Search found 2707 matches

by tc101
Sun Feb 07, 2016 2:05 pm
Forum: Investing - Theory, News & General
Topic: Vacation Homes
Replies: 21
Views: 1915

Vacation Homes

I think that unless you are very wealthy, a vacation home is bad idea. Vacation homes involve a lot of extra expense and a lot of extra trouble. It is much easier and cheaper to just rent a house when you go on vacation than to own a vacation home. In most cases, when you sell the vacation home, the...
by tc101
Tue Feb 02, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Physician buying an 850k vs 1.25m house
Replies: 54
Views: 5079

Re: Physician buying an 850k vs 1.25m house

Should I buy the new home (870 k) finish it up and sell it in +/- 10 years for a forever home? That would probably be more trouble than it is worth, and lots more trouble than you think. Buy the more expensive house that you really want to live in and spend the next 10 years in a nicer house with l...
by tc101
Fri Jan 29, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Just not interested any more [in investing]
Replies: 42
Views: 7144

Re: Just not interested any more

For me it goes in waves. I get interested, I lose interest, I get interested again. It's just like my interest in science, my interest in history, my interest in politics. It is fun to be curious and interested in things, but you can't follow everything. I don't think it is at all important to my fi...
by tc101
Fri Jan 22, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Nutritional supplements - beware
Replies: 38
Views: 2551

Re: Nutritional supplements - beware

There are companies that do tests and post the results online

Consumerlab.com charges a yearly fee to see the results

There is another site that is free but I can't remember the name.
by tc101
Fri Jan 22, 2016 10:37 am
Forum: Personal Consumer Issues
Topic: How to get customers for a cleaning service?
Replies: 15
Views: 1179

Re: How to get customers for a cleaning service?

I understand the security concerns expressed in the last post. I can see that some potential customers might be worried about this. I am not worried, but I see your point. The workers are 3 women who I have been teaching English for 1-3 years. I fell like I know them well. I know their children and ...
by tc101
Thu Jan 21, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: How to get customers for a cleaning service?
Replies: 15
Views: 1179

How to get customers for a cleaning service?

I am trying to help some refugees start a house cleaning business. They are fantastic workers and speak good enough English to clean houses. My problem is finding the work. I have emailed all my friends and got a few customers that way. I put an ad on Craigslist and got no response. Any advice would...
by tc101
Wed Dec 16, 2015 2:32 pm
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 9588

Re: I would like to play the Boglehead car game too

My wife thinks a doctor should not be driving a 15y/o Toyota.


Try to ignore your wife. Look at a car as a means of transportation rather than a status symbol. Find self confidence and self love inside of yourself. Buying stuff in order to be respected does not work in the long run.
by tc101
Thu Dec 10, 2015 1:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 141
Views: 18061

Re: Vanguard Partnering with Yodlee

I have accounts at Fidelity and Schwab, in addition to my main account at Vanguard.
Fidelity and Schwab both have the ability to link accounts from other brokerages. Has anyone used these? How do they compare to Vanguard/Yodlee?
by tc101
Wed Dec 09, 2015 8:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 141
Views: 18061

Vanguard.com no longer tracks outside investments.

[Thread merged into here, see below. --admin LadyGeek]

They want me to use Yodlee.
Why the change?
If I want to track all my investments in one place, is Vanguard.com/Yodlee the best place to do it?
by tc101
Mon Dec 07, 2015 11:54 pm
Forum: Personal Consumer Issues
Topic: My car buying experience
Replies: 8
Views: 1262

Re: My car buying experience

So the guy was an idiot or a liar. I liked the Honda better anyway. Thanks for the info.
by tc101
Mon Dec 07, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: My car buying experience
Replies: 8
Views: 1262

My car buying experience

I've asked questions in other topics here on Bogleheads. I'll report here what happens as I follow all the great advice I have gotten. I test drove a Suburu Legacy, Honda Accord and Toyota Camery. It was a tie between Camery and Accord, but the Toyota guy told me that to keep the warranty valid I wo...
by tc101
Sun Dec 06, 2015 7:30 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 129
Views: 26505

Re: My New Car Buying Tips

I understand why car dealers do everything super slow and delay you as much as possible during the negotiating process. They are trying to wear down and exhaust the customer so eventually they just go along with a less than great deal because they are so tired of the whole process. I do not understa...
by tc101
Sat Dec 05, 2015 10:55 pm
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 29
Views: 1552

Re: New car safety features

Add to the list of those features already mentioned is a HUD (Heads Up Display).


