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Re: physicians [Frustrated, considering early retirement]

The only dilemma I face now is how to advise my kids, both of whom wish to pursue a career in medicine. I fear for them in this brave new world of bean-counting medical economics, yet I want to support them. What would you tell your kids? What can you think of that is better? Medical jobs are some ...
by tc101
Thu Feb 26, 2015 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 8094

Re: Guns for hunting/defense

I have a .38 revolver here in the house for self defense. I hope I never have to use it, and don't think much about it. Kind of like a fire alarm or air bags in the car.
I saw a guy shoot himself once. Guns do terrible things to human bodies.
by tc101
Thu Feb 26, 2015 12:13 am
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 113
Views: 5323

Re: LED light bulbs: on line shopping destination

I agree that it is not at all conclusive. I only have 1 LED bulb at this time and it will be at least two years before all my older CFL bulbs have been used. I had planned to start buying LEDs then. By posting this on Bogleheads I will alert lots of people and we will all keep an eye on it together....
by tc101
Mon Feb 23, 2015 11:15 am
 
Forum: Personal Consumer Issues
Topic: LED light bulbs: on line shopping destination
Replies: 18
Views: 1996

Re: LED light bulbs: on line shopping destination

"A 2014 study found that LEDs cause retinal damage even in settings where they are used indirectly, such as household light bulbs."

http://en.wikipedia.org/wiki/High-energy_visible_light

http://ehp.niehs.nih.gov/122-A81/
by tc101
Mon Feb 23, 2015 10:25 am
 
Forum: Personal Consumer Issues
Topic: LED light bulbs: on line shopping destination
Replies: 18
Views: 1996

Re: Thoughts on replacing tires?

If you trust your mechanic, go talk to him and follow his advice. Maybe you could save a few dollars buying tires somewhere else, but it would probably be more trouble than it is worth. I have found it is best to establish a relationship with people like mechanics and home repair people and then jus...
by tc101
Fri Feb 20, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 3393

Re: $400 reward to open Chase accounts

I just closed the last account that I asked about when I started this thread. No problems. It took probably a total of 3 hours to drive to the bank, open the accounts, then drive home, create a file folder to keep the records of the transaction in, mark on my calender when to close the accounts, the...
by tc101
Fri Feb 20, 2015 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 52
Views: 13421

Re: Dental Insurance?

The consensus here is that dental insurance is a waste and the most important thing you can do is to protect your teeth with good care and diet.

How about looking for lower cost dentists? Prices do vary. Do you get what you pay for? What is your experience shopping for a dentist based on price?
by tc101
Tue Feb 17, 2015 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance?
Replies: 38
Views: 3262

Re: Free TaxAct software

To see schedules/individual forms, on the right side you should see "Help" "Forms" "Images" "Tools" next to one another. If you click "Forms", it will give you the complete list of forms. Thanks. Now it works fine. Last night when I clicked "Fo...
by tc101
Wed Feb 11, 2015 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1292

Re: Free TaxAct software

I have the desktop version. In the Forms Explorer, I see a left side "folder" view and right-side form. There is a drop-down list where you can pick whether it was a form received (1099, etc.) or all forms. Maybe you're missing this selection? I'm using the online version and it is differ...
by tc101
Tue Feb 10, 2015 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1292

Re: Free TaxAct software

I paid the $12 so I can check out all the features.
When I click "Forms and topics" it gives me a list of forms, but it won't let me see all the forms at once.
When I click on schedule B or D it just takes me back to the questions but won't show me the form.
by tc101
Tue Feb 10, 2015 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1292

Re: Free TaxAct software

Next year, Tax Act will bring forward all of this year's info. So for the 1099s, you'll only have to enter the dollar amount.


Good to know.
by tc101
Tue Feb 10, 2015 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1292

Re: Vanguard and Turbo Tax

If I have a 1099-div from stock dividends, and 1099-int from banks and other sources, but did not sell any stock so do not have a 1099-B, do I still need the premier edition, or will the delux edition do?
by tc101
Tue Feb 10, 2015 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5150

Re: Free TaxAct software

It is time consuming to type in all the 1099-div and 1099-b info from Vanguard. Turbo tax imports this automatically. Tax Act makes you type it in yourself. I am half way through so I will stick with Tax Act but I will probably go back to Turbo Tax next year.
by tc101
Tue Feb 10, 2015 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1292

Re: Taxact ultimate version $6 - DEAL OVER

Well hopefully we didn't all just get scammed by some internet hacker!


