Search found 1956 matches

by JMacDonald
Sun Aug 20, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 2702

Re: Advantages of Having No Credit Score

denovo wrote:
Sun Aug 20, 2017 6:55 pm
What was the term and apr on your loan
It is possible you ended up paying a higher interest rate due to no credit score. You mortgage will now start to build your credit if you pay on time.
by JMacDonald
Sat Aug 19, 2017 10:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 14097

Re: Bogleheads Los Angeles meetings

I am interested in attending the Los Angeles meeting this Sunday, August 20th at 9 AM . What is the address and how long is the meeting? This will be my first boglehead meeting. The meeting is at Philippes http://www.philippes.com/ You can get there by Metro: the Gold, Red and Purple lines go to Un...
by JMacDonald
Fri Aug 18, 2017 8:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 14097

Re: Bogleheads Los Angeles meetings

I am interested in attending the Los Angeles meeting this Sunday, August 20th at 9 AM . What is the address and how long is the meeting? This will be my first boglehead meeting. The meeting is at Philippes http://www.philippes.com/ You can get there by Metro: the Gold, Red and Purple lines go to Un...
by JMacDonald
Thu Aug 17, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 57
Views: 7349

Re: Little P**S Ants

...but now the original little [ants --admin LadyGeek] are back. They are eating the terro bait again but I'm getting sick of it. I missed this comment in my earlier post. If they are eating the terro bait now, chances are they will eventually die. But it can take a while for this to occur. I had a...
by JMacDonald
Wed Aug 16, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped 100 points overnight
Replies: 31
Views: 2736

Re: Credit score dropped 100 points overnight

I get my credit score from my three credit cards and Credit Karma. About a month ago, my credit score dropped about a hundred points overnight. I have perfect credit. There was no reason for the drop. I called the three credit agencies and complained. They sent me my credit reports despite having re...
by JMacDonald
Sat Aug 12, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 35
Views: 2906

Re: Cheapest way to upgrade iPhones ?

AT&T seems to have a deal that you can get two iPhone 7s for the price of one. Check at a AT&T store to make sure:
https://www.att.com/shop/wireless/devic ... hones.html#
by JMacDonald
Sat Aug 12, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: What the best identity theft co.?
Replies: 21
Views: 1194

Re: What the best identity theft co.?

I wouldn't use LifeLock. Just freeze your credit and watch your financial accounts on a regular basis.

https://www.consumer.ftc.gov/articles/0 ... reeze-faqs

https://www.consumerreports.org/consume ... -the-cost/
by JMacDonald
Thu Aug 10, 2017 2:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 14097

Re: Bogleheads Los Angeles meetings

I was thinking September. I will be traveling to my niece's cabin near Josemite. I have to think about a different route. I want to come, but it will delay my travel plans. Who ever is in charge needs to get the time, and date set. There has been no ambiguity about the time and date. From the first...
by JMacDonald
Thu Aug 10, 2017 8:07 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 14097

Re: Bogleheads Los Angeles meetings

I will be there at 9AM on the 20th. There is a long table in the back, at least the last time I was there. I will have my Vanguard hat. Send Petro an email so he can come and bring his $5k watch so we can admire it. So the 20th is set ? Who can I email as a main contact point Count me in. I want to...
by JMacDonald
Thu Aug 10, 2017 7:04 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 14097

Re: Bogleheads Los Angeles meetings

I am going to suggest again a meeting at Philippes on a Sunday morning at 9AM. The Red, Purple, and Gold Metro lines go to Union Station. It is only a three block walk to Philippes: https://www.google.com/maps/dir/Union+Station,+North+Alameda+Street,+Los+Angeles,+CA/Philippe+The+Original,+1001+Nort...
by JMacDonald
Wed Aug 09, 2017 5:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 14097

Re: Bogleheads Los Angeles meetings

tolerable2323 wrote:Am interested of going. Anything else I should know?
This is just a meeting of local Bogleheads. If you are driving, Philippes has a free parking lot across the street.
by JMacDonald
Wed Aug 09, 2017 11:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 14097

