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Peer to peer lending at Prosper and other sites

Several years ago we discussed this and I came to the conclusion that peer to peer lending was too risky. Have things changed? According to this article they have:

http://www.lendacademy.com/prosper-review/
by tc101
Tue Mar 11, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Peer to peer lending at Prosper and other sites
Replies: 2
Views: 471

Re: Goodbye HAL

My oldest desktop is 5 years old running linux ubuntu. I have an iPad and a newer desktop running Win 7. I still favor desktops for lots of things because of the larger screen, ease of typing on a bigger keyboard, and greater over all functionality.
by tc101
Sat Mar 01, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Goodbye HAL
Replies: 35
Views: 2301

Re: Please recommend a good Self Directed IRA provider

This is my situation. I am 64 and retired. In my state I can save about $2K on my house real estate tax if I am over 63 and have under $16K gross income on my federal tax form. Most of my investments are very tax efficient and I would be just under $16K except for one thing. I invest money with my b...
by tc101
Tue Feb 25, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please recommend a good Self Directed IRA provider
Replies: 4
Views: 326

Please recommend a good Self Directed IRA provider

I will explain the my situation in the next post, but my main purpose in this thread is just to ask if anyone here can recommend a good Self Directed IRA provider with reasonable fees and decent service.
by tc101
Tue Feb 25, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please recommend a good Self Directed IRA provider
Replies: 4
Views: 326

Re: How to buy a new car?

Attend a car show and find a few models that fit you and your needs. MAKE SURE that the vehicles are comfortable to get Into and out of. Sound like a good idea. Actually your whole post was full of good ideas. Thanks. Except: Avoid CarMax as the prices are generally higher than most dealers. That h...
by tc101
Thu Feb 06, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: How to buy a new car?
Replies: 29
Views: 2279

Re: How to buy a new car?

The "out the door price" is the absolute final cost for the car. If you are told the cost is say $30,000 but somehow they want to tag on some additional fees, that is when you walk out the door without the car. I believe that tax, tag and title is always separate from and in addition to &...
by tc101
Thu Feb 06, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: How to buy a new car?
Replies: 29
Views: 2279

Re: How to buy a new car?

I think car buying services as a whole are a bad deal and should be avoided


Why?
by tc101
Wed Feb 05, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: How to buy a new car?
Replies: 29
Views: 2279

Re: How to buy a new car?

Buying a Chrysler because you didn't like the sales process at a Ford dealership seems preposterous to me.


You are correct. I was feeling pretty moody when I wrote that.
by tc101
Wed Feb 05, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: How to buy a new car?
Replies: 29
Views: 2279

Re: How to buy a new car?

I just learned that AAA has a new car buying service. Has anyone here used this?
by tc101
Tue Feb 04, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: How to buy a new car?
Replies: 29
Views: 2279

How to buy a new car?

After our recent conversation here about the higher prices of used cars today I am thinking of maybe buying a new car. I stopped by a dealership to drive a Ford Taurus. The salesperson did all he could to keep me in the showroom and waste my time and never would give me a price. CarMax is so much ea...
by tc101
Tue Feb 04, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: How to buy a new car?
Replies: 29
Views: 2279

New car or used car

Ten years ago it was a much better deal to buy a used car 2-3 years old than a new car. Used car prices have gone up a lot in the last few years though. A frugal friend told me he recently bought the first new car of his life, because the economics had changed. What do you think?
by tc101
Thu Jan 30, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: New car or used car
Replies: 9
Views: 1056

Re: Age in Bonds - Who Follows a Different Strategy?

Age 64, 50/50 allocation in stocks/bonds, but there are other investments in real estate with my brother, amounting to about 25% of total net worth. Plus my house which is paid for, and SS which I will probably not take until age 70.
by tc101
Mon Jan 27, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Who Follows a Different Strategy?
Replies: 132
Views: 6591

Re: [Movie Reviews: I need a replacement for Roger Ebert]

I am thinking about going to see "12 Years a Slave" but I try to avoid movies with lots of intense graphic violence, torture and stuff like that. Just how much brutality do they show in "12 years a slave"? I almost avoided Schindler's List for this reason, but then went to see it...
by tc101
Mon Jan 27, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: [Movie Reviews: I need a replacement for Roger Ebert]
Replies: 16
Views: 1825

