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by JMacDonald
Sun Oct 22, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 18
Views: 1758

Re: Experian Dark Web scan

Here is what Alex took out of the article from an earlier conversation: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=228945&p=3557548#p3557548 from the article: Experian is here with a free scan of the dark Web on consumers’ behalf. All you have to do is enter your email address. The search ...
by JMacDonald
Sun Oct 22, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 18
Views: 1758

Re: Experian Dark Web scan

by JMacDonald
Wed Oct 18, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1240

Re: Is it worth applying for Credit Limit Increase?

If you only have one card, you might consider getting a second credit card. I was on a trip when my AE card was cancelled by mistake. I was happy that I had the second credit card. That will also serve the purpose of having a higher credit limit with the second card.
by JMacDonald
Fri Oct 13, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 59
Views: 4896

Re: Car Buying, Time to grow up.

If you like the Focus, then see what it would cost you with your Uncle's discount. Then you can compare the cost of other cars you consider.
by JMacDonald
Sun Oct 08, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 44
Views: 4489

Re: Betterment, $500k in cash, no taxable events to transfer?

Since I didn't know anything about Betterment, I decided to take look. I found this on their website: Our investment philosophy is backed by decades of research that comes to an important conclusion: Over the long term, a diversified portfolio of low-cost index funds is likely to outperform a high-c...
by JMacDonald
Sat Oct 07, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Medicare versus Medicare Advantage for 2018
Replies: 19
Views: 1869

Re: Medicare versus Medicare Advantage for 2018

As a physician, I would not recommend Medicare Advantage Medical care plans are confusing. However I am happy that I have the Kaiser Senior Advantage Plan. Before I retired I was with another medical plan, and it did not serve me well. After I moved to Kaiser, I am receiving much better care. Maybe...
by JMacDonald
Sat Oct 07, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1264

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

I bought an new cell phone from Best Buy and got a fraud alert from my credit card company. I called the credit card company about it. The credit card company was being cautious about unusual transactions on my card. I have had my credit frozen for years now. This had nothing to do with a credit fre...
by JMacDonald
Fri Oct 06, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3103

Re: Simple Notebook/laptop

I have both a MacBook Air and a Chromebook. I use the Chromebook when I travel so if something happens to it, I am not out a lot. However, if I had to chose between the two, I would go with my MacBook Air. I find it easier to use. Go to an Apple store, if there is one in your area and check one out.
by JMacDonald
Sat Sep 23, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47346

Re: Equifax customer information leak

Experian is trying to cash in on this leak:
LA Times: Credit agency Experian says it can protect you from the 'dark Web' — sort of
http://www.latimes.com/business/lazarus ... story.html
by JMacDonald
Sat Sep 23, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 2453

Re: Phone Techies .....

otinkyad wrote:
Sat Sep 23, 2017 3:09 am
Alas, the March refresh of the SE was modest, and could be the last.
Well, it is possible for an update on the SE: http://www.macworld.co.uk/news/iphone/n ... 7-3500611/
by JMacDonald
Fri Sep 22, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 2453

Re: Phone Techies .....

One way to go is with a refurbished iPhone: https://www.apple.com/shop/browse/home/ ... als/iphone
They are as good as new.
by JMacDonald
Tue Sep 19, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Where do mid-caps fit it?
Replies: 13
Views: 1270

Re: Where do mid-caps fit it?

Hi all, I have read many past posts that describe sample portfolios. For example, the Coffee House portfolio calls for the equity portion to be 25% large cap 25% large value 25% small cap 25% small value Large cap and small cap funds have mid caps mixed in but how I do I tell how much of each large...
by JMacDonald
Mon Sep 18, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Where to park $200K cash?
Replies: 27
Views: 3735

Re: Where to park $200K cash?

What are the goals for the money? Retirement, house, kids college, vegas trip? What timeline, and what other investments do you already have? All tax advantage accounts are fully invested I have no other investments. I dont need the money short or long term If you don't need it it doesn't matter wh...
by JMacDonald
Sat Sep 16, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20262

Re: Iphone X is $1000

I've never had a problem using them 2-3 years, but I would expect once you get to year 4-5 things start to get long in the tooth (don't keep my phones that long, so I don't know). My first iPhone was an iPhone 3G got it around 2009. It slowed down considerably so I upgraded to my current phone. My ...
by JMacDonald
Sun Sep 10, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Galapagos Trip, Suggestions
Replies: 23
Views: 2497

