Search found 3011 matches

by tc101
Wed Dec 12, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Desktop Computer. All in one or separate? And which one?
Replies: 34
Views: 1916

Re: Desktop Computer. All in one or separate? And which one?

The single most important thing for getting a new computer: buy one with a solid state drive (SSD), not a traditional spinning hard disk (HDD). Or upgrade it yourself but then you need to reinstall Windows (not that hard but you need to know what you're doing).
I agree 100%.
by tc101
Tue Dec 11, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3062

Re: Spotify or Amazon Music?

I just learned about a big difference between Spotify and Amazon music. If I had a problem on Amazon there would be an easy to find phone number to call tech support. That does not exist on Spotify.
by tc101
Tue Dec 11, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3062

Re: Spotify or Amazon Music?

I went to sign up for Spotify but got a message saying "Spotify is currently not available in your country. I am in the USA. I tried it on two different computers. What is going on?
by tc101
Sun Dec 09, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3062

Re: Spotify or Amazon Music?

With the free versions can you download play lists to your phone so you are not streaming in your car?
by tc101
Sun Dec 09, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3062

Re: Spotify or Amazon Music?

How about tech support at Spotify and Amazon? I'm a slow learner with tech and may need someone on the phone to help me when I am first setting it up.
by tc101
Sat Dec 08, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3062

Spotify or Amazon Music?

I want to put music on my phone and listen to it in my car by connecting to blue tooth speakers. Reading reviews online I see that I can do this with either Spotify or Amazon Music for about the same price (I have amazon prime). I am not in the Apple system so don't want to use them. One thing I am ...
by tc101
Thu Dec 06, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Is the division of international markets into "developed" and "emerging" meaningful?
Replies: 16
Views: 1361

Is the division of international markets into "developed" and "emerging" meaningful?

Is the division of international markets into "developed" and "emerging" meaningful? I charted them and they seem to be highly correlated. The two biggest countries in the emerging market index are China and Taiwan. Is it meaningful to say they are emerging?
by tc101
Wed Nov 21, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Which cars can be unlocked and started from a smart phone?
Replies: 28
Views: 1817

Re: Which cars can be unlocked and started from a smart phone?

Many cars can be started using the key fob. I suspect that's enough for most people.
It would be nice to be able to unlock and start it from a phone in case you lose the key.
by tc101
Wed Nov 21, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Which cars can be unlocked and started from a smart phone?
Replies: 28
Views: 1817

Re: Which cars can be unlocked and started from a smart phone?

FWIW, some of the apps I've read about that do this are clumsy and slow to use.
I'd like to find a review somewhere that compares them all. So far I have not found one.
by tc101
Tue Nov 20, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Which cars can be unlocked and started from a smart phone?
Replies: 28
Views: 1817

Re: Which cars can be unlocked and started from a smart phone?

I read more about this online. Most new cars come with this feature but you have to pay for it. Toyota is $80/year. Are other cars at similar prices?
by tc101
Tue Nov 20, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Which cars can be unlocked and started from a smart phone?
Replies: 28
Views: 1817

Which cars can be unlocked and started from a smart phone?

Which cars can be unlocked and started from a smart phone?
by tc101
Sat Nov 17, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 82
Views: 8487

Re: Do I need an Amazon Echo??.....

Do I need an Amazon Echo??
No
by tc101
Sat Nov 10, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 61
Views: 6143

Re: How to stop junk mail for a deceased person

You can get a "return to sender, not at this address" self inking rubber stamp at Amazon for $8.99. https://smile.amazon.com/gp/product/B07D4P5PQG/ref=ox_sc_act_title_1?smid=A1VGYHFQVYQNTR&psc=1 also a "deceased" stamp https://smile.amazon.com/JYP-PA1040-Pre-Inked-Rubber-Deceased/dp/B00QCUU00W/ref=s...
by tc101
Wed Nov 07, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Pricing a car sale to a friend
Replies: 7
Views: 549

Pricing a car sale to a friend

I have a 2003 Toyota Camry in good condition with 115K miles. I am selling it to a friend with financial problems. I want to give him a real good deal, but not seem like I am giving him a gift. You can see all kinds of prices on line. How should I price it.
by tc101
Fri Nov 02, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Can I buy I-bonds with my Vanguard brokerage account?
Replies: 3
Views: 942

Can I buy I-bonds with my Vanguard brokerage account?

