Search found 1798 matches

by JMacDonald
Wed Apr 27, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: Trip to Southern California next week - things to do?
Replies: 19
Views: 1185

Re: Trip to Southern California next week - things to do?

Here are some places to consider: The Huntington http://www.huntington.org Deccanso Gardens https://www.descansogardens.org Aquarium of the Pacific http://www.aquariumofpacific.org Disney Hall and The Broad Museum almost next door to each other https://en.wikipedia.org/wiki/Walt_Disney_Concert_Hall ...
by JMacDonald
Mon Apr 25, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Just pay or get Tax Lawyer
Replies: 13
Views: 1216

Re: Just pay or get Tax Lawyer

Some years ago, I was sent a letter from the IRS that they wanted 15K. That was a shock. I went to a CPA. In the final outcome, I paid 5K. It was a complicated tax situation. I would imagine you could get a CPA to look at it for not a lot to see if you do owe 6K.
by JMacDonald
Sat Apr 23, 2016 3:52 pm
Forum: Investing - Theory, News & General
Topic: Determine risk tolerance
Replies: 19
Views: 1097

Re: Determine risk tolerance

I like this way of trying to determine one's risk tolerance: http://www.kevinoninvesting.com/2010/04 ... rance.html
by JMacDonald
Sat Apr 23, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: How do you avoid bad market timing for lump sum investments?
Replies: 23
Views: 1975

Re: How do you avoid bad market timing for lump sum investments?

It seems to me that if I do just a single large purchase, at an unlucky moment Well, an unlucky moment was September, 2008, when the last big crash occurred. See this Morningstar chart for the Vanguard Total Stock Market Fund to see how you would have done if you had invested that month. http://quo...
by JMacDonald
Thu Apr 21, 2016 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard versus David Swenson
Replies: 28
Views: 3413

Re: Vanguard versus David Swenson

mjb2020 wrote:I have been paying a fair amount of taxes on such investments.
You are doing very well, however, it wouldn't hurt to consider a way to save on taxes.
by JMacDonald
Tue Apr 19, 2016 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Struggling with Bogle Philosophy
Replies: 18
Views: 2269

Re: Struggling with Bogle Philosophy

Others will have their say, but on the Fidelity page for that fund: https://fundresearch.fidelity.com/mutual-funds/summary/316390731 The performance data featured represents past performance, which is no guarantee of future results If you buy in now, you will be buying at high price: will it continu...
by JMacDonald
Tue Apr 19, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help, received tax refund check before filing tax returns
Replies: 10
Views: 909

Re: Need Help, received tax refund check before filing tax returns

Possibly a scammer filed a return requesting a direct deposit, but there was a problem with that so the IRS switched to a check. Earl Thats what IRS confirmed. Someone used our id and address and tried direct deposit, but the bank rejected. so the IRS sent it to the address used for filing You shou...
by JMacDonald
Tue Apr 19, 2016 12:22 pm
Forum: Investing - Theory, News & General
Topic: What is "wrong" with having more funds in a portfolio?
Replies: 70
Views: 3460

Re: What is "wrong" with having more funds in a portfolio?

7006 wrote:I recently started a taxable portfolio

I can't imagine trying to do all the paperwork for taxes on gains, loses, and dividends for 24 funds. If these funds were in a tax-deferred account, then it would be easier to rebalance. Not so much in a taxable account.
by JMacDonald
Sun Apr 17, 2016 10:26 pm
Forum: Forum Issues and Administration
Topic: How about a buy/sell (personal goods) forum?
Replies: 27
Views: 2036

Re: How about a buy/sell (personal goods) forum?

Swampy wrote:
jay22 wrote:I edited the title to remove any confusion.


Craigslist.

As someone who has sold several electronic items on Craigslist, i can recommend it.
by JMacDonald
Sat Apr 16, 2016 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Now i get it - mortgage payoff
Replies: 35
Views: 5004

Re: Now i get it - mortgage payoff

I paid off my mortgage several years ago with a good chunk of change. I figured that using the money way was less risky than letting it stay in the market. Now I could go and take out a home equity loan, invest the money, and get a tax deduction. However, I doubt if anyone would recommend doing that.
by JMacDonald
Fri Apr 15, 2016 6:23 pm
Forum: Investing - Theory, News & General
Topic: Fidelity's "Enhanced" Index Funds, almost ten years later
Replies: 23
Views: 2412

Re: Fidelity's "Enhanced" Index Funds, almost ten years later

...Classic doughnut vs bagel!... True story. In first grade when I was learning to read, we were given a sheet with an exercise consisting of pictures of things. We were supposed to write the first letter of the name of the thing. D for dog, etc. Now, I was pretty good at that sort of thing and I e...
by JMacDonald
Fri Apr 15, 2016 6:16 pm
Forum: Personal Consumer Issues
Topic: Stub Hub High Fees - WOW
Replies: 29
Views: 2830

Re: Stub Hub High Fees - WOW

I decided after checking out prices for different sporting events, I was better off watching the event on TV.
by JMacDonald
Fri Apr 15, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 4310

Re: If wall street is rigged and corrupt , why invest in it?

