Search found 2672 matches

by tc101
Fri Aug 14, 2015 6:01 pm
Forum: Personal Consumer Issues
Topic: Saving a tree when installing a septic drain field
Replies: 5
Views: 401

Re: Saving a tree when installing a septic drain field

Isn't the reverse problem that the tree roots will spread into the drain field and cause problems there?


I know that used to be a problem, but I don't think it is now with these new drain fields with the infiltrator chambers.

http://www.smaller-homes.com/septic-drain-fields.html
by tc101
Fri Aug 14, 2015 3:29 pm
Forum: Personal Consumer Issues
Topic: Saving a tree when installing a septic drain field
Replies: 5
Views: 401

Saving a tree when installing a septic drain field

How close can I come to a big old oak and a big old poplar tree with a septic drain field trench, and probably not kill the tree?
by tc101
Thu Aug 06, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: Running Google Now on my Android phone.
Replies: 1
Views: 213

Running Google Now on my Android phone.

I want to try google Now on my LG G3. When I run it, I get a message saying "Home is currently your default launcher ... go to settings, touch clear defaults, and press the home button". If I do this and I want to switch back to Home, will it be a problem? Will I mess up anything else by c...
by tc101
Mon Jul 27, 2015 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Online chart of performance that includes reinvested divs and cap gains?
Replies: 2
Views: 241

Online chart of performance that includes reinvested divs and cap gains?

Is there some place online where you can see a chart of fund performance over time that includes all dividends and cap gains reinvested?
by tc101
Fri Jul 24, 2015 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1462

Re: Is the Vanguard advisor service worth while for me?

Thank you House Blend and everyone else for taking the time to help me understand this.
by tc101
Fri Jul 24, 2015 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1462

Re: Is the Vanguard advisor service worth while for me?

I just finished talking to the adviser at Vanguard. He was a friendly, likable, knowledgeable person. He was not pushy in any way. I enjoyed our conversation. He looked over my portfolio. His main recommendation was simplification. He took the view that the total market makes more sense than slice a...
by tc101
Fri Jul 24, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1462

Re: Is the Vanguard advisor service worth while for me?

For 2014, $27K of taxable income with no qualified dividends or LTCG buys you a Federal tax liability of about $3600. So $4K sounds a bit high but in the ballpark. I have been trusting Turbo Tax to do this right, but if they made a mistake that caused me to pay an extra $400 I want to know about it...
by tc101
Fri Jul 24, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1462

Re: Is the Vanguard advisor service worth while for me?

Why not get the free consultation and see what he says.


That is what I plan to do, and I will write about it here, after it happens at 2pm today.
by tc101
Fri Jul 24, 2015 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1462

Re: Is the Vanguard advisor service worth while for me?

But this comment of yours doesn't quite jive with that: "All the money in the taxable account is in stock index funds and ETFs." In that case, the dividends in your taxable account should be mostly qualified. I was not clear enough. All the money in my VANGUARD taxable account is in stock...
by tc101
Thu Jul 23, 2015 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1462

Re: Is the Vanguard advisor service worth while for me?

You pay $4,000 in Federal income taxes on $27,000 of taxable income? Wow!


Is that high or low? I just enter the numbers in Turbo Tax and do what it says. Almost all that income is from taxable interest on real estate loans.
by tc101
Thu Jul 23, 2015 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1462

Re: Is the Vanguard advisor service worth while for me?

I think a better question is would you be willing to do Tax Loss Harvesting yourself if someone paid you $900 for it. I don't know. How long would it take me to learn to do it, and how much time would it take? You could use a robo service, like Betterment, which uses Vanguard ETFs (mostly). Their f...
by tc101
Thu Jul 23, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1462

Is the Vanguard advisor service worth while for me?

