Search found 2124 matches

by JMacDonald
Sun Nov 18, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Veterans business bonds 5%
Replies: 4
Views: 309

Re: Veterans business bonds 5%

This may help: https://streetshares.com/faq#faq-33 IS MY VETERAN BUSINESS BOND PURCHASE SUBJECT TO RISK? Yes. StreetShares worked with the Securities and Exchange Commission (“SEC”) for a Regulation A offering of Veteran Business Bonds (“StreetShares Notes”). The only offering to sell securities is ...
by JMacDonald
Fri Nov 16, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 68
Views: 4538

Re: Cremation seminar – with complimentary lunch

Raymond wrote:
Fri Nov 16, 2018 8:40 pm
JMacDonald wrote:
Thu Nov 15, 2018 9:40 pm
If you are a veteran, you have burial benefits:
https://www.cem.va.gov/burial_benefits/
Thanks for the link!
Apply for Pre-Need Burial Eligibility Determination
https://www.cem.va.gov/cem/pre-need/index.asp
I did it a while back.
by JMacDonald
Thu Nov 08, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 93
Views: 6531

Re: Too many choices for my next TRUCK

I have a 2017 GNC 4X4 SLE. I really am happy with it.
Check out this website for reliability: https://www.carcomplaints.com
by JMacDonald
Tue Nov 06, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1824

Re: Buying a used car

Here is a website that will give you a sense how a particular make and model has done:
https://www.carcomplaints.com
by JMacDonald
Sun Nov 04, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18311

Re: Vanguard website "unavailable during weekend of Nov 3"

I just logged in. Everything was exactly the same except my account was smaller due to the drop in the market.
by JMacDonald
Sun Nov 04, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9226

Re: retirement travel: RVs vs fly/drive/hotel

Some years ago, I drove with a friend to Alaska and back for about 10,000 miles. I did it in a small Toyota truck with a camper shell. The truck is my tent. We camped the whole way. Never stayed in a motel the entire trip. I consider that to be a backpacking car camping. I prefer to take road trips ...
by JMacDonald
Fri Nov 02, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Where to stay to visit Yosemite
Replies: 12
Views: 1202

Re: Where to stay to visit Yosemite

Hello I have never visited Yosemite national forest and have a few questions on where to stay. I will be traveling with my wife, 2 kids and a dog. We are planning on driving and are interested in the following - Reasonable accommodation - max of $150/night Duration - 6 days in December starting pro...
by JMacDonald
Thu Nov 01, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2306

Re: Europe Trip

I was in Paris once for Spring Break. it was crowded with students. Go in the Fall, after school starts before it gets cold.
by JMacDonald
Tue Oct 30, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Camping in late December-January, SW US
Replies: 16
Views: 1148

Re: Camping in late December-January, SW US

Here is a website to give you monthly weather averages for where you are planning to visit. It should help you plan:
https://www.usclimatedata.com
by JMacDonald
Sat Oct 27, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4726

Re: Vehicle recommendations for long commutes in CO mountains

Except for gas milage, I would go with a Ford Raptor.
by JMacDonald
Thu Oct 25, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Nikon D3500 + Selling Kit Lenses (18-55+70-300)
Replies: 4
Views: 417

Re: Nikon D3500 + Selling Kit Lenses (18-55+70-300)

You might keep the two lenses and buy a Nikon D5600 body only to use them.
https://www.adorama.com/inkd5600b.html
Or trade them in to Adorama for the D3500.
https://www.adorama.com/pages/usedQuote
Good luck trying to sell those lenses
by JMacDonald
Mon Oct 22, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Costco, Coursera...
Replies: 39
Views: 5387

Re: Vanguard, Costco, Coursera...

Costco isn't worth it if you don't have a reason to buy in bulk or use another of their services. I had a membership one year in order to use their optical department but found that we have neither the room nor the need for so many huge bulk packages. It didn't justify the hour long drive each way....
by JMacDonald
Mon Oct 22, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Costco, Coursera...
Replies: 39
Views: 5387

Re: Vanguard, Costco, Coursera...

