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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: 4
Views: 242

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: 2328

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: 2328

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: 3692

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: 306
Views: 37344

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: 3692

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: 1852

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: 2627

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: 2627

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: 2627

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: 2627

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: 2627

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: 2769

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: 2769

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: 7134

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: 3931

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: 818

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: 818

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: 818

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: 6288

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: 5117

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: 356
Views: 51051

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: 5117

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: 5117

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: 5117

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: 5117

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: 11022

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: 4907

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: 4907

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: 4907

Re: What to do when smart phone stolen

The phone was an LG G3. I am on a plan with some other people and I have been told the best thing for me to do is get an unlocked phone and get it set up on that plan. I can get a new one unlocked from AT&T for $575 or on Amazon for $440. I can take the one from Amazon to AT&T and get a sim ...
by tc101
Thu Jan 08, 2015 11:23 am
 
Forum: Personal Consumer Issues
Topic: What to do when smart phone stolen
Replies: 15
Views: 2051

Re: Stacked up some more silver bullion today

What is the total spread, including sales taxes if any, between the buying and selling price?
by tc101
Wed Jan 07, 2015 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11022

Re: Transcendental meditation

Good basic 4 minute meditation instructions on youtube

https://www.youtube.com/watch?v=TzhmktSOPOw
by tc101
Tue Jan 06, 2015 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Transcendental meditation
Replies: 38
Views: 2298

Re: Transcendental meditation

I would steer clear of TM. Lots of ways to meditate without paying the big bucks. There are traditions that go back thousands of years that don't come with the high price tag. Your local adult education program may have something.


I agree. TM is expensive and does not have a good reputation.
by tc101
Tue Jan 06, 2015 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Transcendental meditation
Replies: 38
Views: 2298

Re: Transcendental meditation

I meditate daily. I have for years. It has helped me a lot. You can learn it from a book or a teacher, but don't pay lots of money. It is good to meditate with a group to help you establish self discipline at first. If you can find a good teacher to talk to it is useful but not absolutely necessary.
by tc101
Tue Jan 06, 2015 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Transcendental meditation
Replies: 38
Views: 2298

Re: Best Online Savings bank

I have used Ally for years and like them, but their rates are a little lower than some of the others. Only .85% for a MMF fund. 2% for 5 year CDs. I may open an account somewhere else when my current Allly CDs come due.
by tc101
Tue Jan 06, 2015 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 50
Views: 7468

What to do when smart phone stolen

My smart phone was stolen. I called AT&T and had them lock it. I had a bank app on it and I changed that password. I had uber car app and changed that password. Is there anything else I should do?

There was no personal info on the phone that I can think of.
by tc101
Mon Jan 05, 2015 9:36 pm
 
Forum: Personal Consumer Issues
Topic: What to do when smart phone stolen
Replies: 15
Views: 2051

Re: What will be the biggest investment surprises of 2015?

SETI will identify an alien civilization broadcasting from a star thousands of light years away. This will totally change humanity's view of our place in the universe. People will be awe struck. After a period of amazement and shock, people will become more relaxed and happy. They will drink less al...
by tc101
Fri Jan 02, 2015 10:13 pm
 
Forum: Investing - Theory, News & General
Topic: What will be the biggest investment surprises of 2015?
Replies: 82
Views: 7984

What do you drive, and why?

