Search found 2755 matches

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: 1000

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: 2556

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: 59
Views: 6573

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: 3741

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: 3741

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: 466

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: 466

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: 6228

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: 1070

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: 1070

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: 1070

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: 839

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: 839

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: 5032

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: 5032

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: 480

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: 480

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: 6199

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: 3850

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: 3520

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: 25197

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: 5071

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: 8083

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: 2196

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: 4676

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: 2196

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: 2196

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: 2856

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: 546

Re: Required Minimum Distributions from multiple IRA accounts

Thanks for the info everyone. I am now clear on this.
by tc101
Fri Feb 19, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Using TurboTax online
Replies: 22
Views: 1881

Re: Using TurboTax online

Are you not able to import the 1099? Does TT not see your Vanguard 1099?


I have not bought it yet, but it says on the website that to import you need the premier version.
by tc101
Fri Feb 19, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Using TurboTax online
Replies: 22
Views: 1881

Re: Using TurboTax online

That looks like a good price for Premier Amazon 65.00 74-76 everywhere else. Well remember that is the online version which has always been cheaper. I filed my tax with TurboTax both Fed and State (NC) free of cost. You can manually input the Form 1099-* info. Did not take me much time. It would ta...
by tc101
Fri Feb 19, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Using TurboTax online
Replies: 22
Views: 1881

Using TurboTax online

I am going to start my taxes using TurboTax online. I experimented with several other cheaper online tax programs last year and I found them to be more trouble than they were worth, then ended up doing it with TurboTax. I don't like the pricing games they play, but I don't mind paying them in order ...
by tc101
Fri Feb 19, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Required Minimum Distributions from multiple IRA accounts
Replies: 5
Views: 546

Required Minimum Distributions from multiple IRA accounts

I have a regular IRA and a Roth IRA at Vanguard, and a regular IRA at Schwab. When I have to start taking RMDs, do I have to take a required amount from each account, or could I take it all out of one account?
by tc101
Fri Feb 19, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 71
Views: 9793

Re: Getting Best Price for a Prescription Drug

True. I get my Crestor OTC in Brazil for $20 - a tenth of what it would cost in USA. There's a tiny chance of getting busted at customs.


I wonder what would happen if you got busted? They would take away the pills for sure. Would there be any other legal action?
by tc101
Wed Feb 17, 2016 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pursue a Masters in Computer Science?
Replies: 60
Views: 4554

Re: Should I pursue a Masters in Computer Science?

I am a retired programmer. Here are a few thoughts: By my mid 40's it was harder to get jobs because of my age. Technology is constantly changing and younger people pick up the new stuff faster. Even if this weren't true, it is the perception. You will be at a disadvantage because of your age, unles...
by tc101
Wed Feb 17, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Using Canadian Pharmacies
Replies: 26
Views: 2278

Re: Using Canadian Pharmacies

I got viagra at about 1/3 of the cheapest US price and it worked fine. I would be more careful about a drug that was important to my survival.
by tc101
Mon Feb 15, 2016 2:00 pm
Forum: Investing - Theory, News & General
Topic: Chasing Hot Returns in ‘Smart Beta’ Can Be Dumb- Jason Zweig in WSJ
Replies: 21
Views: 1747

Re: Chasing Hot Returns in ‘Smart Beta’ Can Be Dumb- Jason Zweig in WSJ

IMO, any strategy that selects securities based on factors and weights securities on other than market cap is active, not passive. Rick, are you saying that: 1. The only passive approach is total US stock fund and total international stock fund? 2. You think that passive approach is the best approa...
by tc101
Sun Feb 14, 2016 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management vs Schwab Bank
Replies: 28
Views: 2856

Re: Fidelity Cash Management vs Schwab Bank

I called the phone number Fidelity gave me for Mellon bank, which issues the ATM/Debit card. The call went to someplace that identified it as Fidelity so it must be a part of the bank system that just deal with Fido customers. The call was handled quickly and efficiently. It was much better than wha...
by tc101
Sat Feb 13, 2016 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management vs Schwab Bank
Replies: 28
Views: 2856

Re: Fidelity Cash Management vs Schwab Bank

My problem with Fidelity is that they have a third party handling the debit card. Other people have mentioned the problems with this. Recently I withdrew $500 from an ATM and it only gave me $480. I emailed Fidelity thinking they would handle it, but they just sent me the phone number of Mellon. I c...
by tc101
Sat Feb 13, 2016 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management vs Schwab Bank
Replies: 28
Views: 2856

Re: Fidelity Cash Management vs Schwab Bank

you should know that there are all sorts of things that you get at bricks and mortar banks Thanks for the info. I am aware of that and maintain an account at a brick and mortar bank. I also have a cash management account at Fido, but have had some problems with it recently and am thinking of switch...
by tc101
Sat Feb 13, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management vs Schwab Bank
Replies: 28
Views: 2856

Re: Fidelity Cash Management vs Schwab Bank

In what regard? Which services?


Anything and everything connected to banking that you have any knowledge of.
by tc101
Sat Feb 13, 2016 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management vs Schwab Bank
Replies: 28
Views: 2856

Fidelity Cash Management vs Schwab Bank

Has anyone here used both services? How do they compare?
by tc101
Fri Feb 12, 2016 11:29 am
Forum: Investing - Theory, News & General
Topic: Any regrets by people 50+ for having a conservative portfolio in their 30's
Replies: 68
Views: 7925

Re: Any regrets by people 50+ for having a conservative portfolio in their 30's

Any regrets by people 50+ for having a conservative portfolio in their 30's Yes I regret it. I would be wealthier today if I had been all stocks most of my life. If I had been all stocks when the big market downturns came, I might have gotten frightened and sold at the bottom, which is the big adva...
by tc101
Wed Feb 10, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 53
Views: 5529

Re: Displeased with Fidelity Cash / BNY Mellon- debit card theft

A thief can use them to drain money out of your account, sometimes without ever having handled your card,


How can they do it without the card?
by tc101
Tue Feb 09, 2016 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 53
Views: 5529

Re: Displeased with Fidelity Cash / BNY Mellon- debit card theft

Do most people think Schwab is better than Fido for banking? After reading this, I might switch.
by tc101
Tue Feb 09, 2016 12:12 am
Forum: Personal Consumer Issues
Topic: How to deal with dentist phobia
Replies: 25
Views: 2551

Re: How to deal with dentist phobia

Either a valium before you go, or gas when you get there. Tell the dentist you have a phobia and he will write you a script for a tranquilizer or gas you in the office. If he isn't happy to do that, find another dentist. Do not be ashamed or embarrassed about a dental phobia, or any other phobia. It...
by tc101
Sun Feb 07, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Homes
Replies: 78
Views: 9733

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: 5573

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...

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