Search found 2097 matches

by JMacDonald
Sun Sep 23, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for a Teacher
Replies: 19
Views: 1425

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: 1804

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: 6711

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: 192
Views: 11944

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: 1032

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: 13618

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: 57
Views: 6628

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: 2115

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: 2115

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: 3259

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: 3259

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: 3091

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: Investing - Help with Personal Investments
Topic: Help With Beneficiaries: Single, No Children, Two Siblings
Replies: 12
Views: 1302

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: 5793

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: 2333

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: 2333

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: 1989

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: 5208

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: 2133

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 ...
by JMacDonald
Sun Jul 15, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Like Lifestrategy Funds but???
Replies: 32
Views: 3667

Re: Like Lifestrategy Funds but???

I remember when Vanguard added the International Bond Fund. There was much discussion here. After 5 years, the International Bond Fund has returned 3.87% while the Total Bond Fund has returned 2.20%. At least for the past 5 years nobody has been hurt who had the International Bond Fund.
by JMacDonald
Sat Jun 30, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: States that are investments/tax unfriendly?
Replies: 27
Views: 3317

Re: States that are investments/tax unfriendly?

Another think that irks me about living in CA is that even HSA investment cap gains are taxed. I couldn't believe that when I found out. Fortunately I'm 31 and I don't have a lot of medical expenses yet, so I'll just accumulate and hopefully never need to sell til I'm an old codger... That high ded...
by JMacDonald
Wed Jun 27, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Identity Theft
Replies: 20
Views: 1911

Re: Identity Theft

I have received phone calls telling me there is an issue with my windows computer.The caller, with an accent, wanted me to turn on my computer. I don't know what the caller wanted me to do once my computer was on because I informed the person I don't use windows. End of call.
by JMacDonald
Sun Jun 24, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: Hidden Index Bubble - I'd love to hear some thoughts!
Replies: 27
Views: 2335

Re: Hidden Index Bubble - I'd love to hear some thoughts!

Isaac Pino, who wrote this article, states: savvy investors can see the opportunity this presents, especially in smaller companies with strong fundamentals. If everyone else is unconsciously distorting the market toward one end, there's likely to be tremendous value at the other. Take a look at the ...
by JMacDonald
Sun Jun 17, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9232

Re: Which Supermarket are you?

99 Cent Store, Food for Less, Smart & Final, Costco. These stores are where I find the best prices for the items I buy.
by JMacDonald
Fri Jun 15, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5564

Re: Apple MacBook Air On Sale $699

It is rumored that the MacBook Air will be updated: https://www.macrumors.com/2018/04/30/ap ... 018-model/

I have a 13 inch Mid 2013 MacBook Air. I find for my need this works great for me, and it still going strong.
by JMacDonald
Wed Jun 13, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2734

Re: How much to invest in elementary education?

I haven't read the replies; but as a retired elementary teacher, your local school is probably better then whatever scores you are looking at. Save your money on private schools and hire your kids a tutor if there is a need. I went to a parochial school, and I know it was not a great education. So p...
by JMacDonald
Mon Jun 11, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Best water filtration system ?
Replies: 13
Views: 985

Re: Best water filtration system ?

Take a look at Everpure: http://residential.everpure.com/en-US/p ... ev9270-76/

I have used this system for 30 years. It has worked very well and is easy to use.
by JMacDonald
Sat Jun 09, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5605

Re: daughter wants a college transfer?

If she can't hack it, take the weeder classes (calc/physics/chemistry) at a community college. For most med schools, a 3.4 won't cut it, even from Cornell. Med schools adjust for the grading of schools to an extent but there is a threshold that hurts their stats. Spend some time on Student Doctor F...
by JMacDonald
Fri Jun 08, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing and just got an inheritance
Replies: 22
Views: 1726

Re: New to investing and just got an inheritance

Since you are savvy enough to find this forum, you can certainly do investing yourself without the help of "friends." That One Percent adds up. For every hundred thousand dollars invested, you pay one thousand. And for what? That amount of money is worth your time to figure this out. I am invested i...
by JMacDonald
Sun Jun 03, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Parents transferring all property over to me. Do I need a lawyer?
Replies: 12
Views: 2228

Re: Parents transferring all property over to me. Do I need a lawyer?

It would be better if the property is left to you in a trust. However, if your parents do not want to manage the property, you could do that for them until you inherit the property.
by JMacDonald
Sat Jun 02, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 3220

Re: June in Paris: What to (or not to) wear, see and do?