Is that available on Honda or Toyota?
by tc101
Sat Dec 05, 2015 10:52 pm
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 29
Views: 1552

Re: New car safety features

Take GPS. Compare what you get for 400 bucks from Garmin to the 1500 bucks+ that a lot of makers still want for navigation.


I get it as a free app on my android phone.
by tc101
Sat Dec 05, 2015 12:21 pm
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 29
Views: 1552

Re: New car safety features

We have a Honda Odyssey with the right side camera which I also really like. I don't know why Honda doesn't put a camera on the left side as well. 90% of the hardware infrastructure is already there and it is actually harder to see out the left side of the Odyseey than the right in my opinion. As I...
by tc101
Sat Dec 05, 2015 12:19 pm
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 29
Views: 1552

Re: New car safety features

With the reversing camera should the driver turn around backwards and look as we were taught or just watch the screen? I suppose it's watch the screen since you can't do both but it just seems wrong. When I did it at the dealership for the first time it felt strange and anxiety provoking and I did ...
by tc101
Sat Dec 05, 2015 11:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 776
Views: 107987

Re: Are Vanguard and Bogleheads in Trouble because of this case

I don't understand it either, but it does seem like a potential problem. I hope someone here can explain it to us.
by tc101
Fri Dec 04, 2015 9:34 pm
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 29
Views: 1552

New car safety features

I went to the dealer and drove a new Honda accord today. Standard safety features are a backup camera, and a right side view camera which I really liked. The right side view camera seemed a lot more useful than the blind spot warning systems on some other cars. As an add on you can get a package tha...
by tc101
Mon Nov 30, 2015 3:33 pm
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 103
Views: 13683

Re: Subaru Blues

if you buy one you should consider the VIP program below. 2% below dealer invoice on the car and options. Few can match that level of discount w/o serious shopping efforts.

https://www.google.com/url?sa=t&rct=j&q ... 8eOxEVIrYw


Is there anything similar to this for Honda or Toyota?
by tc101
Fri Nov 27, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 129
Views: 26505

Re: My New Car Buying Tips

An unwise person could easily lose around $6,000 on these combined transactions for a $25k car. But specifically on the purchase of a new car, easily around 2-3k grand. I'll be paying cash, and selling my old car to a friend, but still, for $2-3K it is worth the time and trouble to understand how t...
by tc101
Fri Nov 27, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 129
Views: 26505

Re: My New Car Buying Tips

There is so much talk about negotiating the best price on a new car. For a car that costs roughly $25K, how much difference is there between the best price given to the ultimate skilled negotiator, and the average price to the average buyer, and the worst price given to the fool who is taken advanta...
by tc101
Fri Nov 27, 2015 10:45 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 129
Views: 26505

Re: My New Car Buying Tips

AAA has a service that claims to get you a great price when buying a new car. Has anyone used it?
by tc101
Thu Nov 26, 2015 3:09 pm
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 103
Views: 13683

Re: Subaru Blues

I am thinking about buying a new 2015 Suburu Legacy. Reading over this topic has been reassuring.
by tc101
Thu Nov 26, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 129
Views: 26505

Re: My New Car Buying Tips

Also, how do you get out of there without leaving any personal info? I have a google phone number that I never use, and an alternate email that I never use. I have those printed out and hand them to anyone who asks for that info who I don't really want to give the info to. It is faster and easier t...
by tc101
Tue Nov 24, 2015 4:46 pm
Forum: Personal Consumer Issues
Topic: New car vs used car
Replies: 26
Views: 2374

New car vs used car

At one time it was a no brainer to buy a car that was a year or two old because cars lost so much of their value in the first year. Then things shifted and it was often a better deal to buy new. Recently I heard on the radio that things have shifted again, and a slightly used car is once again a muc...
by tc101
Mon Nov 02, 2015 11:16 am
Forum: Investing - Theory, News & General
Topic: "5 Scary Assumptions Investors Are Making"
Replies: 15
Views: 2543

Re: "5 Scary Assumptions Investors Are Making"

A 4% real return on stocks seems fine to me. Even if all I do is keep up with inflation, at a 4% withdrawal rate I am OK for 25 years. I am 65 now, and if I happen to be alive after age 90, which is unlikely, living on social security does not seem like the worst thing in the world.
by tc101
Wed Oct 28, 2015 8:34 pm
Forum: Personal Consumer Issues
Topic: Comcast vs AT&T for internet
Replies: 29
Views: 2344

Re: Comcast vs AT&T for internet

Thanks for all the great info everyone.

