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Re: I need "Ultra High Net Worth" investing advice please

Toto238 sums it up so well in just a few sentences that I don't have much to add, other than to repost what he said below. More words do not translate into more useful knowledge. My one disagreement is his saying to us all munis for bonds. I would say that just in case you have the black swan event ...
by tc101
Tue Aug 26, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15233

Re: Best iPhone deal for light user

What are some of the main points to consider when deciding between and iPhone and a Samsung Galaxy? I am probably going to get an iPhone since I already have an iPad and an iPod touch, but I am curious about the pros and cons of other phones.
by tc101
Sun Aug 24, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2337

Re: Best iPhone deal for light user

I want to be able to change providers. I don't want to be locked into a long term contract.
by tc101
Sat Aug 23, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2337

Re: Best iPhone deal for light user

What do I get with an iPhone 5 that I don't get with iPhone 4?
by tc101
Sat Aug 23, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2337

Re: Best iPhone deal for light user

I see internet access is listed in terms of data, with 100MB the lowest on most sites. Like I said, most of my internet access would be wifi, but if once a week I checked a map program for directions, checked my email and responded to a few emails, and looked at a movie schedule, would that be will ...
by tc101
Sat Aug 23, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2337

Re: Best iPhone deal for light user

I think I will go with Apple iPhone, just because I am more familiar with that technology. I have an iPad and an iPod touch, so there will be less of a learning curve.
by tc101
Sat Aug 23, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2337

Best iPhone deal for light user

I am going to get an iPhone. I would probably talk on it about 200 minutes per month, send one text a day, and be connected to the internet 30 minutes a month. Most of my internet connection would be with wifi.

For that amount of usage, what is the best provider plan for me?
by tc101
Sat Aug 23, 2014 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2337

Re: Signing up for medicare Oct 1

If you don't get a drug plan, I know there is something called the doughnut hole. What is the maximum out of pocket you could possibly pay if you don't get a drug plan?
by tc101
Sat Aug 23, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 19
Views: 1752

Re: Signing up for medicare Oct 1

I've been warned that it can be difficult to find a specialist when needed. For that reason, and because I like the idea of a max out-of-pocket, I am seriously considering going with an MA after all.


I hadn't thought of that. I need to look into it.
by tc101
Thu Aug 21, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 19
Views: 1752

Re: Signing up for medicare Oct 1

I am thinking I will go with Medicare Advantage for the main reason that it is the only thing I can find with a maximum Out-Of-Pocket. I don't think either the Medicare Supplements or original Medicare have a max OOP. Medicare supplement, plan F, has a maximum out of pocket, as a set deductible, or...
by tc101
Thu Aug 21, 2014 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 19
Views: 1752

Signing up for medicare Oct 1

I live in Georgia. I turn 65 in January, so I can sign up for medicare Oct. 1. I have decided to sign up for medicare A & B, get medicare supplement plan F, and drug plan D. The only thing I have not decided is which drug plan, and if I will get plan F with a deductible or not. My understanding ...
by tc101
Thu Aug 21, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 19
Views: 1752

Re: Why aren't annuities better than investment drawdowns?

Where is the best place online to shop for and compare annuities?
by tc101
Thu Aug 21, 2014 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: Why aren't annuities better than investment drawdowns?
Replies: 46
Views: 2899

Re: Is a big war coming ???

I don't know much about this so please excuse my ignorance. It seems to me that if you think commodities are going up, it would make the most sense to buy low cost index funds and etfs from Vanguard that invest in companies that will profit if commodities go up. The 3 examples that come to mind are ...
by tc101
Tue Aug 19, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Is a big war coming ???
Replies: 37
Views: 3809

Re: Is a big war coming ???

If you wanted to invest in commodities, how would you do it? There is a vanguard materials etf. PowerShares DB Commodity Index Tracking Fund (DBC) is highly rated. Vanguard has precious metals fund and energy fund. I'm not sure of the arguments here, but if I did decide to make a small bet on commod...
by tc101
Tue Aug 19, 2014 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Is a big war coming ???
Replies: 37
Views: 3809

Re: Flood proofing a basement

Concerning a cofferdam, I could do that in an hour or so. I could drive to home depot, buy some concrete blocks and some waterproof putty. I wouldn't even need to deal with concrete, and would be able to remove it when I decided on a more permanent solution. I will probably do that some time soon.
by tc101
Sat Aug 16, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1819

Re: Flood proofing a basement

My camera is not working, so I can't post photos for now. I have gotten such great info from you all. Thank you. This is complicated enough that I am getting a professional company to look at it. But I have learned so much from this discussion that I will be able to talk to them much more intelligen...
by tc101
Fri Aug 15, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1819

Re: Flood proofing a basement

>>> Is the water at the back door from direct rain falling on the low area, or overland flow that ends up in the low area?

Both, but more overland flow.

