Search found 2012 matches

by JMacDonald
Wed Dec 06, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10943

Re: Do people still use AAA?

I have the AAA Premier, and it is worth every penny. I have used the service many times over the years. A couple years ago, I had to be towed from Zion NP to Cedar City. My Premier card allowed me to go where I wanted without any extra cost. As it turned out some little critter ate some wires under ...
by JMacDonald
Fri Dec 01, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Water filtration system - worth it?
Replies: 17
Views: 1088

Re: Water filtration system - worth it?

I have an Everpure water system. It works well.
http://residential.everpure.com
by JMacDonald
Sun Nov 26, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3231

Re: The annoying insistence on frivolous credit checks/pulls

I have had my credit locked for years now even before the Equifax mess. I recently wanted to switch from AT&T to T-Mobile. I ran into that issue of having my credit checked. Since I was not buying a cell phone from T-Mobile, I thought this was a bit stupid. I passed until I became annoyed with AT&T ...
by JMacDonald
Thu Nov 23, 2017 5:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: A Thanksgiving to Remember: A Bit of Bogleheads History
Replies: 20
Views: 2128

Re: A Thanksgiving to Remember: A Bit of Bogleheads History

Mel (and Bogleheads): Thank you for posting your beautifully written Thanksgiving Story of our first Boglehead Reunion (now called "Conference") 18 years ago. Happy Thanksgiving! Taylor 18 years, how time flies. I joined the Diehard's site just before that dinner. I remember Jack's post. Jack had g...
by JMacDonald
Tue Nov 21, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5824

Re: Uber for someone who knows only taxis

I used Uber for the first time this year in Santa Fe. Figured it was cheaper and more convenient to use Uber for a week than to rent a car. Went pretty well - found out that they email you right after the ride for a tip. I tipped every time except: ONE BAD EXPERIENCE: This was a ride from the Santa...
by JMacDonald
Tue Nov 21, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5824

Re: Uber for someone who knows only taxis

OK, I have a question. I just downloaded both Uber and Lyft. How do you pay? Neither asked for my credit card. Did you log into the app yet? When you run the app it should ask you to register for an account at which point it will ask for a CC. It's been so long for me i can't remember exactly but i...
by JMacDonald
Tue Nov 21, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5824

Re: Uber for someone who knows only taxis

OK, I have a question. I just downloaded both Uber and Lyft. How do you pay? Neither asked for my credit card. When someone who hacked Uber's customer data installs ransomware on your computer they will ask for a credit card. Yea, the day I sign up is the day Uber gets hacked. Oh well, by this time...
by JMacDonald
Tue Nov 21, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5824

Re: Uber for someone who knows only taxis

OK, I have a question. I just downloaded both Uber and Lyft. How do you pay? Neither asked for my credit card. When someone who hacked Uber's customer data installs ransomware on your computer they will ask for a credit card. Yea, the day I sign up is the day Uber gets hacked. Oh well, by this time...
by JMacDonald
Tue Nov 21, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5824

Re: Uber for someone who knows only taxis

OK, I have a question. I just downloaded both Uber and Lyft. How do you pay? Neither asked for my credit card.
by JMacDonald
Fri Nov 17, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Under the sink water filter
Replies: 14
Views: 883

Re: Under the sink water filter

Cash wrote:
Fri Nov 17, 2017 7:39 pm
We got an Everpure under-sink chilled water system with a dedicated faucet during our reno. I love it. At first, I insisted on a refrigerator with a water filter, but was convinced that this was the better way to go.
I have been using Everpure for about 30 years. I think it works well.
by JMacDonald
Fri Nov 17, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 70
Views: 5148

Re: My dad's army jacket

One possibly is to have it framed and hung in your home with all the insignia and patches.
by JMacDonald
Mon Nov 13, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 94
Views: 5322

Re: POAs may not be that powerful

Well this is an interesting conversation. I am going to check my financial institutions to see what they accept in the case of need.
by JMacDonald
Mon Nov 13, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2275

Re: IPHONE 8, X

I went from a 6 to an 8. I don't need what the X offers. My 8 is working fine for my needs.
by JMacDonald
Sun Nov 12, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in work company preferred stock or total market fund
Replies: 1
Views: 202

Re: Invest in work company preferred stock or total market fund

I remember what happened to the employees of Enron that had invested in the company. They lost their jobs and their investment. It is something to consider.
by JMacDonald
Sat Nov 11, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11472

