Search found 2658 matches

by tc101
Mon Jun 29, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 33
Views: 4016

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: 33
Views: 4016

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: 33
Views: 4016

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: 33
Views: 4016

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: 33
Views: 4016

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: 235
Views: 14456

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 Finance (Not Investing)
Topic: Best place to order business cards
Replies: 6
Views: 1008

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: 3721

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: 3721

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: 1361

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: 2505

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: 2505

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: 2505

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: 2505

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: 2505

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: 6537

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: 17
Views: 1830

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: 1491

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: 2604

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: 938

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: 938

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: 938

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: 54
Views: 5107

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: 10506

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: 508

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: 508

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: 54
Views: 5107

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: 5047

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: 2580

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: 1307

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: 1556

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: 6298

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: 2157

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: 3855

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: 3855

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: 1088

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)
by tc101
Wed Apr 01, 2015 9:08 pm
Forum: Investing - Theory, News & General
Topic: The Detriments of Rebalancing
Replies: 67
Views: 6309

Re: The Detriments of Rebalancing

I think it helps me psychologically. Since I get in the habit of selling from my winners and buying my losers, I am less likely to panic and do the opposite in a downturn.
by tc101
Tue Mar 31, 2015 1:50 pm
Forum: Personal Consumer Issues
Topic: Tesla to start making Batteries for Home Solar
Replies: 61
Views: 4853

Re: Tesla to start making Batteries for Home Solar

A problem with renewables is that when the sun doesn't shine or the water does run or wind doesn't blow there is no generation. And when the sun shines, water runs, and wind blows you may not need the power. Right. So if we have better batteries to store power when its generated and then use it whe...
by tc101
Tue Mar 31, 2015 8:45 am
Forum: Investing - Theory, News & General
Topic: Negative Yields Hit US Treasury Markets
Replies: 17
Views: 3053

Re: Negative Yields Hit US Treasury Markets

There were negative yields on treasuries back in September 2014

http://www.wsj.com/articles/treasury-bi ... 1411516748
by tc101
Fri Mar 27, 2015 8:32 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 390
Views: 45358

Re: Schwab Intelligent Portfolios [now live]

Schwab has a terrible history of bait and switch.

Ask a Schwab adviser why the fees on the Schwab 1000 fund are so much higher than the total market fund and the S&P 500 fund.
by tc101
Fri Mar 27, 2015 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 51
Views: 5621

Re: If you had 1 book to recommend...

Four Pillars of Investing by Bernstein

Just read these 3 chapters to start -

The market is smarter than you are
Your broker is not your buddy
Neither is your mutual fund
by tc101
Sat Mar 21, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 5685

Google voice

I am reading about google voice. Is there any reason not to sign up for it to experiment? If I associate my existing phone numbers with it, will it cause me to get any unwanted phone solicitations, cost me any money, or cause me any kind of problem?
by tc101
Fri Mar 13, 2015 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Do you really need 2.5 million to retire well?
Replies: 121
Views: 14174

Re: Do you really need 2.5 million to retire well?

"Do you really need 2.5 million to retire well?"

No.
by tc101
Wed Mar 11, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: If 2% is real, we are . . . . ?
Replies: 63
Views: 6860

Re: If 2% is real, we are . . . . ?

I might as well spend all my money and live off the government when I get old. What's the point? You can survive on social security. Anything you save will add to that. Just continue saving and investing and modify your life style as needed when you retire. Lots of people live on social security an...
by tc101
Mon Mar 09, 2015 1:05 pm
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 4989

Re: If you could send an investment message 10 years in the

Sell all stocks Oct 2007 then buy Ford Motor Co Jan 2009 then sell it when it gets to $16 in Dec 2010, then buy Apple
by tc101
Sun Mar 08, 2015 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Online missed my capital loss carry over !!!
Replies: 5
Views: 809

Re: Turbo Tax Online missed my capital loss carry over !!!

I would like to report the bug to Turbo Tax, but don't know how.
by tc101
Sun Mar 08, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Online missed my capital loss carry over !!!
Replies: 5
Views: 809

Re: Turbo Tax Online missed my capital loss carry over !!!

Same here - Turbo Tax online premier. It imported data from last years taxes which were saved on my hard drive from using TT installed last year. Maybe that is the difference. If it worked for you, did you use TT online or TT installed last year?
by tc101
Sun Mar 08, 2015 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Online missed my capital loss carry over !!!
Replies: 5
Views: 809

Turbo Tax Online missed my capital loss carry over !!!

Turbo Tax Online missed my capital loss carry over !!! I might not have noticed this except I did my taxes in both Turbo Tax online and Tax Act and compared. I was able to enter the capital loss carry over in Turbo Tax, but Tax Act did it automatically. Turbo Tax did it automatically last year, but ...
by tc101
Sun Mar 08, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Turbo Tax Online
Replies: 8
Views: 674

Re: Question on Turbo Tax Online

I just paid with my credit card, but I don't see how to print the form or save the PDF.
by tc101
Sun Mar 08, 2015 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Question on Turbo Tax Online
Replies: 8
Views: 674

Question on Turbo Tax Online

After I pay for Turbo Tax online, do I have to file right away?

Can I print my tax form, look it over, make changes, save it as a PDF, wait a week, make more changes, print it again, and so on?

Go to advanced search