Search found 2196 matches

by JMacDonald
Sat Jul 13, 2019 11:36 am
Forum: Personal Investments
Topic: my mom is a "financial advisor"
Replies: 66
Views: 7140

Re: my mom is a "financial advisor"

Here is a video on this fund:
https://www.youtube.com/watch?v=K2FQ98gzeDw
by JMacDonald
Thu Jul 11, 2019 12:22 pm
Forum: Investing - Theory, News & General
Topic: Retiring Early Correlates with Greater Longevity ?
Replies: 47
Views: 4581

Re: Retiring Early Correlates with Greater Longevity ?

I once asked Calstrs how long teachers lived with their retirement. I didn't exactly get that answer, but I got this: California State Teachers’ Retirement System. We don't keep statistics but in a 2002 letter drafted by the Office of the Actuary, they found the following results: 75.7% have been r...
by JMacDonald
Thu Jul 11, 2019 10:41 am
Forum: Investing - Theory, News & General
Topic: Retiring Early Correlates with Greater Longevity ?
Replies: 47
Views: 4581

Re: Retiring Early Correlates with Greater Longevity ?

I once asked Calstrs how long teachers lived with their retirement. I didn't exactly get that answer, but I got this: California State Teachers’ Retirement System. We don't keep statistics but in a 2002 letter drafted by the Office of the Actuary, they found the following results: 75.7% have been re...
by JMacDonald
Sat Jul 06, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Cleaning bugs off car bumper
Replies: 32
Views: 2289

Re: Cleaning bugs off car bumper

These days I go to the local car wash when I return home from a trip with my truck full of squished bugs. I figure the cost is just part of the trip. They do a good job of getting rid of the bugs, and they clean my windows.
by JMacDonald
Tue Jul 02, 2019 3:26 pm
Forum: Personal Investments
Topic: Teacher Looking To Stop 403b Contributions
Replies: 46
Views: 2781

Re: Teacher Looking To Stop 403b Contributions

asklenny wrote:
Tue Jul 02, 2019 2:49 pm
One of my friends who is a financial advisor
Do yourself a favor and continue reading on this website before you take the advise of a "financial advisor."
by JMacDonald
Wed Jun 26, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo in Chicago?
Replies: 52
Views: 5275

Re: Should I buy a condo in Chicago?

I would buy if you know you will be stable and live in the condo for the next 10 years. I live in a condo. It is paid off. Now I don't have to be concerned about the increases in rent that I see happening where I live.
by JMacDonald
Tue Jun 25, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Dental implant... almost done!
Replies: 53
Views: 3517

Re: Dental implant... almost done!

There were a few posts over the last year on dental implants and I chimed in on a few. I'm now nearing the finish line on my implant. Summary... broke top front tooth as a kid, had a root canal and then permanent crown at 18, failed badly two summers ago with abscess and clear signs of prior infect...
by JMacDonald
Sun Jun 23, 2019 6:25 am
Forum: Personal Investments
Topic: Scared about investing large amount of money
Replies: 24
Views: 2529

Re: Scared about investing large amount of money

Put the money in the Total Bond Fund in Vanguard or the equivalent. If that puts your AA out of balance, then just direct all of your new contributions to stocks until your AA is back to where you want it.
by JMacDonald
Sat Jun 15, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 67
Views: 4546

Re: IPhone 6 - showing some age

You don’t need to buy a $1199 iPhone XS Max. You can get yourself a refurbished iPhone 7 which is basically brand new (new battery, new body) for $329 on Apple. You can sell your iPhone 6 to defray the costs. Since the phones are cosmetically identical you won’t even miss a beat—in fact you’ll have...
by JMacDonald
Thu Jun 13, 2019 10:47 am
Forum: US Chapters
Topic: Any Los Angeles area chapters?
Replies: 10
Views: 901

Re: Any Los Angeles area chapters?

