Search found 2774 matches

by tc101
Sat Jul 23, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Binding Arbitration and Class Action Waiver
Replies: 2
Views: 287

Binding Arbitration and Class Action Waiver

I just got an email from Microsoft containing their terms of use changes. It contains a Binding Arbitration and Class Action Waiver. I got something similar in the mail yesterday from my bank. I have read these things are a bad deal for consumers. Is there anything I should do when I get something l...
by tc101
Fri Jul 15, 2016 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Best business checking account interest rates
Replies: 0
Views: 75

Best business checking account interest rates

Capital One 360 has a business savings account that pays 1% the first year, then goes down to the normal rate, which is now 0.4%. You can link this to their business checking account, and there are no fees or minimums for either account. This is the best thing I have found so far. There will be up t...
by tc101
Fri Jun 24, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Advantage free check writing
Replies: 8
Views: 1111

Vanguard Advantage free check writing

Has anyone used Vanguard Advantage?
They don't refund all ATM fees like Fido and Schwab, but otherwise it looks similar.
https://personal.vanguard.com/us/whatwe ... ageaccount
I have never seen any discussion of it here.
by tc101
Tue Jun 07, 2016 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Any preference between emerging mkts etf and adminal?
Replies: 3
Views: 193

Any preference between emerging mkts etf and adminal?

The emerging markets etf is widely traded, and I have never seen more than a 1 cent buy sell spread. The expense ratio is the same for the etf and admiral mutual fund. I have no preference between trading an etf and a mutual fund. These are actually 2 different ways to buy into the same pool of stoc...
by tc101
Mon Jun 06, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Mobile car inspection for used cars
Replies: 0
Views: 195

Mobile car inspection for used cars

Has anyone used one of the mobile car inspection services? What was your experience?
by tc101
Tue May 31, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Selecting a self directed ira custodian
Replies: 6
Views: 526

Re: Selecting a self directed ira custodian

Not that I think such self-directed IRAs are a good thing. For me they are a good thing. My brother and I have been in the hard money lending business for 20 years. All I am doing is moving some of the hard money investments into a tax sheltered IRA account, and moving stock index funds from the IR...
by tc101
Mon May 30, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Selecting a self directed ira custodian
Replies: 6
Views: 526

Re: Selecting a self directed ira custodian

My big thing is to feel somewhat safe letting them handle my money. I have no idea how to be sure of that. I guess I can't be totally sure. A big operation in several cities that has been around for several years and has no complaints listed with the BBB is about the best I can do.
by tc101
Sun May 29, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 64
Views: 5540

Re: Real price for a new car

Once you do all your negotiating with the dealer on the phone or email and you agree to the price, are there any other tricks they play on you when you go to buy the car? Indeed there are. They'll try to sell add-ons, dealer-installed equipment,extended warranties, undercoating, etching etc etc. Th...
by tc101
Sun May 29, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Selecting a self directed ira custodian
Replies: 6
Views: 526

Selecting a self directed ira custodian

We talked about this here a few years ago and I got some good pointers. Now I am about to do it and about to select a custodian. I am pretty sure of the custodian I will use, but before I sign the papers I want to run this by the brains at bogleheads. I always prefer dealing with people who I can me...
by tc101
Sun May 29, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Self directed IRA?
Replies: 7
Views: 754

Re: Self directed IRA?

I have always felt that so called "self-directed" retirement plans (IRA, 401k, etc...) are a solution in search of a problem. They are the very definition of behavioral finance pitfalls. Like most investment snake oil, they benefit the providers far greater than the participants. That is ...
by tc101
Sun May 29, 2016 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Self directed IRA?
Replies: 7
Views: 754

Re: Self directed IRA?

I have always had a self directed IRA. Any brokerage house such as Schwab, Vanguard, or Fidelity can set up these. I initially set up mine at Merrill Lynch, but found that their fees were too high. I think you are mistaken. I think you have to go through a special Self Directed IRA Custodian like t...
by tc101
Thu May 26, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 64
Views: 5540

Re: Real price for a new car

Consumer Reports is such a bad publication. Really aweful information.


