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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 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 279
Views: 20880

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
Fri Mar 27, 2015 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: If you had 1 [investing] book to recommend...
Replies: 42
Views: 3397

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
Sat Mar 21, 2015 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Google voice
Replies: 57
Views: 4363

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

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

No.
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: 12781

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
Wed Mar 11, 2015 10:35 am
 
Forum: Investing - Theory, News & General
Topic: If 2% is real, we are . . . . ?
Replies: 63
Views: 6240

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
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: 4274

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 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Online missed my capital loss carry over !!!
Replies: 5
Views: 482

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 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Online missed my capital loss carry over !!!
Replies: 5
Views: 482

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 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Online missed my capital loss carry over !!!
Replies: 5
Views: 482

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 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on Turbo Tax Online
Replies: 8
Views: 393

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
Sun Mar 08, 2015 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on Turbo Tax Online
Replies: 8
Views: 393

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
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: 13219

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: 9309

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: 134
Views: 8028

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: 2060

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: 2060

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: 3590

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: 14014

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: 3323

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: 1446

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: 1446

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: 1446

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: 1446

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: 5265

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: 1446

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: 3065

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: 1446

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: 1446

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: 1446

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: 3327

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: 1265

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: 1265

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: 2528

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: 2528

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: 3904

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: 39410

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: 3904

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: 1931

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: 2709

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: 2709

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: 2709

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: 2709

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: 2709

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: 2874

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: 2874

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: 7288

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: 4073

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: 846

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: 846
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