Search found 2812 matches

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: 343

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: 319

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: 319

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: 220
Views: 10581

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: 17776

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: 10999

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: 10999

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: 744

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: 520

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/?gclid=CjwKEAjwh9PGBRCfso2n3ODgvUcSJAAhpW5oK5lDDu4-zx-mYbkXtmB3iyLCsaZSUuREytYosvcaxhoCGQ3w_wcB Usually I efile my taxes but this year needed to print and mai...
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: 6190

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: 2756

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: 2756

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: 5319

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: 2756

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: 5319

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: 895

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: 895

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: 895

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: 895

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: 895

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: 715

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: 715

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: 178

"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?
by tc101
Mon Feb 20, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Is the free AAA identity theft protection a good idea, or is there a catch?
Replies: 7
Views: 915

Re: Is the free AAA identity theft protection a good idea, or is there a catch?

Actually I don't think the free version is of any value. All they do is tell you if there is any unusual credit activity. In my experience as an identity theft victim, as soon as any unusual activity is spotted you will immediately get a call asking you about it. The credit bureaus don't want people...
by tc101
Sat Feb 18, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Is the free AAA identity theft protection a good idea, or is there a catch?
Replies: 7
Views: 915

Re: Is the free AAA identity theft protection a good idea, or is there a catch?

Three people say there is no catch and no one reports a problem so I guess I'll get it.
Thanks.
by tc101
Sat Feb 18, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Is the free AAA identity theft protection a good idea, or is there a catch?
Replies: 7
Views: 915

Is the free AAA identity theft protection a good idea, or is there a catch?

I am a AAA member. They have a free AAA identity theft protection.

AAA.com/identitytheft

Is this a good idea, or is there a catch?
by tc101
Sat Feb 11, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidating to Wells Fargo?
Replies: 18
Views: 1188

Re: Consolidating to Wells Fargo?

I had terrible service at Wells Fargo. They don't even offer notary service on many things anymore. If I were you I would consolidate at Ally. Maybe keep some local bank linked to Ally if you prefer depositing checks in atm rather than photographing them with the Ally ap.
by tc101
Wed Feb 08, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: FIRECalc
Replies: 17
Views: 3990

Re: FIRECalc

Thanks for the info.

I like cfiresim a lot.

The Fidelity ap seems slow and cumbersome.
by tc101
Mon Feb 06, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: FIRECalc
Replies: 17
Views: 3990

Re: FIRECalc

Firecalc seems very good. Are there other retirement calculators that are as good or even better?
by tc101
Thu Jan 26, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: 75 gallon hot water heaters
Replies: 40
Views: 2865

Re: 75 gallon hot water heaters

I'm the OP. Great discussion. Thanks everyone. Very helpful. I'll try to answer all the questions above in this one post. It is a gas water heater. So far it seems like it gives plenty of hot water, and is only set on medium. Maybe there was a problem with the old one. We are in a big sprawling one ...
by tc101
Thu Jan 26, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: 75 gallon hot water heaters
Replies: 40
Views: 2865

75 gallon hot water heaters

My 50 gallon hot water heater went out yesterday. I read a few reviews of plumbers on a local message board and talked to two. I picked the guy who was cheapest and available that day to install a new 50 gallon heater. However what I really wanted was a 75 gallon heater, to get a little more hot wat...
by tc101
Sun Oct 30, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: Keep the monthly medicare summary notice?
Replies: 9
Views: 1091

Re: Keep the monthly medicare summary notice?

What monthly summary notices are you talking about?
Mine come quarterly, not monthly.


Maybe it is quarterly. It just says "Medicare Summary Notice for Part B.

Anyway, from the responses I have gotten, it seems it is not important to keep.
by tc101
Sun Oct 30, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: Keep the monthly medicare summary notice?
Replies: 9
Views: 1091

Keep the monthly medicare summary notice?

Is there any reason to keep the monthly medicare summary notice? I look at them to see if there is anything that should not be there. There never is. All the deductibles are paid by my medicare supplement. I assume that if I ever needed the info I could find it online. Is there any reason to keep th...
by tc101
Sat Oct 29, 2016 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fleet car or rental car better?
Replies: 8
Views: 862

Re: Fleet car or rental car better?

Both are 2 years old, 2014 model. Fleet car has 29K miles. Rental has 40K and costs $1000 less.

More info

https://www.carmax.com/search/compare-c ... 8+13833026
by tc101
Sat Oct 29, 2016 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fleet car or rental car better?
Replies: 8
Views: 862

Fleet car or rental car better?

I'm looking at two similar cars at carmax. One was a fleet car and the other a rental car. Is there any reason to prefer one over the other based on prior use?
by tc101
Wed Oct 05, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: Books to help prepare us for the inevitable aging process
Replies: 32
Views: 2981

Re: Books to help prepare us for the inevitable aging process

Watch the movie "Harold and Maude". You can get the dvd on netflix or amazon.
by tc101
Wed Sep 28, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 3566

How closely do you check your credit card statements?

I don't know if I am checking closely enough. If you do check, do you often find errors. I buy lots of stuff from amazon and have an amazon credit card which I only use for amazon. The way the list things on the web site vs how they are listed on the credit card statement makes it difficult to check...
by tc101
Sun Aug 07, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 187
Views: 25837

Re: How much international stock? A suggestion.

I talked to a Vanguard adviser about 2 months ago. He said Vanguard now recommends a stock allocation between 30% and 50% International.
by tc101
Tue Jul 26, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Binding Arbitration and Class Action Waiver
Replies: 4
Views: 572

Re: Binding Arbitration and Class Action Waiver

Thee was a great article in NYT couple of months again that you can probably search for using relevant keywords. The message was that a major rout of consumer rights was in progress and had been somewhat blessed by the SC.


What is the SC?
by tc101
Sat Jul 23, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Binding Arbitration and Class Action Waiver
Replies: 4
Views: 572

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: 656

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: 1386

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: 258

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: 512

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: 700

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: 700

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: 6323

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: 700

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: 10
Views: 1231

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: 10
Views: 1231

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...

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