Search found 2292 matches

by JMacDonald
Mon May 25, 2020 7:33 am
Forum: Investing - Theory, News & General
Topic: Jeremiah B. says to buy gold and silver
Replies: 29
Views: 1541

Re: Jeremiah B. says to buy gold and silver

columbia wrote:
Mon May 25, 2020 6:33 am
Who is Jeremiah Babe and why would he be expected to properly predict inflation rates?

(A partial answer is that he’s a real estate agent.)
https://www.realtor.com/realestateagent ... _ca_396632
by JMacDonald
Sun May 24, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: Would you buy a new car without a spare tire?
Replies: 21
Views: 974

Re: Would you buy a new car without a spare tire?

I recently bought a Honda Insight that is sold without a spare. I made the dealer supply a spare before I would drive the Honda off the lot. Was it just a generic spare or one meant for that model? The Honda Insight is basically a Honda Civic so I believe it was a Civic tire, but is came with all t...
by JMacDonald
Sun May 24, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: Would you buy a new car without a spare tire?
Replies: 21
Views: 974

Re: Would you buy a new car without a spare tire?

I recently bought a Honda Insight that is sold without a spare. I made the dealer supply a spare before I would drive the Honda off the lot.
by JMacDonald
Sun May 24, 2020 8:11 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 113
Views: 7915

Re: If Jeep has such poor reliability, how come they are everywhere?

This website gives you some sense of the complaints about the Grand Cherokee:

https://www.carcomplaints.com/Jeep/Grand_Cherokee/

It seems to be doing better.
by JMacDonald
Thu May 21, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3408

Re: Do you dislike recurring billing for gyms?

Instead of monthly rates why don't you ask about yearly or multi year plans. I belong to LA Fitness for many years now. I signed up for a multi year plan where I paid three years upfront. My annual renewal is now much lower than most people that pay by the month, and it not recurring. I have to giv...
by JMacDonald
Mon May 18, 2020 1:18 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2935

Re: Choices of and precautions at hotels in this summer

From what I have been reading, hotels are not cleaning during your stay, something called "grab n go " for breakfast now, and some are using self check in. I am going to skip hotels for a while and just go camping instead. I am just curious, is it legal to camp on a beach, or at a rest area along t...
by JMacDonald
Mon May 18, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2935

Re: Choices of and precautions at hotels in this summer

From what I have been reading, hotels are not cleaning during your stay, something called "grab n go " for breakfast now, and some are using self check in. I am going to skip hotels for a while and just go camping instead.
by JMacDonald
Sun May 10, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5322

Re: What are your alternative plans this summer if it was travel?

I had a trip planned almost every month this year, but not now. I am waiting for the campgrounds to be opened up. I can social distance in a campground and on the hiking trail.
by JMacDonald
Wed May 06, 2020 2:18 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 222
Views: 12990

Re: Is Disney the most tempting value stock?

Disney will certainly become a value stock at this rate: "Disney theme parks take a $1-billion hit amid coronavirus closures" https://www.latimes.com/entertainment-arts/business/story/2020-05-05/disney-earnings-heres-how-much-coronavirus-has-hurt-so-far Disney estimated that the business missed out ...
by JMacDonald
Thu Apr 23, 2020 5:49 pm
Forum: Personal Investments
Topic: All the upside of the S&P with 10% downside protection "Free"?
Replies: 116
Views: 7845

Re: All the upside of the S&P with 10% downside protection "Free"?

TooLegit2Quit wrote:
Thu Apr 23, 2020 1:21 am

Initially, based on the blanket advice from white coat investor's teachings, I told him to "run" when his advisor mentioned annuity.
Here is your answer.
by JMacDonald
Thu Apr 23, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Costco Delivery
Replies: 41
Views: 5635

Re: Costco Delivery

I was in my local Costco yesterday. There was tons of TP, paper towels, and water. Check out your local Costco if you need any to these items. It very much depends on which Costco and where you live. My local Costco's were heavily overused and sometimes ran out of stock even before C19. They certai...
by JMacDonald
Thu Apr 23, 2020 7:06 am
Forum: Personal Consumer Issues
Topic: Costco Delivery
Replies: 41
Views: 5635

