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Re: Send text messages from PC to cellphone?

Google Voice was the best choice. Thanks everyone!
by mcse37
Thu Feb 27, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to cellphone?
Replies: 6
Views: 462

Send text messages from PC to cellphone?

If I wanted to send a text message from my PC to someone's cell phone, whats the best way to do this?

Thanks.
by mcse37
Thu Feb 27, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to cellphone?
Replies: 6
Views: 462

I saved hundreds at goodRX.com

A prescription I would have paid hundreds for under my health insurance was only $33.00 at Walmart using a goodRX discount card. I'm not affiliated with them, I'm just an amazed first time user.

GoodRX.com
by mcse37
Fri Feb 21, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: I saved hundreds at goodRX.com
Replies: 5
Views: 1006

Re: Breaking Bad (TV Show)

Does anyone know when Netflix will carry the rest of season five?
by mcse37
Thu Oct 03, 2013 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Breaking Bad (TV Show)
Replies: 74
Views: 6282

Laptop recommendation needed. $750 budget.

My HOA has asked me to recommended a laptop computer. The laptop will be used to record the meeting minutes and I expect that it will be lightly used. The only requirements are a screen size of 17.3" & must have MS Office. Budget - $750.00. Can I get some recommendations?

Thanks.
by mcse37
Mon Sep 16, 2013 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Laptop recommendation needed. $750 budget.
Replies: 21
Views: 1777

Vanguard Total Stock NAV fell on Friday? Why

The S&P 500 index was up on Friday, but Vanguard Total Stock Market NAV fell by .10. How could this happen?
by mcse37
Sat Jun 22, 2013 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock NAV fell on Friday? Why
Replies: 2
Views: 603

Re: QUESTIONS FOR Q&A WITH JACK BOGLE

Is peer-to-peer lending (Lending Club) a good investment?
by mcse37
Fri Jun 07, 2013 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: QUESTIONS FOR Q&A WITH JACK BOGLE
Replies: 36
Views: 6501

Putnam Stable Value Fund - ER 3.70% ???

I'm looking at the Stable Value Fund offered by my 401K plan. Is the ER really 3.70% as stated below? <<<<SNIP>>>> Putnam Stable Value Fund Inception Date 02/28/1991 Total Fund Assets ($M) 2,690.90 Gross Expense Ratio (%) 0.37 Gross Expense Ratio Per $1000 3.70 Net Expense Ratio (%) 0.37 Net Expense...
by mcse37
Mon May 27, 2013 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Putnam Stable Value Fund - ER 3.70% ???
Replies: 5
Views: 1101

Re: Why did NAV's fall today?

They always update by 6:00 PM Eastern Time. Thanks for the info. I'll try again later.
by mcse37
Mon Apr 29, 2013 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why did NAV's fall today?
Replies: 4
Views: 527

Why did NAV's fall today?

The markets had a good day today, but NAV's of Vanguard Total Stock, Extended Market, & Total International fell. Did I miss something?

Thanks.
by mcse37
Mon Apr 29, 2013 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why did NAV's fall today?
Replies: 4
Views: 527

Re: How to shop for LTC insurance?

WoW2012 wrote:Go to http://www.AALTCi.org and request a quote.

Here's the link:

http://www.aaltci.org/long-term-care-in ... ree-quote/



8-)


Thanks for the links. I'll check it out.
by mcse37
Fri Mar 29, 2013 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to shop for LTC insurance?
Replies: 28
Views: 2410

Re: How to shop for LTC insurance?

Advice - buy in the next two weeks. Underwriting is changing in April in a bad way for purchasers for both Genworth and John Hancock, rates going up and underwriting standards getting tougher. Other companies are soon to follow suit. Use an independent agent that offers at least 3-4 different compa...
by mcse37
Fri Mar 29, 2013 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to shop for LTC insurance?
Replies: 28
Views: 2410

How to shop for LTC insurance?

I'm considering long term care insurance, but I don't know how to shop for it. I'm 53, my wife is 57 & we are in good health. Any advice? What insurance company do you use?

Thanks
by mcse37
Fri Mar 29, 2013 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to shop for LTC insurance?
Replies: 28
Views: 2410

Re: Part-time jobs

Get a Security Officer job. It's low stress and will get you out of the house a couple of days a week.
by mcse37
Fri Feb 15, 2013 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Part-time jobs
Replies: 26
Views: 3092

Re: Peeking at investments...how often?

The other day I found a discrepancy in the withholding in my 401K. Spotting this saved me 530 bucks. Checking your balances frequently is a good idea.
by mcse37
Thu Feb 07, 2013 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Peeking at investments...how often?
Replies: 59
Views: 3331

Re: How did you do for 2012 Credit Card Rewards?

