Search found 1925 matches

by JMacDonald
Thu Apr 27, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 44
Views: 4235

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: 2121

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: 2121

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: 1239

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: 1087

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: 685

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: 2992

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: 3030

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: 2148

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: 4956

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: 1836

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: 5294

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: 2516

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: 4038

Re: Versatile economical RV recommendations for a frugal retiree?

Here is one possibility: http://www.fourwh.com/ 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...
by JMacDonald
Wed Mar 22, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: whole house water filter --your thoughts?
Replies: 26
Views: 1983

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: 1800

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: 2750

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

Here is a website that may help you make a decision: http://www.carcomplaints.com
by JMacDonald
Fri Mar 10, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 6789

Re: 28yo, New Millionaire, Advice on Wealth Management

Like everybody says, managing the money is actually pretty much a no brainer. Once you have it figured out the key is keeping it simple and avoiding doing anything really stupid to avoid taxes or getting involved with some crooks get rich scheme. I agree not to try a get rich scheme. You are alread...
by JMacDonald
Sun Mar 05, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: 60/40 Stock bond split
Replies: 8
Views: 1000

Re: 60/40 Stock bond split

Here are some Vanguard funds that are 60/40 or close to it: https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0914#tab=2 https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0502#tab=2 https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&Fun...
by JMacDonald
Wed Mar 01, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Favorite survival books?
Replies: 41
Views: 3431

Re: Favorite survival books?

The original and still the best, The Odyssey by Homer. Robert Fagles translation. This is available read by Ian McKellen. Great to listen while driving. https://www.amazon.com/The-Odyssey/dp/B000OYDLE4/ref=pd_sim_129_1?_encoding=UTF8&pd_rd_i=B000OYDLE4&pd_rd_r=STXJPCQ7MRN4914JDXHD&pd_rd...
by JMacDonald
Fri Feb 24, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Hotel Reservations
Replies: 18
Views: 1670

Re: Hotel Reservations

When we take a road trip, we always try to make hotel reservations in advance. Experience has taught us that hotel rates are a lot less expensive using advance reservations. For our latest trip, I made reservations about a month in advance. A few days prior to leaving, I checked the rates on line f...
by JMacDonald
Mon Feb 20, 2017 5:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3843

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

This has been an amazing journey from Morningstar to this website. Who would have believed that it would have lasted 10 years? Credit goes to everyone who has worked to keep it going. May we celebrate another 10 years.
by JMacDonald
Fri Feb 17, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Visiting the National Parks
Replies: 27
Views: 1666

Re: Visiting the National Parks

Don't overlook the National Parks in Canada: https://en.wikipedia.org/wiki/List_of_N ... _of_Canada
The parks just north of Glacier National Park are easy to get to and worth the trip.
https://en.wikipedia.org/wiki/Canadian_ ... itage_Site
by JMacDonald
Sat Feb 11, 2017 7:50 pm
Forum: Investing - Theory, News & General
Topic: Market timing success?
Replies: 25
Views: 3161

Re: Market timing success?

I found this article of a year ago about Stack: http://www.kiplinger.com/article/investing/T038-C008-S003-jim-stack-on-stocks-we-re-already-in-a-bear-market.html If it looks like one, talks like one and growls like one, it’s a bear market—and make no mistake, we’re in one, says market guru Jim Stack...
by JMacDonald
Fri Feb 10, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy phones?
Replies: 43
Views: 2856

Re: How do Bogleheads buy phones?

One strategy is to buy the absolute newest phone you can and keep it for as long as possible, which seems like the strategy you are currently employing. I would wait for the iPhone 8 in September if you can, it is only seven months away. It looks like that is going to be a big improvement over the ...
by JMacDonald
Thu Feb 02, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Grand Canyon in May. Booked already!
Replies: 29
Views: 2906

Re: Grand Canyon in May. Booked already!

I haven't done this, but this might be a possibility for your group: https://www.thetrain.com/
Take the train to the Grand Canyon.
by JMacDonald
Sun Jan 29, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 2649

Re: Fire extinguishers

One on every level, along route of egress. Big one in the garage/shop. We are 12 minutes from a firehouse. Good tip about turning up-side down. I just realized these things are 18 years old. Gauges all green -- but what if I squeeze the trigger and nothing happens? :?: As I understand it, you can't...
by JMacDonald
Sun Jan 29, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Hamilton Tickets
Replies: 7
Views: 1585

Re: Hamilton Tickets

Try Stubhub: https://www.stubhub.com/theater-tickets/category/174/
You can buy and sell tickets on this website. I have used it.
by JMacDonald
Sun Jan 29, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 2649

Re: Fire extinguishers

Besides one in my kitchen, I bought one for my truck. I watched a video on the news of a car on fire. Someone had a fire extinguisher and was able to put out the fire and save a person's life. That is worth the price of a fire extinguisher.
by JMacDonald
Sat Jan 21, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: London Hotel
Replies: 13
Views: 1309

Re: London Hotel

I stayed at The Thanet Hotel in London twice and would stay there again if I ever visit London again: https://www.tripadvisor.com/Hotel_Review-g186338-d214657-Reviews-Thanet_Hotel-London_England.html If you are traveling by yourself, the rooms are small, but who stays in the room when in London. Goo...
by JMacDonald
Thu Jan 19, 2017 9:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 113
Views: 11371

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/
by JMacDonald
Thu Jan 19, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: should I scrap my car after this accident
Replies: 23
Views: 1698

Re: should I scrap my car after this accident

Go shopping.