Re: Costco Delivery

I was in my local Costco yesterday. There was tons of TP, paper towels, and water. Check out your local Costco if you need any to these items.
by JMacDonald
Wed Apr 22, 2020 8:11 pm
Forum: Investing - Theory, News & General
Topic: The new Bull Market Official Thread
Replies: 11
Views: 1212

Re: The new Bull Market Official Thread

Actually the S&P 500 was 2237.40 on March 23rd. https://www.marketwatch.com/investing/index/spx/charts Thanks! The close was 2,237.40. The low for the day traded all the way down to 2,191.86. That is interesting. I wondered where you got that number. So I guess in a way that was the bottom.
by JMacDonald
Tue Apr 14, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296721

Re: Coronavirus and the market

NY Times article: The I.M.F. predicts the worst economic downturn since the Great Depression. The International Monetary Fund issued a stark warning about economic damage from the coronavirus, saying on Tuesday that the global economy faces its worst downturn since the Great Depression as shuttered ...
by JMacDonald
Sat Apr 11, 2020 6:41 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17342

Re: Ponzi Scheme?

This is just like one of the episodes that I have watched on American Greed, especially a trusted member of a church.
by JMacDonald
Thu Apr 09, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is saving $19k/yr worth having roommates? (California Bay Area)
Replies: 71
Views: 5644

Re: How much rent can I afford (California Bay Area)

You might want to stay put until this Coronavirus sorts itself out. Is your job so secure that you will be employed no matter what happens to the economy?
by JMacDonald
Fri Apr 03, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard blew away the competition in Q1
Replies: 6
Views: 1429

Vanguard blew away the competition in Q1

MarkerWatch:
Data out Friday from FactSet showed that Vanguard pulled in $48.5 billion in the first three months of the year, more than four times its nearest competitor, BlackRock.
https://www.marketwatch.com/story/vangu ... 2020-04-03
by JMacDonald
Thu Apr 02, 2020 9:04 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128880

Re: Coronavirus (Consumer Issues) How you are preparing?

If the N95 mask protects everyone from the wearer, then in theory, if everyone wears an N95 mask, everyone is protected? I know it's not that simple, but makes one think. Separately, if masks become strongly recommended, where is everyone finding these masks? I am still unable to find masks to purc...
by JMacDonald
Thu Apr 02, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6261

Re: Should I keep paying fitness center fees while it is closed?

The local performing arts centers where I live are being hit hard. They have canceled the season or will be canceling. I will be donating the tickets I bought at the beginning of the season. I am hoping these organizations survive. As it would be a great lost to me not to have live performances to a...
by JMacDonald
Wed Apr 01, 2020 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Utah Remote Job, where will you relocate ?
Replies: 35
Views: 1923

Re: Utah Remote Job, where will you relocate ?

Here is a website that gives the average climate for cities in the US:
https://www.usclimatedata.com/climate/united-states/us
Use it to help you find a city that meets your shorts and tee requirements.

I live in SoCal and near the beach and have to wear long pants and a jacket sometimes.
by JMacDonald
Tue Mar 24, 2020 8:28 am
Forum: Personal Finance (Not Investing)
Topic: CSR travel insurance coverage? Stuck in Ecuador.
Replies: 20
Views: 1918

Re: CSR travel insurance coverage? Stuck in Ecuador.

When this all settles down, you need to write a screenplay for a movie.
by JMacDonald
Mon Mar 23, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: New Amazon order & delivery processes?
Replies: 30
Views: 3140

Re: New Amazon order & delivery processes?