Do other people here feel that way about Consumer Reports? If so, who do you trust the most for car ratings?
by tc101
Thu May 26, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 64
Views: 5540

Re: Real price for a new car

Thanks everyone for the info on truecar. That is very helpful. My zip code gives a truecar price of $29K. That is $6K over the 1 year old, 12K miles car at carmax for $23K. I don't have to decide today, but I can see going either way. Once you do all your negotiating with the dealer on the phone or ...
by tc101
Thu May 26, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 64
Views: 5540

Re: Real price for a new car

Concerning the quality of the Chrysler 300 - Consumer reports gives it a good rating. They say "Chrysler's roomy and luxurious 300 is one of the best large sedans on the market". Edmonds gives it a "B - good" on an A-F scale. There will always be people who think a particular car...
by tc101
Thu May 26, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 64
Views: 5540

Re: Real price for a new car

I would start with looking at a different car....


Why?
by tc101
Thu May 26, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 64
Views: 5540

Real price for a new car

I have read over some very good threads here about negotiating price of a new car. I will follow their advice if I decide to buy a new car. Right now I am trying to decide between a one year old 12K miles car at carmax vs the same car new from a dealer. I know the carmax price is set in stone. It wo...
by tc101
Wed May 18, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: Is anyone here currently getting an annuity payout?
Replies: 19
Views: 2290

Re: Is anyone here currently getting an annuity payout?

I recently annuitized a Vanguard Variable Annuity. My first payment ( comes from the insurance company, not Vanguard)appeared earlier than I was promised, and in the correct amount. Vanguard's annuity division even had a rep call me at each point in the process to keep me apprised. By far the best ...
by tc101
Wed May 18, 2016 10:13 am
Forum: Investing - Theory, News & General
Topic: Is anyone here currently getting an annuity payout?
Replies: 19
Views: 2290

Is anyone here currently getting an annuity payout?

If you are getting an annuity payout, I am curious if you have had any problems getting your promised payouts on schedule? An annuity is a type of insurance, and insurance is always easy to buy but often hard to collect on. Since reading this article by Larry Swedroe I have been thinking of eventual...
by tc101
Wed May 11, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: When do you use cash, when a credit card?
Replies: 49
Views: 4283

When do you use cash, when a credit card?

My previous rule of thumb was that for anything under $40 it was faster, easier, more efficient, to just pull the money out of my wallet and pay cash. For larger purchases, I used a credit card because it meant I would less frequently go to an ATM to get more cash, and that seemed in the long run fa...
by tc101
Mon May 02, 2016 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a web site that calculates correlations between different funds, etfs, and or indexes?
Replies: 16
Views: 1263

Is there a web site that calculates correlations between different funds, etfs, and or indexes?

Is there a web site that calculates correlations between different funds, etfs, and or indexes?
by tc101
Thu Apr 28, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: Atlanta in August -- worth it?
Replies: 51
Views: 3101

Re: Atlanta in August -- worth it?

Last time I read about it, our zoo had more gorillas living in a more natural environment than any other zoo in the USA. The rest of the zoo is just average for a city this size.
by tc101
Fri Apr 22, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 61
Views: 8014

Re: Why am I still scared ? Is it actually normal ?

You have enough money. Put more time into self exploration. Maybe go into therapy. Read psychology, philosophy and self help books. Go on a meditation retreat. Everyone knows they are going to get old and die and there is nothing they can do about it. There is often fear around this and denial of th...
by tc101
Mon Apr 18, 2016 3:24 pm
Forum: Investing - Theory, News & General
Topic: Annuities and longevity risk, analyzing the problem
Replies: 45
Views: 4242

Re: Annuities and longevity risk, analyzing the problem

209 South, thanks for the info on the site

https://www.immediateannuities.com/

That is exactly what I was looking for.
by tc101
Sun Apr 17, 2016 9:01 pm
Forum: Investing - Theory, News & General
Topic: Annuities and longevity risk, analyzing the problem
Replies: 45
Views: 4242