Did anyone ever figure out if this was a scam or not?
by tc101
Sat Feb 07, 2015 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 2991

Re: Free TaxAct software

Great. I'm going with TaxAct then.
by tc101
Sat Feb 07, 2015 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1292

Re: Free TaxAct software

I didn't know about the online site. Thanks for the info. I guess I need to use the Deluxe version for $12.99 to import my data from last year, and I assume it will import data from Turbo Tax. Is that correct?
by tc101
Fri Feb 06, 2015 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1292

Free TaxAct software

There is a free downloadable version of TaxAct at Amazon. Link is below. People complain that they make you pay for filing a state return, but in Georgia because of my age I don't have to file a state return. Is there any other catch? http://www.amazon.com/TaxACT%C2%AE-2014-Free-Federal-Download/dp/...
by tc101
Fri Feb 06, 2015 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1292

Re: TurboTax turns off all state efiling to prevent fraud

What if you just change your vgd password every year after turbo tax imports the data?
by tc101
Fri Feb 06, 2015 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3246

Re: Inflation-adjusted SPIA annuity

Thanks for your thoughts. I resonate with the idea that there is not all that much to be learned. I'll wait until I'm older and then look into it.
by tc101
Sun Feb 01, 2015 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation-adjusted SPIA annuity
Replies: 9
Views: 1225

Inflation-adjusted SPIA annuity

I am 65 and don't plan to invest in annuities until I am 70. However I have noticed that investing a small amount in any asset type will make me pay much closer attention to it. So I am thinking about making a very small investment in an lnflation-adjusted SPIA. Two questions: 1. What is the smalles...
by tc101
Sat Jan 31, 2015 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inflation-adjusted SPIA annuity
Replies: 9
Views: 1225

Re: I just filed a Restrictive App at the SS office

Could I benefit from a restrictive app? I am 65. My wife is 60. She has higher social security earnings than me. I am retired. She is still working. I have not taken social security yet. For you to be able to file for a spousal benefit (which is what a restricted application is), your wife must hav...
by tc101
Fri Jan 30, 2015 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: I just filed a Restrictive App at the SS office
Replies: 39
Views: 2445

Re: I just filed a Restrictive App at the SS office

Could I benefit from a restrictive app?

I am 65. My wife is 60. She has higher social security earnings than me. I am retired. She is still working. I have not taken social security yet.

I have not thought about this much and find it confusing.
by tc101
Fri Jan 30, 2015 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: I just filed a Restrictive App at the SS office
Replies: 39
Views: 2445

Re: New car safety features

If a safety feature keeps me from an accident, to me it was 100% worth it, whether you express that as a ratio or a difference. On cars where things like blind spot monitor, back up camera, lane drift monitor, and front collision auto braking are optional, how much extra do you pay for these featur...
by tc101
Tue Jan 27, 2015 4:31 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3834

Re: Anyone regret paying off mortgage early?

No regrets. Glad I paid it off. The return from paying it off was greater than any other totally safe, fixed income investment.
by tc101
Mon Jan 26, 2015 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38945

New car safety features

In addition to better air bags and crash protection, there are some new smart car sensors and radar that help you avoid a collision in the first place. I am thinking seriously about spending the money to get some of these features. Here is a write up on these features: https://www.usaa.com/inet/page...
by tc101
Sun Jan 25, 2015 5:06 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3834

Android or iPhone? Which do you like, and why?

If you use a smart phone, do you use Android or iPhone (or Win Phone or something else) ? Why?
by tc101
Sun Jan 25, 2015 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Android or iPhone? Which do you like, and why?
Replies: 40
Views: 1906

Re: Malware problem on new PC

I would spend the time going through all the junk and bloatware on the machine and eliminate all of it.


Computers sold at the MS stores are free of the bloatware.
by tc101
Fri Jan 23, 2015 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2698

Re: Malware problem on new PC

I took my new computer back the the MS store and they gave me a refund. I got malware the first day from either a fake chrome download site, or a chrome add on. It just seems like too much of a struggle dealing with windows security problems. I will stick with my desk top linux machines, my ipad, an...
by tc101
Fri Jan 23, 2015 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2698

Re: Malware problem on new PC

Now I can't even get the computer to start. I tried several times. One time the Pro PC Cleaner came up and asked me to register. I am going to take the computer back to the store and either get a new computer of my money back. Some one mentioned installing chrome only from a legit site. Are there bo...
by tc101
Thu Jan 22, 2015 10:29 am
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2698

Re: Malware problem on new PC

However, they had a problem a year or two ago where people running it had their computers bricked.


What does it mean to have a computer bricked?
by tc101
Thu Jan 22, 2015 10:21 am
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2698

Malware problem on new PC

I haven't used a windows computer in years. Today I got a new win laptop. I got it from the MS store and it is supposed to be crapware free. The only thing I have installed is google chrome, but I think one of the add ons installed something called Pro PC Cleaner. It is some sort of scam software an...
by tc101
Wed Jan 21, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2698

Re: “How Does Aging Affect Financial Decision Making?”

This is a good article about dementia, which effects 30% of Americans over 85, and ways to deal with end of life once dementia kicks in http://www.nytimes.com/2015/01/20/health/complexities-of-choosing-an-end-game-for-dementia.html?action=click&contentCollection=Science&module=MostEmailed&am...
by tc101
Wed Jan 21, 2015 11:43 am
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2823

Re: “How Does Aging Affect Financial Decision Making?”