Costco isn't worth it if you don't have a reason to buy in bulk or use another of their services. I had a membership one year in order to use their optical department but found that we have neither the room nor the need for so many huge bulk packages. It didn't justify the hour long drive each way....
by JMacDonald
Sun Oct 21, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 23
Views: 2058

Re: Pet Insurance company recommendation

This is an interesting conversation. I decided to look into pet insurance. Some of the complaints about Healthy Paws is that the rates go up as the pet ages. Has anyone here found that to be true?
by JMacDonald
Thu Oct 18, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10872

Re: Should we move to San Diego from east coast?

I know some people who live in this zip code. It is about 20 miles from downtown San Diego. It is a nice area. Take a look at what is available right now for sale: https://www.zillow.com/homes/for_sale/San-Diego-CA-92128/96669_rid/globalrelevanceex_sort/33.087946,-116.950322,32.902506,-117.197514_re...
by JMacDonald
Thu Oct 18, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 32
Views: 3735

Re: Forever Stamps as an Investment?

Let's say you invest $1000 in stamps and $1000 in the Vanguard Total Stock Market, which one do you think will be worth more in 20 years?
by JMacDonald
Tue Oct 16, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4257

Re: Relocation to California

The LA Times has run articles on how it's hard to get people to come downtown to the magnificent Disney concert hall due to traffic. I missed those articles. I was just in LA last weekend right next to Disney Hall at the Music Center to a sold out performance with 3000 people there. I guess they di...
by JMacDonald
Tue Oct 16, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4257

Re: Relocation to California

I didn't realize that I lived in a living hell. I guess the beaches, mountains, deserts, and the performing arts in the region have kept me blinded my whole life. I have often thought about moving, but anywhere I have visited that I thought was nice I knew I would be bored after a while. But for the...
by JMacDonald
Sun Oct 14, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10872

Re: Should we move to San Diego from east coast?

San Diego is a good place to live, but because of that lots of people want to live there and do. It is expensive and crowded. Traffic can be really bad. Don't move unless you will be able to afford the cost of living to do all of those wonderful acitivies that San Diego offers. Otherwise, you would ...
by JMacDonald
Sat Oct 06, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 672
Views: 99113

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I haven't read all of the comments so I don't know if this has been posted yet: https://www.carcomplaints.com/news/2018/honda-fuel-dilution-problems-class-action-lawsuit.shtml Honda Fuel Dilution Problems Cause Class-Action Lawsuit October 3, 2018 — Honda fuel dilution problems have caused a lawsuit...
by JMacDonald
Sat Oct 06, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take a pretty big pay cut to become a diplomat?
Replies: 32
Views: 3807

Re: Should I take a pretty big pay cut to become a diplomat?

It probably would be a great experience for you and your family. You could not only experience another culture, but be able to travel in the areas that will be close to your assignment. Go for it!
by JMacDonald
Tue Oct 02, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Any (medicare plans) experience with Silver & Fit?
Replies: 21
Views: 1207

Re: Any (medicare plans) experience with Silver & Fit?

I received an open enrollment letter about my medical choices for the coming year. That letter mentions Silver&Fit through Kaiser Senior Advantage. I think this is a new program for Kaiser as I have never heard of it before. I called Kaiser and Silver&Fit, neither had any information about me being ...
by JMacDonald
Sun Sep 30, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 8581

Re: Beginner. Want to get rich. Help with starting a portfolio

retiredjg wrote:
Sun Sep 30, 2018 4:24 pm
LiquidSky wrote:
Sun Sep 30, 2018 4:16 pm
So where do I begin?
Take a deep breath and start here. https://www.bogleheads.org/wiki/Getting_started

Yes, it really is that simple.
retiredjg beat me to it.
My philosophy is that you create wealth over time, you don't get rich quick.
by JMacDonald
Fri Sep 28, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Counterfeits benefit Amazon
Replies: 14
Views: 1463