There are probably many factors that went into the crash of 2008, but people could have been more careful if they had done due diligence when investing their money. Mabel Yu did just that during that period of time and saved Vanguard from investing in those so called "AAA" bonds. http://ww...
by JMacDonald
Mon Apr 04, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Filtered Water?
Replies: 27
Views: 1506

Re: Filtered Water?

If you own your residence, then I would recommend installing an Everpure water filtration system: http://residential.everpure.com/en-US/
by JMacDonald
Mon Apr 04, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Non-traditional routes to teacher certification
Replies: 28
Views: 1787

Re: Non-traditional routes to teacher certification

If your son has a four year degree, then the normal one year teacher certification should be enough. One thing, since there may be shortage of science teachers, there may be a way for him to get an emergency teaching credential to teach while getting certification. He should go to the local school d...
by JMacDonald
Sun Apr 03, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Father wants me to invest 15,000 for him.....
Replies: 23
Views: 2297

Re: Father wants me to invest 15,000 for him.....

When will he need this money? That should determine the appropriate investment.
by JMacDonald
Tue Mar 29, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 69
Views: 16508

Re: Liking the new Citi CC at Costco

I received information today in the mail from Citi about the new Costco credit card. The new Citi Costco card will start on June 20th. Look for your letter in the mail.
by JMacDonald
Tue Mar 29, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Reducing Verizon Cable bill?
Replies: 17
Views: 1253

Re: Reducing Verizon Cable bill?

Call Verizon and ask about what you want.
Verizon offers local channels and has HBO and Showtime as premium channels.
The problem is the way these cable companies bundle their services is that you may not end up saving much unless you just drop Verizon completely.
by JMacDonald
Sun Mar 27, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5242

Re: Europe Trip in August

Unfortunately I am going to London and staying right in the center of the city, near the British Museum. I didn't realize when I bought tickets that the hotel is just a few blocks away from where some of the 7-7 bombings happened. I have stayed in London twice near the British Museum at the Thanet ...
by JMacDonald
Mon Mar 21, 2016 8:58 am
Forum: Investing - Theory, News & General
Topic: Current world economic conjuncture and possibility of a big crisis
Replies: 20
Views: 1778

Re: Current world economic conjuncture and possibility of a big crisis

Now Harry has found his second important cycle in sun spots. “I researched back two centuries, where I have good data on stock crashes and recessions… and I found an unbelievable correlation. Almost every major crash or downturn occurred in the downside of the sunspot cycle, which tends to be up fo...
by JMacDonald
Sun Mar 20, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Trip to Yellowstone / Grand Teton area.
Replies: 27
Views: 2130

Re: Trip to Yellowstone / Grand Teton area.

There are several campgrounds in Yellowstone that you don't need reservations: http://www.nps.gov/yell/planyourvisit/campgrounds.htm Also Grand Tetons has campgrounds that you don't need reservations: http://www.nps.gov/grte/planyourvisit/camping.htm Be aware that driving distances will make it diff...
by JMacDonald
Fri Mar 18, 2016 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should I proactively freeze my credit?
Replies: 18
Views: 1219

Re: Should I proactively freeze my credit?

Some car dealers want to do a credit pull even if you are paying cash (again not clear what they will do if you start walking out when they insist on doing a pull). I have read that dealers want to do that so they can offer you financing. I will refuse to give my SSN the next time I buy a car with ...
by JMacDonald
Thu Mar 17, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth to pay for credit monitoring?
Replies: 10
Views: 879

Re: Is it worth to pay for credit monitoring?

I locked my credit with the three credit bureaus. I also get my credit reports once a year and monitor my financial account. I don't think Lifelock or some other company can do more to protect me so why pay for it?
by JMacDonald
Sat Mar 12, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 57
Views: 16279

Re: Costco and AMEX

Costco has very narrow profit margins, much of the profit reportedly coming from those same membership fees. If you take a look at Costco's financial statements, you'll find that the revenue from membership fees is very close to the reported pretax profits number each year. That implies that if the...
by JMacDonald
Thu Mar 10, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: FICO Score??
Replies: 58
Views: 4182

Re: FICO Score??

