Search found 2839 matches

by tc101
Wed Aug 16, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: what % of international stock
Replies: 31
Views: 1507

Re: what % of international stock

33% is the one true answer, that being what I've selected by a highly scientific process.
There must be some error in your calculations. The correct one true answer is 42%, which I arrived at through a highly scientific process in which I did all the calculations correctly.
by tc101
Tue Aug 15, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Which International Fund is Best
Replies: 8
Views: 780

Re: Which International Fund is Best

In some other topic, which I can't find now, someone said total international is not as good as the FTSE fund because you don't get the foreign tax credit with total internationl. Is this correct or not?
by tc101
Tue Aug 15, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: When stocks drop, which bond funds usually do best and worst?
Replies: 25
Views: 2446

Re: When stocks drop, which bond funds usually do best and worst?

As for the OP's question, nothing in this thread so far suggests that intermediate-term Treasuries won't likely be the best insurance policy against market drops going forward. Vanguard has CDs with maturities of up to 10 years, with higher yields than 10 year treasuries, so I think a CD ladder cou...
by tc101
Tue Aug 15, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: When stocks drop, which bond funds usually do best and worst?
Replies: 25
Views: 2446

Re: When stocks drop, which bond funds usually do best and worst?

Several years ago, one of the experts here, maybe Larry, said total bond market fund was not a good idea because GNMA is more positively linked to stocks and and in a stock downturn will go down more. Does anyone here agree with this?
by tc101
Mon Aug 14, 2017 9:42 pm
Forum: Investing - Theory, News & General
Topic: When stocks drop, which bond funds usually do best and worst?
Replies: 25
Views: 2446

Re: When stocks drop, which bond funds usually do best and worst?

How about short term vs intermediate term during a market down turn. Is there any pattern?
by tc101
Mon Aug 14, 2017 1:53 pm
Forum: Investing - Theory, News & General
Topic: When stocks drop, which bond funds usually do best and worst?
Replies: 25
Views: 2446

When stocks drop, which bond funds usually do best and worst?

When stocks drop, which bond funds usually do best and worst?
by tc101
Wed Aug 09, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: New car vs used car
Replies: 9
Views: 737

New car vs used car

For most of my life it was a no brainer that buying used cars made more sense financially. Then used cars got more expensive and for a while it was a toss up. Someone told me that this had changed and once again, it is a much better move to buy a car that is a two years old than to buy a new car. Wh...
by tc101
Tue Aug 08, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand GNMA fund vs CDs
Replies: 10
Views: 669

Re: Help me understand GNMA fund vs CDs

I never got an answer to this question. Is it because the question is not clear, or because it is not a good question, or what?

It occurs to me that the two investments are so similar in risk and return that it is not a meaningful question.
by tc101
Tue Aug 08, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: How much cash should I have in my bank for emergency funds.
Replies: 29
Views: 2006

Re: How much cash should I have in my bank for emergency funds.

Ally savings account yields 1.15%. Vanguard short term bond index yields 1.67%. Not that much difference. Why not keep a big chunk in the savings account for the extra safety and convenience?
by tc101
Tue Aug 08, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Help me understand GNMA fund vs CDs
Replies: 10
Views: 669

Help me understand GNMA fund vs CDs

The vanguard GNMA fund currently has SEC-yield of 2.61% and average maturity of 7.2 years.
A 7 year CD at vanguard yields 2.5%.
In an IRA account at vanguard, for money I won't need for at least 7 years, which is the better investment?
by tc101
Sat Aug 05, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolios
Replies: 18
Views: 2586

Re: Schwab Intelligent Portfolios

Schwab has a history of bait and switch, misleading advertising, and so on. Maybe most financial institutions do. I am just aware of it with Schwab because I have had an account with them for a long time.

OTOH they do some things well, which is why I still have an account there.
by tc101
Wed Aug 02, 2017 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 9569

Re: Burned out at 28. Do I have enough?