Re: Got an iPhoneX

Everyone talk for months about this phones, stay up at night to order It online, line up at the shop, spend $1000, end then....It's just a phone, it does not change your life....I really don't get it! Here is humorous look at how smart phones have change people's lives: http://ukrainianweek.com/Gal...
by JMacDonald
Wed Nov 08, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 5006

Re: what pickup truck

I would really like to have a Ford Raptor. However, I had to pass because, one, they are really expensive. Two, the gas mileage is terrible. I could have live with those two issues; but I need a standard bed, and the Raptor only comes in a short bed. :(
by JMacDonald
Wed Nov 08, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 5006

Re: what pickup truck

I don't know anything about those other trucks, but I have a 2017 GMC 4X4 Extended Cab Sierra standard bed. I am not one one of those unhappy with my truck. I think it is great.
by JMacDonald
Wed Nov 08, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Teaching an old dog some tricks
Replies: 14
Views: 1693

Re: Teaching an old dog some tricks

You may know nothing about investing, but you found the best place to get investing information:
viewtopic.php?f=10&t=231510&p=3603515#p3603515
Keep reading and asking questions.
by JMacDonald
Wed Nov 08, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: What is the story with the Apple iWatch Series 3?
Replies: 26
Views: 2009

Re: What is the story with the Apple iWatch Series 3?

I am getting the watch for my husband's birthday next month. He is an insulin dependent diabetic. The watch has the potential to be a huge lifestyle improvement for him. He uses a continuous glucose monitor that can link directly to the watch without having to go through his phone. So to check his ...
by JMacDonald
Sat Nov 04, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26598

Re: Iphone X is $1000

Once I understood the form factor difference between the 8 plus and the X the decision to buy the X was straightforward to me. Bigger better screen in a small form factor that more easily fits in my pocket. That is worth a couple hundred dollars to me. So I will wait for the frenzy to die down then...
by JMacDonald
Fri Nov 03, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11472

Re: Got an iPhoneX

When I looked at this link, the display of the X is larger than the 7 Plus:
https://www.apple.com/iphone/compare/

iPhone X: How to view your battery percentage:
https://www.cnet.com/how-to/iphone-x-ho ... ercentage/
by JMacDonald
Wed Nov 01, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help, RMD's, I am completely confused
Replies: 6
Views: 823

Re: Help, RMD's, I am completely confused

Here is the page I use to make my RMD: https://personal.vanguard.com/us/insigh ... r-rmd-tool

I kept it simple and took my first RMD in the year I turned 70.
by JMacDonald
Sun Oct 29, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3353

Re: European Tours

I would recommend looking at a Rick Steves tour: https://www.ricksteves.com

I have done two tours with him and enjoyed both.
by JMacDonald
Sat Oct 28, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 7645

Re: Is it difficult to switch from an iPhone to an Android?

Why an iPhone X? I had an iPhone 6 that I sold and got and iPhone 8. Cost wasn't a factor as I could easily have paid for the X. I didn't see a need for the fancy stuff on the X. And the 8 experience is the same a 6. It works. Also, it is available today, no waiting.
by JMacDonald
Sat Oct 28, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Hotels/Resorts on the beach in San Diego
Replies: 15
Views: 1282

Re: Hotels/Resorts on the beach in San Diego

If beaches are really what you want, why not change your trip to Hawaii?
by JMacDonald
Thu Oct 26, 2017 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Where to start
Replies: 7
Views: 644

Re: Where to start

Hey there, I'm twenty years old and looking to get started in investing. I was sitting here in a chem class in college and my crazy professor was talking about investing, and suggested I open up a Roth IRA with index funds. Is this a good idea? How should I get started with investing and where do I...
by JMacDonald
Tue Oct 24, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 4394

Re: Experian Dark Web scan

You don't even have to go to dark web to find all your past addresses and your name just listed wide in the open... https://www.usphonebook.com I entered a bunch of phone numbers and found about half of them incorrect. If that is the information the dark web has, then there is not much to be afraid...
by JMacDonald
Sun Oct 22, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 4394

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: 36
Views: 4394

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: 1373

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: 5228

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: 4793

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: 2002

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: 1367

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: 3401

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: 52095

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: 2595

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: 2595

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: 1381

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: 3948

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: 385
Views: 26598

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: 2625

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: 52095

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: 57
Views: 8254

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: 52095

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: 52095

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...