I've always thought someone should design a series of tests that specifically tests financial decision making ability. Then, a person could simply take a test each year and see how their abilities are tracking. And, get an idea if it's time for concern. That is a really great idea. If some boblehea...
by tc101
Tue Jan 20, 2015 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2823

Re: Reporter doing story on Turbo Tax Fracas

I've been using TurboTax but will try something new this year. Shoud I go with H&R or Tax Act? Is this discussed in another thread? Which one will import data from last year's TurboTax?
by tc101
Thu Jan 15, 2015 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7234

Re: TurboTax Premier now free (for some)

I am Voyager plus. Do I get a discount?
by tc101
Thu Jan 15, 2015 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier now free (for some)
Replies: 20
Views: 4001

Re: MS OneNote and other note software

Thanks for your help.
by tc101
Thu Jan 15, 2015 6:54 pm
 
Forum: Personal Consumer Issues
Topic: MS OneNote and other note software
Replies: 6
Views: 830

Re: MS OneNote and other note software

So OneNote doesn't do exactly what I want. What I want is an easier way to create folders, sub folders and files that show up in the regular file system tree view. Does such a product exist? I looked at evernote and it doesn't do it. I guess just doing by hand, clicking on the folders in windows exp...
by tc101
Thu Jan 15, 2015 12:17 pm
 
Forum: Personal Consumer Issues
Topic: MS OneNote and other note software
Replies: 6
Views: 830

MS OneNote and other note software

Is there any way to save all the notes from OneNote into folders and files that would show up in Windows Explorer in a tree view broken down into notebooks, sections, sub sections, files and so on in a logical tree view?

If not, is there some other note software that would allow you to do this?
by tc101
Wed Jan 14, 2015 4:35 pm
 
Forum: Personal Consumer Issues
Topic: MS OneNote and other note software
Replies: 6
Views: 830

Re: Dazed, Confused and Upset

You don't need to say a word to EJ. Just contact Vanguard and they will handle everything. Someone from EJ will probably call you. You can talk to them if you want, or just tell them you don't want to talk and hang up. If EJ delays the transfer in any way, make one call and tell them you are going t...
by tc101
Tue Jan 13, 2015 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6347

Re: Mice in the house

There is never just one mouse. Unless the cat brought it in, you probably have a mouse issue. How can you know that. There has to be a first mouse. How about this earlier post: If any more mice should enter the living space of your house the cat will take care of the problem. They really enjoy thei...
by tc101
Sun Jan 11, 2015 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5303

Re: Pull-ups and Push-ups

I'm 65. Not very strong. I can't do a pull up any more. A push up would hurt my bad wrist. I go to the gym and do light weights and machines because they are easier than body weight exercise. I go to the gym 2 or 3 times a week. I walk most days. There are big hills here. I have a pool and swim laps...
by tc101
Sun Jan 11, 2015 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 360
Views: 52519

Re: Mice in the house

I am the OP. Thanks everyone. You guys have convinced me that the glue traps are grotesque. I won't use them. There were no mouse noises last night. I think there was probably just that one mouse that got in the house and the cat killed it and that is the end of the problem. If we have more mice I w...
by tc101
Sun Jan 11, 2015 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5303

Re: Mice in the house

The JT Eaton recommended a few posts back is a rat trap

http://www.amazon.com/Eaton-410BULK-Pla ... H1S6591D09

Do they work on mice too?
by tc101
Sat Jan 10, 2015 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5303

Re: Mice in the house

Thanks everyone for your thoughts. I agree with the idea of not making animals suffer, but I am not perfect. How many of you are vegetarians? If you aren't, read about factory farming. You will probably agree that the suffering of the animals that we eat every day is greater than the suffering of a ...
by tc101
Sat Jan 10, 2015 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5303

Mice in the house

We've got mice. We heard them in the wall last night, and today found a dead one on the floor, probably killed by the cat. It has been super cold here, which may have driven them into the house. Maybe they will leave when it warms up. Maybe it was just that one that the cat killed. We had squirrels ...
by tc101
Sat Jan 10, 2015 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5303

Re: Stacked up some more silver bullion today

In my state (PA), there is no sales tax when you buy coins or bullion. This does vary by state, so if you're interested, you can look here: http://thecoinologist.com/sales-tax-sta ... breakdown/ If you look at the most popular precious metal websites, the spread between buying and selling varies su...
by tc101
Fri Jan 09, 2015 11:32 am
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11057

Re: Best online checking account

my preference is for the use of a brick and mortar bank for checking. ..... I see no advantage to seeking an online bank, but, obviously others feel differently. Most online banks now let you use any ATM and refund the fees. Brick and mortar banks don't do that. Most online banks also give you free...
by tc101
Thu Jan 08, 2015 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 5034

Re: Best online checking account

I just did a quick test. Ally gets me to real person faster than Capital One 360. Fidelity was slowest of all.
by tc101
Thu Jan 08, 2015 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 5034

Best online checking account

We had a topic about the best online savings bank, but I think there are enough differences that I should start a separate topic on checking. If the host disagrees, please feel free to combine these discussions. I have a friend who wants an online checking account. High interest rates are not an iss...
by tc101
Thu Jan 08, 2015 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 5034
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