Search found 1937 matches

by JMacDonald
Thu Jun 22, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Amazon purchase
Replies: 5
Views: 560

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: 14
Views: 834

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: 93
Views: 8820

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 Fre...
by JMacDonald
Tue Jun 20, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 65
Views: 2479

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: 93
Views: 8820

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: 20
Views: 1198

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. https://www.nps.gov/yose/planyourvisit/mariposagrove.htm It w...
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: 20
Views: 1198

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: 242
Views: 24593

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

Cedar City, Utah: https://www.topretirements.com/reviews/utah/Cedar%20City.html Utah Shakespeare Festival during summer and fall: https://www.bard.org Neil Simon Festival in summer: http://simonfest.org Outdoor activities nearby: Cedar Breaks National Monument: https://www.nps.gov/cebr/index.htm Als...
by JMacDonald
Tue May 23, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: Why Invest in Average?
Replies: 34
Views: 3175

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. http://quotes.morningstar.com/chart/fund/chart.action?t=SPIAX&region=usa&culture=en-US Compared to Vanguard 500 Index Fund Admiral Class VFIAX. You only pay .04% ER wi...
by JMacDonald
Sun May 21, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Galapagos Trip, Suggestions
Replies: 17
Views: 1627

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/destination/galapagos-islands/cachalote-i/ Maybe they can help you with your plans. Here is a link to one of their trips you might want to do: http...
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: 2604

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: 2930

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: 5139

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: 2326

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: 2326

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: 1399

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: 1161

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: 740

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: 3093

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: 3639

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: 2392

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: 5180

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: 1999

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: 5903

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: 2744

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: 4460

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: 2152

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: 1956

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: 2957

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: 7085

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: 1076

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: 3640

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: 1753

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: 4310

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: 1770

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: 3251

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: 2984

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: 30
Views: 3433

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: 2745

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: 1625

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: 2745

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: 1412

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: 11730

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: 1769

Re: should I scrap my car after this accident

Go shopping.

Be happy no one was hurt.

Go to advanced search