I'll start. I drive a 2003 Ford Crown Vic with about 120K miles. I bought it when it was 3 years old in 2006. I drive it because - It has great leg room and I am tall and have long legs It is reliable. Mechanics tell me what great cars Crown Vics are It is big and feels comfortable and safe I like t...
by tc101
Wed Dec 31, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17369

Re: How hard is it to redeem CDs from Vanguard Brokerage

I can buy a 5 year CD yielding 2.25% from Vanguard, or 2% from Ally. If I need the money before 5 years I can redeem the Ally CD for 150 days interest, or about 1%. How does this compare with what it would cost me to redeem the CD from the Vanguard brokerage account? If I think there is about a 50%...
by tc101
Tue Dec 30, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How hard is it to redeem CDs from Vanguard Brokerage
Replies: 10
Views: 780

Re: How hard is it to redeem CDs from Vanguard Brokerage

You can beat Ally's 2% without having to do a Vanguard brokered. Some examples (Yes I looked recently) - all 5-Year CDs: - CIT @ 2.3% with a 12-month early-penalty - Synchrony Bank @ 2.25% with a 180-day penalty - GE Capital @ 2.25% with a 270 day penalty - Barclay's @ 2.25% If you are going with A...
by tc101
Tue Dec 30, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: How hard is it to redeem CDs from Vanguard Brokerage
Replies: 10
Views: 780

How hard is it to redeem CDs from Vanguard Brokerage

I can buy a 5 year CD yielding 2.25% from Vanguard, or 2% from Ally. If I need the money before 5 years I can redeem the Ally CD for 150 days interest, or about 1%. How does this compare with what it would cost me to redeem the CD from the Vanguard brokerage account? If I think there is about a 50% ...
by tc101
Tue Dec 30, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: How hard is it to redeem CDs from Vanguard Brokerage
Replies: 10
Views: 780

Re: Why Does The 60/40 Work So Well?

I am 50/50. I am 64 years old, retired, and don't want the risk of a higher stock allocation.
by tc101
Tue Dec 30, 2014 12:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Does The 60/40 Work So Well?
Replies: 31
Views: 4763

Re: Protecting your Windows system from malware

In a nutshell the article says if you keep Adobe Flash, Adobe Acrobat/Reader , Java JRE, and Internet Explorer updated you will virtually eliminate the risk from 99+% of the commercial exploit kits being used.


What is Java JRE? Do you need it? Can you just delete it or turn it off?
by tc101
Sat Dec 27, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Protecting your Windows system from malware
Replies: 44
Views: 5176

Stable value funds - is there a catch?

My friend who worked for the city of Atlanta has a stable value fund that pays 3% and keeps a stable value. I read about how this works in the wikipedia article, but I still don't understand it. From wikipedia: They offer principal preservation, predictable returns, and a rate higher than similar op...
by tc101
Sat Dec 27, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Stable value funds - is there a catch?
Replies: 13
Views: 1483

Android smart phone technical question

I am trying out several different pod cast apps on my LG G3 to see which I like best. If I have the same podcast downloaded by 3 different podcast apps, are 3 different copies downloaded, taking up three times the space, or is just one copy downloaded, with all 3 apps accessing the same copy of the ...
by tc101
Fri Dec 26, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Android smart phone technical question
Replies: 2
Views: 591

Re: What to do with Vanguard variable annuity?

Thanks for your help everyone. I now understand that I should leave the money in the annuity. I will eventually call the annuity department and ask what my options are for annuitizing. I understand that there is no hurry about any of this .
by tc101
Thu Dec 25, 2014 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with Vanguard variable annuity?
Replies: 8
Views: 852

Re: How to get best battery life in smart phones and tablets

From now on I am always going to ask if the battery can be replaced before I buy any phone or pad. That will rule out any apple products for now. I have an old ipod that still works just fine for playing podcasts in the car. I don't want to buy a new one. I would not buy a TV or refrigerator that ha...
by tc101
Thu Dec 25, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: How to get best battery life in smart phones and tablets?
Replies: 13
Views: 2391

Re: What to do with Vanguard variable annuity?

Other details.
I plan to buy a fixed annuity some day, but probably not until I am at least 70 years old.
I will not take social security until I turn 70.
I have plenty of retirement money, but am in a low tax bracket because the money is in IRAs, and taxable stock stock index funds.
by tc101
Wed Dec 24, 2014 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with Vanguard variable annuity?
Replies: 8
Views: 852
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