the size of the furniture. The rooms of condos can be much smaller than houses so you need to adjust the size of the furniture. I found out the hard way when my couch did not fit when I moved into my condo. :oops:
by JMacDonald
Mon Nov 17, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Cost to furnish a condo
Replies: 29
Views: 4056

Re: Hoa resurrection

They had a meeting and there was a vote. Unfortunately i was working that day and could not attend. I do not know how many people were at the meeting. We are in WV. Mike This does not sound right. Even if you were unable to attend the meeting, you should have been able to vote on the new board. I w...
by JMacDonald
Sun Nov 16, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 4183

Re: Hoa resurrection

Last year there were some issues that came up with a potential new development that the neighborhood felt would be detrimental to our community, so the association was revived and the development was stopped. Mike When you state that the association was revived, was a new board elected by the homeo...
by JMacDonald
Sun Nov 16, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 4183

Re: "Downgrading" to a Porsche

DJB wrote: After two years, I'm very happy with the car. It made the commute MUCH more comfortable and the car, surprisingly, has had no issues and been very cheap to maintain.

Just keep the car.
by JMacDonald
Sat Nov 15, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: "Downgrading" to a Porsche
Replies: 39
Views: 6560

Re: Consider freezing your credit

I locked my credit when Target and others were getting hacked. I really have no need for credit. Here is how one does it in California: http://oag.ca.gov/idtheft/facts/freeze-your-credit
by JMacDonald
Thu Nov 13, 2014 8:54 am
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 4664

Re: How does AAP get affected by rotating equity into defens

Sector funds, generally, are more risky rather than defensive: http://www.bankrate.com/finance/investing/sector-funds-right-for-you.aspx In fact, due to their propensity for extremes, buy-and-hold investors should steer clear of sector funds altogether, says Christine Benz, director of personal fina...
by JMacDonald
Wed Nov 12, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: How does AAP get affected by rotating equity into defensive
Replies: 3
Views: 435

Re: 1276% toll admin fee from Dollar. 86% of rental cost

Since I haven't driven in Texas, I was not aware of how many toll roads there are in the major cities there. Apparently, this was a hot topic in the last election. Here is an article I found warning Super Bowl fans in 2011 about toll roads: http://www.dallasnews.com/sports/super-bowl/local/20110124-...
by JMacDonald
Mon Nov 10, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 9624

Re: Travelling Companions or small groups

For travel in Europe, I recommend Rick Steves: http://www.ricksteves.com
I went to Ireland and Scotland on separate trips using him.
by JMacDonald
Sun Nov 09, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Travelling Companions or small groups
Replies: 32
Views: 2911

Re: 1276% toll admin fee from Dollar. 86% of rental cost

This conversation has been interesting because I usually avoid toll road here in California when I drive. I was surprised to learn that the Golden Gate Bridge is now cashless. Trying to get information on tolls roads here in California, i found this on Trip Advisor: http://www.tripadvisor.com/Travel...
by JMacDonald
Sun Nov 09, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 9624

Re: 22, I want to be rich, looking for a high reward fund

I consider investing a way to create wealth over time; however, my get rich quick plan is playing Powerball. So far my investing plan is doing well, but not so my get rich quick plan.
by JMacDonald
Thu Nov 06, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6460

Re: I have seen the enemy and it is me. Reluctance to inves

I am not sure why you need to enter the stock market at this point of your life unless it is to leave an inheritance to your heirs. You have enough money to live on for now. Read the following link for developing an asset allocation on your willingness, ability, and need to take risk: http://www.kev...
by JMacDonald
Wed Nov 05, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have seen the enemy and it is me. Reluctance to invest
Replies: 29
Views: 3420

Re: Is Vanguard a good place to invest?

Tibbits and others ask what my wife suggests instead. Before I showed her that complaintsboard was a scam, she was leaning toward going back to our commissioned based advisor. She couldn’t find anything against her on the web! Gary There is nothing wrong with getting advice from a professional, but...
by JMacDonald
Wed Nov 05, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard a good place to invest?
Replies: 59
Views: 5122

Re: AT&T Mobile Users: Check your plans

The price war continues! For the $40 that I was paying for 2GB of data, I can now get 3GB! I don't think it happens automatically, so I just made the switch online. The website said that it was for a "limited time." I'm not sure why that would be the case, but I'd act quickly. The new dea...
by JMacDonald
Sun Nov 02, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 63
Views: 8768

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 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best approaches to accumulating in a down market
Replies: 23
Views: 1996

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 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 9101

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 11:20 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 9887

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 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 9887

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 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 48
Views: 2979

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 2:00 pm
 
Forum: Personal Consumer Issues
Topic: TSA [is it a hassle to opt out of scanning?]
Replies: 42
Views: 2282

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 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2349

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 11:20 am
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2574
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