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Re: Ally 5-year CD from 1.6% to 2%?

You may want to check rates with your local credit unions.
Where I live CU offer better rates than large web banks by .25 % for 5 year CD's.
by TT
Fri Dec 19, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Ally 5-year CD from 1.6% to 2%?
Replies: 8
Views: 2220

Re: Social Security 62 vs 66

Hypothetical scenario - What am I missing ? I was thinking about how just about everyone states that collecting social security is advantageous if you wait and collect a larger monthly amount but I have a thought... Assumption: If you wait till age 66 you obviously do not need the income so this as...
by TT
Tue Nov 25, 2014 5:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 5605

Re: Social Security 62 vs 66

[quote="mhc"]Did you account for Jill getting $6800/yr more than Jack from ages 67-77?

The 6,800 more Jill receives for those years is in the calculations
by TT
Fri Nov 21, 2014 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 5605

Social Security 62 vs 66

Hypothetical scenario - What am I missing ? I was thinking about how just about everyone states that collecting social security is advantageous if you wait and collect a larger monthly amount but I have a thought... Assumption: If you wait till age 66 you obviously do not need the income so this ass...
by TT
Fri Nov 21, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 5605

Re: Ashley Furniture

Has anyone here bought furniture from Ashley Furniture Store? We went there recently and liked the stuff, even though it seemed a bit more expensive that other stores. I don't mind spending the extra money if product is of good quality. Any reviews you guys can give? Thanks. http://www.consumeraffa...
by TT
Mon Nov 03, 2014 7:28 pm
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3444

Re: Vinyl Siding over wood

Vinyl siding is not as durable nor as resistant to water penetration as most people think and the paper wrap vapor barriers deteriorate significantly faster than the manufacturers advertise. If you currently have vinyl siding that is over 20 years old I can assure you the wrap vapor barrier behind i...
by TT
Fri Oct 31, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Vinyl Siding over wood
Replies: 18
Views: 2021

Re: Will canceling my Discover card lower my FICO score?

I cancelled a 13 year old credit card as the terms of the rewards were changed and were not competitive with other offers currently available. My credit score went down 4 points and a couple of months after owning the new card it went up 8 points.
by TT
Thu Oct 23, 2014 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Will canceling my Discover card lower my FICO score?
Replies: 9
Views: 997

Re: Clothes Dryer drying very slowly

I had a similar problem with dry time. First are the towels coming out of the washer rung well from a high spin cycle? Sometimes a large load of towels gets off balance in the washer and they are not spun dry well resulting in extended dry times. After you follow the other recommendations i.e. vent ...
by TT
Sun Oct 12, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 2002

Re: Are Savings Bonds Considered Cash?

15 year old EE are currently earning less than 1.5%
You may want to check here:
http://www.treasurydirect.gov/BC/SBCPrice
by TT
Sun Oct 12, 2014 7:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Are Savings Bonds Considered Cash?
Replies: 16
Views: 1022

Re: Are Savings Bonds Considered Cash?

Are you saying they are 30 years old? You may want to check the dates and see if they are still earning interest: SERIES ISSUE DATE NUMBER OF YEARS BONDS EARN INTEREST E May 1941- November 1965 40 years E December 1965 - June 1980 30 years EE All issues 30 years H June 1952- January 1957 29 years, 8...
by TT
Sun Oct 12, 2014 7:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Are Savings Bonds Considered Cash?
Replies: 16
Views: 1022

Re: Penfed CDs up rates

This site has accurate and up to date rate offerings:

https://www.depositaccounts.com/cd/5-year-cd-rates.html
by TT
Sun Oct 05, 2014 6:29 am
 
Forum: Investing - Theory, News & General
Topic: Penfed CDs up rates
Replies: 11
Views: 3119

Bonds Beware

Any thoughts on this article ?

http://www.usatoday.com/story/money/mar ... /16613571/

Thanks
by TT
Sun Oct 05, 2014 6:16 am
 
Forum: Investing - Theory, News & General
Topic: Bonds Beware
Replies: 34
Views: 5128

Re: Subaru Blues

Interesting thread for me. I currently have a 2005 Volvo XC-70 (AWD) wagon. Bought it when I lived in Vermont because I wanted the AWD for the snow and good rooftop carrying capacity for our kayaks. It's been a decent car but Volvos have gotten a bit too pricey for me. Only have 125K miles on it so...
by TT
Sat Aug 30, 2014 6:45 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8458