What are you paying for internet access, and what do you get? I know prices vary tremendously.
by tc101
Tue Oct 27, 2015 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: When do you have to unlock a locked credit file?
Replies: 5
Views: 574

When do you have to unlock a locked credit file?

I was a victim of identity theft years ago, and have a lock on my credit files. When I opened a new bank account I had to unlock the credit files. It was not much trouble. When I got new gas service for my house it was the same thing. I think if I got a new cell phone or cable service I would also h...
by tc101
Sun Oct 25, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: Comcast vs AT&T for internet
Replies: 29
Views: 2344

Re: Comcast vs AT&T for internet

prefer neither. Choose the better offer. When that (typically called new customer) offer expires automatically switch to the other provider - who will provide you with their new customer offer*. Rinse and repeat.


That sounds like a good idea.
by tc101
Sat Oct 24, 2015 1:20 pm
Forum: Personal Consumer Issues
Topic: Comcast vs AT&T for internet
Replies: 29
Views: 2344

Re: Comcast vs AT&T for internet

Is AT&T DSL fast enough to watch a netflix movie?
by tc101
Sat Oct 24, 2015 10:32 am
Forum: Personal Consumer Issues
Topic: Comcast vs AT&T for internet
Replies: 29
Views: 2344

Comcast vs AT&T for internet

Comcast and AT&T are the only internet providers in Atlanta where I live. They both have reputations for terrible customer service and bait and switch pricing tactics. Which one do you prefer?
by tc101
Fri Oct 16, 2015 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Question on using Fidelity Cash Management Account online
Replies: 3
Views: 427

Re: Question on using Fidelity Cash Management Account online

Full view seems pretty complicated. I would just like to go to the Activity and Orders screen for the Cash Management account, select a time period, select Show All Withdrawels, and see a total at the bottom of the page. That or something similar is all I need.
by tc101
Fri Oct 16, 2015 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Question on using Fidelity Cash Management Account online
Replies: 3
Views: 427

Question on using Fidelity Cash Management Account online

I am using the FIDO cash management account and am happy with it. I would like to use it to track my total spending. Is there a simple way that you can see a total of your spending for period of time on the website?
by tc101
Mon Oct 12, 2015 1:11 pm
Forum: Investing - Theory, News & General
Topic: Anuity in IRA?
Replies: 1
Views: 268

Anuity in IRA?

I read somewhere about using an SPIA in an IRA. The advantage of having it there is that the taxes could be deferred. Does this make any sense. I just glanced at the article but now I can't find it.
by tc101
Fri Sep 18, 2015 9:34 am
Forum: Personal Finance (Not Investing)
Topic: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]
Replies: 148
Views: 12705

Re: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]

When you’re 40, you’re not going to look back on your 20s and be grateful for the few thousand you saved. You’re going to be full of regret. You’ll regret the experiences you didn’t take, the people you didn’t meet and the fun you didn’t have because you were too worried about a future that came an...
by tc101
Fri Aug 14, 2015 6:01 pm
Forum: Personal Consumer Issues
Topic: Saving a tree when installing a septic drain field
Replies: 5
Views: 442

Re: Saving a tree when installing a septic drain field

Isn't the reverse problem that the tree roots will spread into the drain field and cause problems there?


I know that used to be a problem, but I don't think it is now with these new drain fields with the infiltrator chambers.

http://www.smaller-homes.com/septic-drain-fields.html
by tc101
Fri Aug 14, 2015 3:29 pm
Forum: Personal Consumer Issues
Topic: Saving a tree when installing a septic drain field
Replies: 5
Views: 442

Saving a tree when installing a septic drain field

How close can I come to a big old oak and a big old poplar tree with a septic drain field trench, and probably not kill the tree?
by tc101
Thu Aug 06, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: Running Google Now on my Android phone.
Replies: 1
Views: 242

Running Google Now on my Android phone.