Take a 6 month long vacation in another country with a lower cost of living. Try Costa Rica, or Thailand or for a more intense experience go to India. You will meet lots of interesting people who will give you a new perspective on life. You will meet lots of people like yourself who worked hard, sav...
by tc101
Wed Jul 12, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: Burton Malkiel's Not so random walk
Replies: 17
Views: 2748

Re: Burton Malkiel's Not so random walk

Does anyone know if he is getting paid to recommend it? Is there any profit motive for him or any close friend, family member, business associate?

Just because he wrote a good book doesn't it doesn't mean he is more ethical than average.
by tc101
Tue Jul 11, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: ORP treatment of Social Security after 2035
Replies: 7
Views: 617

Re: ORP treatment of Social Security after 2035

Has this effected your decision about when to take SS?
by tc101
Tue Jun 27, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: American Family Insurance
Replies: 3
Views: 389

American Family Insurance

Two different friends recently switched to American Family Insurance. They say they got better rates and the company is highly rated. I can't find anything bad about it online. Does anyone here have any experience with American Family Insurance?
by tc101
Fri Jun 23, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: "10 Reasons Why Advisers Struggle To Keep Client Portfolios Simple"
Replies: 25
Views: 3986

Re: "10 Reasons Why Advisers Struggle To Keep Client Portfolios Simple"

The OP seems to be saying the exact opposite of the OP in another discussion here on Bogleheads "Ultimate Buy and Hold - 8 slices vs 4" https://www.bogleheads.org/forum/viewtopic.php?f=10&t=38374&newpost=3420071 I have no way of checking the numbers in the two posts, so I don't kno...
by tc101
Fri Jun 23, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 55
Views: 3516

Re: Lump sum investing in stocks vs. DCA

Without any study you can see that logically it must be true. If over long periods of time, for example the last 100 years, the stock market rises, then any study looking at averages over that time period would show that the sooner you put in your money, the better your return.
by tc101
Fri Jun 23, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Money Market Acct. with 1.5% APY for balances < $75K
Replies: 7
Views: 800

Re: Money Market Acct. with 1.5% APY for balances < $75K

I've seen lots of online banks offer great rates to get new customers, then lower the rates. The rates listed at the bank you linked to would be a good deal if the the rates stayed that high, but it can be more trouble than it is worth to jump from bank to bank to get an extra 0.5% for a few months.
by tc101
Sat Jun 17, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of changing my international allocation
Replies: 19
Views: 1599

Thinking of changing my international allocation

I just read through the most recent thread on international. "Bogle Doubles Down on US Index Funds" https://www.bogleheads.org/forum/viewtopic.php?f=10&t=220873&newpost=3410274 I found some of the arguments against international pretty convincing. Especially the stuff about the rea...
by tc101
Fri Jun 16, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: How many of you have rentals (i.e. you're a landlord)? Are they worth it?
Replies: 74
Views: 5645

Re: How many of you have rentals (i.e. you're a landlord)? Are they worth it?

I had one. It was more trouble than it was worth. I would not do it again.
by tc101
Fri Jun 02, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 252
Views: 19547

Re: KF's Worst Case Retirement Plan

Do you enjoy your work or hate it? I think that is a major consideration. What if you decide to work an extra 5 years at a job you are sick of to make sure you will have plenty of money when you are 80 and then you die before you retire? You will not be homeless at 80. By retiring early you just ris...
by tc101
Fri Jun 02, 2017 12:23 am
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 6617

Re: Does anyone treat taxable as a "someday fund"?

Example: Someday I would like to buy a boat. Someday I would like to spend a month abroad.


