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by tc101
Thu May 28, 2015 3:22 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads and international bonds
Replies: 4
Views: 356

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: 2282

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: 667

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: 667

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: 667

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: 52
Views: 4034

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: 9318

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: 267

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: 267

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: 52
Views: 4034

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: 4721

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: 2271

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: 1165

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: 1369

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: 5698

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: 1937

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: 3500

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: 3500

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: 925

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: 5969

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: 4583

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: 2868

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: 383
Views: 38833

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: 5208

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: 5082

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: 13738

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: 6673

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: 4677

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: 511

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: 511

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: 511

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: 444

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: 444

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?
by tc101
Mon Mar 02, 2015 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 14334

Re: How much did you have saved up for retirement at age 30?

When I was 30 I had noting saved for retirement. I started serious saving and investing about the time I was 32 and managed to retire about 55 but part of the reason was a modest inheritance and some lucky real estate investments.
by tc101
Thu Feb 26, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 10223

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 12:13 am
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 134
Views: 8772

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
Mon Feb 23, 2015 11:15 am
Forum: Personal Consumer Issues
Topic: LED light bulbs: on line shopping destination
Replies: 18
Views: 2134

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 10:25 am
Forum: Personal Consumer Issues
Topic: LED light bulbs: on line shopping destination
Replies: 18
Views: 2134

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
Fri Feb 20, 2015 10:09 pm
Forum: Personal Consumer Issues
Topic: Thoughts on replacing tires?
Replies: 60
Views: 4014

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 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 52
Views: 14640

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
Tue Feb 17, 2015 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance?
Replies: 38
Views: 3524

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
Wed Feb 11, 2015 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1518

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
Tue Feb 10, 2015 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1518

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 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1518

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 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1518

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 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5423

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 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1518

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
Sat Feb 07, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 3161

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 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1518

Re: Free TaxAct software

Great. I'm going with TaxAct then.
by tc101
Fri Feb 06, 2015 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1518

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?

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