All is sorted! The Credit Union came through for me, as more consistent with my previous experiences with them. The discrepancy, I guess, had been regarding the credit limit. My journey into the exciting world of consumer lending has thus officially begun! Hurrah! (I guess.) Come back to this conve...
by JMacDonald
Mon Mar 07, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Bread - The Cost and Convenience
Replies: 94
Views: 8725

Re: Bread - The Cost and Convenience

Here are some "8 Impossible-to-Botch Breads"
http://www.huffingtonpost.com/jennifer- ... 73942.html
by JMacDonald
Mon Mar 07, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: FICO Score??
Replies: 58
Views: 4182

Re: FICO Score??

Your situation is easy to fix. Go to your credit union or bank and get a credit card, use it, pay off the balance each month. Also take out a small personal loan, maybe $1000, pay it off over one year. That will show that you have the discipline to handle credit. The interest on that loan will be a ...
by JMacDonald
Sun Feb 28, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: CCTV / Home Security Options (Neighbor got burglarized)
Replies: 28
Views: 2150

Re: CCTV / Home Security Options (Neighbor got burglarized)

I would consider taking steps to harden your home first no matter what else you decide to do: for example, double cylinder deadbolts, strike plates, motion detector lights, locks on windows and maybe replacing glass doors. Your local police department may have a program that someone will come out to...
by JMacDonald
Wed Feb 24, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Give Realtor one year Contract?
Replies: 21
Views: 1894

Re: Give Realtor one year Contract?

When I tried to sell some land years ago, it didn't sell during the six month contract. I found out later to my surprise that the realtor still could claim a fee if I sold it to anyone who had seen the property during those first six months. I had to wait another six months before I could sell it. S...
by JMacDonald
Tue Feb 23, 2016 8:36 am
Forum: Investing - Theory, News & General
Topic: Managed accounts beat DIY investor
Replies: 33
Views: 2853

Re: Managed accounts beat DIY investor

gvsucavie03 wrote:Today I met with our new Valic rep who sells 403(b) accounts.

I wouldn't even give a Valic rep the time of day. I remember those guys from my 403(b) days.
by JMacDonald
Mon Feb 22, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Do I need an awesome smartphone?
Replies: 73
Views: 4541

Re: Do I need an awesome smartphone?

... I currently have a low-end smartphone (a Motorola Moto G) and it seems to handle my needs pretty well -- the occasional phone call, texting, checking e-mail, checking news sites, etc. And I've got a relatively new iPod touch, which is good for those all-important cat pics and videos... By your ...
by JMacDonald
Sat Feb 20, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Trip to LA for 5 days
Replies: 30
Views: 1888

Re: Trip to LA for 5 days

Here is the water temperature average for Huntington Beach: http://www.surf-forecast.com/breaks/Hun ... ch/seatemp
by JMacDonald
Thu Feb 18, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Should I bother itemizing tax deductions?
Replies: 70
Views: 7230

Re: Should I bother itemizing tax deductions?

When I paid off my condo, I am no longer itemizing. Actually, I like it better. I don't have to keep all of those bits of paper to itemize anymore. Life is simpler.
by JMacDonald
Wed Feb 17, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: Trip to LA for 5 days
Replies: 30
Views: 1888

Re: Trip to LA for 5 days

A friend of mine when he use to take his young children to Disneyland would stay at the Disney Hotel so they could rest during the day when the kids wore out. That way they could go back in the evening for more. I agree that two days at Disneyland would be a good way to go if your pocketbook can han...
by JMacDonald
Sun Feb 07, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Flagship Investor with 700 credit score ?
Replies: 52
Views: 6923

Re: Flagship Investor with 700 credit score ?

I get my credit score from both Credit Karma and American Express. Both say I have a score of about 830. Tho one area I am dinged according to Credit Karma is that I don't have enough credit accounts open. I find that logic crazy. I am being prudent by not having debt, but my credit score would impr...
by JMacDonald
Sat Feb 06, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Sell truck and buy SUV?
Replies: 44
Views: 3147

Re: Sell truck and buy SUV?

larklea wrote:The Tundra rides well, but we don't find it that comfortable on long highway trips.

I am surprised to read that your Tundra is not comfortable on long trips. I have a 2013 GMC Sierra 1500. I find it a pleasure to drive on long trips. This summer I will be taking a couple of 2 to 3K trips in it.
by JMacDonald
Sat Jan 30, 2016 9:23 am
Forum: Investing - Help with Personal Investments
Topic: EJones Advisor wants to talk!
Replies: 84
Views: 6719

Re: EJones Advisor wants to talk!