Re: Subaru Blues

Here is my experience with Subaru- 2000 Subaru Outback 196,000 miles 4 cylinder - head gaskets replaced under warranty @ 90,000 otherwise normal maintenance 2004 Subaru Outback 172,000 miles 6 cylinder - normal maintenance currently my daily driver 2010 Subaru Outback 84,000 miles 4 cylinder - norma...
by TT
Fri Aug 22, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8458

Re: Carrara Marble - Large Orange Stain

I would guess considering the location it is a rust stain and given that marble is soft and porous it probably is permanently embedded in the stone.
by TT
Sun Aug 17, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Carrara Marble - Large Orange Stain
Replies: 13
Views: 1390

Re: Drought Management

this paleoclimatologist report was aired on NPR:

http://newscenter.berkeley.edu/2014/01/ ... ater-woes/
by TT
Sun Aug 03, 2014 6:47 am
 
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 3271

Re: Septic System Replacement

In our area you do not have to pump the tank regularly. In fact if used correctly and cleanly a septic system might never need pumping in its lifespan or not more than once in ten plus years. By cleanly I mean no bleach, minimal chemical household cleaners, no trash, and no grease or oil down the d...
by TT
Sun May 25, 2014 5:45 am
 
Forum: Personal Consumer Issues
Topic: Septic System Replacement
Replies: 24
Views: 1574

Re: What's your number?

I don't mean to sound....but "what is your number" for someone else seems a useless number for sharing. If you live in SF and I live in Fl basic costs to survive are not comparable. That doesn't even consider one's standard of living, expectations, etc, etc, etc. Anyway good luck with you...
by TT
Wed Apr 23, 2014 6:40 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31926

Re: Any Vermont Bogleheads? (Taxes)

I'm Lifelong Vermonter and will attempt to answer your questions. 1. Yes, VT income taxes are calculated based on your federal taxable income line 43 on 1040. There are add backs of any bonus depreciation, or State taxes deducted above $5,000 on Sch A, and some capital gains. http://www.state.vt.us...
by TT
Fri Apr 04, 2014 7:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Any Vermont Bogleheads? (Taxes)
Replies: 9
Views: 790

Re: Potential Move - NYC to Charleston SC

My wife and I are looking to move to a lower cost of living area with better weather. We currently make $250k - $350k per year in NYC. This doesn't go very far and we live in a 1200 SqFt apartment for $4k per month. We are looking to move south for a better quality of life. Our income would only go...
by TT
Fri Apr 04, 2014 6:50 am
 
Forum: Personal Consumer Issues
Topic: Potential Move - NYC to Charleston SC
Replies: 16
Views: 1677

Re: Best ways to show daily news to 9 year old

I see the "Nightly News with Brian Williams" everyday at 7pm on NBC and I want my daughter to join me so that she can also get an update on what's happening around the world. But the advertisements in the middle of the news(like "Cialis") are age inappropriate and I wish this ki...
by TT
Fri Apr 04, 2014 6:33 am
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 2307

Re: [High-frequency trading hurts regular customers]

I am of the opinion that the SEC is responsible for the proliferation of high frequency trading. Back in 2000 & 2001 they allowed trading to transition from fractions of eights, sixteens, thirty-seconds of a dollar to decimals of (.01). Then in 2012 the SEC allowed trading to a tenth of a penny ...
by TT
Wed Apr 02, 2014 8:11 am
 
Forum: Investing - Theory, News & General
Topic: [High-frequency trading hurts regular customers]
Replies: 107
Views: 7239

Re: Cedar Plank Siding

rustymutt wrote:Bugs love Cedar.

Woodpeckers also
by TT
Thu Mar 20, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Cedar Plank Siding
Replies: 14
Views: 1167

Re: Cedar Plank Siding

Make sure you use only stainless steel nails and don't let anyone convince you to use galvanized nails
by TT
Thu Mar 20, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Cedar Plank Siding
Replies: 14
Views: 1167

Re: Good time for a 2014 model ?

Hi I am planning on buying a car. Because it is the beginning of the year, I was wondering if it is a good time to purchase a 2014 model car. I was told it is hard to bargain around this time of the year. Also, how much will I be able to bargain relative to the invoice price? Thanks Winter months, ...
by TT
Thu Jan 30, 2014 5:48 am
 
Forum: Personal Consumer Issues
Topic: Good time for a 2014 model ?
Replies: 7
Views: 1417

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

vivo per cent'anni :sharebeer
by TT
Thu Jan 23, 2014 6:07 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 23230

Re: How much did your credit card rewards cost you in 2013?

