Search found 102 matches

by vbdoug
Fri Apr 28, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Opus Bank
Replies: 13
Views: 2001

Re: Opus Bank

Last month Opus Bank lowered their rate to 0.15%. I feel as though I had a good run. I opened up two 5 month CD's at a rate of 1.30% and a credit card last month at HSBC and hope to make about $600 from that. Not bad if you have the time.
by vbdoug
Thu Apr 20, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36643

Re: Larry Swedroe says "Goodby."

Larry, thank you for all your time and information. You will be greatly missed.
by vbdoug
Fri Mar 24, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 21537

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

Burger - Best Chain Fast Food Burger Joint?

Yes it is.
by vbdoug
Sun Feb 19, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: How do Taxes work with Mutual funds.
Replies: 38
Views: 2481

Re: How do Taxes work with Mutual funds.

If you are selling shares when writing checks,yes it is a taxable event,either a gain or loss.
Regarding your tax rate look at tables in link to see where you fit in.

Thank you
by vbdoug
Sun Feb 19, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do Taxes work with Mutual funds.
Replies: 38
Views: 2481

Re: How do Taxes work with Mutual funds.

Allow me to ask a corollary question. I can write checks off VFSUX {Vanguard Short-Term Investment-Grade Fund Admiral Shares} that I have held more than a year in my brokerage account. When I write these checks is this considered a taxable event and, if so, am I taxed at the 15% rate?
by vbdoug
Sun Feb 12, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Costco refill HP color inkjet cartridges?
Replies: 19
Views: 1533

Re: Costco refill HP color inkjet cartridges?

MoonOrb wrote:We've been using Costco's service to refill HP inkjet cartridges for our home printers for years and have zero problems. It's a heck of a lot cheaper.


+1
by vbdoug
Sun Feb 12, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: iPhone SE 16GB - is memory adequate?
Replies: 44
Views: 2152

Re: iPhone SE 16GB - is memory adequate?

I have a 16gb iPhone and iPad that were so low on storage I could not take a picture! I worked with the Apple help line and did all kinds of stuff to get more space. Nothing worked, until I did a full restore on each device. That allowed me 4gb space available on each device, more than I will need. ...
by vbdoug
Tue Jan 17, 2017 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 12470

Re: Get $250 from Wells Fargo

I applied for the WF deal last Friday and opened a checking account. Because I have a small mortgage with WF {for my purposes, a reverse bond} the direct deposit was not required. I received a temporary debit card from them and to cover my ten required transactions I added $1200 to the checking acco...
by vbdoug
Mon Jan 16, 2017 11:31 pm
Forum: Investing - Theory, News & General
Topic: Selling Old Coins?
Replies: 20
Views: 1837

Re: Selling Old Coins?

I received an inheritance of a large amount of highly rated PCGS rated silver and gold coins. I did some selling on eBay, and now am a "professional seller" on Amazon under the name of "Guaranteed "Old Rattler" Coins". I am retired with a fair amount of time and look up...
by vbdoug
Tue Nov 15, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: AppleCare on MacBook Pro?
Replies: 40
Views: 3520

Re: AppleCare on MacBook Pro?

Absolutely yes.
by vbdoug
Fri Oct 07, 2016 12:00 am
Forum: Investing - Theory, News & General
Topic: Precious Metals and the Fed
Replies: 8
Views: 1278

Re: Precious Metals and the Fed

Thanks to all for your thoughts and knowledgeable responses. OP
by vbdoug
Wed Oct 05, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: Precious Metals and the Fed
Replies: 8
Views: 1278

Precious Metals and the Fed

In the WSJ today someone stated that the drop in precious metals yesterday was just a tiny hint as to what will happen later when the Fed increases interest rates. I understand that higher rates may affect long term bonds greatly as well as the general stock market as well as commodities. Still, I w...
by vbdoug
Thu Sep 08, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Selling silver dollars
Replies: 35
Views: 4796

Re: Selling silver dollars

I have a great amount of bulk silver, most of it in two safety deposit boxes. Silver is still way down from its previous worth and I am holding it as an investment. I would probably be better off selling it and purchasing a silver ETF if I wanted to maintain that asset allocation. If I were to sell ...
by vbdoug
Sat Sep 03, 2016 1:14 am
Forum: Personal Consumer Issues
Topic: Magazines on an IPad?
Replies: 5
Views: 761

Re: Magazines on an IPad?