Can I buy I-bonds with my Vanguard brokerage account?
by tc101
Fri Nov 02, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Can I have my SS deposited directly into a Vanguard MM fund?
Replies: 7
Views: 1196

Can I have my SS deposited directly into a Vanguard MM fund?

I am signing up for social security soon.
Can I have my SS deposited directly into a Vanguard MM fund?
by tc101
Tue Oct 23, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 493
Views: 49591

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Yes. I just went to sign up and they say it is over.

Ally.com/payback
by tc101
Fri Oct 19, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1645

Re: How important is registered mail for important documents?

I don't care about the extra cost. I do care about the extra time, drive to the post office, stand in line and so on. The time is not a big deal if necessary, but the purpose of my post was to ask if it is really necessary.
by tc101
Fri Oct 19, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1645

Re: How important is registered mail for important documents?

Thanks for the info everyone. Nobody seems to think it is very important. Nobody mentions having lost mail that was not registered. So I think I'll trust regular first class.
by tc101
Fri Oct 19, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1645

How important is registered mail for important documents?

I don't remember the US Post office ever losing something I mailed. I am about to mail a document that would be a pain to replace, and I just instinctively am headed to the post office to send it by registered mail, but I am wondering how important that really is? I used to live with a woman who was...
by tc101
Thu Oct 04, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Which emergency alert system for elderly?
Replies: 9
Views: 730

Re: Which emergency alert system for elderly?

I don't have an answer but am looking forward to other's input. I'm 68 and live by myself since my wife died. The chances are that I won't need one of these things as I am a pretty healthy 68, but I figure "Why Not?". Just like I probably won't need car insurance, home insurance or a smoke alarm, bu...
by tc101
Wed Sep 26, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 46
Views: 3456

Re: How to buy a mattress

Several people have mentioned Costco. Can I get Costco to deliver the mattress, bring it in the house and set it up. If I have to return it, can I get them to come pick it up at my house?
by tc101
Tue Sep 25, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 46
Views: 3456

How to buy a mattress

I've slept comfortably on the same mattress for 15 years, but now it's time to buy another one. Any advice?
by tc101
Thu Sep 13, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 4046

Is home alarm monitoring worth it?

I got a SimpliSafe burglar alarm that I installed myself. I can get monitoring for $15/month, but is the monitoring worth while? If someone kicks down my door and sets off the alarm, it will be at least 10 minutes before the police get here. The burglar knows that. The burglar will either run away a...
by tc101
Sat Sep 08, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4943

Re: Buying a new Toyota Camry. What extra options if any?

Also, here are prices at a dealer near me. Do you think these are actual drive out prices?


https://www.cars.com/for-sale/searchres ... 2&zc=30083
by tc101
Sat Sep 08, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4943

Buying a new Toyota Camry. What extra options if any?

I've read threads here that tell me how to get the best price. Now I just need to decide what options to get. For anyone who has looked into this recently, please give me your thoughts. I am thinking of buying the basic 4 cylinder LE model with no extra features. Are there extra features that you th...
by tc101
Thu Aug 23, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5498

Re: Test your cognitive biases

They don't tell you where you made mistakes, they just give you a score, so I think the test is a waste of time.
by tc101
Wed Aug 22, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for home alarm system
Replies: 48
Views: 4438

Re: Need recommendation for home alarm system

SimpliSafe has this deal going on until Tuesday https://simplisafe.com/home-security-system-summerfort I have a huge house and would probably have to buy some additional equipment, but does this seem like a good deal on a big package for a large house? Is there any reason not to buy this particular ...
by tc101
Wed Aug 22, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for home alarm system
Replies: 48
Views: 4438

Re: Need recommendation for home alarm system

So with SimpleSafe you need to replace all the batteries once a year?
by tc101
Wed Aug 22, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for home alarm system
Replies: 48
Views: 4438

Re: Need recommendation for home alarm system

Do you have to install SimpleSafe yourself or are there local installers?
by tc101
Thu Aug 16, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1813

