Search found 2139 matches

by JMacDonald
Thu Jan 10, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Newspapers / News Subscriptions
Replies: 19
Views: 631

Re: Newspapers / News Subscriptions

Back in the day, i use to buy a couple of newspapers each day. Now I pay to read three newspapers online. The monthly cost is actually cheaper than when I use to buy the daily newspapers. The bonus is no newsprint ink on my fingers.
by JMacDonald
Mon Jan 07, 2019 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA.
Replies: 6
Views: 579

Re: Roth IRA.

My opinion is that one should use a 100% stock fund for a Roth IRA. I believe that because you pay taxes going in; but pay no taxes when you withdraw the funds in the future. Stocks are likely to give you the highest returns over the long run. I would use the Vanguard Total Stock Fund.
by JMacDonald
Thu Jan 03, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Yellowstone Ski Sierra Club vs. DIY
Replies: 21
Views: 1280

Re: Yellowstone Ski Sierra Club vs. DIY

You can do this a lot less expensive than a $1000 a day; or you want to do it by yourself or with a group? Doing it by yourself just requires doing all of details instead of letting someone else doing it for you. I have considered going to Yellowstone in the winter, but I would do it myself and not ...
by JMacDonald
Tue Jan 01, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 2990

Re: Noise cancelling headphones for plane trips, advice?

I have the Bose 35; https://www.bose.com/en_us/products/hea ... 5_ii_black
The headphones work well, but won't help you with a crying baby. I believe you can get them at Costco.
by JMacDonald
Tue Jan 01, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8095

Re: Saving at Costco

So it seems to me I got both the $70 discount and will get the 25% off in a Costco Cash Card. Thank you - I cleared everything out and started over and this time got both. Glad you posted this. I missed the Bridgestone sale and wanted the Blizzaks but the Michelin Ice are just about as good. This p...
by JMacDonald
Tue Jan 01, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8095

Re: Saving at Costco

I was planning to go to Costco tomorrow to buy tires. I checked today about the one cents installation; however, there is even a better sale: 25% back: https://www.costco.com/WarehouseTiresLocatorView This is a one day sale. What a find. Thank you! Best price I’ve seen all winter. Hmm. Seemed they ...
by JMacDonald
Tue Jan 01, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8095

Re: Saving at Costco

I was planning to go to Costco tomorrow to buy tires. I checked today about the one cents installation; however, there is even a better sale: 25% back:
https://www.costco.com/WarehouseTiresLocatorView

This is a one day sale.
by JMacDonald
Sat Dec 15, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: New York camera stores, online purchases
Replies: 16
Views: 999

Re: New York camera stores, online purchases

I have had good experiences at both B&H and Adorama. I was in NYC last month and needed a camera strap. I went to B%H. I was amazed at the size of the store. Not your typical camera shop.
by JMacDonald
Sun Nov 25, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Galapagos Islands-Land based day tours worth it?
Replies: 9
Views: 757

Re: Galapagos Islands-Land based day tours worth it?

This is the boat I was on for my two week cruise of the Galapagos:
https://www.enchantedexpeditions.com/de ... -explorer/
A great trip!
by JMacDonald
Sun Nov 25, 2018 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Affordable Furniture for first adult apartment
Replies: 29
Views: 2577

Re: Affordable Furniture for first adult apartment

Be careful about the size of any furniture you buy. In the building I live, people that are moving in, find that some of their furniture does not fit.
by JMacDonald
Thu Nov 22, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Tiny Baby Spiders on my Toaster
Replies: 40
Views: 3100

Re: Tiny Baby Spiders on my Toaster

sillysaver wrote:
Thu Nov 22, 2018 10:04 am
I love off-the-wall threads like this one. I have no idea.
Someone could make a song of "Tiny Baby Spiders on my Toaster."
by JMacDonald
Wed Nov 21, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Utah Gasoline Octane Ratings Deleted
Replies: 9
Views: 1158

Re: Utah Gasoline Octane Ratings

I wondered about the same thing when I traveled in areas that offer 85 octane. I asked at a GMC dealer in the service department in that area and was told it was not a problem for my GMC truck.
by JMacDonald
Wed Nov 21, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17459

Re: Don't pay full price for SiriusXM radio

My renewal for SiriusXM is the first week of the new year. They want $299.99 for the coming year. I will be canceling if they don't reduce that amount. I like SiriusXM, but not that much.
by JMacDonald
Sun Nov 18, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Veterans business bonds 5%
Replies: 4
Views: 371

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: 86
Views: 6448

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: 99
Views: 7561

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: 1875

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: 18607

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: 9391

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: 1261

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: 2379

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: 1203

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: 4805

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: 422

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: 5445

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: 5445

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: 2236

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: 11050

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: 3827

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: 4314

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: 4314

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: 11050

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: 829
Views: 118412

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: 3867

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: 1219

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: 8686

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: 1477

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: 1477

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: 7207

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: 1686

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: 1952

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: 7098

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: 16340

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: 1109

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: 137
Views: 18763

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...