Now I think you should have some compassion for your EJ advisor. After all if more people like you caught on that EJ has high fees, how is he or she going to be able to make the yacht payments. Check out this link about EJ: http://www.obliviousinvestor.com/edward ... ra-review/
by JMacDonald
Sat Jan 30, 2016 7:57 am
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 5227

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

I was trying to read through the decision posted by TIAX. Here is one item that caught my eye: e. Respondent has not registered or used the disputed domain names in bad faith. Respondent had no notice or knowledge of Complainant or its trademark when it registered the disputed domain names. Really, ...
by JMacDonald
Fri Jan 29, 2016 6:09 pm
Forum: Personal Consumer Issues
Topic: Rain, what rain?
Replies: 17
Views: 1520

Re: Rain, what rain?

Ask and you shall receive:
Fast-moving storm could dump heavy rain on Southern California

http://www.latimes.com/local/lanow/la-m ... story.html

Joe in Sunny California :D
by JMacDonald
Thu Jan 28, 2016 10:05 pm
Forum: Forum Issues and Administration
Topic: BOGLEHEADS.COM AND BOGLEHEADS.NET
Replies: 51
Views: 5227

Re: BOGLEHEADS.COM AND BOGLEHEADS.NET

Great work!
by JMacDonald
Thu Jan 28, 2016 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Best fund to buy for 23 year old roth IRA
Replies: 15
Views: 655

Re: Best fund to buy for 23 year old roth IRA

Anyone else have thoughts on if I would get more return on the VTSMX or 2060 target? I've looked up the returns on yahoo finance and looks like VTSMX has more gains. Here is where you need to understand what is in any fund you want to invest your money. The Total Stock Market is 100% US Market whil...
by JMacDonald
Thu Jan 28, 2016 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Best fund to buy for 23 year old roth IRA
Replies: 15
Views: 655

Re: Best fund to buy for 23 year old roth IRA

Personally, I think that for you to have 22K in a Roth is a good start. The Vanguard Target Retirement 2060 is as good a place as any for your age at 23. It is diversified and 90% stock. You can change it later without a taxable event if you want. Read this article about risk tolerance: http://www.k...
by JMacDonald
Thu Jan 28, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 4729

Re: Which news source do you use?

I start each day looking a local newspaper, then national newspapers, and even international newspapers. If a newsworthy event is happing somewhere, I will go to a local newspaper to get more information on that event. Just like one's portfolio, diversify.
by JMacDonald
Wed Jan 27, 2016 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Mazda CX-3, Honda HR-V, Subaru Crosstrek (or Honda Civic)?
Replies: 28
Views: 2498

Re: 2016 Mazda CX-3, Honda HR-V, Subaru Crosstrek (or Honda Civic)?

Agree that watching the CHP officer wave you through the chain control checkpoint is near priceless (provided you have 4WD/AWD.) Typically in California if things get bad enough to require chains on AWD cars they close the road for a while. But all vehicles, including 4WD, are still required to car...
by JMacDonald
Wed Jan 27, 2016 7:01 am
Forum: Personal Consumer Issues
Topic: Car Loan Paid Off, Where is my Title?
Replies: 21
Views: 2280

Re: Car Loan Paid Off, Where is my Title?

It has been while since I took out a loan for a vehicle so I don't remember how long it took, but three weeks is probably too short a time for you to get your "pink slip." Here is an how the process works from this credit union: https://www.fuzeqna.com/orangecountys/ext/kb1512-loan-auto-pa...
by JMacDonald
Tue Jan 26, 2016 11:27 am
Forum: Personal Consumer Issues
Topic: I think MacBook Air has a "bug"
Replies: 32
Views: 2290

Re: I think MacBook Air has a "bug"

Recently, I was having a problem with trying to read certain newspapers online on my MacBook Air. There was no end of pop-up ads and banners. I was getting that little spinning wheel, and the page I wanted wouldn't load. I finally went to Safari Extensions and downloaded the ad blocker. Problem solv...
by JMacDonald
Mon Jan 25, 2016 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Mazda CX-3, Honda HR-V, Subaru Crosstrek (or Honda Civic)?
Replies: 28
Views: 2498

Re: 2016 Mazda CX-3, Honda HR-V, Subaru Crosstrek (or Honda Civic)?

I drive up to the Sierra's often and have a 4x4 vehicle. I carry chains in my vehicle in the chance that I may need them. I would not consider driving in the Sierra's without them. An AWD Subaru has a good reputation for driving in snow: https://www.youtube.com/watch?v=PMZWkNTpNtM
by JMacDonald
Sun Jan 24, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3504

Re: What 55" TV to Buy

Leesbro63 wrote:I'm in Pittsburgh. Football is OVER :annoyed .Not there yet but I did get out yesterday and think am leaning towards the Samsung curved

Here is a review of Samsung curved: http://www.cnet.com/news/trouble-with-t ... urved-tvs/

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