Mail order pharmacy

Now that I have to take meds every day, it would be nice to have them mailed to my house. My cat also has daily meds to take. If I could find a good mail order pharmacy it would save me standing in line every month. Can you suggest a good mail order pharmacy?
by tc101
Fri Aug 10, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 265
Views: 25028

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Given the factors I mentioned in the last post, I wonder how useful this calculator is? It might lead to more confusion than clarity for most people, and might lead to some people taking SS earlier than would be best for them. What it calculates is just one minor part of the info to be considered w...
by tc101
Fri Aug 10, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 265
Views: 25028

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Given the factors I mentioned in the last post, I wonder how useful this calculator is? It might lead to more confusion than clarity for most people, and might lead to some people taking SS earlier than would be best for them. What it calculates is just one minor part of the info to be considered wh...
by tc101
Fri Aug 10, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 265
Views: 25028

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I am 68 and single. It tells me to file immediately. Why? Because that is the option that maximized expected present value, given the inputs provided. Without additional information about the inputs you used, it's hard to say anything more than that. I used all the default inputs, except birthday. ...
by tc101
Fri Aug 10, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 265
Views: 25028

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I am 68 and single. It tells me to file immediately. Why? Because that is the option that maximized expected present value, given the inputs provided. Without additional information about the inputs you used, it's hard to say anything more than that. I used all the default inputs, except birthday. ...
by tc101
Wed Aug 08, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 265
Views: 25028

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I am 68 and single. It tells me to file immediately. Why? Most people would say I should wait until I turn 70.
by tc101
Sun Jul 29, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Jonathan Clements blog - Argues for all-in-one fund
Replies: 21
Views: 3981

Re: Jonathan Clements blog - Argues for all-in-one fund

I notice that the Schwab fund has lower expenses and is more diversified than the Vanguard target date fund.
by tc101
Tue Jul 24, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2573

Re: Figuring out long-term technology plan for kids - Chromebook?

Be aware that it is more complicated to print from a chromebook than from a regular computer.
by tc101
Sun Jul 22, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up dedicated computer for investment/finance
Replies: 12
Views: 1998

Re: Setting up dedicated computer for investment/finance

Go with linux, as suggested earlier.
by tc101
Thu Jul 19, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 29
Views: 3504

Re: Hearing aids

What about Sam's club hearing aids?
by tc101
Thu Jul 19, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: REITs, etc
Replies: 11
Views: 836

Re: REITs, etc

Opinions have changed a lot. Several years ago most people here viewed REITS as a good diversifer. Now that is seldom mentioned. Is this because REITS have not done as well as the total market over the last 2 years, but did better than the total stock market for many years before that? Is this recen...
by tc101
Sun Jul 08, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Schwab
Replies: 18
Views: 2880

Re: Fidelity vs Schwab

If you have a problem with Fidelity cash management you have to deal with a third party bank and you will not get Fido's excellent customer service. I found this very frustrating. For banking I would recommend schwab.
by tc101
Thu Jul 05, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard - What will the real return be for stocks and bonds over the next ten years?
Replies: 46
Views: 5484

Re: Vanguard - What will the real return be for stocks and bonds over the next ten years?

I am in withdrawal phase. Even a 3% real return makes a 4% withdrawal very safe.
by tc101
Sat Jun 16, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 4640

Re: Are Bogleheads smarter than the bond market?

The Fed has been pretty clear for awhile that they are bent on raising rates gradually for the next 12 - 18 months. the Fed is basically telling what the interest rate market is most likely going to be. It isn't some analyst on CNBC it is the Fed. Isn't this something that everyone knows and is alr...
by tc101
Fri Jun 15, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 4640

Are Bogleheads smarter than the bond market?

There is a lot of talk recently about shifting to shorter duration bonds because interest rates are going up. Do we know something that is not already known by everyone else buying and selling bonds? Do we have information not already priced into the bonds? "The market is smarter than you are" was m...
by tc101
Fri Jun 01, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Interest calculation when moving money in MMFs and bond funds
Replies: 4
Views: 494

Interest calculation when moving money in MMFs and bond funds

When you move money in and out of bond funds and money market funds, is the interest calculated by the day, or by the month? Is there some way that you can get a better or worse return by picking the day you move the money?