I did this today. I had heard that some libraries allowed you to read the WSJ on an iPad {at home}. To make a very long story short, I downloaded apps "Nook" and "Overdrive" and accessed the WSJ on my iPad today utilizing the Los Angeles City Library.
by vbdoug
Fri Sep 02, 2016 6:09 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 8731

Re: Frustrated Losing Weight!

Every morning I have a variation of 2 eggs, a little bacon, spinach, portobello mushrooms, processed guacamole and cheese. Before I have that breakfast I swim more than half a mile. I follow up with some more exercise and a modified Atkin's diet. For best results you must make a healthy lifestyle yo...
by vbdoug
Thu Aug 25, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1631
Views: 250780

Re: What's Your Credit Card Rewards Strategy?

Besides my Costco card, I have a 2% Fidelity card that I use for all auto-pays and that card never leaves the house. I have a 2% Priceline for everything else. Simple, easy and no hoops to jump through.
by vbdoug
Sun Jul 31, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2685
Views: 734433

Re: What Movie Have You Recently Watched?

"The Ten Scariest Short Films Ever Created" on YouTube. Time: 15 minutes
by vbdoug
Tue Jul 05, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: WSJ subscriptions through eBay
Replies: 11
Views: 1890

Re: WSJ subscriptions through eBay

Thanks to all that responded to my question. It was nice while it lasted. My subscription terminates in a few months and I will check the market then.
by vbdoug
Fri Jul 01, 2016 8:34 pm
Forum: Personal Consumer Issues
Topic: WSJ subscriptions through eBay
Replies: 11
Views: 1890

Re: WSJ subscriptions through eBay

Nobody?
by vbdoug
Tue Jun 28, 2016 11:09 pm
Forum: Personal Consumer Issues
Topic: WSJ subscriptions through eBay
Replies: 11
Views: 1890

WSJ subscriptions through eBay

I have happily and economically been purchasing subscriptions to the WSJ on eBay for the last few years. I just checked eBay and no one is selling them. Six months ago there were scores of offers. Does anyone know what happened?
by vbdoug
Sat Apr 30, 2016 2:18 pm
Forum: Investing - Theory, News & General
Topic: Employment
Replies: 3
Views: 485

Employment

Up to a year ago I frequently read that in the USA "there are fewer people working full-time now then in 2007". Is that still true?
by vbdoug
Thu Mar 24, 2016 1:04 am
Forum: Investing - Help with Personal Investments
Topic: Are you changing your asset allocation?
Replies: 9
Views: 960

Are you changing your asset allocation?

I am currently 50% bonds and commodities. 40% stock and 10% cash. I am thinking of reducing my stock exposure to 30%. My reason? I am concerned that the next president of the USA might be disastrous for the stock market. In fact, I think it is likely. Is anyone else considering reducing their exposu...
by vbdoug
Thu Mar 24, 2016 12:56 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 118
Views: 14778

Re: Best DNA genealogy testing kits

I went to groupon.com last month and got a price of $69 for an AncestrybyDNA test. That deal may no longer exist. I received the "swab" test and sent it in on 9Mar but have not received the results as yet. BTW, my local library offers free access to ancestry.com. I have traced some ancesto...
by vbdoug
Thu Feb 18, 2016 1:21 am
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 20645

Re: What video games are you currently playing?

Spades, Backgammon and FlightControl on my IOS devices. And Flight Simulator on my MacBook. To play, go to Google Earth and under "Tools" click Flight Simulator and choose the SR22. The Boglehead way to fly over Los Angeles.
by vbdoug
Thu Jan 21, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Home Safe vs Safety Deposit Box
Replies: 54
Views: 11163

Re: Home Safe vs Safety Deposit Box

Just how safe are bank safe deposit boxes? I use one and a lot of bank employees see my take stuff in and out. How safe are bank safety deposit boxes?
by vbdoug
Mon Nov 02, 2015 1:31 am
Forum: Personal Finance (Not Investing)
Topic: Chase $300 bonus for opening account
Replies: 64
Views: 14791

Re: Chase $300 bonus for opening account

Just recently I closed a Chase account {of six months duration} that I opened with a 15K deposit. The bulk of the money I pulled out as soon as it was allowed and left $500 in to fit through their hoops. Made $300 for a couple of hours time. Again, that works for me.
by vbdoug
Mon Nov 02, 2015 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 10761

Re: Fidelity 2% Amex: Security Annoyances

I have two 2% cards. I use Priceline/Barkleycard for everyday and Fidelity only for automatic monthly payments. The card never leaves my house and is not used for any other purpose. That works for me.
by vbdoug
Sun Oct 04, 2015 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to security freeze your credit?
Replies: 25
Views: 3010

Re: How to security freeze your credit?