The Louvre is worth seeing if you have an interest in art. The is a lot more there than the Mona Lisa. Here is my favorite at the Louvre: https://en.wikipedia.org/wiki/Winged_Victory_of_Samothrace The Louvre is open some evenings. When I was in Paris a few years ago, I found it less crowded then. Ge...
by JMacDonald
Sat Jun 02, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: A silver coin
Replies: 8
Views: 1381

Re: A silver coin

by JMacDonald
Fri Jun 01, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Driving UHaul
Replies: 20
Views: 2254

Re: Driving UHaul

If you have big furniture, make sure it will fit in the place you are planning to move into. People, where I live, often can't get their big sofa into the unit.
by JMacDonald
Mon May 14, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 3414

Re: Grand Canyon or other Nat'l Park in October?

The period that you want to go to the Grand Canyon, Zion, or Bryce are very popular. You will be lucky to get reservations at this late date. I alway make my reservations to these National Parks a year in advance if I know I am going there. Zion NP might be your best bet as Springdale is right next ...
by JMacDonald
Mon May 14, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9392

Re: Is there a boglehead muscle car?

This website might give you some information on how a car you are interested in has been doing:
https://www.carcomplaints.com
by JMacDonald
Wed May 09, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Custom suit needed for a wedding. Help me shop around!!
Replies: 30
Views: 2423

Re: Custom suit needed for a wedding. Help me shop around!!

I bought a suit from the Men's Wearhouse some years ago and was not happy with the service there. Maybe you will have better luck.
I am not sure about cost, but Nordstrom is know for it service.
by JMacDonald
Sun May 06, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4935

Re: AMC Movie Theaters -- typical OR not?

KSOC wrote:
Sun May 06, 2018 8:37 am
What bugs me is the 20 minutes of commercials & trailers before your show.
I agree that is worst part of going to the movies.
by JMacDonald
Sun May 06, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4935

Re: AMC Movie Theaters -- typical OR not?

Prices seemed reasonable: $30 for three of us. Whoa! Atypical. Are you posting from the 1990s? I don't know if you can get into a discount theater for much under $10 around here. That is market specific. I do not think that I have spent more than $7.50 for a movie in the past five years with the se...
by JMacDonald
Sat May 05, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4935

Re: AMC Movie Theaters -- typical OR not?

The CineMark theater that I go to see the Met Opera HD Broadcast has remodeled all of their screens with lounge seating like what you described.
by JMacDonald
Fri May 04, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: They Should've Been Content With Earning the Market Return
Replies: 6
Views: 2037

Re: They Should've Been Content With Earning the Market Return

Besides the people who put their money in looking for an unrealistic return, I wonder how the people running these Ponzi schemes think they are going to get away with it. Living in a jail cell for a very long time doesn't seem like it would be worth the risk.
by JMacDonald
Wed May 02, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4583

Re: Ally asking CURRENT customer to provide SSN card?

I wonder if this doesn't have something to do with the new social security cards that are being sent out to everyone. Has anyone received their new card yet? I wasn't aware that new Social Security cards were being sent out. Is it possible you're thinking of the new Medicare cards? You are right. T...
by JMacDonald
Wed May 02, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4583

Re: Ally asking CURRENT customer to provide SSN card?

I wonder if this doesn't have something to do with the new social security cards that are being sent out to everyone.
Has anyone received their new card yet?
by JMacDonald
Sat Apr 28, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Anyone else use AmazonSmile?
Replies: 31
Views: 2803

Re: Anyone else use AmazonSmile?

Yes, and the proceeds go to: " John C Bogle Center for Financial Literacy ". This helps fund some of the cost of bogleheads.org. The Amazon link on the this sites(Bogleheads.org) homepage assists in directily funding this sites costs as well. +1 :happy Theres no doubt AMZN has intermediary & admini...
by JMacDonald
Sat Apr 28, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Lake Tahoe
Replies: 28
Views: 2599

Re: Lake Tahoe

First, if you are planning to stay in Yosemite, then reservations are needed. Or you will have to find something outside the park. That is not the best way to experience Yosemite. https://www.travelyosemite.com/lodging/yosemite-lodging-experience/ From Lake Tahoe, you can travel to Yosemite on Highw...
by JMacDonald
Fri Apr 27, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11983

Re: Amazon to raise Prime membership in US to $119 from $99

Like cable increases, the $119 increase is because of the costs of licensing content for Prime Video and Prime Music. https://nypost.com/2018/04/11/why-amazons-lord-of-the-rings-show-will-be-a-flop/ says they are they're spending up to $1B on a Lord of the Rings show alone. Wish they had a shipping...