Re: Counterfeits benefit Amazon

Here is an article about counterfeits items being sold on Amazon: http://www.latimes.com/business/technology/la-fi-tn-amazon-counterfeits-20180928-story.html I recently bought an item that was not counterfeit, but was a gray market item so I couldn't get the manufacture warranty. I wonder how one i...
by JMacDonald
Fri Sep 28, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Counterfeits benefit Amazon
Replies: 14
Views: 1463

Counterfeits benefit Amazon

Here is an article about counterfeits items being sold on Amazon: http://www.latimes.com/business/technology/la-fi-tn-amazon-counterfeits-20180928-story.html I recently bought an item that was not counterfeit, but was a gray market item so I couldn't get the manufacture warranty. I wonder how one is...
by JMacDonald
Fri Sep 28, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7004

Re: Got my new Iphone Xs

Man, what a computer!! Phone work's great also. I love that you call it a computer. Everybody should, because that's exactly what it is. The "phone" is just another application that runs on it. Not only is it a computer. It has more computing power than the Apollo Missions https://findersfree.com/s...
by JMacDonald
Sun Sep 23, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for a Teacher
Replies: 19
Views: 1576

Re: Investment Advice for a Teacher

I am a 50 year old teacher who is planning on retiring in 14 years. I have saved a good amount of money in my 403(B) and have the following asset allocations: Fidelity Total Market Index (FSTVX) 30% Fidelity 500 Index (FUSVX) 30% Fidelity Capital & Income (FAGIX) 30% Fidelity International Index (F...
by JMacDonald
Sun Sep 23, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 17
Views: 1919

Re: When is it OK to not go through car insurance after you've been hit?

i was rear ended once, and the guy wanted to pay for it without going through his insurance. I said OK. When I told him the cost of the repair and rental. He thought he was being ripoff by me needing a rental for three days. He didn't believe it would take three days. It did. So I ended up having my...
by JMacDonald
Sun Sep 23, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 7027

Re: Don't trust Tripadvisor reviews

I am going to stay at a Best Western Hotel this coming week. I have stayed there twice before. After reading this conversation, I looked at the TA reviews for that hotel. I was surprised to see it only had 3 and 1/2 stars for 339 reviews. I consider the hotel to be OK. The only legitimate complaint ...
by JMacDonald
Fri Sep 14, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16024

Re: iPhone XS Max

The BOGO offers are garbage for the most part. The cheapest BOGO offer that Verizon offers will cost you approximately $4850 over 24 months for the iPhone Xs 64gb—I just built out a 2 person package. You can get two Verizon prepaid 7gb plans for $85/mo. 85x24 is $2040 and the two phones cost $1998 ...
by JMacDonald
Sun Sep 09, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Best Intro Geology Textbooks
Replies: 17
Views: 1091

Re: Best Intro Geology Textbooks

You didn’t ask about other media besides textbooks, but maybe you’d like a Great Course? https://www.thegreatcourses.com/courses/nature-of-earth-an-introduction-to-geology.html The Great Courses also has another good one done in conjunction with National Geographic specifically on the geology of na...
by JMacDonald
Sun Aug 19, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13835

Re: Teachers Who Have Net Worth of $1 million +

I do not believe that you could, or should, value your potential pension payment over a period of 20 or 30 years and use it to claim a net worth for that figure. A pension is an income stream for your retirement. This has been addressed in many of our threads. I agree and don't count any future pen...
by JMacDonald
Sat Aug 18, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 66
Views: 8624

Re: Credit Card Fraud - $30K

Maybe the hacker has access to your email as well. The credit card notification setting could have been changed to a paperless option, such as email only. When that notification was sent to your inbox, it may have been quickly deleted. Then, after changing your email address, all subsequent changes...
by JMacDonald
Thu Aug 02, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 2201

Re: Hiking vacation in November - any recomendations?