Thanks everyone. This has been very useful. I will get some pictures tomorrow.
by tc101
Thu Aug 14, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1819

Re: Flood proofing a basement

>>> Have you had a plumber run a camera down the drain to see if there are any obstructions? I guess that is the first logical step. I just did a google on "pipe scoping atlanta" and called the first company that came up, called "Rooter Plus". The odd thing is that they would not...
by tc101
Thu Aug 14, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1819

Flood proofing a basement

I have a basement with a door that opens to a low area with poor drainage. There is an underground drain pipe in the low area that takes away the water when it rains. Every few years, when there is a super hard rain, the drain pipe is not adequate to carry away all the water and the basement floods....
by tc101
Thu Aug 14, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1819

Re: Free Personal Finance course via Coursera

I have taken several Coursera courses. I have mixed feelings. If the lecturer is very dynamic and there are lots of interesting discussions in the forums it can be worth while. But in taking some courses I became aware of how much faster I can read than talk or listen. For lots of things it seems mu...
by tc101
Mon Aug 11, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Personal Finance course via Coursera
Replies: 4
Views: 504

Re: Body by Science Workout

Clarence Bass has a good site on the benefits of exercise at older ages. Lots of information and he keeps up with the research. http://www.cbass.com Thanks. There is a huge amount of good info there. Some of it is overly wordy. I find myself skimming through the articles looking for the meat, but t...
by tc101
Sat Jul 26, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 239
Views: 25288

Re: Body by Science Workout

One more thought on this. I realize I like to exercise and would miss doing it every day. I may switch to weights once a week, but I think I will keep swimming and walking every day.
by tc101
Fri Jul 25, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 239
Views: 25288

Re: Body by Science Workout

Thanks for your response Rolyatroba. I am already a regular exerciser. I do weights twice a week and aerobics 2-3 times a week. This seems to work pretty well. The thing I am wondering about is if I will get better results by shifting to a super hard but brief weight workout just once a week, and re...
by tc101
Thu Jul 24, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 239
Views: 25288

Re: Body by Science Workout

Is there any research on how this works as you age? I am 64. In related articles on line they also talk about High Intensity Interval Training, in which you do an activity like cycling as fast as you can for 30 seconds, then rest, then repeat. Is there research about how that works for someone my age?
by tc101
Thu Jul 24, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 239
Views: 25288

Re: Continue subscribing to local newspaper?

I think subscribing to a local newspaper can be seen as a type of charitable donation. I think it is important for newspapers to survive. They do lots of investigative journalism and uncover local corruption. If the local newspapers die out, small scale local corruption will not be exposed. I would ...
by tc101
Sun Jul 13, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6386

Re: Ditch car and commute to work in 250cc scooter in Raleig

No no no. Those things are dangerous. Very dangerous. Very very dangerous.

Do some googling and get the exact statistics.

DANGER !!!!
by tc101
Sat Jul 12, 2014 8:04 pm
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 79
Views: 6628

Re: Am I Nuts?

Am I Nuts?


Most people are nuts. Life is short. Don't worry. Be happy.
by tc101
Thu Jun 26, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2760

Re: Modeling the Worst Case for Stocks

Worst case is ..... This is fun. I'll give it a shot. Worst case is extermination of the human race by asteroid or plague or atomic war, and then we find out that the scariest stories about hell and eternal damnation are true, and we are all going there because none of us made the right guess about ...
by tc101
Thu Jun 26, 2014 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: Modeling the Worst Case for Stocks
Replies: 41
Views: 3145

Re: Retirement age for software engineers

I disagree with the posters who say there is some kind of irrational prejudice or ageism against older workers. I think there is a genuine decline in ability. I know that is painful to look at, but I believe it is a fact. I retired when I was 54, and my ability to quickly learn and create with new s...
by tc101
Tue Jun 24, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9794

Re: Investment Withdrawals - Behavioral Aspect

... Second suggestion is more my personal opinion. Too much emphasis is placed on the fear of outliving our nest-egg. I think there is at least an equal likelihood of just the opposite. Yes, some people make it into their 90's, but the majority do not... True but (also personal opinion) it's better...
by tc101
Tue Jun 24, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Investment Withdrawals - Behavioral Aspect
Replies: 14
Views: 974

Re: Any other retirees moving money out of Vanguard?

I just choose, at this point in time, to not own a bond fund with a significant mix of MBS since as interest rates go up their effective duration goes up. Is this a well know fact, that for MBS as interest rates go up their effective duration goes up? If so, is that built into the price? Is aversio...
by tc101
Sat Jun 21, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any other retirees moving money out of Vanguard?
Replies: 54
Views: 6236

Re: Best Fixed Income Investment - Morningstar article

In my Vanguard IRA I have short term investment grade fund and intermediate term investment grade fund. Does it make sense to replace either of these with 5 year CDs from Vanguard in the IRA brokerage account?
by tc101
Fri Jun 20, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: [Morningstar article] the best fixed income investment
Replies: 55
Views: 3937

Re: Car inspection on Carmax car

For those of you saying to buy new instead of from Carmax, I've been looking at 2011-2012 Altimas with <20K miles and they're going for $18-20K at Carmax. To get a similar new 2014 Altima, I'd pay $25K. Isn't the $5K difference the point of buying lightly used? I don't understand your argument to b...
by tc101
Thu Jun 19, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car inspection on Carmax car
Replies: 24
Views: 1748

Re: Car inspection on Carmax car

Apparently the masses are wrong, because sky blue is obviously an awesome color.