I talked to a guy at Vanguard, who answered my basic questions and set me up for a free consult with an adviser tomorrow. The cost of the the service is 0.3% of assets under management. You can select just a portion of your portfolio for management. There is no long term commitment. I have about $30...
by tc101
Tue Jul 21, 2015 11:28 pm
Forum: Personal Consumer Issues
Topic: Jet.com
Replies: 11
Views: 1834

Re: Jet.com

Prices have been going up at Amazon in the last year. Some things that used to be a great deal you can now get cheaper in a local store. I am glad Jet.com is going to give Amazon some competition. It should keep the prices low.
by tc101
Tue Jul 21, 2015 8:27 pm
Forum: Personal Consumer Issues
Topic: Jet.com
Replies: 11
Views: 1834

Jet.com

Have you looked at Jet.com. It is a new site that is supposed to be cheaper than Amazon, but so far all the things I have checked are priced the same as amazon.
by tc101
Mon Jun 29, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 35
Views: 4904

Re: Amazon getting too smart?

Stopped showing as in.... you couldn't access the used paperbacks at all, even by searching for them? Or stopped showing as in.... your recommendation list only recommended Kindle books? It did not show the used paperbacks as another buying option when you go to the kindle page. It did show the use...
by tc101
Mon Jun 29, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 35
Views: 4904

Re: Amazon getting too smart?

Please elaborate what you mean.


Now I see the used paperbacks, but earlier today I did not see them.

There is some guy on the amazon forum who says he doesn't believe it ever happened. This just happens to be someone who has done many hundreds of product reviews, most of them 5 star.
by tc101
Mon Jun 29, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 35
Views: 4904

Re: Amazon getting too smart?

I posted a message about it on the amazon forum and now the behavior has stopped.
by tc101
Mon Jun 29, 2015 10:02 am
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 35
Views: 4904

Re: Amazon getting too smart?

Getting? They've been doing this sort of thing for a long time. I never noticed it before. It is amazing to me that they actually predict which authors to deny me the used paperbacks. There is another used bookseller called abebooks.com that I am going to try. On the particular book I ordered with ...
by tc101
Mon Jun 29, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 35
Views: 4904

Amazon getting too smart?

Amazon has gotten too smart, in a tricky way that I don't like. They knew that I was interested in an author and had bought his books in the past, both as a kindle book and as used paper back books. They stopped showing me the used paperback books for this author when a more expensive kindle edition...
by tc101
Wed Jun 24, 2015 11:48 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 28728

What ratio are you stocks/bonds and how old are you?

I am 65 and 50/50. I am thinking about modifying this to something that changes yearly, like age minus 10 in bonds. In spite of all the great advice here about recency and market timing I notice on this board that peoples percentage in stocks is lots higher than it was back in 2009. How old are you,...
by tc101
Tue Jun 23, 2015 12:40 pm
Forum: Personal Consumer Issues
Topic: Best place to order business cards
Replies: 12
Views: 2473

Best place to order business cards

Where do order business cards online. I have used Vista Print in the past and they are OK, but I wonder if there are places better or cheaper.
by tc101
Wed Jun 17, 2015 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a CD at Vanguard
Replies: 17
Views: 4013

Re: Buying a CD at Vanguard

I plan to hold the CDs to maturity so resale value is not a problem. It just seems strange to me that the value would go down 0.23% in just one day based on interest rate fluctuations. On the other hand, if that lowered value represents and estimate of what I could sell it for, I do understand the m...
by tc101
Wed Jun 17, 2015 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Buying a CD at Vanguard
Replies: 17
Views: 4013

Buying a CD at Vanguard

Yesterday I bought a new issue CD for $10K. Today if I look in transaction history it says I paid $10K for the CD, but on the main Balances and Holdings screen it says the value is $9973, and if I click on the CD there it brings up a holding detail screen with the info below, which seems contradicto...
by tc101
Sat Jun 13, 2015 9:56 am
Forum: Investing - Theory, News & General
Topic: Investment grade vs corporate bond funds
Replies: 8
Views: 1442

Investment grade vs corporate bond funds

The newer Vanguard corporate bond funds have slightly higher returns than the investment grade funds. What is the difference, and is it worth switching from investment grade to corporate for a higher return?
by tc101
Mon Jun 08, 2015 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2726