Re: Galapagos Trip, Suggestions

Anyone have suggested reading material to read as a pre-Galapagos trip book list? Would love to learn some more about the islands, culture or history of the area prior to visiting... Not a book, but a three hour blu-ray video: https://www.amazon.com/Galapagos-Blu-ray-Tilda-Swinton/dp/B000T28PWY/ref...
by JMacDonald
Sun Sep 10, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47346

Re: Equifax customer information leak

NYTimes: After Equifax Breach, Here’s Your Next Worry: Weak PINs https://www.nytimes.com/2017/09/10/your-money/identity-theft/equifax-breach-credit-freeze.html?module=WatchingPortal®ion=c-column-middle-span-region&pgType=Homepage&action=click&mediaId=thumb_square&state=standard&contentPlacement=1...
by JMacDonald
Sun Sep 10, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 53
Views: 7446

Re: Buy iPhone 7 or Wait for iPhone 8

Joeko wrote:
Sun Sep 10, 2017 8:52 am
Rumor has it the iPhone 8 will cost over 1K. When my IPhone 5 finally gives out, I will switch from an iPhone to a much cheaper phone.
There is no need to buy an iPhone 8. You can buy a refurbished 6s or a 7 for less when the 8 comes out.
https://www.apple.com/shop/browse/home/ ... als/iphone
by JMacDonald
Sat Sep 09, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47346

Re: Equifax customer information leak

OK, many of us have locked our credit with Equifax. All of our information has been compromised, even the pin to unlock the credit. I wonder if Equifax has a procedure in place to notify people if someone tries to unlock their credit. If Equifax does not have that in place, it needs to do it immedia...
by JMacDonald
Sat Sep 09, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47346

Re: Equifax customer information leak

Just curious, might be dumb question. If I want to freeze credit but have balance on a CC about to pay off can I or must I wait? The credit bureaus only collect information from your financial account. You can freeze your credit reports at any time. You will need to unfreeze them if you apply for c...
by JMacDonald
Sat Sep 09, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47346

Re: Equifax customer information leak

In this NY Times article, you can put any name and number and get an answer: https://www.nytimes.com/2017/09/08/your-money/identity-theft/equifaxs-instructions-are-confusing-heres-what-to-do-now.html?hp&action=click&pgtype=Homepage&clickSource=story-heading&module=first-column-region®ion=top-news...
by JMacDonald
Fri Sep 08, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47346

Re: Equifax customer information leak

Everyone talks about freezing files at the three major credit bureaus, which I've done, but apparently there is another bureau (Innovis) which I had not heard of until now. Can/should one also freeze files there? Do you want to limit access to your Innovis Credit Report? https://www.innovis.com/per...
by JMacDonald
Thu Sep 07, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 45
Views: 2962

Re: Places to see in Chicago

If you go to the Art Institute of Chicago: http://www.artic.edu
also visit the Palmer House for coffee or a drink: http://www.palmerhousehiltonhotel.com
it is down the street from the museum. The lobby is amazing.
by JMacDonald
Tue Sep 05, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: What to do with money you might want, but don't need within 5 years
Replies: 2
Views: 535

Re: What to do with money you might want, but don't need within 5 years

Be conservative, put it in the Vanguard LifeStrategy Income Fund (VASIX)
https://personal.vanguard.com/us/funds/ ... 0723#tab=0
Until you know what you want to do.
by JMacDonald
Tue Sep 05, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12848

Re: Florida Hurricanes: When and where to go?

I appreciate the suggestions. It looks like it makes sense to sit tight until 2 days out and then either drive/fly away. Can anyone comment on traffic conditions to Orlando 48 hours before a hurricane is projected to make landfall? Every single hurricane is different, so I would never go by what pe...
by JMacDonald
Sun Aug 20, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 3095

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: 15130

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: 15130

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: 59
Views: 8458

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: 3039

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: 37
Views: 3751

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: 1457

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: 15130

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: 15130

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: 15130

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: 15130

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: 15130

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: 15130

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: 1920

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: 5822

Re: GF Picking a college major

My niece who is not good at math went to American Career College to become a dental assistant: http://americancareercollege.edu 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 ca...
by JMacDonald
Mon Jul 24, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Treadmill Desk
Replies: 8
Views: 1011

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: 14841

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

Here is an article on Amazon pricing: http://www.latimes.com/business/la-fi-amazon-consumer-watchdog-20170706-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 ...
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: 15409

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: 1176

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: 1736

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: 3898

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: 12128

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: 67
Views: 3851

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: 12128

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