Re: Annuities and longevity risk, analyzing the problem

Where is the best place to shop rates on deferred annuities?
by tc101
Sun Apr 17, 2016 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity question
Replies: 2
Views: 536

Re: Annuity question

That's it. Thanks.
by tc101
Sun Apr 17, 2016 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity question
Replies: 2
Views: 536

Annuity question

A few days ago there was a discussion here about a recent article by Larry Swedroe about deferred annuities. I was following it but now I can't find it anywhere. Was the discussion pulled for some reason, or did the title not have the word annuity in it? Anyway, I can't find it and if anyone can giv...
by tc101
Sun Apr 17, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Postnuptial agreement for Physician
Replies: 94
Views: 7040

Re: Postnuptial agreement for Physician

How does a postnuptial agreement for a physician differ from a postnuptial agreement for anyone else?
by tc101
Wed Apr 06, 2016 10:30 pm
Forum: Personal Consumer Issues
Topic: How do you use AmEx reward dollars to pay bill?
Replies: 13
Views: 1388

Re: How do you use AmEx reward dollars to pay bill?

I have the Blue Cash Preferred and have redeemed reward dollars onto my statement using the web site a half-dozen times.


I have the Blue Cash Everyday. I used to be able to do it on the web site, but now I can't. What do you have to do to get the Blue Cash Preferred?
by tc101
Wed Apr 06, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: How do you use AmEx reward dollars to pay bill?
Replies: 13
Views: 1388

Re: How do you use AmEx reward dollars to pay bill?

I just got the answer. You have to call them. You can not do it from the web site.
by tc101
Wed Apr 06, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: How do you use AmEx reward dollars to pay bill?
Replies: 13
Views: 1388

How do you use AmEx reward dollars to pay bill?

How do you use AmEx reward dollars to pay bill? On the web site all I can find is offers to buy merchandise with the reward dollars. Can you still use them to pay the card? How do I find it on the web site?
by tc101
Tue Apr 05, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with tax refund
Replies: 7
Views: 934

Re: Problem with tax refund

Have you checked your tax return to verify you actually did enter the wrong routing number? It is Xed out on the form. This exact thing happen to one of my employees. After many calls and hours on the phone with both the IRS and turbotax he finally received his check yesterday after 11 weeks. Thank...
by tc101
Tue Apr 05, 2016 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Problem with tax refund
Replies: 7
Views: 934

Problem with tax refund

I did my taxes with Turbo Tax online. I entered my bank info to get the refund automatically deposited. The refund never came. I went to the IRS site and it said if the refund had not come to contact my preparer. I called TurboTax. They said I had entered the bank routing number incorrectly and that...
by tc101
Sun Mar 27, 2016 9:21 am
Forum: Investing - Theory, News & General
Topic: "Mitigating the Risks of Cognitive Decline"
Replies: 45
Views: 5431

Re: Trusts

My Vanguard portfolio is in a Vanguard trust that can only be used for my living expenses and health care. I would like to know more about that, and how you set it up. tc101: I am not a trust expert so I went to a recommended probate attorney in Miami who is familiar with our State's probate laws a...
by tc101
Sat Mar 26, 2016 9:43 pm
Forum: Investing - Theory, News & General
Topic: "Mitigating the Risks of Cognitive Decline"
Replies: 45
Views: 5431

Re: "Mitigating the Risks of Cognitive Decline"

My Vanguard portfolio is in a Vanguard trust that can only be used for my living expenses and health care.


I would like to know more about that, and how you set it up.
by tc101
Tue Mar 22, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: Is there a difference in the make up of the emerging markets fund and the emerging markets ETF?
Replies: 5
Views: 559

Re: Is there a difference in the make up of the emerging markets fund and the emerging markets ETF?

That's what I was talking about, the Vanguard Fund and ETF. Thanks for the info. The websites use slightly different language to describe the two which is why I asked.
by tc101
Tue Mar 22, 2016 10:10 am
Forum: Investing - Theory, News & General
Topic: Is there a difference in the make up of the emerging markets fund and the emerging markets ETF?
Replies: 5
Views: 559

Is there a difference in the make up of the emerging markets fund and the emerging markets ETF?