Unless you are in frequent need of requesting credit a credit freeze is a great idea. I have had them for about ten years. One suggestion: make sure you safeguard the pin number that you receive from the credit agency. I learned that lesson the hard way.
by vbdoug
Fri Oct 02, 2015 4:18 pm
Forum: Personal Consumer Issues
Topic: Name your top favorite tv shows
Replies: 188
Views: 29418

Re: Name your top favorite tv shows

1. The Big Bang
2. Modern Family
3. Two and a Half Men {Before Ashton}
by vbdoug
Fri Sep 18, 2015 1:05 pm
Forum: Investing - Theory, News & General
Topic: Gold and EBay
Replies: 21
Views: 1927

Re: Gold and EBay

Re my limited experience utilizing the Valet service of eBay: "A coin dealer charging a 20% premium for shipping wouldnt be doing much business I think... Thats over $200/gold eagle at current prices." I am selling PCGS coins, not simple gold coins. The 20% is the total eBay fee. It would ...
by vbdoug
Fri Sep 18, 2015 7:44 am
Forum: Investing - Theory, News & General
Topic: Gold and EBay
Replies: 21
Views: 1927

Re: Gold and EBay

I assume EBay would authenticate the coins in the PCGS holders. Plus, they take the pictures and can confirm that they were sent to the purchaser. It then becomes not my word against the buyer; it's his word against eBay's. They act as my agent, and I do not think they will pay out for returned coun...
by vbdoug
Fri Sep 18, 2015 1:19 am
Forum: Personal Consumer Issues
Topic: Corelle Dinnerware, anyone?
Replies: 22
Views: 2497

Re: Corelle Dinnerware, anyone?

I inherited Corelle from my late step-mother. She had it for ten years and I have had it for 7 years. Everything has been perfect.
by vbdoug
Fri Sep 18, 2015 1:17 am
Forum: Investing - Theory, News & General
Topic: Gold and EBay
Replies: 21
Views: 1927

Re: Gold and EBay

I am kind of on the other side of this arrangement. As a holder and neophyte seller of large amounts of silver and gold coins, my concern was a buyer that would claim "he sent me an empty box". There is a way around this. eBay offers a Valet service: they take 20% of the sale on items over...
by vbdoug
Sun Jul 19, 2015 11:05 pm
Forum: Personal Consumer Issues
Topic: Costco Prescription Glasses
Replies: 17
Views: 2513

Re: Costco Prescription Glasses

Two months ago I went to Costco for a test and prescription for new glasses. I was told I had a cataract in my right eye but it was too soon to have the surgery. A month later I received my newly purchased both clear and dark glasses from Costco. With both new glasses the right eye was not very clea...
by vbdoug
Thu Jul 02, 2015 11:06 pm
Forum: Investing - Theory, News & General
Topic: Foreign bond funds
Replies: 6
Views: 1059

Re: Foreign bond funds

This new bond fund: are you referring to BNDX, VTIBX, or something else? I have held PFUIX in my retirement account and {because of the ER} felt this might be a better fund.
by vbdoug
Wed Jun 10, 2015 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: California Homeowners’ Property Tax Exemption
Replies: 8
Views: 1479

Re: California Homeowners’ Property Tax Exemption

I am quoting this from another source: "One possible problem is if you have a homeowner's exemption on your property taxes. This may be disallowed if the property in the name of a trust. You would need to check with your local taxing authority". My property is in my personal trust and I wi...
by vbdoug
Wed Jun 10, 2015 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: California Homeowners’ Property Tax Exemption
Replies: 8
Views: 1479

California Homeowners’ Property Tax Exemption

i have owned a condominium in the Palos Verdes district of California since 1979 and only heard of this exemption today. Those that qualify {and not all will} may receive a savings of about $70 dollars a year on their property tax. Application is free. Does anyone have any experience with this deduc...
by vbdoug
Tue Mar 24, 2015 2:32 pm
Forum: Personal Consumer Issues
Topic: Costco optical
Replies: 30
Views: 18706

Re: Costco optical

I have used Costco optical for 12 years and am very satisfied with their quality of their services as well as their prices.
by vbdoug
Mon Mar 09, 2015 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting a Medigap Policy with 28 Choices
Replies: 42
Views: 4753

Re: Selecting a Medigap Policy with 28 Choices

I will be 65 next month and was purposefully unaware of the intricacies of Medicare until just a few months ago. I chose Plan A, B, D and F-HiD. From what I understand price is the prime criteria for picking Plan D and F-HiD. The monthly rate for Plan B is fixed at $104.90, Plan D with Humana-Walmar...
by vbdoug
Fri Mar 06, 2015 1:07 am
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 57632

Re: What are Costco's best deals?