Re: Dating - Best Way of Meeting People

When I first posted a profile on OK Cupid, I left the income information blank. Some months later I added the income information in. The difference was absolutely astonishing and it totally soured me on the on-line dating scene. But look at it from another point of view. Why not screen out people w...
by tc101
Thu Jan 23, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: Dating - Best Way of Meeting People
Replies: 70
Views: 3758

Re: Dating - Best Way of Meeting People

Over 50% of single Americans are dating online. If I were single, that is what I would be exploring. I met my wife that way, back before there was public access to the internet, on AOL singles. You have to be patient. You will probably meet a lot of people you don't hit it off with, and will be reje...
by tc101
Thu Jan 23, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Dating - Best Way of Meeting People
Replies: 70
Views: 3758

Re: Alternate Sources of Income

Focus on one thing. Get very good at it. You will probably make the most money that way, and have the most fun.
by tc101
Thu Jan 09, 2014 1:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Alternate Sources of Income
Replies: 5
Views: 575

Re: New car now?

What about buying a 2-3 year old car? Doesn't that save you a lot of money?
by tc101
Wed Jan 01, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: New car now?
Replies: 44
Views: 2421

Re: Lots of ? market timing on bonds

I have commented on this several times over the years. Market timing bonds seems to be much more socially acceptable here than market timing stocks.
by tc101
Sun Dec 29, 2013 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Lots of ? market timing on bonds
Replies: 20
Views: 1363

Re: Car maintenance when driven only 1000 miles/year

Ok, a little different then... a bit older of a car. How many miles on the car?


132,000
by tc101
Fri Dec 27, 2013 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Car maintenance when driven only 1000 miles/year
Replies: 34
Views: 2155

Re: Car maintenance when driven only 1000 miles/year

This is a 1997 Mercury Grand Marquis. It belonged to my wife's father who died a year ago. The mother does not drive, but her housekeeper drives it to the store and doctors office about 1000 miles a year. I just checked the records and the oil was last change 18 months ago. There is no record of tra...
by tc101
Fri Dec 27, 2013 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Car maintenance when driven only 1000 miles/year
Replies: 34
Views: 2155

Car maintenance when driven only 1000 miles/year

If a car is only being driven about 1000 miles a year, how often should you change oil, tran fluid and coolant?
by tc101
Fri Dec 27, 2013 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Car maintenance when driven only 1000 miles/year
Replies: 34
Views: 2155

Re: Have you noticed Amazon often does not credit your refun

Maybe I just had bad luck. Have all the people who said they had no problems actually checked their credit card statements to see if there was a refund? The amazon web site said I got a refund, but it was never credited to my credit card account.
by tc101
Sat Dec 21, 2013 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you noticed Amazon often does not credit your refunds?
Replies: 26
Views: 2204

Have you noticed Amazon often does not credit your refunds?

This has happened to me twice. If I check my credit card statement, I find Amazon has not credited a refund. I call them, it takes a long time, and they fix it, but probably a lot of the time I don't catch it. Has this happened to you?
by tc101
Sat Dec 21, 2013 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you noticed Amazon often does not credit your refunds?
Replies: 26
Views: 2204

Re: Medicare info sources?

Thanks for those links. They give great general info, but don't give specific advice. On this board we give all kinds of specific advice about the best investment strategies, best banks, best fund companies and so on. I am looking for something like that which gives specific recommendations on medic...
by tc101
Fri Dec 20, 2013 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare info sources?
Replies: 18
Views: 845

Medicare info sources?

I am about to turn 64, so it is time to figure out medicare. I looked in the wiki and could not find anything other than very general info. I know I will need to make decisions about what medicare and supplemental insurance. I know nothing about it. How should I start researching this?
by tc101
Fri Dec 20, 2013 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare info sources?
Replies: 18
Views: 845

Re: Roku 3 gets youtube, but I can't add it.

I got the answer on the Roku forum. I just needed to upgrade the operating system, which I thought was done automatically.

YouTube on Roku 3 is not as good as just plugging my iPad into the TV and watching youtube that way.
by tc101
Thu Dec 19, 2013 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Roku 3 gets youtube, but I can't add it.
Replies: 2
Views: 563

Roku 3 gets youtube, but I can't add it.