I agree. I like the sky blue just fine. It was the leather seats that turned me off.
by tc101
Wed Jun 18, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car inspection on Carmax car
Replies: 24
Views: 1748

Re: Car inspection on Carmax car

They had a merc marquis(same car), 2008, with only 16K miles. These cars are popular with old people and it probably was just driven back and forth to the store, 2K miles a year. Is a car that is driven that little likely to have some problem caused by the super low mileage?
by tc101
Wed Jun 18, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car inspection on Carmax car
Replies: 24
Views: 1748

Re: Car inspection on Carmax car

I'm glad you didn't buy the CarMax car. I inspected a CarMax car about a year ago. It was only a few years old, but the underbody rust on the car was amazing. Even aluminum parts and screws in the engine bay were coated in white oxidation. I'd love to know where the car had been, because I've never...
by tc101
Wed Jun 18, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car inspection on Carmax car
Replies: 24
Views: 1748

Re: Car inspection on Carmax car

I test drove the car and decided against it. I don't like leather seats. My current car is OK. I can take my time and find exactly what I want.
I think this car was cheap because it was an unpopular color, sky blue.
by tc101
Wed Jun 18, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car inspection on Carmax car
Replies: 24
Views: 1748

Re: Car inspection on Carmax car

Do most mechanics do oil analysis or do you have to go to a special place? This is the car I am thinking about buying http://origin-www.carmax.com/enus/transfers/default.html?sn=10443476&name=Tom+Carr&scname=Chris+678+472+5016&scemail=chris_c_schutte@carmax.com&scphone=(678)+472-5016...
by tc101
Wed Jun 18, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car inspection on Carmax car
Replies: 24
Views: 1748

Re: Car inspection on Carmax car

It is pretty clear that Carmax no-haggle prices are higher than even dealer prices after haggling In my shopping for a 2011 Crown Vic the prices are about the same. I know you can save money getting a car from an individual, but this particular car is hard to find. Most of them are fleet cars from ...
by tc101
Wed Jun 18, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Car inspection on Carmax car
Replies: 24
Views: 1748

Car inspection on Carmax car

Carmax claims to do an elaborate inspection on all the cars they sell. If you bought a 2011 car with 45K miles from Carmax, would you have an independent mechanic inspect it? I talked to my mechanic and they said that the main thing they would do is a test drive, put it on the rack and look for leak...
by tc101
Wed Jun 18, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Car inspection on Carmax car
Replies: 24
Views: 1748

Re: Cutting the cable cord - how did you do it?

One more thing - reading more books and spending less time in front of screens.
by tc101
Mon Jun 16, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4478

Re: Cutting the cable cord - how did you do it?

Netflix, roku, antenna. I don't miss cable at all.
by tc101
Sun Jun 15, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4478

Re: GoDaddy - Any better options for website hosting?

Is it a simple static web site, or something interactive that needs a database or server code?
For a simple static web site, look at fastmail.fm, which is very very cheap.
by tc101
Tue Jun 10, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 21
Views: 3222

Home security systems

What is the best deal on home security systems? There have been some burglarys in the neighborhood recently and I am thinking about a burglar alarm. We already have smoke detectors.
by tc101
Fri May 30, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home security systems
Replies: 23
Views: 2102

Re: Are hybrid cars a good idea yet?

Does anyone know anything about the Ford EcoBoost engine? It is not part of a hybrid or electric system but is supposed to get superior gas mileage.
by tc101
Fri May 30, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8285

Re: Medicare Supplement for 2014

I live in Georgia. I turn 65 in Jan, 2015 I have tentatively decided to get medicare supplement rather than medicare advantage during my open enrollment period. My reason is that, if I understand this correctly, I can always change to medicare advantage later, but if I have some preexisting conditio...
by tc101
Thu May 29, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement for 2014
Replies: 14
Views: 1971

Re: Are hybrid cars a good idea yet?

is there a difference in cost of repairs or frequency of repairs?
Does a hybrid have less power? If so, is that lower power a problem in situations like getting onto the expressway?
by tc101
Thu May 29, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8285

Re: Are hybrid cars a good idea yet?

I am thinking about the Ford Fusion Hybrid, which is highest rated
hybrid by US News.

http://usnews.rankingsandreviews.com/ca ... brid-Cars/
by tc101
Thu May 29, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8285
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