I ordered two books on March 12. Neither book has arrived. One book was reordered as Amazon said it was lost. Both are due sometime in the future. So much for Prime.
by JMacDonald
Sat Mar 21, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 269
Views: 35719

Re: Don't pay full price for SiriusXM radio

First of all you may not need all access. Check out what select gives you. It may be all you need. Next call them and say you will only pay the same as last year. Be prepared to cancel if they won't agree. Just hang tight.
by JMacDonald
Fri Mar 20, 2020 7:37 am
Forum: Personal Consumer Issues
Topic: Census 2020 question
Replies: 27
Views: 2448

Re: Census 2020 question

It seems every scam crook knows my phone number so why not the government. I filled out my census form last week.
by JMacDonald
Thu Mar 19, 2020 7:46 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190770

Re: Bogleheads community discussion - Coronavirus

Here is a fascinating New Yorker article written in 1997 about the Spanish Flu:
https://www.newyorker.com/magazine/1997 ... -dead-zone
The Wuhan area of China is mentioned in the article.
by JMacDonald
Thu Mar 19, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Intended Cruise
Replies: 15
Views: 1099

Re: Intended Cruise

If you wait, the cruise line will probably cancel the trip, and solve the issue for you.
by JMacDonald
Sat Mar 14, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: Fly or Drive to FL?
Replies: 52
Views: 3504

Re: Fly or Drive to FL?

Events of the past month call for a change of plans. I have canceled trips that I made months ago. I would not go.
by JMacDonald
Sat Mar 07, 2020 7:31 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296721

Re: Coronavirus and the market

La Times: Truckers, dockworkers suffer as coronavirus chokes L.A., Long Beach ports cargo https://www.latimes.com/business/story/2020-03-07/la-fi-coronavirus-ports-california-economy The nation’s largest port is hurting. That may be a leading indicator of the pain that’s in store for Southern Califo...
by JMacDonald
Sat Mar 07, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Spring break Florida/Universal Studios & COVID 19
Replies: 29
Views: 2606

Re: Spring break Florida/Universal Studios & COVID 19

Go camping instead that will avoid crowds and be enjoyable.
by JMacDonald
Sun Mar 01, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128880

Re: Coronavirus (Consumer Issues) How you are preparing?

I haven't done anything special about this issue; but I was at my local Costco when it opened today, it was a mob scene. I was told by one of the workers that it was the same on Saturday. It seems that many people are stocking up on supplies. I just came across this article about Costco: https://www...
by JMacDonald
Sat Feb 29, 2020 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestion: Check your credit reports, even if frozen
Replies: 21
Views: 1954

Re: Suggestion: Check your credit reports, even if frozen

Here is the form you can use to get the credit reports sent to you once a year from the three credit companies;
https://www.annualcreditreport.com/manu ... orm.action
by JMacDonald
Tue Feb 04, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 11281

Re: Would you drive without a spare tire?

I recently bought a Honda Insight that came with no spare tire. However, there is a space for the spare, and I bought one for the Insight. I have had the bad luck to have two tire in the past that could not be repaired so without a spare I would had to be towed. I would not have bought the Insight w...
by JMacDonald
Tue Feb 04, 2020 12:21 pm
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16093

Re: Tesla Stock

I also own a Leaf, and I had that for 8 years and saved tens of thousands of dollars in gas, oil, tuneups, brake service. Probably not tens of thousands.. Do the math again. And don't forget that electricity isn't free. But I agree with your other points. I agree. I will never ever own individual s...
by JMacDonald
Mon Feb 03, 2020 9:17 pm
Forum: Personal Consumer Issues
Topic: Skiing Frugally
Replies: 45
Views: 4608

Re: Skiing Frugally

If you go to Mammoth for downhill skiing it is $182.58 for an adult: https://www.mammothmountain.com/winter/plan-a-vacation/book-a-trip/lift-tickets However, cross county skiing at Mammoth is $32 for an adult; https://www.mammothmountain.com/winter/things-to-do/winter-activities/tamarack-xc-ski-cent...
by JMacDonald
Sat Feb 01, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Uneven crack in sidewalk in front of my house, am I liable?
Replies: 37
Views: 3335

Re: Uneven crack in sidewalk in front of my house, am I liable?