Spend the month abroad. It will give you more pleasure than buying a boat. If you want to go boating, rent a boat.
by tc101
Tue May 30, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 11536

Re: Updates on the status of Linux

Am in a coworking space and right next to me is a guy who's running Linux on his laptop. Earlier today, he was having connectivity problems with the WiFi. He attributed them to Linux. Lots of people have WiFi problems with linux. The quick and easy workaround is a usb wifi adapter, about $12-$15 on...
by tc101
Sun May 28, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 52
Views: 5468

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

A recent example of customer service at Vanguard - I sent a message on Wednesday asking a pretty simple question. No response so far. Not even a response saying they got the message.
by tc101
Sun May 28, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 52
Views: 5468

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

I have accounts at all 3. Vanguard is the slowest to pick up the phone, but it is still not too bad.

10 years ago I dealt with inheritance issues through Vanguard, and everything went smoothly.
by tc101
Fri May 26, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Voyager Select vs Flagship
Replies: 32
Views: 5242

Voyager Select vs Flagship

I am now Voyager Select. I could move $100K from my Ally savings account earning 1.05% to Vanguard prime mmf earning .97% and become Flagship. The difference in interest is less than $100/year. It would be a minor inconvenience to make the move. Vanguard doesn't offer the service that Ally does. Is ...
by tc101
Fri May 19, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: New Rate For Barclay's Online Savings
Replies: 2
Views: 408

Re: New Rate For Barclay's Online Savings

Vanguard Prime MMF is now .96%. Not a big difference.
by tc101
Wed Apr 26, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Does the settlement fund earn interest
Replies: 3
Views: 389

Re: Does the settlement fund earn interest

Thanks. I understand now.
by tc101
Wed Apr 26, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Does the settlement fund earn interest
Replies: 3
Views: 389

Does the settlement fund earn interest

My vanguard brokerage account has the federal mmf as the settlement fund. That fund now has an interest rate of about 0.65%. Does the settlement fund collect that interest?
by tc101
Mon Apr 24, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 13499

Re: Will cars be autonomous in three years?

Will most cars become autonomous drivers over the next three years?


My guess:
Almost certainly not in 3 years.
Maybe they will be common in 5-7 years.
Possibly most cars (more than 50%) in 10-15 years.
by tc101
Thu Apr 20, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 321
Views: 20206

Re: I don't understand the case for EE bonds

I have some Series EE issued in 2003. Is now a good time to sell, or should I wait until 2023?
by tc101
Sat Apr 01, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 12566

Re: When do you plan to die?

It is important to remember skilled nursing facilities are the last stop after assisted living and independent living. While they are not for everyone there are many people who find the increased socialization and variety of activities rewarding plus maid service and dining halls. I am sure there a...
by tc101
Thu Mar 30, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 12566

Re: When do you plan to die?

I am now 67, happy and in good health. Ten to twelve years ago I spent a lot of time in nursing homes watching my parents and the other people there die slowly and miserably. I decided to make my own decision about when it was time to go, rather than just letting nature take it's course. My plan was...
by tc101
Sat Mar 25, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA transfer question
Replies: 11
Views: 862

Inherited IRA transfer question

I am helping a friend with some financial issues. Her father recently died. The father had an IRA at Merrill Lynch. She wants to move the money into an inherited IRA at Vanguard. She has two brothers and they all want to transfer the money out of Merrill into inherited IRAs at other places. Merrill ...
by tc101
Fri Mar 24, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Easiest way to send certified mail
Replies: 4
Views: 585

Easiest way to send certified mail

Are online certified mail services like this worth while, or is it just as easy to go to the post office?

https://www.certifiedmaillabels.com/?gc ... oCGQ3w_wcB

Usually I efile my taxes but this year needed to print and mail because of a tech difficulty. Is certified mail important, or would you just drop it in the mail box?
by tc101
Sun Mar 19, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Harvard endowment beats S&P 500 by 2% a year over last 40 years
Replies: 50
Views: 6733

Harvard endowment beats S&P 500 by 2% a year over last 40 years

I have read several threads here about the poor performance of the Harvard endowment in the last 5 years, but according to the link below, it has beaten the S&P 500 by an average of 2% a year over the last 40 years. How do you explain that? But if you can beat Harvard with a simple S&P 500 i...
by tc101
Mon Mar 13, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Any Chromebook experts?
Replies: 21
Views: 3939

Re: Any Chromebook experts?

like the chromebook because it is light and simple. It will probably be more secure and relatively trouble free than a windows laptop. However it does not seem like a good deal money wise for a person on a tight budget. For the same money or less you could get a laptop with a dvd player and more fle...
by tc101
Mon Mar 13, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Any Chromebook experts?
Replies: 21
Views: 3939

Re: Any Chromebook experts?