Re: Bogleheads Los Angeles meetings

If we have a meeting at Philippes, some of us could take the metro and not drive: http://www.philippes.com/ I am going to suggest again a meeting at Philippes on a Sunday morning at 9AM. The Red, Purple, and Gold Metro lines go to Union Station. It is only a three block walk to Philippes: https://w...
by JMacDonald
Wed Aug 09, 2017 11:12 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 14097

Re: Bogleheads Los Angeles meetings

If we have a meeting at Philippes, some of us could take the metro and not drive: http://www.philippes.com/ I am going to suggest again a meeting at Philippes on a Sunday morning at 9AM. The Red, Purple, and Gold Metro lines go to Union Station. It is only a three block walk to Philippes: https://w...
by JMacDonald
Mon Aug 07, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 1745

Re: Santa Fe New Mexico - recommendations

Here are two things you can do for evening entertainment:

https://www.santafeopera.org/

https://www.entreflamenco.com/
by JMacDonald
Wed Jul 26, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 5300

Re: GF Picking a college major

My niece who is not good at math went to American Career College to become a dental assistant: m Maybe your GF should go that route and skip the four year college program. There is probably a similar program in the area you live. Learn a skill and earn a living. She can always go back to college lat...
by JMacDonald
Mon Jul 24, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Treadmill Desk
Replies: 8
Views: 954

Re: Treadmill Desk

by JMacDonald
Fri Jul 07, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 13711

Re: Are you finding any good values at Amazon anymore?

Here is an article on Amazon pricing: http://www.latimes.com/business/la-fi-a ... story.html
The Santa Monica-based nonprofit taxpayer and consumer advocacy group looked at hundreds of products sold by Amazon in June and found nearly 4 in 10 listings displayed fictitious discount.
by JMacDonald
Sat Jul 01, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13687

Re: Sam's Club vs. Costco

I like Costco for gasoline. When I travel in the West, I stop at Costco for gas. There are many Costco's on the routes that I take. It is interesting that other Costcos are not as crowded as the local ones that I shop in. I can't compare Costco to Sam Club as I have never been in one.
by JMacDonald
Sat Jun 24, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Water Damaged/Broken
Replies: 10
Views: 1066

Re: iPhone 6 Water Damaged/Broken

If you like your iPhone 6 and don't need an iPhone 7, buy a Refurbished iPhone 6s:

https://www.apple.com/shop/browse/home/ ... als/iphone

That will save you a bit of money.
by JMacDonald
Thu Jun 22, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Amazon purchase
Replies: 10
Views: 1620

Re: Amazon purchase

When I want to buy something from Amazon, I just go to BH site, click on Amazon.com and choose my purchase? As I understand it, then BH will receive a small referral fee but there is no charge to me? Why not just bookmark the Amazon Bogleheads link on your computer? That way you will never forget t...
by JMacDonald
Thu Jun 22, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Is someone trying to steal my identity?
Replies: 32
Views: 3593

Re: Is someone trying to steal my identity?

This is troublesome. You should consider using services like lifelock to help with your identity protection. But if you want to save money and do it yourself, I would: 1. Reset my laptop/phone to original condition (only save data), 2. Put camera to monitor your mailbox, 3. Request credit report an...
by JMacDonald
Wed Jun 21, 2017 8:54 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 11222

Re: Amazon Buys Whole Foods

It will be interesting to see what Amazon does with Whole Food. I don't see it working where I live. There is just too much competition among different grocery stores. Fresh and Easy found that out. I see a closed former Fresh and Easy Store locally: m Fresh and Easy was Tesco (world's 3rd largest ...
by JMacDonald
Tue Jun 20, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 3466

Re: Liability with dogs, hypothetical

I would build a real fence to keep you dog in. That will be cheaper than having to pay for a lawsuit. Pit Bulls are just too unpredictable.
by JMacDonald
Tue Jun 20, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 11222

Re: Amazon Buys Whole Foods

It will be interesting to see what Amazon does with Whole Food. I don't see it working where I live. There is just too much competition among different grocery stores. Fresh and Easy found that out. I see a closed former Fresh and Easy Store locally: https://en.wikipedia.org/wiki/Fresh_%26_Easy
by JMacDonald
Mon Jun 19, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: California Vacation - Bay Area, So Cal, or Both (with coastal drive)?
Replies: 24
Views: 1808

Re: California Vacation - Bay Area, So Cal, or both (with coastal drive)?