Re: Secondary CDs

Thanks for all the info. I think all of my questions have been answered and I feel comfortable buying some secondary CDs to replace part of the short term corporate bond fund holdings in my IRA account. I do plan to hold them to maturity. If anyone reading this notices any key point that I have miss...
by tc101
Sun Jun 07, 2015 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2726

Re: Secondary CDs

Short term investment grade bond fund - avg maturity 3.1 years - SEC yield 1.64%
Short term corp bond index fund - avg maturity 3.0 years - SEC yield 1.67%

Secondary CD sold by Vanguard maturing 6/1/2018 yield 1.7%

Am I missing anything in thinking the CD is the best deal?
by tc101
Sat Jun 06, 2015 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2726

Re: Secondary CDs

I would like the OP to tell us where the YTM info is on his screen. And yes, you can use Excel to calculate the YTM, but why not just get it from the source? I don't see YTM on the screen. I copied and pasted all the info on the screen in my first post. YTM was on the screen when I bought it, but I...
by tc101
Fri Jun 05, 2015 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2726

Re: Secondary CDa

A few questions about buying secondary CDs at Vanguard - My understanding is that a survivor option on a CD is to my estates advantage if I die, and is no disadvantage to me. Is this correct? What does "Semi Cpn" mean? Is there something in the wiki about buying secondary CDs? If there is,...
by tc101
Fri Jun 05, 2015 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2726

Secondary CDs

Yesterday in my Vanguard IRA brokerage account I bought a $1000 CD from the secondary market. A $1000 investment is a very small amount. I did this so I could start learning about secondary CDs, and I tend to focus better after I buy something. I picked this CD because it had the highest yield in 20...
by tc101
Fri May 29, 2015 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Upcoming Economic Bubble
Replies: 45
Views: 6777

Re: Upcoming Economic Bubble

I agree with all the posts here that you will almost certainly do better in the long run if you just start putting money into a stock index fund. However, if you have any doubt, let me suggest a useful exercise. With the money you have to invest, go ahead and put 20% into gold. You will probably los...
by tc101
Fri May 29, 2015 12:36 pm
Forum: Investing - Theory, News & General
Topic: Will Single Premium Immediate Annuities be better with higher interest rates?
Replies: 49
Views: 4106

Re: Will Single Premium Immediate Annuities be better with higher interest rates?

Those figures imply that for the first 15 years and 2 months of your SPIA they are merely paying you back your own money without any inflation adjustment or any gain at all. How much will inflation over 15 years plus eat away at the purchasing power of $2,750 per month? Who knows? But regardless of...
by tc101
Thu May 28, 2015 3:22 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads and international bonds
Replies: 13
Views: 1633

Bogleheads and international bonds

For many years, when international bonds were discussed here, almost every post said international bonds were a bad idea, or at least unnecessary. The very few people who held international bond funds were sort of defensive in their comments. I can't count the number of times I read the phrase "...
by tc101
Sun May 17, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Checking
Replies: 23
Views: 2772

Re: Capital One 360 Checking

I still have a Capital One 360 account because I had an Ing account and they merged. Service and rates at Capital One 360 are not as good as they were with Ing. I think Ally has better service and I know Ally has better rates. I have shifted my money to Ally but have not yet closed the Capital One 3...
by tc101
Thu May 14, 2015 12:15 am
Forum: Personal Consumer Issues
Topic: Car insurance ratings
Replies: 7
Views: 1030

Re: Car insurance ratings

It doesn't matter how cheap insurance is if it doesn't pay when you make a claim.
by tc101
Wed May 13, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Car insurance ratings
Replies: 7
Views: 1030

Re: Car insurance ratings

Thanks. Aamica seems to be the top rated in most categories. I wonder why it is not better known?
by tc101
Wed May 13, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: Car insurance ratings
Replies: 7
Views: 1030

Car insurance ratings

Where would go online for the most accurate car insurance ratings?
Does anyone have any experience of knowledge of a company called Country Financial?
by tc101
Mon May 11, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 55
Views: 6044

Re: Best Chromebook 2015

What are the most common situations where you would need a regular computer and a chromebook would not do?
by tc101
Sat May 09, 2015 11:21 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 12088

Re: Will you buy self-driving car?

it would be a long time before I trusted my life to a software program.