Is there a difference in the make up of the emerging markets fund and the emerging markets ETF?
by tc101
Sat Mar 19, 2016 9:19 am
Forum: Investing - Theory, News & General
Topic: Live long, spend freely
Replies: 32
Views: 6512

Re: Live long, spend freely

One thing that he doesn't discuss is the possibility of an extended period of nursing home and/or assisted living care at the end of life, It is fun to play with probabilities and add more variables than just the probability of being broke in 30 years. Burns is doing that. I will add some other var...
by tc101
Sat Mar 19, 2016 9:02 am
Forum: Investing - Theory, News & General
Topic: What bond funds do you use, and why?
Replies: 55
Views: 4255

What bond funds do you use, and why?

In both your taxable and non-taxable accounts, which bond funds are you using, and why?
by tc101
Wed Mar 16, 2016 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity customer service experience
Replies: 41
Views: 3770

Re: Fidelity customer service experience

If you use their cash management account, the problem is that lots of the customer service is not done by Fidelity but by a bank that handles the check card, checks and auto billing. Customer service from that bank is not as good as customer service from Fidelity. Fidelity tells you they can't help ...
by tc101
Mon Mar 14, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 27797

Re: Don't understand nutrition and exercise

If you don't enjoy spending too much time at the gym, you might want to try HIIT (High Intensity Interval Training). Get on an exercise bike, pedal for a while to warm up, them max out for 20 seconds, giving it everything you've got. After that, rest for as long as you want, then repeat twice. Thes...
by tc101
Tue Mar 08, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a house with cash
Replies: 46
Views: 5392

Re: Buying a house with cash

I bought my last house with cash. It sure was a lot easier. Home buying is stressful and it removed one of the major stressors. I felt much more in control. I selected the closing attorney. I told everyone else when and where to show up for closing. I didn't have to check lots of mortgage details to...
by tc101
Tue Mar 08, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for person with false "Alcoholic" diagnosis
Replies: 100
Views: 8694

Re: Life Insurance for person with false "Alcoholic" diagnosis

People with drinking problems don't tell the truth about their drinking. Why would the insurance company want to take a chance? They might lose a few good customers by being super strict and unbending on issues of alcoholism, but in the long run they save money by eliminating large numbers of alcoho...
by tc101
Tue Mar 01, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Comcast modem upgrade
Replies: 25
Views: 2571

Re: Comcast modem upgrade

I just did a speed test. Downolad speed is 90mbs. Upload speed is 12mbs. That is plenty fast I think, using the old modem. Comcast is such a pain to deal with that I dread something going wrong with the new modem and then waiting on hold forever to talk to someone who can't help me. I think I will l...
by tc101
Sat Feb 27, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: Effective Charity
Replies: 25
Views: 4769

Re: Effective Charity

I recently read - "Doing Good Better: How Effective Altruism Can Help You Make a Difference " by William MacAskill The title speaks for itself. I highly recommend this book to anyone interested in how to most effectively do good by donating to charity. When I retired I started doing volunt...
by tc101
Thu Feb 25, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Comcast modem upgrade
Replies: 25
Views: 2571

Re: Comcast modem upgrade

I read in some forum here that if you get your own modem then comcast will blame any problem you ever have on the non comcast modem.
by tc101
Thu Feb 25, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Comcast modem upgrade
Replies: 25
Views: 2571

Comcast modem upgrade

I got a letter from comcast saying - "Your current digital internet and Voice modem is no longer capable of supporting the speeds of your xfinity internet service". They will send a new modem for free or I can pay a technician to come out and install it. If everything is working fine the w...
by tc101
Thu Feb 25, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management vs Schwab Bank
Replies: 28
Views: 3316

Re: Fidelity Cash Management vs Schwab Bank

I have gotten terrible service dealing with the bank that handles the Fido debit card. I think I will move to Schwab.
by tc101
Thu Feb 25, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Required Minimum Distributions from multiple IRA accounts
Replies: 5
Views: 589

Re: Required Minimum Distributions from multiple IRA accounts

Thanks for the info everyone. I am now clear on this.

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