Southern Cali would be funner for the kids cause you can go in the ocean water unlike northern. Bay area is more about wine tasting. If you want redwoods go to the Yosemite. The Mariposa Grove of Giant Sequoias in Yosemite is closed now. m It would be better to go to Sequoia NP to see Giant Sequoia...
by JMacDonald
Mon Jun 19, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: California Vacation - Bay Area, So Cal, or Both (with coastal drive)?
Replies: 24
Views: 1808

Re: California Vacation - Bay Area, So Cal, or both (with coastal drive)?

psteinx wrote: is that there is widespread enthusiasm to see the Redwood forests north of San Francisco.

If you do go north to see the big trees, be sure to drive through the Avenue of the Giants
http://avenueofthegiants.net/
by JMacDonald
Sun Jun 04, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 28091

Re: Where to Live on $60K or Less a Year?

Cedar City, Utah: m Utah Shakespeare Festival during summer and fall: m Neil Simon Festival in summer: m Outdoor activities nearby: Cedar Breaks National Monument: m Also Zion NP, Bryce NP, North Rim Grand Canyon NP and many other parks in Utah I visit Cedar City every summer for the Utah Shakespear...
by JMacDonald
Tue May 23, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: Why Invest in Average?
Replies: 34
Views: 3412

Re: Why Invest in Average?

Well, the Invesco S&P 500 Index Fund Class A SPIAX is definitely not average. You get to pay a 5.50% load and a .59% ER. m Compared to Vanguard 500 Index Fund Admiral Class VFIAX. You only pay .04% ER with no load. m Yes, Invesco is definitely above average! You have to wonder who is investing i...
by JMacDonald
Sun May 21, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Galapagos Trip, Suggestions
Replies: 17
Views: 1820

Re: Galapagos Trip, Suggestions

I went to the Galapagos a couple of years ago and did all the islands for two weeks. This is the outfit I went with: http://www.enchantedexpeditions.com/des ... chalote-i/
Maybe they can help you with your plans.
Here is a link to one of their trips you might want to do:
http://www.enchantedexpeditions.com/des ... ours/2942/
by JMacDonald
Sun May 14, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 2928

Re: Help convince me it's okay (or not): new vehicle

4. I like my vehicle. Feel free to laugh, but it's the nicest vehicle I've ever owned. The seats are SO comfortable for my body size. 5. I don't have to worry about getting my car dinged when I go hiking/drive on dirt roads or haul stuff from Home Depot/Lowes. Buy the new car and keep the old one f...
by JMacDonald
Sun May 07, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: About to retire
Replies: 18
Views: 3044

Re: About to retire

Have advisor disclose how much upfront commission and fees they receive from riversource variable annuity, and you will soon know why they are pushing for it. Never heard of commission/fee disclosure from a traditional advisor. Will they actually do that? Exactly! They will not do it - and if they ...
by JMacDonald
Thu Apr 27, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 48
Views: 5787

Re: Anyone use Kaiser Senior Advantage for Medicare

Well, I don't know about NorCal Kaiser, but here in Southern Cal Kaiser, I saw my regular doctor Tuesday morning and she made a routine referral. I saw that doctor today, two days later. Now that was quicker than I have experienced before with Kaiser, but I have never had long waits to see any docto...
by JMacDonald
Sun Apr 23, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2584

Re: National Parks in Northern CA

how busy are these big parks DURING THE WEEK and not on a weekend? Talking June/July/early Aug. Thanks. Yosemite Valley will be very busy no matter what day during the summer. Getting out of the Valley it is less crowded. Sequoia is crowded but not like Yosemite Valley. It is more spread out from G...
by JMacDonald
Sat Apr 22, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2584

Re: National Parks in Northern CA

Unless you get lucky and get a cancellation, you will need to get a reservation at one of the gateway communities outside of Yosemite and drive into the park each day. Both Oakhurst and Mariposa will work for that with a drive over 40 miles one way. Popular national parks sell out quickly for hotel ...
by JMacDonald
Sat Apr 22, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: RMD for 2017?
Replies: 13
Views: 1519

Re: RMD for 2017?

by JMacDonald
Thu Apr 20, 2017 6:32 am
Forum: Personal Consumer Issues
Topic: fil moved, now outside of kaiser service area, what to do?
Replies: 10
Views: 1224

Re: fil moved, now outside of kaiser service area, what to do?