PenFed Visa = $275.00 in gift cards in 2012.
by mcse37
Thu Jan 24, 2013 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you do for 2012 Credit Card Rewards?
Replies: 53
Views: 3900

Re: W-2 question

Thanks Tet.
by mcse37
Thu Jan 17, 2013 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: W-2 question
Replies: 2
Views: 313

W-2 question

Just got the W-2 form for 2012 from my employer. I'm confused about the entry in line "12A". In this field are the letters, "DD" and an amount of "8739.64". I read the back of the form, but I still don't understand what this means. Can someone help me?

Thanks,

Bob
by mcse37
Thu Jan 17, 2013 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: W-2 question
Replies: 2
Views: 313

Re: PenFed Visa Platinum Cash Rewards 5% Cashback on Gas

Gemini wrote:Interesting. I have the same card and haven't paid close attention to whether I am getting 1 or 5 percent returns.

How do we go about finding out whether a place qualifies for 5 percent?


I find out by looking at my PenFed Rewards statement.
by mcse37
Mon Jan 07, 2013 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa Platinum Cash Rewards 5% Cashback on Gas
Replies: 21
Views: 1473

Re: How do I add my wife to my house title?

If I simply died without a will or Quit Claim deed, would all of my assets automatically go to my wife? We have no children and I'm sure no one in my family would contest it.
by mcse37
Tue Dec 11, 2012 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I add my wife to my house title?
Replies: 17
Views: 1594

Re: How do I add my wife to my house title?

Normally you just execute and record a deed from you to the two of you as joint tenants or as tenants by the entireties. An alternative could be to simply devise it to her in your will. Why do you feel you need to change the title at this point in your life (I note you're 52 from an earlier post)? ...
by mcse37
Mon Dec 10, 2012 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I add my wife to my house title?
Replies: 17
Views: 1594

How do I add my wife to my house title?

I bought my house before I met my wife. How do I add her to the title & what will it cost? If it makes any difference I live in Virginia. Thanks.
by mcse37
Mon Dec 10, 2012 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I add my wife to my house title?
Replies: 17
Views: 1594

Re: Narrowing down my 2013 401K equity choices

What are the equities you are holding in the other buckets of your portfolio? If youre significantly exposed to the S&P 500 in a Roth or in taxable I'd say its ok to choose from DFFVX or Wellington. If not Id go with the SVSPX. Maybe post a poll? Thanks for your comments. Outside of the 401k my...
by mcse37
Thu Nov 08, 2012 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Narrowing down my 2013 401K equity choices
Replies: 7
Views: 654

Narrowing down my 2013 401K equity choices

I've figured out my bond allocation for my new 2013 401K, Now I'm focusing on the equities portion of the plan. I've narrowed it down to three funds that I like. DFA US Targeted Value, Vanguard Wellington, and SSgA S&P 500 Index Instl. DFA US Targeted Value I (DFFVX 0.38%). Long term it compares...
by mcse37
Thu Nov 08, 2012 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Narrowing down my 2013 401K equity choices
Replies: 7
Views: 654

Re: Savings Bond Wizard Update Available

I own electronic I-Bonds. How do I find out my serial number? I don't see it when I logon to TD. Thanks.
by mcse37
Mon Nov 05, 2012 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard Update Available
Replies: 4
Views: 886

Favorite personal investment audiobooks?

I want to listen to personal finance audiobooks on my way to work. What do you recommend? You can PM me if you like.
by mcse37
Mon Oct 29, 2012 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Favorite personal investment audiobooks?
Replies: 4
Views: 459

Re: Will my asset allocation produce 1M for retirement?

Thanks for your reply. $1,702,433 is a pretty big number. I think the only way I can reach this is to increase my allocation to stocks. Keep in mind that your personal inflation rate can differ from the government's measure of inflation. For example, if you own your home, your housing costs might b...
by mcse37
Sat Oct 27, 2012 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Will my asset allocation produce 1M for retirement?
Replies: 24
Views: 1754

Re: Will my asset allocation produce 1M for retirement?

A million 18 years from now is not going to buy you what a million would buy you today. As John mentions, you want to think about inflation. Of course, if wages and prices go up, you should be increasing your contributions along with them, i.e., you should be putting in more than $10k within a few ...
by mcse37
Fri Oct 26, 2012 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will my asset allocation produce 1M for retirement?
Replies: 24
Views: 1754

Re: Will my asset allocation produce 1M for retirement?

Johm221122 wrote:You invest $10,000 a year and buy I bonds?do you not have or take advantage of retirement accounts?
John


I do both. I buy I-bonds & contribute to my 401k & Roth IRA.
by mcse37
Fri Oct 26, 2012 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will my asset allocation produce 1M for retirement?
Replies: 24
Views: 1754

Re: Will my asset allocation produce 1M for retirement?

joe8d wrote:
I'm 52 years old and want to continue working until 70.


Keep in mind, the odds of being able to keep/work your present full time job till 70 are not favorable.


Thanks for your comments.
by mcse37
Fri Oct 26, 2012 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will my asset allocation produce 1M for retirement?
Replies: 24
Views: 1754

Re: Will my asset allocation produce 1M for retirement?

