Search found 2990 matches

by tc101
Thu Oct 04, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Which emergency alert system for elderly?
Replies: 9
Views: 677

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: 3357

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: 3357

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: 3946

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: 4742

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: 4742

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: 5410

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: 4326

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: 4326

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: 4326

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: 1780

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: 225
Views: 20588

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: 225
Views: 20588

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: 225
Views: 20588

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: 225
Views: 20588

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: 225
Views: 20588

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: 3841

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: 2486

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: 1887

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: 3383

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: 766

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: 2467

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: 5389

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: 4593

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: 4593

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: 485

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?
by tc101
Mon May 21, 2018 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 8540

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

My wife died 6 months ago. It was the hardest thing I have ever experienced. I felt like I was going crazy. I talked to several grief councilors. Read lots of books. Went to a grief support group. The one piece of advice they all agreed on was to avoid making any big decisions for 6-12 months. I was...
by tc101
Sat May 19, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 11733

Re: Career planning in IT/software development when over 40

Mostly C#, .NET, MS SQL As you know, those are in demand skills, so you could always find a job. What do you want to do? What is most important? Is money a greater motivator, or enjoyment at work? Security or adventure? Do you like where you live or want to move to another city? Would you rather wo...
by tc101
Sat May 19, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 11733

Re: Career planning in IT/software development when over 40

I work on software that automates business processes Do you write code in mainstream languages, like java, javascript, python, or whatever else is big these days? Software Development (more back end web than front end) Database Design/Development/Administration Do you do much SQL, or the new, commo...
by tc101
Sat May 19, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 11733

Re: Career planning in IT/software development when over 40

I've been retired for 11 years, so things have probably changed. I had a great job using proprietary software. I stayed there 10 years. Then I got bored, learned some new stuff and got another job. However, when the second job ended, I found all my years with the proprietary software were totally us...
by tc101
Thu May 10, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 8507

Re: Alternatives to Amazon

Someone mentioned ebay. I thought that was just for auctions.
by tc101
Thu May 10, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 8507

Re: Alternatives to Amazon

I think I'll try walmart. How does it compare to Amazon, other than price? Easy to use web site? Quick delivery? Good customer support?
by tc101
Thu May 10, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 8507

Alternatives to Amazon

[Thread merged into here, see below. --admin LadyGeek] Amazon is incredibly convenient and for lots of things the prices are good, but on some items the prices are ridiculously high. I don't want to go all over the web looking for the lowest prices and ordering from dozens of companies. I would lik...
by tc101
Wed May 09, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Pay Pal customer support
Replies: 4
Views: 427

Pay Pal customer support

I have used Pay Pal for years because it was quick and easy. I recently had a problem and I found the customer support to be almost non existent. There is no phone number to call. I had to go through several pages to even get to where I could send an email, and then they sent me a canned response th...
by tc101
Tue Apr 10, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: I'm thinking about annuities. Tell me if this makes sense.
Replies: 10
Views: 1288

Re: I'm thinking about annuities. Tell me if this makes sense.

Consider that there are other ways to protect your finances from your aging self and from theft and fraud without committing large sums to an annuity. You might want to consider trusts or similar options.
Where could I read more about that?
by tc101
Tue Apr 10, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: I'm thinking about annuities. Tell me if this makes sense.
Replies: 10
Views: 1288

Re: I'm thinking about annuities. Tell me if this makes sense.

the popular advice re annuities seems to be to start at 70. But if in 6 months you still want to start the process I don't see a compelling reason to wait. I thought the advice was that you don't start to take the money from the annuity income stream before age 70, but that when buying deferred ann...
by tc101
Tue Apr 10, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: I'm thinking about annuities. Tell me if this makes sense.
Replies: 10
Views: 1288

Re: I'm thinking about annuities. Tell me if this makes sense.

I have no heirs, no children. I will leave any inheritance to my brother, or my brother's children, and to friends who need money and would be positivly effected by a small inheritance. My brother and his kids have plenty and don't really need it. So I have more than I need. I may start spending mor...
by tc101
Tue Apr 10, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: I'm thinking about annuities. Tell me if this makes sense.
Replies: 10
Views: 1288

I'm thinking about annuities. Tell me if this makes sense.

I'm thinking about annuities. Tell me if this makes sense. I am 68, single, have been retired about 10 years. I have $1.4M, mostly at Vanguard, invested 50/50. My house is paid for. It's worth about $300K. My current yearly living expenses are about $45K/year. They might go up, but I have simple tas...
by tc101
Tue Apr 10, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Question on state annuity insurance
Replies: 1
Views: 175

Re: Question on state annuity insurance

I found the answer for Georgia on the Georgia insurance web site: The total annuity cash surrender protection per owner per licensed insurer is $250,000. http://www.gaiga.org/FAQ This varies from state to state though. Not just the amount guaranteed, but also on the question of the limit being on an...
by tc101
Tue Apr 10, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: When to apply for social security if I want to start it at age 70?
Replies: 3
Views: 626

When to apply for social security if I want to start it at age 70?

I want to start social security at the latest possible date, which I think is my 70th birthday. How soon before my birthday should I apply? Could I apply a year early?
by tc101
Tue Apr 10, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Question on state annuity insurance
Replies: 1
Views: 175

Question on state annuity insurance

Two questions: I live in Georgia. I remember seeing a table here that gave the state annuity guarantees for every state. I think that the Georgia limit is $250K but don't remember for sure. I can't find that table now. Can someone give me a link to the table Assuming the limit is $250K, is that the ...
by tc101
Sun Apr 08, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: How do you cancel a bid on ebay?
Replies: 7
Views: 682

Re: How do you cancel a bid on ebay?

I contacted the seller and he canceled the bid for me.
by tc101
Sun Apr 08, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: How do you cancel a bid on ebay?
Replies: 7
Views: 682

How do you cancel a bid on ebay?

I found this info, but it doesn't tell you how to actually cancel
the bid.

https://www.ebay.com/help/buying/biddin ... id?id=4013

I want to cancel because the shipping costs from UK are higher than
the cost of the item, and I didn't see that until after I placed the
bid.
by tc101
Mon Mar 12, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Turbo Tax Online
Replies: 2
Views: 225

Turbo Tax Online

I've used turbotax online the last 2 years with no problem. Is there any good reason not to use it for 2017? I have to buy the $79 premier version to get it to import stuff from Vanguard. I don't care about saving a few dollars. I just want to know if there are any problems with doing it online with...
by tc101
Sun Feb 25, 2018 12:03 am
Forum: Investing - Theory, News & General
Topic: Atlantic Article: This Is What Life Without Retirement Savings Looks Like
Replies: 26
Views: 5050

Re: Atlantic Article: This Is What Life Without Retirement Savings Looks Like

So as I see it, the challenge for people who don't have savings is to let go of the idea that a "good life" is one spent living in some luxurious golf community punctuated by expensive trips overseas. It's a chance to reexamine the materialistic lifestyle that is the true religion of so many Americ...
by tc101
Thu Feb 22, 2018 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Help invest an extra $5,000 per month
Replies: 19
Views: 2544

Re: Help invest an extra $5,000 per month

Put the extra monthly money in a high yield savings account until you have about $50K. That should cover most emergencies. Then start paying off your mortgage with half of your extra $5K monthly, and put the other half in stock index funds. Paying off the mortgage yields more than any other no risk ...