You do that every time you get in a commercial air plane.
by tc101
Sat May 02, 2015 9:59 pm
Forum: Personal Consumer Issues
Topic: Effects of smart cars and driverless cars
Replies: 3
Views: 547

Re: Effects of smart cars and driverless cars

Great question. I bet that will happen and that is how it will be dealt with. But how will they know who to ticket? By then will computers just know where everyone is, or automatically identify you with face recognition software of something in your phone?
by tc101
Sat May 02, 2015 9:13 pm
Forum: Personal Consumer Issues
Topic: Effects of smart cars and driverless cars
Replies: 3
Views: 547

Effects of smart cars and driverless cars

We had a discusson here a while back about the future of car sensors, safety features, computers and driverless cars. I'm reading a sci fi novel set in the near future. All cars have safety features that keep them from hitting pedestrians. Everyone knows this. The result is that pedestrians just ste...
by tc101
Sat May 02, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 55
Views: 6044

Re: Best Chromebook 2015

Has anyone used a Chromebook touch screen?
by tc101
Fri Apr 24, 2015 12:32 pm
Forum: Investing - Theory, News & General
Topic: Do you Bogleheads really follow the 3-4% SWR rule?
Replies: 48
Views: 5410

Re: Do you Bogleheads really follow the 3-4% SWR rule?

I don't follow any firm rule, but if I withdrew much more than 4% in any year it would be a warning that I should look more closely at what I am doing. So far that has not happened.
by tc101
Sun Apr 19, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Battery or Gas Lawn Mower
Replies: 33
Views: 2867

Re: Battery or Gas Lawn Mower

Over time, even with ear plugs, a gas mower can effect your hearing. Go with electric.
by tc101
Wed Apr 15, 2015 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard REIT
Replies: 4
Views: 1356

Re: Vanguard REIT

Sure.
by tc101
Sat Apr 11, 2015 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Real Estate beats bonds anytime
Replies: 13
Views: 1600

Re: Rental Real Estate beats bonds anytime

I had a rental house. It was a lot of work and worry. If you are looking for a part time job then managing rental houses might be for you but it is a lot different than a bond fund where you do nothing.
by tc101
Sat Apr 11, 2015 9:19 am
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 6966

Re: How does this site make money?

It says they take donations by pay pal or check. How much of a cut does Pay Pal take? It is at least $5 or $10 worth of trouble to write a check, put it in an envelope, address it and mail it. Does Pay Pal take a percent or a fixed amount?
by tc101
Wed Apr 08, 2015 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on new CC and online bank (horrible exp with Cap One)
Replies: 19
Views: 2308

Re: Advice on new CC and online bank (horrible exp with Cap

I use Fidelity Cash management for cash, checks, credit card. Banks change from year to year. Fido has consistently good service.
by tc101
Sat Apr 04, 2015 11:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard advice to increase international bonds and stocks
Replies: 27
Views: 4031

Re: Vanguard advice to increase international bonds and stoc

For many years, most bogleheads argued against using international bonds. Everything said here about Vanguard changing it's opinion could also be said about bogleheads changing our collective opinion.
by tc101
Sat Apr 04, 2015 11:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard advice to increase international bonds and stocks
Replies: 27
Views: 4031

Re: Vanguard advice to increase international bonds and stoc

Vgd International bond index (admiral) lists expense ratio of .19%. It is true that there are other expenses from hedging that don't show up in the listed expense ratio?
by tc101
Thu Apr 02, 2015 10:00 pm
Forum: Investing - Theory, News & General
Topic: Difference between holding fixed income in bondETFs or banks
Replies: 9
Views: 1176

Re: Difference between holding fixed income in bondETFs or b

I'm sorry - I just can't decipher the acronyms. . . . The topic looks interesting however.


Same here. I have no idea what this means -

I have been comparing AER to YTM (less the TER)

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