Zero cost - A disciplined approach to investing should be complemented by a disciplined approach to spending :moneybag
by TT
Sun Jan 05, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 6763

Re: Possible new car in the cards

I own a 2000 Toyota Camry with 94k miles and recently found a significant oil leak behind the timing belt. Bought it in June 2013 for about 5k from a private dealer after my ’94 Volvo with 235k miles broke down. I’m considering buying new and then selling the old Camry. I’m not physically capable o...
by TT
Sun Jan 05, 2014 7:57 am
 
Forum: Personal Consumer Issues
Topic: Possible new car in the cards
Replies: 13
Views: 964

Re: 10 Reasons to take your pension annuity over a lump sum

Calculating options of an annuity vs lump sum pension without cola resulted in I could elect the lump sum and generate 5.57% return which would enable me to have the same monthly income and the total principal amount. Considering I did not need the monthly draw to live I elected to take the lump su...
by TT
Sat Jan 04, 2014 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: 10 Reasons to take your pension annuity over a lump sum
Replies: 34
Views: 6202

Re: 10 Reasons to take your pension annuity over a lump sum

Calculating options of an annuity vs lump sum pension without cola resulted in I could elect the lump sum and generate 5.57% return which would enable me to have the same monthly income and the total principal amount. Considering I did not need the monthly draw to live I elected to take the lump sum...
by TT
Sat Jan 04, 2014 5:04 am
 
Forum: Investing - Help with Personal Investments
Topic: 10 Reasons to take your pension annuity over a lump sum
Replies: 34
Views: 6202

Re: Favorite Christmas Gift

Having a full week together with my spouse and my 2 children :happy
by TT
Sun Dec 29, 2013 7:44 am
 
Forum: Personal Consumer Issues
Topic: Favorite Christmas Gift
Replies: 43
Views: 2256

Re: Cash in Your Wallet

Usually 200- 500 dollars Sometimes up to 1,000 You never know when a great deal may arise that requires cash- The Belgium Browning Sweet 16 with 2 barrels for $115 cash Then there was the S & W Model 25 brand new in the box for $ 235 cash Or the Kubota 51" 3 point hitch snow blower in excel...
by TT
Sun Dec 29, 2013 7:41 am
 
Forum: Personal Consumer Issues
Topic: Cash in Your Wallet
Replies: 93
Views: 4380

Re: How many folks have a dog?

Dogs have been a part of our life for years. Currently we have an Australian Shepard who manages to keep me in great physical condition. Our previous dogs were a Bouvier des Flandres and an Akita. People can learn a lot from dogs i.e. what is really important in life.
by TT
Thu Dec 26, 2013 6:19 am
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 8041

Re: The Best Things in Life Are Partly Free

VictoriaF wrote:A smile.

Victoria


+1
by TT
Wed Dec 25, 2013 7:31 am
 
Forum: Personal Consumer Issues
Topic: The Best Things in Life Are Partly Free
Replies: 17
Views: 2410

Roth IRA and RMD

Can someone clarify if Roth IRA's are subject to RMD rules? I am not clear after reading the following IRS publications. Below is the first link and quote from IRS publication stating Roth accounts are subject to RMD rules http://www.irs.gov/Retirement-Plans/Designated-Roth-Accounts---Distributions ...
by TT
Mon Dec 23, 2013 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA and RMD
Replies: 2
Views: 283

Re: Is sales for a start-up a "blue-collar" job?

And your concern is ...?
by TT
Sat Dec 14, 2013 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Is sales for a start-up a "blue-collar" job?
Replies: 14
Views: 1259

Re: Used Toyota Camry vs. Scion tC?

I have owed 2 coupes -Civic and Accord once we became empty nesters. Fun to drive but the 2 doors wears on you after a while- primarily difficult for entry and exit for adults and little headroom, small trunk, etc. I would not consider a coupe for young family - 4 doors or wagon is great I now drive...
by TT
Fri Dec 13, 2013 7:56 am
 
Forum: Personal Consumer Issues
Topic: Used Toyota Camry vs. Scion tC?
Replies: 6
Views: 811

Re: Slippers with Good Arch Support

Try Haflinger clogs - excellent arch support

http://www.amazon.com/s/ref=nb_sb_ss_i_ ... nger+clogs
by TT
Tue Dec 10, 2013 8:57 am
 
Forum: Personal Consumer Issues
Topic: Slippers with Good Arch Support
Replies: 14
Views: 1605

