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Re: Penfed CDs up rates

Security Service Federal Credit Union 5 Year CD 2.18% APR 2.20% APY.

also

Navy Federal has a 12m 3.00% APY offer for a maximum deposit of $3000.00 right now with some other restrictions.
by burnsh
Thu Oct 02, 2014 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed CDs up rates
Replies: 11
Views: 3009

Re: How much you need to save as multiple of salary

TigerNest wrote:
wrysys wrote:Your income grows 1.5 percentage points faster than inflation each year.

That'd be nice. :|


+1
by burnsh
Mon Sep 15, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 51
Views: 6363

Re: "The Bogleheads' Guide to Investing -- Second Edition"

Brantley wrote:I too have bought the first edition already. Are there significant changes in the second edition? Is it worth a purchase?


+1
by burnsh
Thu Aug 21, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: "The Bogleheads' Guide to Investing -- Second Edition"
Replies: 47
Views: 7856

Ortho/Dental Forced Financing Dilema

Here is the situation. We have a very good friend who is a great orthodontist, who just finished treating my first kid for braces for a very good discount. Unfortunately, although she is great, the company she works for is not. My second child is now ready for her braces, and thanks to my friend, we...
by burnsh
Sat Aug 16, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Ortho/Dental Forced Financing Dilema
Replies: 5
Views: 802

Healthcare Recoveries question.

My daughter recently had an accident where she trip and fell down the stairs of our home. My wife took her to the hospital where she received medical treatment. My insurance company, BCBS, after paying for the services, referred the incident to Healthcare Recoveries, a division of Trover Solutions. ...
by burnsh
Tue Oct 15, 2013 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Healthcare Recoveries question.
Replies: 2
Views: 328

Re: USAA disappoints!

by burnsh
Thu Sep 05, 2013 3:59 pm
 
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 5738

Re: USAA disappoints!

USAA Member since 1996. Had my first bad experience with them this year when I made a claim to my homeowners insurance after my wife’s wedding ring got stolen. Had to argue back and forward for a month and a half after their first offer to settle was extremely low, ending up with a settlement of thr...
by burnsh
Thu Sep 05, 2013 3:57 pm
 
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 5738

Re: USAA Homeowner Insurance Increase

USAA Member since 1996. Had my first bad experience with them this year when I made a claim to my homeowners insurance after my wife’s wedding ring got stolen. Had to argue back and forward for a month and a half after their first offer to settle was extremely low, ending up with a settlement of thr...
by burnsh
Wed Sep 04, 2013 4:09 pm
 
Forum: Personal Consumer Issues
Topic: USAA Homeowner Insurance Increase
Replies: 35
Views: 3447

Re: Legos

All I know is I used to love my Space Legos and will forever hate the day I got rid of them after I thought I had outgrown them in my teens. :(
by burnsh
Thu Feb 14, 2013 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Legos
Replies: 52
Views: 4801

3% to 4% on Checking???

Just read this on NBC. "Imagine if you could earn 3 or 4 percent interest on a “free” checking account – with no minimum balance requirement, no monthly fees and free transactions at any ATM in the country? Advertise | AdChoices It sounds too good to be true, but it’s not. The Kasasa checking a...
by burnsh
Mon Feb 11, 2013 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: 3% to 4% on Checking???
Replies: 17
Views: 2826

Re: USAA Willing to do 6 month interest rate match

I would like to know USAA answer to this one: "Imagine if you could earn 3 or 4 percent interest on a “free” checking account – with no minimum balance requirement, no monthly fees and free transactions at any ATM in the country? Advertise | AdChoices It sounds too good to be true, but it’s not...
by burnsh
Mon Feb 11, 2013 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Willing to do 6 month interest rate match
Replies: 36
Views: 3649

Re: USAA Willing to do 6 month interest rate match

On another point, USAA has once again payed their employees a bonus of 18.8% of their base pay. This in a year where they raised their home insurance premiums by 15.7%. See this article: http://www.mysanantonio.com/business/article/USAA-s-18-8-bonus-equals-highest-ever-4232825.php Don't get me wrong...
by burnsh
Wed Feb 06, 2013 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Willing to do 6 month interest rate match
Replies: 36
Views: 3649

Re: USAA Willing to do 6 month interest rate match

USAA Member since 1996. Have tried in the past to get them to match interest rates for an auto loan compared to my local Credit Union. They would not do it. They even told me they never try to match other competitors. You either take their rate or go somewhere else, so I did. My Credit Union auto lo...
by burnsh
Fri Feb 01, 2013 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA Willing to do 6 month interest rate match
Replies: 36
Views: 3649

Re: Why not start a bogleheads radio show/podcast?