Last week I purchased a pair of Kirkwood dark glasses for $26.49. I purchased a second pair today. Good value
by vbdoug
Fri Mar 06, 2015 12:37 am
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 7048

Re: Mac reliability?

Mac's are more reliable because fewer viruses are written for them. I went to Apple ten years ago and have gone from an iMac to a MacBook, two iPads and four iPhones {I sold the old iPhones on eBay}. If I have an Apple product that is not under warranty I simply make an appointment with the Apple st...
by vbdoug
Mon Mar 02, 2015 6:50 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 57632

Re: What are Costco's best deals?

I am a huge fan of Costco. I went there today. Later I went to a discount store and found two items that I had purchased at Costco cost 50% more at the "discount" store. Costco has quality goods.There is a Sam's Club within a hundred yards of the Costco I go to. Costco has more people wait...
by vbdoug
Thu Jan 29, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting a Medigap Policy with 28 Choices
Replies: 42
Views: 4753

Re: Selecting a Medigap Policy with 28 Choices

I was given the name of 11 companies from Medicare that offer Plan F High Deductible coverage. Three of those were duplicate companies and two did not currently offer Plan F High Deductible. Of the six I received an offer of a call back from two and did receive quotes from four. Three were in the $6...
by vbdoug
Wed Jan 28, 2015 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Opus Bank
Replies: 13
Views: 2001

Re: Opus Bank

Opus bank just lowered their rate to 0.89%. They are a bricks and mortar bank in Los Angeles. I am still happy but curious if anyone knows of any "physical" bank that pays a higher rate.
by vbdoug
Wed Jan 28, 2015 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting a Medigap Policy with 28 Choices
Replies: 42
Views: 4753

Re: Selecting a Medigap Policy with 28 Choices

This is an old thread but the poster asks a question that is very relevant to me now: What is the best way to compare Medigap policies? I am most concerned with price for a high deductible Part F in the city of Los Angeles. The author's primary conclusions {based on the responses} are that one can g...
by vbdoug
Tue Nov 18, 2014 11:36 pm
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 7120

Re: Apple Stores - do they try to be awful?

vbdoug wrote: I am "all Apple" with an old iMac, an iPad and a couple of iPhones. The Genius bar has helped me many times without cost for products that are well out of warranty. I do wish to say that today a friend of mine went to the Apple store in Manhattan Beach. He saw a very long lin...
by vbdoug
Tue Nov 18, 2014 9:13 pm
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 7120

Re: Apple Stores - do they try to be awful?

I am "all Apple" with an old iMac, an iPad and a couple of iPhones. The Genius bar has helped me many times without cost for products that are well out of warranty. I do wish to say that today a friend of mine went to the Apple store in Manhattan Beach. He saw a very long line and went to ...
by vbdoug
Tue Sep 23, 2014 3:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2314
Views: 690118

Re: What Book Are You Currently Reading? Part VI

Of Rats and Men by John L Smith.

An excellent biography about mob lawyer and former Las Vegas Mayor Oscar Goodman.
by vbdoug
Mon Jul 21, 2014 5:41 pm
Forum: Personal Consumer Issues
Topic: Best Method to Sell a U.S. Coin Collection
Replies: 13
Views: 2536

Re: Best Method to Sell a U.S. Coin Collection

I spoke to a PayPal rep some weeks ago concerning what would happen if the buyer claimed "empty box". She told me that if the amount of purchase was more than $1,000 PayPal would insist on a police report from the purchaser. Obviously a fraudulent buyer could do so anyway but it might serv...
by vbdoug
Tue Jul 01, 2014 11:25 pm
Forum: Personal Consumer Issues
Topic: Best Method to Sell a U.S. Coin Collection
Replies: 13
Views: 2536

Re: Best Method to Sell a U.S. Coin Collection

Some years ago the folks at CNI advised against selling PCGS coins on eBay and I mentioned those concerns in an earlier post. Contrary to what I said, you CAN have some restrictions on prospective buyers; although perhaps not as many as one would wish. I have monitored a few eBay auctions the last t...

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