HueyLD wrote:
Tue Jun 04, 2019 10:35 pm
I think poster JMacdonald is still the LA area coordinator. Paging Joe....
Well, I tried to get meeting going a while back at Philippe’s, but only one person showed up. Someone else needs to try a different location to see if there is any real interest.
by JMacDonald
Thu Jun 13, 2019 5:35 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11183

Re: Retired at 35 and have no friends :(

Volunteer at an animal shelter.
by JMacDonald
Thu Jun 13, 2019 5:31 am
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 4054

Re: Best source for buying Gold Coins

You can buy gold coins from the UIS Mint:
https://catalog.usmint.gov/coins/gold-coins/
by JMacDonald
Wed Jun 12, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4009

Re: Tips for new pet owner

Notify your insurance company. They ask if you have pets for a reason. I can't imagine notifying my insurance agent for adding a Havanese to my household. But I do enjoy living on the edge. I dunno, everyone around here is terrorized by the neighborhood "killer chihuahua." That little son-of-a-fema...
by JMacDonald
Tue Jun 11, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4009

Re: Tips for new pet owner

I don't have a dog, but have cats. I can't answer all your questions; however, I take my cats to an animal hospital. This hospital has several vets, and they can do most of the care my cats need. I also like the fact that these vets have wide experience in treating animals. Be prepared to spend some...
by JMacDonald
Sat Jun 08, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Road trip Salt Lake or Az to Vegas November
Replies: 8
Views: 743

Re: Road trip Salt Lake To Vegas November

Zion National Park would be the easiest park to visit driving down Hwy 15. You could probably get a room at the lodge:
https://www.zionlodge.com
You take your chance with the weather.
by JMacDonald
Wed Jun 05, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10013

Re: Walking Cities, potential for retirees

LiveSimple Agree if I cannot walk in my shorts, tee, sandals then it is not in my criteria as "walking city Southern California is probably the best location for that attire, but there are times of the year when that doesn't work. This May and now June have been unusually cool for shorts and tee. G...
by JMacDonald
Wed Jun 05, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8578

Re: Costco or Sam's Club?

This is a high income, yuppie-preppie area. It seems that Sam's tries to appeal to "Everyman". Costco likes to appeal to the yuppie/preppies. I went to the Costco in western Richmond, VA one time on a weekday. It was horrendous (compared with my home Costco). Mobbed beyond [my] belief. Had to park ...
by JMacDonald
Tue Jun 04, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10013

Re: Walking Cities, potential for retirees

There is a website for that:
https://www.walkscore.com/cities-and-neighborhoods/
When I typed in my address, the score was 86. I agree because there are many places I can walk to if I choose.
by JMacDonald
Tue Jun 04, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4182

Re: Santa Fe real estate

We looked hard at SF for retirement. We had visited many times over the years, loved it, seemed like a good fit for us checking a lot of boxes. Three factors ultimately weighed against it for us to choose a different retirement location. Strongly agree with folks posting to rent for a full year fir...
by JMacDonald
Tue Jun 04, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8578

Re: Costco or Sam's Club?

squirm wrote:
Tue Jun 04, 2019 11:16 am
I drove to Costco on Sunday
I usually go to Costco first thing in the morning, no problem parking or paying at the register. It just depends when you go.
by JMacDonald
Mon Jun 03, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Havasupai, Have a Sticker Shock
Replies: 27
Views: 3724

Re: Havasupai, Have a Sticker Shock

I have not made this trip, but I do know that every time I wanted a lodge reservation in a national park, the price was US$350 and up per night. And that includes very rustic rooms. Well, having stayed at many lodges at National Parks, I have never paid anywhere near $350. Now if I wanted to stay a...
by JMacDonald
Mon Jun 03, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2057

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

You will be traveling East and most the traffic in the morning is traveling West. Having said that, when I leave the LA/Orange county area on a trip, I leave very early in the morning to get out of the area before there is a chance of traffic. Google Map shows the time you would drive without any st...
by JMacDonald
Fri May 31, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Efficient Disneyland visit for family 1-2 days
Replies: 37
Views: 2540

Re: Efficient Disneyland visit for family 1-2 days

For those considering Disneyland (cal) - Galaxies Edge opens today and you need reservations at the least - best to avoid DL for the next 2-3 months with this new opening. With 2nd ride in Galaxies Edge opening later this year and the multigenerational attraction of Star Wars, expect crowds for the...
by JMacDonald
Mon May 27, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Drinking water systems
Replies: 8
Views: 675

Re: Drinking water systems

I have been using an Everpure H-300 water system for years. I think it is great:
https://www.amazon.com/Everpure-Replace ... B0002JVWSI
by JMacDonald
Mon May 27, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4733

Re: Teaching jobs

Here is my suggestion: She should start being a substitute teacher again. When she subs a school that she likes, talk to the principal at the school that she is interested in a full time position if something opens up. Give the principal a business card with contact information. Principals are the o...
by JMacDonald
Sun May 26, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: American Express lowered my credit limit
Replies: 61
Views: 5059

Re: American Express lowered my credit limit

American Express must be cleaning house. I received a letter lowering my credit limit from $30,000 to $15,000 due to lack of usage. I basically stop using AmExp when Costco dropped them for Citi. The letter cause me to rethink my credit card usage. I cancelled AmExp and decided to use my Capital One...
by JMacDonald
Mon May 20, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Finance depreciating asset?
Replies: 22
Views: 1742

Re: Finance depreciating asset?