I love the Clark Howard radio show and download the podcast everyday and listen to it to and from work. I think it would be awesome if there was a Boglehead radio show/podcast done (even weekly) that allowed people to call in and ask questions. The best part of Clark Howard is that he is product ag...
by burnsh
Wed Jan 16, 2013 10:20 am
 
Forum: Investing - Theory, News & General
Topic: Why not start a bogleheads radio show/podcast?
Replies: 8
Views: 829

Re: SSFCU CD Rates

2retire wrote:How are you planning to do a 5 year CD ladder without a 4 year CD in their mix?


I already have a ladder in place. I am just renewing the latest CD that is maturing for another 5 year CD.
by burnsh
Fri Oct 12, 2012 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: SSFCU CD Rates
Replies: 6
Views: 582

Re: SSFCU CD Rates

Well thankfully I have been a member for the last three years, as well as being a member of two other San Antonio financial giants, USAA and Randolph-Brooks Federal Credit Union. RBFCU actually had better rates than SSFCU last year (and they also have a six year CD for those who want a seven year la...
by burnsh
Fri Oct 12, 2012 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: SSFCU CD Rates
Replies: 6
Views: 582

SSFCU CD Rates

Found these rates for CD's at Security Service Federal Credit Union and wanted to post them because I thought they were good. Certificate of Deposit Rates ...........................................$250........................$500..................$25,000...................$50,000......................
by burnsh
Fri Oct 12, 2012 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: SSFCU CD Rates
Replies: 6
Views: 582

Re: Amazon Business Practice and Cust. Service

I'm glad that it all worked out, but I wanted to mention that I use Amazon A LOT (I checked, and it was more than $13k in the past 12 months) and I've never had a problem with their systems or customer service. I second what Ryan in Chi said. I found that an Amazon credit card tied to my account ge...
by burnsh
Fri Oct 12, 2012 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 2890

Re: Amazon Business Practice and Cust. Service

UPDATE: My brother in law just called me a short while ago and gave me an update. He took the letter he sent me and that I originally posted, and posted the letter in the Amazon Tweeter page, tha Amazon Facebook page, and in the Amazon Customer Reviews for the Kindle he had just purchased. Today, he...
by burnsh
Thu Oct 11, 2012 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 2890

Re: Who is your term-life insurance provider?

Anybody has any experience with USAA Term Life insurance? I would guess they don't have the best price, but I would also guess they have the best rating and customer service. I have used them for Home and Car insurance since 1996, and I am sure I could probably get better rates somewhere else, but I...
by burnsh
Wed Oct 10, 2012 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who is your term-life insurance provider?
Replies: 45
Views: 4967

Re: Amazon Business Practice and Cust. Service

Just to be very clear about something else - Telecheck isn't a run-of-the-mill collection company. In fact, I think OP describing them as a "collection company" is completely erroneous. To my knowledge, they only handle bad checks and I don't think they use the standard consumer reporting...
by burnsh
Wed Oct 10, 2012 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 2890

Re: Amazon Business Practice and Cust. Service

Something isn't right here. He tried to pay with a credit card and the transaction was declined. There is nothing to collect! He owes nothing, they shipped nothing. Yes, he did correct the problem by paying via electronic check, but that part went fine. So where does Amazon feel they got stiffed an...
by burnsh
Wed Oct 10, 2012 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 2890

Re: Amazon Business Practice and Cust. Service

He paid by ACH correct? Then he should obtain a record of that transaction from the bank and send a copy of that to both Amazon and the collection agency as proof of payment. Something else seems to be amiss here though, because 2 weeks is an awfully quick time to send something off to collections....
by burnsh
Tue Oct 09, 2012 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 2890

Amazon Business Practice and Cust. Service

I received a letter from my brother in law about a recent experience he had with Amazon and it has left me baffled. He is worried that this is going to affect his credit and asked me what he could do about it. Below is the letter he sent me: Bad customer service by Amazon. Here’s the situation: I bo...
by burnsh
Tue Oct 09, 2012 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Business Practice and Cust. Service
Replies: 31
Views: 2890

Re: Clark Howard Recommended Sites

Clark Howard biggest reason he gives for recommending a ROTH over traditional is because he believes the government will inevitably raise taxes in the future.
by burnsh
Thu Aug 23, 2012 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Clark Howard Recommended Sites
Replies: 24
Views: 5005

Re: "The Secret of two-times pay" from Your Money Ratios

I am curious to know if someone has done the math, based on the book assumptions, of how long or at what year mark you reach each event (i.e. two-times pay, x years; three-times pay, y years; four-times pay, z years...ETC) Have not read the book, but find the posting interesting, and just order a co...
by burnsh
Thu Aug 23, 2012 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: "The Secret of two-times pay" from Your Money Ratios
Replies: 97
Views: 13906

Re: Financial Books We Detest

The Motley Fool Investment Guide
by burnsh
Tue Jun 05, 2012 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Financial Books We Detest
Replies: 61
Views: 4775

Re: Good debt - a fallacy?

