Search found 116 matches

by vbdoug
Wed Sep 20, 2017 1:15 am
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 3898

Re: Costco vs sams club vs neither.

I have my Part D Medicare plan with Humana/Walmart so I go to Sam's for drugs. Recently they raised the price of one of my drugs and I now save that money because it forced me to purchase Sam's Plus store membership. Although I have friend that appreciate Sam's meats, in my opinion these warehouse s...
by vbdoug
Sun Sep 17, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 38
Views: 2841

Re: How long did it take for Equifax to email you a security sign up?

My "date" was last Tuesday and I filled out the form. Still no response re pin number, etc from Equifax. I wrote that last Friday. Yesterday I received the email and joined trustedid.com. However, I then received an error message advising me to call customer support. The line was busy. Twice. I call...
by vbdoug
Fri Sep 15, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 38
Views: 2841

Re: How long did it take for Equifax to email you a security sign up?

My "date" was last Tuesday and I filled out the form. Still no response re pin number, etc from Equifax. I have had a credit freeze for years and am not too concerned. On BH I read about Innovis and put a credit freeze on that also.
by vbdoug
Fri Sep 15, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Repair 2003 Honda Accord?
Replies: 26
Views: 1615

Re: Repair 2003 Honda Accord?

I have a 2001 EX-V6 with about 150k miles. The thing runs like a top. I put in a new timing belt 2 years ago and will probably keep it until it dies.
by vbdoug
Fri Sep 08, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Freeze Credit for free without police report
Replies: 26
Views: 2411

Re: Freeze Credit for free without police report

The second poster provided a link for Equifax security. I did not use it, but went to equifax.com and accessed it directly through them. It was the same web site as provided by the poster and totally legitimate, but it made me think. After all we hear about phishing and whatnot, how many people clic...
by vbdoug
Tue Aug 22, 2017 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Where to stash your emergency fund
Replies: 36
Views: 4065

Re: Where to stash your emergency fund

I use savings accounts at PurePoint that pays 1.30% and the American Airlines Federal Credit Union that pays 1.25%. I had some 60 month CDs with American that just matured but for an extra percentage point I prefer the convenience and accessibility of a saving account
by vbdoug
Tue Aug 22, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 76
Views: 6232

Re: How useful is a home security system?

Unread post by flyingaway » Tue Aug 15, 2017 8:22 am vbdoug wrote: ↑Mon Aug 14, 2017 11:36 pm Home security systems are kind of cool and actually very inexpensive. I use an old iPhone 5 and an app called "Presence". Totally free. It has a motion detector and sends me a video if there is any movement...
by vbdoug
Mon Aug 14, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 76
Views: 6232

Re: How useful is a home security system?

Home security systems are kind of cool and actually very inexpensive. I use an old iPhone 5 and an app called "Presence". Totally free. It has a motion detector and sends me a video if there is any movement. I live in a very secure environment but it's kind of fun to look at your place on your iPhone.
by vbdoug
Mon Aug 14, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 70
Views: 5998

Re: Where to buy glasses for eclipse viewing ?

I live in the South Bay area of Los Angeles. I checked with a library that was supposed to have them, Lowe's, Michaels, and about three other businesses. All were sold out. I believe there is one company selling them for $95. I gave up.
by vbdoug
Sun Aug 13, 2017 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Anyone moved to another state for lower cost of living?
Replies: 72
Views: 10804

Re: Anyone moved to another state for lower cost of living?

Re Phoenix:
It is currently 10:48 pm in Phoenix.
The current temperature is 98°
FWIW
by vbdoug
Sun Aug 13, 2017 12:39 am
Forum: Personal Consumer Issues
Topic: What the best identity theft co.?
Replies: 21
Views: 1406

Re: What the best identity theft co.?

+1 for a credit freeze. I have done it for a dozen years with minimal issues. Bur be sure to remember the PIN you get from the credit agency.
by vbdoug
Fri Aug 04, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 57
Views: 10723

Re: PurePoint 1.25% online savings $10K min

I noticed yesterday that the PurePoint rate is now 1.30%. I just called them and they confirmed I automatically received the higher rate. So far they have been very easy to deal with and it is convenient to have PurePoint linked to my Chase account. I will say that an earlier poster mentioned Dollar...
by vbdoug
Tue Jun 27, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 25788

Re: Capital One 360 $200 bonus

I called Capital One today for the $200 bonus. They said I did not qualify inasmuch as I had an account with IMG back in 2007. Oh well.
by vbdoug
Fri Jun 16, 2017 12:41 am
Forum: Personal Consumer Issues
Topic: Increasing iPad storage capacity
Replies: 14
Views: 1368

Re: Increasing iPad storage capacity

Both one of my iPhones and my iPad was so low on storage they could not even take a picture! Apple had me get rid of a lot of stuff; nothing worked. Do a full restore on your devices. I now have much storage available on by two 16 gb devices.
by vbdoug
Fri Apr 28, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Opus Bank
Replies: 13
Views: 2043

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: 41084

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: 22604

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: 2947

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: 2947

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: 1823

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: 2424

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: 13282

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: 2027

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: 4058

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: 1307

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: 1307

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: 4993

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: 797

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: 9527

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: 2129
Views: 370601

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: 2937
Views: 863396

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: 1978

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: 1978

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: 1978

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: 496

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: 1011

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: 16147

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: 21668

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: 12156

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: 16783

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: 11168

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: 3220

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: 29979

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: 1959

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: 1959

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: 2611

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: 1959

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: 2829

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: 1075

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: 1546

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...