I see how it works now, and yes, the stuff about icons on the desktop was from an older version.
by tc101
Sun Mar 12, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Replacement
Replies: 65
Views: 5920

Re: Ally Bank Replacement

If you have a problem with a check or ATM transaction in a Fidelity cash management acct and call Fidelity, they will not handle it but tell you that you have to call a bank connected with cash management. The bank is not nearly as quick to pick up the phone and not nearly as efficient as regular F...
by tc101
Sun Mar 12, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Any Chromebook experts?
Replies: 21
Views: 3939

Re: Any Chromebook experts?

Not sure if I should start a new thread or ask here, so I'll start out asking in this older thread: I just got an Acer R11 Chromebook. I like it but it doesn't do some of the things other chromebooks do. Maybe this is a different opperating system because it is a touch screen. When I click the circl...
by tc101
Sat Mar 11, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Replacement
Replies: 65
Views: 5920

Re: Ally Bank Replacement

People seem to have good luck here with Fidelity accounts. I have a cash management account only because I have it linked to my 2% cash back card. If I ever switched from Ally I would consider them. If you have a problem with a check or ATM transaction in a Fidelity cash management acct and call Fi...
by tc101
Tue Mar 07, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Using turbo tax online
Replies: 20
Views: 1114

Re: Using turbo tax online

tc101 wrote: I paid for the online version and I still can't find a way to see my tax forms. Last year I could download a pdf. Once you pay, you are allowed to download the pdf with all the tax forms. There is a menu at the top called Tools or something like that. In there I think you select Print ...
by tc101
Tue Mar 07, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Using turbo tax online
Replies: 20
Views: 1114

Re: Using turbo tax online

I paid for the online version and I still can't find a way to see my tax forms. Last year I could download a pdf.
by tc101
Tue Mar 07, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Using turbo tax online
Replies: 20
Views: 1114

Re: Using turbo tax online

Random question. When you use turbo tax online, where does your data reside? Does it reside online? Does it reside on your computer?


It resides online, but can also be downloaded to your computer.
by tc101
Tue Mar 07, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Using turbo tax online
Replies: 20
Views: 1114

Re: Using turbo tax online

I found the answers to all my questions by googleing and trial and error. I will leave this topic open for other questions.
by tc101
Tue Mar 07, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Using turbo tax online
Replies: 20
Views: 1114

Using turbo tax online

I am using turbo tax online. It is a lot different from last year. I have not paid for it yet. How can I look at my tax forms? Is this an option that you only get after you pay for it? How do I go ahead and pay? I don't see any way to enter income from a personal loan I made to someone else. It seem...
by tc101
Thu Mar 02, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Chromebook video quality question
Replies: 13
Views: 909

Re: Chromebook video quality question

I just read about chromecast. How does it compare to amazon fire and roku? Which do you prefer?
by tc101
Thu Mar 02, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Chromebook video quality question
Replies: 13
Views: 909

Chromebook video quality question

Several years ago I bought a cheap chromebook. I don't remember the brand. I could watch youtube videos on it and they were pretty good quality. I pluged it into my TV with an hdmi cable, and the youtube video quality was very bad. Is chromebook video better than it was a few years ago? Do some chro...
by tc101
Tue Feb 21, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: "Blink" website claims low pharmacy prices. Is it for real?
Replies: 0
Views: 246

"Blink" website claims low pharmacy prices. Is it for real?

I found a web site called blinkhealth.com that lists very low prices on some prescription drugs. Have you used this?