Must be Bogleheads are on the right track after all

"Fama's theory implied that one cannot systematically outperform the market. He said he keeps his personal investments entirely in index funds, a type of mutual fund that tracks the performance of a market index such as the S&P 500 (.SPX)." http://finance.yahoo.com/news/nobel-economic...
by TT
Sat Dec 07, 2013 7:16 am
 
Forum: Investing - Theory, News & General
Topic: Must be Bogleheads are on the right track after all
Replies: 5
Views: 1009

Re: Wood burning stoves in New England

Wood burning is extremely toxic to the environment: http://www.standard.net/stories/2013/10/02/utah-doctors-propose-eliminating-use-wood-burning-stoves Must be a lot of wood burning stoves in CA. I wonder why New England states are not listed with all the wood burning appliances in use Most pollute...
by TT
Wed Nov 27, 2013 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Wood burning stoves in New England
Replies: 88
Views: 5038

Re: Average cost to refinish hardwood floors?

Make sure whoever you select is willing to use Tac cloth on the entire floor before the first coat of Poly. Just using a vacuum will cause poor results. Poly -" Last and Last" is an excellent poly - I would recommend 4 coats not three- ensure adequate drying time between coats. Application...
by TT
Wed Nov 27, 2013 6:09 am
 
Forum: Personal Consumer Issues
Topic: Average cost to refinish hardwood floors?
Replies: 16
Views: 1680

Re: Safest cars for under $30k?

My family car is currently a 2006 Honda Civic. It does well for most safety ratings, but now that I'm a father, I'm thinking about getting something that's safer. What are some of the safest cars that don't cost an arm and leg and get decent gas mileage (at least 30mpg highway)? Some safety feature...
by TT
Mon Nov 25, 2013 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Safest cars for under $30k?
Replies: 40
Views: 3133

Re: Wood burning stoves in New England

I live in Connecticut and own my home which is heated by oil. It's a large home (about 4000 square feet) and we keep the thermostat at 60 degrees and still pay $300-600/month for oil during the winter months. This amount also varies based on the price of oil, which is only going to go up over time....
by TT
Mon Nov 25, 2013 6:13 am
 
Forum: Personal Consumer Issues
Topic: Wood burning stoves in New England
Replies: 88
Views: 5038

Re: Safest cars for under $30k?

I would recommend the largest and heaviest car you can afford regarding purchase price and gas mileage. Bigger is better. Conventional Crash tests do not accurately reflect the real world. http://www.iihs.org/iihs/news/desktopnews/new-crash-tests-demonstrate-the-influence-of-vehicle-size-and-weight-...
by TT
Sun Nov 24, 2013 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Safest cars for under $30k?
Replies: 40
Views: 3133

Re: Wood burning stoves in New England

Just an FYI regarding Oak. I have been burning wood for over 30 years and have burned many species of wood in both a whole house Furnace and a wood stove. Once the wood is cut to the appropriate length and the rounds are split into splits of 2"-5" the wood needs to be stacked off the grou...
by TT
Sat Nov 23, 2013 10:41 am
 
Forum: Personal Consumer Issues
Topic: Wood burning stoves in New England
Replies: 88
Views: 5038

Re: Wood burning stoves in New England

Just an FYI regarding Oak. I have been burning wood for over 30 years and have burned many species of wood in both a whole house Furnace and a wood stove. Once the wood is cut to the appropriate length and the rounds are split into splits of 2"-5" the wood needs to be stacked off the groun...
by TT
Sat Nov 23, 2013 8:14 am
 
Forum: Personal Consumer Issues
Topic: Wood burning stoves in New England
Replies: 88
Views: 5038

Re: Water softener filter vs. Hard Water

Hard water will continue to cause issues with your plumbing esp. hot water fixtures, boiler coil , and water heater. My first Sears softener lasted 17 years so I replaced it with another that is more efficient using less water, electric and salt. Put a water filter inline to filter dirt from enterin...
by TT
Fri Nov 22, 2013 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Water softener filter vs. Hard Water
Replies: 21
Views: 2633

Re: [CryptoLocker] Back Up your files - Back up your files .

FYI to all- hope this is helpfull http://www.cnbc.com/id/101172439 CryptoLocker, a nasty new piece of malicious software, is infecting computers worldwide—encrypting important files and demanding a ransom to unlock them. According to global digital security company Sophos, the malware has been hitt...
by TT
Sat Nov 16, 2013 7:07 am
 
Forum: Personal Consumer Issues
Topic: [CryptoLocker] UPDATE Important Info to protect your Data
Replies: 68
Views: 6280
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