Yesterday there were lots of news stories about how the Roku 3 could finally get youtube. I have not been able to add it though. Has anyone here added it?
by tc101
Wed Dec 18, 2013 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Roku 3 gets youtube, but I can't add it.
Replies: 2
Views: 563

Re: Signing up for health care

The insurance sold on the federal exchange has no payment for out of network docs. With the insurance I have now, I would have to pay for out of network docs until I hit my out of pocket max, then my insurance would pay. This is not true with the insurance offered on the exchange. This is a major co...
by tc101
Sat Dec 14, 2013 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21668

Re: POLL: How much time do you spend on this forum?

I don't know, but I spend too much time online. I would be happier if I spent more of that time reading books. There is something compulsive about online activity.
by tc101
Sat Dec 14, 2013 2:06 pm
 
Forum: Personal Consumer Issues
Topic: POLL: How much time do you spend on this forum?
Replies: 12
Views: 1015

Re: Signing up for health care

I finally got on the site and all my questions about price were answered when I filled out my application. I was having a problem because of a credit freeze due to identity theft, but I got that fixed and now the site seems pretty user friendly. I have 2 new questions. 1. Can I change plans a few mo...
by tc101
Thu Dec 12, 2013 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21668

Re: Signing up for health care

Great information. Thanks for your help.
by tc101
Thu Dec 12, 2013 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21668

Re: Signing up for health care

I am single, 63, retired and will only show income of about $25K next year. According to the Kaiser calculator for subsidies Household income in 2014:218% of poverty level Maximum % of income you have to pay for the premium, if eligible for a subsidy:6.92% Health Insurance premium in 2014 (for a sil...
by tc101
Thu Dec 12, 2013 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21668

Re: I'd like to challenge the logic behind a 'disaster fund'

I think you are correct. There can be a certain sense of stability that comes with cash in the bank, but as you point out, it is a kind of expensive illusion.
by tc101
Wed Dec 04, 2013 12:38 am
 
Forum: Investing - Theory, News & General
Topic: I'd like to challenge the logic behind a 'disaster fund'
Replies: 134
Views: 7039

Re: It's getting very hard to ignore the noise

pastafarian wrote:
tc101 wrote:Nobody on bogleheads was talking about 100% equities in 2009 when it actually would have been a good idea. There was lots of talk in 2009 about the all bond portfolio.

Not true, our friend Adrian Nenu...right here.


You are correct. I remember him doing that. He made the right call.
by tc101
Tue Dec 03, 2013 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: It's getting very hard to ignore the noise
Replies: 98
Views: 7902

Re: It's getting very hard to ignore the noise

Nobody on bogleheads was talking about 100% equities in 2009 when it actually would have been a good idea. There was lots of talk in 2009 about the all bond portfolio. In 2009 the thoughtful conservative people on bogleheads were talking about age in bonds as a good starting point in allocation. Tod...
by tc101
Mon Dec 02, 2013 11:12 pm
 
Forum: Investing - Theory, News & General
Topic: It's getting very hard to ignore the noise
Replies: 98
Views: 7902

Re: I might buy this car from car max

I think you'll find a relatively low percentage of seniors selling cars on craigslist, or even having cars sold for them by someone else. They're more likely to dispose of their cars other ways


What other ways? How would you look for a used car sold by a senior?
by tc101
Thu Nov 28, 2013 12:30 am
 
Forum: Personal Consumer Issues
Topic: I might buy this car from car max
Replies: 37
Views: 3066

Re: Short Term Bond Funds

What about the GNMA fund as part of the mix?
by tc101
Wed Nov 27, 2013 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Short Term Bond Funds
Replies: 51
Views: 5536

Re: I might buy this car from car max

I think I am going to wait on buying the Merc Marquis at Car Max. First I'll see what I can find from a local seller. Somebody mentioned the possible problem of getting parts for a car like the Merc Marquis which is no longer being made. Is this a potential problem? Have there been problems in the p...
by tc101
Wed Nov 27, 2013 10:56 am
 
Forum: Personal Consumer Issues
Topic: I might buy this car from car max
Replies: 37
Views: 3066

Re: I might buy this car from car max

This car was a fleet/rental car according to the report. Is that a problem? Here is the report: 01/19/2010 Independent Source VEHICLE MANUFACTURED AND SHIPPED TO DEALER 01/25/2010 ORLANDO, FL Motor Vehicle Dept. REGISTRATION EVENT/RENEWAL (Leased Vehicle) TITLED OR REGISTERED AS A RENTAL VEHICLE, OR...
by tc101
Mon Nov 25, 2013 2:54 pm
 