Wanting to buy $100K car. I prefer paying cash straight, but seems like financing is the way to go? Assumptions: Finance: $50K @ 3.5% 72/mo Invest: $50K with estimated minimum 4% return YoY (S&P tracking mutual fund) Calculations: $5.5K Interest Cost $13.2K Investment Return Net profit on investmen...
by JMacDonald
Sun May 19, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 6990

Re: Honda CRV or Toyota RAV4 ?

Check out Car Complaints:

https://www.carcomplaints.com/Honda/CR-V/

https://www.carcomplaints.com/Toyota/RAV4/

Quite a difference between the two.

Here is the Mazda CX-5 that some posters recommended:

https://www.carcomplaints.com/Mazda/CX-5/
by JMacDonald
Sat May 11, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: What to know before moving all my belongings into storage?
Replies: 19
Views: 1923

Re: What to know before moving all my belongings into storage?

I had things in storage for a long time. When I removed the items, I ended up throwing away half of it. Try to only store what you absolutely need to have when you return so you can rent the smallest storage unit possible. The lesson I learned was I ended up paying for those items twice: once when I...
by JMacDonald
Wed May 08, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Kaiser HMO
Replies: 25
Views: 1398

Re: HDHP vs Kaiser HMO

I have had Kaiser in SoCal for over 15 years. I can tell you I have has better care with Kaiser than with the other plan I had. Kaiser sends out surveys to patients asking about the care they are receiving. The last one I got I said my doctor was the best doctor I have ever had. I am very happy with...
by JMacDonald
Fri May 03, 2019 7:49 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 5215

Re: Short BYND? (beyond meat, IPO today)

I had a beyond meat taco at Del Taco the other day. https://deltaco.com/beyond I am the target customer for that type of product because I avoid meat when possible. However, I didn't like the taco and would not be ordering it in the future. So my guess is that it won't be a big seller. But who knows.
by JMacDonald
Thu Apr 04, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 2200

Re: French movies on Netflix

I don't know the ratings as most of these are old films: "The two of us" "The tall blond man with one black shoe" "Manon of the spring" "Jean de Florete" "Hiroshima non Amour" "Diary of a country priest" "The battle of Algiers" "Children of Paradise" "The discreet charm of the Bourgeoisie" "Grand Il...
by JMacDonald
Sun Mar 31, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Best Book to Understand Shakespeare?
Replies: 16
Views: 1085

Re: Best Book to Understand Shakespeare?

I use the Asimov's Guide to Shakespeare and "Shakespeare After All" by Marjorie Garber. I read the articles when I am going to see a Shakespeare play. I recommend the Utah Shakespeare Festival https://www.bard.org for good productions of the plays. There are free seminars every morning after the pla...
by JMacDonald
Sun Mar 24, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 74
Views: 6438

Re: How to Sell a Wyland Painting on My Bathroom Wall?

I would put a frame around it under glass.

He painted the Sports Arena where I live:
https://en.wikipedia.org/wiki/Long_Beac ... Barena.jpg
by JMacDonald
Wed Mar 20, 2019 5:08 am
Forum: Personal Consumer Issues
Topic: New carry-on policy at United Airlines?
Replies: 47
Views: 3668

Re: New carry-on policy at United Airlines?

It appears United has a new carry-on luggage practice. On my most recent business trip, after groups 1 and 2 boarded and just as they started to board group 3, they announced that no further carry-on bags that didn't fit under the seat would be allowed on the plane. I fly frequently on business (ar...
by JMacDonald
Tue Mar 19, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 3986

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

Not sure about biking but I hike and travel in these GoRuck boots. https://www.goruck.com/macv-1-lookbook/ Very light, roomy shoes and don’t look technical. They just look like black shoes with a pair of 5 pocket slacks and button down. These shoes are quite popular too. I’d say I am in like with m...
by JMacDonald
Sun Mar 17, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 9097

Re: Paris - Is It Safe?