A million 18 years from now is not going to buy you what a million would buy you today. As John mentions, you want to think about inflation. Of course, if wages and prices go up, you should be increasing your contributions along with them, i.e., you should be putting in more than $10k within a few ...
by mcse37
Fri Oct 26, 2012 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will my asset allocation produce 1M for retirement?
Replies: 24
Views: 1754

Re: Will my asset allocation produce 1M for retirement?

pkcrafter wrote: Are you figuring on a 5% withdrawal rate or less?

Paul


Thanks for your reply. I'm looking at a 4% withdrawal. That, along with Social Security should be plenty for me.
by mcse37
Fri Oct 26, 2012 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will my asset allocation produce 1M for retirement?
Replies: 24
Views: 1754

Will my asset allocation produce 1M for retirement?

I'm 52 years old and want to continue working until 70. My portfolio is currently valued at 512K and going forward I plan on contributing around 10K per year total to my 401K & Roth IRA until retirement. My allocation is 50% stock (60% Vanguard US Total Stock Index, 40% Vanguard Total Internatio...
by mcse37
Fri Oct 26, 2012 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will my asset allocation produce 1M for retirement?
Replies: 24
Views: 1754

Re: Need help selecting a cheap desktop PC

[quote][/quote]

The Walmart PC looks like a good deal.
by mcse37
Sun Sep 30, 2012 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Need help selecting a cheap desktop PC
Replies: 32
Views: 2610

Re: Notebook Troubleshooting

First, I would remove the battery and just run off of the power cord for a few days and see if the problem returns. If the problem doesn't return, it's the battery.

You could also go to Dell's web site & download the diagnostic utilities for your notebook.

Bob
by mcse37
Sun Sep 30, 2012 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Notebook Troubleshooting
Replies: 19
Views: 839

Re: Rebalancing / Market timing

Why not just do "Age in Bonds" and be done with it.
by mcse37
Sat Sep 15, 2012 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing / Market timing
Replies: 29
Views: 1422

Re: How to convert mutual fund expense ratio to dollars?

Thanks for your post. Can you explain the math like I'm five years old? Thanks.
by mcse37
Thu Sep 06, 2012 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to convert mutual fund expense ratio to dollars?
Replies: 14
Views: 1579

How to convert mutual fund expense ratio to dollars?

I know this is a stupid question, I'm really math challenged. I'm trying to convert mutual fund expense ratios to actual dollar amounts. For example, if I own $100,000.00 in a fund and the expense ratio is .08, what am I paying in dollars each year? Thanks.
by mcse37
Thu Sep 06, 2012 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to convert mutual fund expense ratio to dollars?
Replies: 14
Views: 1579

Re: VG Total Bond Mkt Index vs. VG Inter-Term Bond Index

Why has Intermediate Term performed so much better than Total Bond?
by mcse37
Thu Aug 30, 2012 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Total Bond Mkt Index vs. VG Inter-Term Bond Index
Replies: 23
Views: 2032

VG Total Bond Mkt Index vs. VG Inter-Term Bond Index

VBTLX vs VBILX: Which of these funds would lose less in a rising interest rate environment? Thanks.
by mcse37
Thu Aug 30, 2012 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Total Bond Mkt Index vs. VG Inter-Term Bond Index
Replies: 23
Views: 2032

Does Vanguard Total Bond Market Index hold TIPS?

Googled the question but I can't find the answer. Thanks.
by mcse37
Wed Aug 29, 2012 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard Total Bond Market Index hold TIPS?
Replies: 8
Views: 1018

401K Bond Fund Choices - Which would you choose?

To balance my portfolio, I want to hold bond funds in my new 401K. Which funds would you select & why? What percentage would you allocate to each fund? Names, tickers & ER's below. Thanks. PIMCO Total Return Fund;Institutional (PTTRX) 0.46% Putnam Bond Index Trust Fund;Y (No ticker) 0.38% Va...
by mcse37
Tue Aug 28, 2012 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Bond Fund Choices - Which would you choose?
Replies: 4
Views: 719

Re: Taxable Investing - Wait Until Jan 2, 2013?

I'm going to invest regardless of the tax laws. I'm just not sure if investing in a taxable account, late in the year, is a good idea.
by mcse37
Mon Aug 27, 2012 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Investing - Wait Until Jan 2, 2013?
Replies: 12
Views: 1985

Taxable Investing - Wait Until Jan 2, 2013?

I want to invest lump sums into Vanguard Total Stock Market Index Fund & Vanguard Total International Stock Index Fund. The funds would be in taxable accounts. I admit I don't know much about taxes. I'm concerned that if I invest the money today, will I get a 1099 at the end of the year for divi...
by mcse37
Mon Aug 27, 2012 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Investing - Wait Until Jan 2, 2013?
Replies: 12
Views: 1985
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