I have Kaiser Senior Advantage Plan. I would not move out of the area where I live because I would lose it. If your FIL's top priority is having Kaiser, then he will need to move back into an area that Kaiser serves.
by JMacDonald
Tue Apr 18, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: RMD Question
Replies: 6
Views: 782

Re: RMD Question

I don't use the RMD service of Vanguard. I calculate the RMD myself and do the withdrawal and pay the Federal and State taxes. I use this page from Vanguard: https://personal.vanguard.com/us/insigh ... r-rmd-tool
by JMacDonald
Mon Apr 17, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: Is all the money flowing into index funds bad?
Replies: 21
Views: 3204

Re: Is all the money flowing into index funds bad?

I heard today on the radio, the head of the endowment fund for the University of Cincinnati say that the 830+ billion dollars flowing into index funds at Vanguard and all the other money flowing into them at other Investment firms is going to hurt the market and will have consequences at some point...
by JMacDonald
Sun Apr 16, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 5387

Re: New phone..any advantages to buying at Costco?

Costco is offering rebates on certain cell phones: https://www.costco.com/cell-phones.html ... alogSearch
Find your carrier and see if the cell phone you want has a rebate. You can get a $200 cash card for a limited time .
by JMacDonald
Sat Apr 15, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Is Growing Faster Than Everybody Else Combined]
Replies: 34
Views: 2600

Re: NYT article on Vanguard

When people stop going to Las Vegas, then I will believe that everyone will index.
by JMacDonald
Sun Apr 09, 2017 6:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard Taking-In $2 Billion a Day in New Cash
Replies: 30
Views: 5438

Re: Vanguard Taking-In $2 Billion a Day in New Cash

Here is an article about the move to index funds:
Small investors' move to 'passive' stock funds becomes a stampede
http://www.latimes.com/business/la-fi-i ... story.html
by JMacDonald
Sat Apr 08, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: I have a car loan. Can I pay off the loan without penalty?
Replies: 28
Views: 2140

Re: I have a car loan. Can I pay off the loan without penalty?

If the dealer arranged the loan, then he will probably get a small kick back if the loan goes at least 90 days. I just bought a vehicle and the finance officer at the dealership told me he would get $250 if I had the loan for at least 90 days. There was no prepayment penalty on my loan. I paid my lo...
by JMacDonald
Thu Apr 06, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 6510

Re: Help on how to spend more on myself (First World Whine)

Well, until you want to spend money on yourself, here is a charity I donate to:
https://www.youtube.com/watch?v=9eT1XKGlL38
by JMacDonald
Tue Apr 04, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 32
Views: 3070

Re: Where to buy new iPhone

You can get an iPhone from Apple at a discount if you buy a refurbished one:

http://www.apple.com/shop/browse/home/s ... als/iphone
by JMacDonald
Mon Mar 27, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Versatile economical RV recommendations for a frugal retiree?
Replies: 59
Views: 4934

Re: Versatile economical RV recommendations for a frugal retiree?

Here is one possibility: m Thanks Joe. I've been planning to visit their factory. Watched all their YouTube vids. There's a couple in my area mounted on Toyota Tundras and seem to do well. My only hangup is potentially having a problem popping the top up as theres no mechanical crank like the North...
by JMacDonald
Wed Mar 22, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: whole house water filter --your thoughts?
Replies: 26
Views: 2321

Re: whole house water filter --your thoughts?

I have been using the Everpure system for years for my drinking water: http://residential.everpure.com/en-US/p ... ev9270-76/
by JMacDonald
Tue Mar 14, 2017 4:53 am
Forum: Personal Consumer Issues
Topic: Utah, besides the national parks?
Replies: 21
Views: 2107

Re: Utah, besides the national parks?

If you enjoy going to the theater, Cedar City has a festival of plays each summer and fall running into September and October: https://www.bard.org/
by JMacDonald
Sat Mar 11, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3103

Re: Buying Used Car- Less than 11K out door

Here is a website that may help you make a decision: http://www.carcomplaints.com