Forum: Personal Consumer Issues
Topic: I might buy this car from car max
Replies: 37
Views: 3066

Re: I might buy this car from car max

My thought is you could (probably) make a lot of repairs to the 2003 Ford Crown Vic over the next 6 years for a lot less than $12,998 for the little things that are going wrong. You are correct, but there is the hassle factor. It is unpleasant taking the car in for repairs, even possibly getting st...
by tc101
Mon Nov 25, 2013 11:05 am
 
Forum: Personal Consumer Issues
Topic: I might buy this car from car max
Replies: 37
Views: 3066

Re: I might buy this car from car max

Last time I was looking at used cars was 6 years ago. At that time, Carmax had prices better than or equal to most dealers. You can get a better price from an individual, but I can't find the car I want in the local market from individuals. Also, carmax has a deal that lets you return the car and ge...
by tc101
Mon Nov 25, 2013 10:48 am
 
Forum: Personal Consumer Issues
Topic: I might buy this car from car max
Replies: 37
Views: 3066

Re: I might buy this car from car max

>>> Just curious, was this a fleet car, or individually owned?

I don't know. How do you look that up with the VIN?
by tc101
Mon Nov 25, 2013 1:18 am
 
Forum: Personal Consumer Issues
Topic: I might buy this car from car max
Replies: 37
Views: 3066

Re: Safest cars for under $30k?

Single most important thing you can do to improve driving safety is to never ever drive drunk. A close second is to never ever talk on a phone while driving. Most people see avoiding drunk driving as a no brainer. Most people make excuses about talking on a phone.
by tc101
Sun Nov 24, 2013 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Safest cars for under $30k?
Replies: 40
Views: 2610

I might buy this car from car max

I am thinking about buying this car from car max. [Link containing personally identifiable info removed by admin LadyGeek. It's a 2010 Mercury Grand Marquis LS 4D Sedan, 54k miles, 2 WD, $12,998.] I have a 2003 Ford Crown Vic now. I bought it 6 years ago and I like it, but now little things are star...
by tc101
Sun Nov 24, 2013 10:46 pm
 
Forum: Personal Consumer Issues
Topic: I might buy this car from car max
Replies: 37
Views: 3066

Re: Retiring at 50

I retired at age 54. First few months were like being a kid out of school for the summer. Great fun. Then there were some disappointments. I went to art school and found I didn't really like it. Same thing with creative writing classes. I got depressed. I think this is a common stage that people don...
by tc101
Thu Nov 21, 2013 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Retiring at 50
Replies: 67
Views: 8181

Re: Replace iPod battery

My positive view of apple is changing. Can you replace the battery in non apple tablets?
by tc101
Thu Nov 21, 2013 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Replace iPod battery
Replies: 7
Views: 372

Replace iPod battery

I got my ipod touch in 2008. I usually keep it plugged into a power source, because the only place I listen to it is in the car, plugged into the USB in my radio. I sometimes use it as a timer, and I have noticed the battery runs down really quickly. I called an apple store and they said they don't ...
by tc101
Thu Nov 21, 2013 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Replace iPod battery
Replies: 7
Views: 372

Re: [Can you recommend]A spectacular movie, and a terrible m

If you are part of the small minority of people who think that discovering algae under the ice of Europa would be one of the most important discoveries in human history, you would probably enjoy the movie "Europa Report" which you can stream from Netflix. This is realistic science fiction ...
by tc101
Sun Nov 17, 2013 3:12 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 9143

Re: How to figure out your leverage comfort RE vs stocks?

Code: Select all
I'm probably atypical in that regard.


I think you are normal. Even 100% stocks unleveraged is too much risk for most people over 30.
by tc101
Thu Nov 07, 2013 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: How to figure out your leverage comfort RE vs stocks?
Replies: 2
Views: 289

Re: Private Money Lending

I made a pretty good chunk of money, but I wouldn't want to go through that again. That's the way I feel about real estate transactions. It is stressful, and I don't want to deal with it. You made $30K with probably less than 40 hours total work, and ideally that seems like a great deal, but for me...
by tc101
Wed Nov 06, 2013 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Private Money Lending
Replies: 102
Views: 7620
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