I've been planning to go to Paris for a week in May, with my wife. Basically a museum/art trip. But, I'm uncertain whether this is prudent, given the difficulties I keep reading about. It sounds like the Champs Elysee was really trashed this weekend, and this has been going on for months. I need to...
by JMacDonald
Sun Mar 17, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: Personal health and exercise websites?
Replies: 10
Views: 968

Re: Personal health and exercise websites?

I pay to get a newsletter from this website:
http://www.berkeleywellness.com
They also send emails on different topics
by JMacDonald
Tue Mar 05, 2019 1:45 pm
Forum: Personal Investments
Topic: Time to sack Warren Buffett?
Replies: 41
Views: 4189

Re: Time to sack Warren Buffett?

The question I have seen asked that is similar to your question: Would you buy it today? if not, then sell.
by JMacDonald
Fri Mar 01, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Car Navigation System Update
Replies: 36
Views: 2076

Re: Car Navigation System Update

Use a dash mount and buy a Garmin with lifetime traffic and map updates Perhaps things have changed since the last time I bought a Garmin with lifetime map updates. I think I was able to install exactly two updates before the internal memory ran out of room and from then on, I had to start dropping...
by JMacDonald
Thu Feb 28, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5
Replies: 25
Views: 3399

Re: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5

My quick way to do a QCD was to call Vanguard and give the information and received the check in the mail in about a week. Then I mailed the check to the charity. I have done this two years in a row. Quick and simple.
by JMacDonald
Thu Feb 28, 2019 8:34 am
Forum: Personal Investments
Topic: Should I sell I-bonds to get 6.75% [in Pakistan bonds?]
Replies: 40
Views: 3300

Re: Should I sell I-bonds to get 6.75%

India and Pakistan are at rusk of going to war and have nuclear weapons. What could go wrong with that investment.

https://www.bloomberg.com/news/articles ... wned-pilot
by JMacDonald
Thu Feb 28, 2019 6:15 am
Forum: Personal Consumer Issues
Topic: Car Navigation System Update
Replies: 36
Views: 2076

Re: Car Navigation System Update

I have a Garmin for that price that gets updated for free.
https://www.bestbuy.com/site/garmin-dri ... Id=5715643
by JMacDonald
Sat Feb 23, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to ensure USPS mailed tax return makes it to IRS
Replies: 52
Views: 3701

Re: Best way to ensure USPS mailed tax return makes it to IRS

My accountant filed my returns electronically. One advantage doing it that way is that it doesn't get lost in the mail, and I received my state and federal refund in a week this year.
by JMacDonald
Mon Feb 18, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating RMD
Replies: 13
Views: 712

Re: Calculating RMD

Here is the Vanguard page about RMD:
https://personal.vanguard.com/us/insigh ... r-rmd-tool
by JMacDonald
Fri Feb 08, 2019 8:53 pm
Forum: Personal Investments
Topic: Whats better to hold, Roth dollars or Tax-deferred dollars ?
Replies: 84
Views: 5674

Re: Whats better to hold, Roth dollars or Tax-deferred dollars ?

I like both the Roth and an IRA. I would fund the Roth first. It is entirely possible that you could be push into a higher tax bracket by withdrawing from an IRA. That won't happen with the Roth.
by JMacDonald
Tue Feb 05, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable Distributions from my IRA
Replies: 42
Views: 1925

Re: Qualified Charitable Distributions from my IRA

Gerry L - I believe Vanguard will only send the QCD check(s) to you made payable to the charity with your name and address below the charity name. You have to forward the checks to the charity yourself. I always keep a copy of the full check before mailing it/them to the charity. That has been my e...
by JMacDonald
Mon Feb 04, 2019 3:57 pm
Forum: Personal Investments
Topic: RMD in taxable,montly,quaterly or lump ?'s
Replies: 5
Views: 377

Re: RMD in taxable,montly,quaterly or lump ?'s

I have my IRA in the Vanguard LifeStrategy Moderate Growth Fund (VSMGX). I don't need to rebalance when I take my RMD. I just let Vanguard do it.
by JMacDonald
Sat Feb 02, 2019 1:43 pm
Forum: Investing - Theory, News & General
Topic: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]
Replies: 72
Views: 6664

Re: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]

This has been an interesting conversation. I went on the author website and took this quote: The $200 billion Vanguard Total Bond Market Index Fund (VBTLX) is so big that it owns over 8,000 bonds and is not a discerning investor. It owns what the index tells it to own. The fund averages a weak 1.63%...