Be happy no one was hurt.
by JMacDonald
Sun Jan 15, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: 3 Vanguard Funds That Are Taking on Water
Replies: 29
Views: 5750

Re: 3 Vanguard Funds That Are Taking on Water

First he says: here are three Vanguard funds to sell now them in the fine print at the bottom: As of this writing, Kent Thune did not personally hold a position in any of the aforementioned securities. His No. 1 holding is his privately held investment advisory firm in Hilton Head Island, SC. Under ...
by JMacDonald
Fri Jan 13, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: 24 hour stop over at LHR, what all can I visit in London?
Replies: 31
Views: 1917

Re: 24 hour stop over at LHR, what all can I visit in London?

If you are still awake in the evening, go to a performing arts show: play, musical, ballet, concert, or the opera if any of those appeal to you. London is probably the greatest city in the world for the performing arts.
by JMacDonald
Mon Jan 09, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: [403(b) Fidelity or TIAA Cref allocation, and do I want one?]
Replies: 137
Views: 5574

Re: EJ not [costing me as much as] others?

When I brought my concerns up with my financial advisor (regarding fees and active/passively managed funds), he warned me that yes indices have been doing better in recent years, but that the EJ accounts do better in down years. This is a claim I asked to be backed up with data but he was not able ...
by JMacDonald
Mon Jan 09, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud -- Got charged $1.2k and a call from Citibank
Replies: 8
Views: 1011

Re: Credit Card Fraud -- Got charged $1.2k and a call from Citibank

I have had this happen several times. You might consider getting a second credit card. I was on a trip when my main card was accidentally canceled. I would have been in a fix without a second card. Also go online and set alerts for your Costco Card. Check you card often for any fraud use of your car...
by JMacDonald
Mon Jan 09, 2017 8:09 am
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 9605

Re: McDonald's Stock

I had a good chuckle reading this. McDonalds is a global multinational conglomeration, and the largest restaurant chain, it aint going anywhere. F150HD wrote: abuss368 wrote: Personally, I think McDs could disappear in 10-20 years (or have a severely diminished presence) Like Sears Sears was intent...
by JMacDonald
Thu Jan 05, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Where to in March?
Replies: 21
Views: 1988

Re: Where to in March?

Lot to do in Moab: http://www.moab-utah.com/

or Hawaii
by JMacDonald
Mon Jan 02, 2017 5:44 am
Forum: Personal Consumer Issues
Topic: Yellowstone Tours Vs. Self-Guided
Replies: 28
Views: 2428

Re: Yellowstone Tours Vs. Self-Guided

There is no reason not to do you own exploring along with taking a tour since you will be there for a week. Here is a list of possible tour guides: https://www.tripadvisor.com/Attractions ... oming.html
by JMacDonald
Thu Dec 29, 2016 4:49 pm
Forum: Personal Consumer Issues
Topic: Gift Card received in mail?
Replies: 3
Views: 533

Re: Gift Card received in mail?

There was a class action settlement against Kohl's. See this link: http://www.kohlssettlement.com/
Read the FAQs about the settlement.
by JMacDonald
Thu Dec 29, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: All your eggs in one basket vs. concern about being hacked?
Replies: 41
Views: 4715

Re: All your eggs in one basket vs. concern about being hacked?

I check all of my financial accounts on a regular basis. That way I will see if anything is not right.
Here is what Vanguard has about security:

https://investor.vanguard.com/security/
by JMacDonald
Sun Dec 25, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Is it possible to get a used book exchange going here?
Replies: 9
Views: 1080

Re: Is it possible to get a used book exchange going here?

Sell your books on Alibris: http://www.alibris.com/sellers

I buy a lot of used books on that website.
by JMacDonald
Sat Dec 24, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Las Vegas - should I do anything?
Replies: 34
Views: 3232

Re: Las Vegas - should I do anything?

I'd be reluctant to visit the Grand Canyon at this time of year due to winter weather. It is frequently snowy/icy in December and January. For example, there's a winter storm warning in effect right now with snow and ice predicted on the south rim roads. Yes, the south rim is open year-round, but i...

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