I want to try google Now on my LG G3. When I run it, I get a message saying "Home is currently your default launcher ... go to settings, touch clear defaults, and press the home button". If I do this and I want to switch back to Home, will it be a problem? Will I mess up anything else by c...
by tc101
Mon Jul 27, 2015 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Online chart of performance that includes reinvested divs and cap gains?
Replies: 2
Views: 278

Online chart of performance that includes reinvested divs and cap gains?

Is there some place online where you can see a chart of fund performance over time that includes all dividends and cap gains reinvested?
by tc101
Fri Jul 24, 2015 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1552

Re: Is the Vanguard advisor service worth while for me?

Thank you House Blend and everyone else for taking the time to help me understand this.
by tc101
Fri Jul 24, 2015 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1552

Re: Is the Vanguard advisor service worth while for me?

I just finished talking to the adviser at Vanguard. He was a friendly, likable, knowledgeable person. He was not pushy in any way. I enjoyed our conversation. He looked over my portfolio. His main recommendation was simplification. He took the view that the total market makes more sense than slice a...
by tc101
Fri Jul 24, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1552

Re: Is the Vanguard advisor service worth while for me?

For 2014, $27K of taxable income with no qualified dividends or LTCG buys you a Federal tax liability of about $3600. So $4K sounds a bit high but in the ballpark. I have been trusting Turbo Tax to do this right, but if they made a mistake that caused me to pay an extra $400 I want to know about it...
by tc101
Fri Jul 24, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1552

Re: Is the Vanguard advisor service worth while for me?

Why not get the free consultation and see what he says.


That is what I plan to do, and I will write about it here, after it happens at 2pm today.
by tc101
Fri Jul 24, 2015 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1552

Re: Is the Vanguard advisor service worth while for me?

But this comment of yours doesn't quite jive with that: "All the money in the taxable account is in stock index funds and ETFs." In that case, the dividends in your taxable account should be mostly qualified. I was not clear enough. All the money in my VANGUARD taxable account is in stock...
by tc101
Thu Jul 23, 2015 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1552

Re: Is the Vanguard advisor service worth while for me?

You pay $4,000 in Federal income taxes on $27,000 of taxable income? Wow!


Is that high or low? I just enter the numbers in Turbo Tax and do what it says. Almost all that income is from taxable interest on real estate loans.
by tc101
Thu Jul 23, 2015 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1552

Re: Is the Vanguard advisor service worth while for me?

I think a better question is would you be willing to do Tax Loss Harvesting yourself if someone paid you $900 for it. I don't know. How long would it take me to learn to do it, and how much time would it take? You could use a robo service, like Betterment, which uses Vanguard ETFs (mostly). Their f...
by tc101
Thu Jul 23, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1552

Is the Vanguard advisor service worth while for me?

I talked to a guy at Vanguard, who answered my basic questions and set me up for a free consult with an adviser tomorrow. The cost of the the service is 0.3% of assets under management. You can select just a portion of your portfolio for management. There is no long term commitment. I have about $30...
by tc101
Tue Jul 21, 2015 11:28 pm
Forum: Personal Consumer Issues
Topic: Jet.com
Replies: 56
Views: 7078

Re: Jet.com

Prices have been going up at Amazon in the last year. Some things that used to be a great deal you can now get cheaper in a local store. I am glad Jet.com is going to give Amazon some competition. It should keep the prices low.
by tc101
Tue Jul 21, 2015 8:27 pm
Forum: Personal Consumer Issues
Topic: Jet.com
Replies: 56
Views: 7078

Jet.com

Have you looked at Jet.com. It is a new site that is supposed to be cheaper than Amazon, but so far all the things I have checked are priced the same as amazon.
by tc101
Mon Jun 29, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 35
Views: 5198

Re: Amazon getting too smart?

Stopped showing as in.... you couldn't access the used paperbacks at all, even by searching for them? Or stopped showing as in.... your recommendation list only recommended Kindle books? It did not show the used paperbacks as another buying option when you go to the kindle page. It did show the use...

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