The city where I live in California fixed the sidewalk outside our condo, and it was our tree that caused the problem. Complain to your city and see what they say.
by JMacDonald
Sun Jan 26, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 30
Views: 3135

Re: Credit Karma says someone added me as an authorized user on their card

Also request your credit reports from the three companies using this form. It is free: https://www.annualcreditreport.com/manualRequestForm.action When you get the reports, check them carefully for any unusual activity. I wasn't aware of such a form. Is it a relatively recent thing? And will this w...
by JMacDonald
Sun Jan 19, 2020 7:58 am
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 30
Views: 3135

Re: Credit Karma says someone added me as an authorized user on their card

Besides calling, you should freeze your credit with the three main reporting companies if you haven't already done so. Also request your credit reports from the three companies using this form. It is free: https://www.annualcreditreport.com/manualRequestForm.action When you get the reports, check th...
by JMacDonald
Fri Jan 17, 2020 8:05 pm
Forum: Personal Investments
Topic: Help with Principal Financial 403(b) fund "choices"
Replies: 4
Views: 270

Re: Help with Principal Financial 403(b) fund "choices"

Besides dealing with the 403(b) choices, you can invest in a Roth IRA and taxable funds. I know it doesn't save taxes now, but that is better than high cost funds. I once had to deal with high cost 403(b) funds. PS. Is that your favorite poem of T. S. Eliot? I now see that you have a Roth IRA. I mis...
by JMacDonald
Tue Jan 14, 2020 12:05 pm
Forum: Investing - Theory, News & General
Topic: Why not go all aggressive? The risk seems about the same....
Replies: 51
Views: 4496

Re: Why not go all aggressive? The risk seems about the same....

I hold the Vanguard Total Stock Market Fund. The top five holding are big tech:
https://investor.vanguard.com/mutual-fu ... olio/vtsax
That is enough for me.
by JMacDonald
Mon Jan 13, 2020 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: printing Vanguard .PDFs
Replies: 10
Views: 733

Re: printing Vanguard .PDFs

i printed my Vanguard Tax Form today. It said TaxForm.pdf. That was on my MacBook Air.

Maybe you should download the form again and see what happens.
by JMacDonald
Sun Jan 12, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

I know it is far in the future, but come back and let us know how your ladies fared in the Big Apple. :happy
by JMacDonald
Sun Jan 12, 2020 11:07 am
Forum: Personal Finance (Not Investing)
Topic: RMD and tax withholding
Replies: 7
Views: 444

Re: RMD and tax withholding

What is his income to see what tax bracket he is in:

California:
https://www.federaltaxbrackets2020.net/california/

Federal:
https://taxfoundation.org/2020-tax-brackets/
by JMacDonald
Sun Jan 12, 2020 9:07 am
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

If you can travel mid-week it helps a lot with hotels. I just booked the W hotel in Times Square for around $220 a night in mid-February, a Tuesday-Friday stay. Actually for NYC hotels weekends are usually cheaper due to conferences not being held as much. Especially if you get toward the southern ...
by JMacDonald
Sun Jan 12, 2020 8:31 am
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

Many theaters have lots of terrible seats. Spend $ on center seats close up. I agree get the best seats you can find at this point. The show is selling fast so don't put off getting the tickets. If the show is extended the main performers may leave the show as that is common.They don't stay with th...
by JMacDonald
Sat Jan 11, 2020 10:39 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

Figure at least $500 a night per room for hotel, $250 each for show tickets, meals will be $25+ per person lunch and dinner. Cab fare $15 per trip (unless you can walk). Add it up and see where that gets you. Whatever it is, it's worth it. Music Man, Hugh Jackman, Sutton Foster - I'm going too. :sh...
by JMacDonald
Sat Jan 11, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

Crow Hunter wrote:
Sat Jan 11, 2020 9:32 pm
What about hotels/travel?

Any places to avoid?
Here is a hotel about a block from the theater:

https://www.tripadvisor.com/Hotel_Revie ... _York.html
by JMacDonald
Sat Jan 11, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

Crow Hunter wrote:
Sat Jan 11, 2020 9:32 pm
What about hotels/travel?

Any places to avoid?
TripAdvisor can help you:

https://www.tripadvisor.com/Hotels-g607 ... otels.html
by JMacDonald
Sat Jan 11, 2020 9:12 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2982

Re: Trip to NYC/Broadway

You can order tickets here now:

https://www.telecharge.com/eventovervie ... ctId=12924

Get the tickets first and then get the hotel. Enjoy!