If you can get a reservation, hike down to the Phantom Ranch in the Grand Canyon South Rim. https://www.grandcanyonlodges.com/lodging/phantom-ranch/ https://www.nps.gov/grca/learn/photosmultimedia/grand-canyon-in-depth-03.htm You hike down the South Kaibab Trail, stay over night at the Phantom Ranc...
by JMacDonald
Thu Aug 02, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 2201

Re: Hiking vacation in November - any recomendations?

If you can get a reservation, hike down to the Phantom Ranch in the Grand Canyon South Rim. https://www.grandcanyonlodges.com/lodging/phantom-ranch/ https://www.nps.gov/grca/learn/photosmultimedia/grand-canyon-in-depth-03.htm You hike down the South Kaibab Trail, stay over night at the Phantom Ranch...
by JMacDonald
Mon Jul 30, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3399

Re: Best MacBook Value

At the moment, I'd suggest the low end Macbook Pro, as others have suggested- primarily for the screen. The screen on the Macbook Air is basically the same as the screen on your computer, while the screen on all of the Pros is a very significant step up. Caveat: There are a lot of rumors flying aro...
by JMacDonald
Mon Jul 30, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3399

Re: Best MacBook Value

I have a 13" mid 2013 MacBook Air that meets my needs and is still going strong.
Here is one for $999: https://www.bhphotovideo.com/c/product/ ... r_mid.html
by JMacDonald
Sun Jul 29, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: LTC strategy: make health your hobby
Replies: 38
Views: 3196

Re: LTC strategy: make health your hobby

Ok maybe the 70s is a stretch these days, but how many people do you know in their 80s or 90s that have rich and fulfilling lives? I’d be willing to bet many do not. Well, here are two people. https://www.sfchronicle.com/books/article/Ferlinghetti-speaks-out-at-99-his-voice-as-vital-12764802.php ht...
by JMacDonald
Sat Jul 28, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Help With Beneficiaries: Single, No Children, Two Siblings
Replies: 12
Views: 1340

Re: Help With Beneficiaries: Single, No Children, Two Siblings

I have a trust for the reasons you stated. You might want to check out doing that.
by JMacDonald
Sat Jul 28, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 6129

Re: Regret Public School?

I attended a private school. Not a good experience. As a teacher I would occasionally get a student that transferred from a private school. It was interesting to see how that school evaluated that student compared to my students. I got the feeling that the previous school was just telling the parent...
by JMacDonald
Wed Jul 25, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Pet burial
Replies: 26
Views: 2390

Re: Pet burial

I had my pet cremated. This was done through the vet that I use. Check with you vet to see if they can help. This is what I had done. I really regret burying my first pet in the yard and then years later selling the house, and having another pet buried in a pet cemetery. The rest of my guys ashes a...
by JMacDonald
Wed Jul 25, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Pet burial
Replies: 26
Views: 2390

Re: Pet burial

I had my pet cremated. This was done through the vet that I use. Check with you vet to see if they can help.
by JMacDonald
Mon Jul 23, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Coast to Coast 2-3 Week Road Trip
Replies: 16
Views: 2048

Re: Coast to Coast 2-3 Week Road Trip

If you are having some problems finding a motel that takes pets, try Motel 6. They allow up to two pets per room without any extra fees. Staying in a national park at this late date may be a challenge to get a reservation. You will need to check if they allow pets. Besides the Grand Canyon NP, there...
by JMacDonald
Fri Jul 20, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: I dont know how to spend money
Replies: 39
Views: 5319

Re: I dont know how to spend money

Actually, I think you are doing good so far. Make a budget with setting a portion for entertainment or some activity you are interested in doing. You just need to loosen up a bit.
by JMacDonald
Mon Jul 16, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 21
Views: 2212

Re: California Homeowners - Do you have earthquake insurance?

On the other, if an earthquake here is bad enough that MY house is badly damaged, the $ worth of damage will be so astronomical here (destroying a lot of Oakland potentially for example) that I doubt the authority could cover claims anyway. Here in California it seem everyone is near an earthquake ...