Another thing to consider, is that Student Loans are not dischargeable in bankruptcy. Everything may be perfect now, but you never know what the future may bring. Injury, medical bills, Lawsuits, etc...and your ability to pay the loan changes.
by burnsh
Fri May 25, 2012 11:46 am
 
Forum: Investing - Theory, News & General
Topic: Good debt - a fallacy?
Replies: 22
Views: 4630

Re: ROTH TSP now available in my agency

My effective tax rate has hovered around 2% for years. I definetely think my tax rate will be higher when they force me to retire in 16 years. I also personally believe we will be affected by higher tax rates in the future due to the growing national debt. I rather pay the taxes now than later.
by burnsh
Mon May 14, 2012 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: ROTH TSP now available in my agency
Replies: 3
Views: 491

ROTH TSP now available in my agency

YEAh!

I check my agency finance webpage this morning, and I can finally sign up for the ROTH TSP effective Pay Period 10. :D
by burnsh
Mon May 14, 2012 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: ROTH TSP now available in my agency
Replies: 3
Views: 491

Re: Puerto Rico Bonds

P.R is a U.S. Commonwealth, but P.R has been in a recession longer than the U.S. with no end in site. The local economy has created a massive exodus of purtorricans away from the island and the crime rate is the worst in the world with the highest murder rate topping that of Mexico's drug cartel vio...
by burnsh
Mon Jan 30, 2012 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Puerto Rico Bonds
Replies: 5
Views: 452

Re: CD Ladder Strategy - how to handle gaps, long term rates

I know this is an old discussion, but I just noticed my credit union is now offering a six year Cd making it easy to create that seven year Cd ladder. Check out RBFCU.ORG for their Cd rates.
by burnsh
Mon Jan 30, 2012 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: CD Ladder Strategy - how to handle gaps, long term rates?
Replies: 54
Views: 9414

Re: USAA check deposit at UPS ... anyone use it?

I've used it before with no problems. I have also mailed them deposits with their pre-stamped and addressed envelopes with no problems. That been said, if you are afraid because of the amounts, I don't see the problem with depositing the money in your Navy Federal Account and then tranfering the mon...
by burnsh
Fri Jan 20, 2012 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA check deposit at UPS ... anyone use it?
Replies: 17
Views: 1838

Re: FBI Fingerprinting - background check

Try the electronic fingerprinting that was suggested. A good officer can try different tricks to get readable prints, and the machine will give immediate feedback. Often unreadable or poor quality fingerprints are the results of the subjects type of work. People who work in construction especially a...
by burnsh
Mon Jan 09, 2012 12:40 pm
 
Forum: Personal Consumer Issues
Topic: FBI Fingerprinting - background check
Replies: 9
Views: 1281

Re: What % of your portfolio is in I-bonds/EE bonds?

They are about 40% of my emergency fund.
by burnsh
Fri Jan 06, 2012 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: What % of your portfolio is in I-bonds/EE bonds?
Replies: 30
Views: 2770

Re: Hello, Stranger

VictoriaF wrote:Somebody from the Treasury must be reading this site.

Hello, Stranger, and thank you very much for your consideration! Happy New Year,

Victoria


If they were really visiting the site, they would bring back the Paper Bonds :annoyed
by burnsh
Wed Jan 04, 2012 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: Savings bond limit increased
Replies: 43
Views: 3834

Re: Gold is old hat, Guns and Ammo are the new investment

Yesterday I was speaking with a gun salesman at Bass Pro Shop. He said their stock of handguns is critically low and that their supplies also have record low inventories. It might take up to 3 months before the supply chain improves. People want guns, and particularly hand guns. I think this says s...
by burnsh
Mon Dec 19, 2011 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: Gold is old hat, Guns and Ammo are the new investment
Replies: 61
Views: 4938

Re: Gold is old hat, Guns and Ammo are the new investment

According to the FBI, which processes requests for background checks of prospective gun buyers, 129,166 such checks were performed on Black Friday, Nov. 25, breaking the previous single-day record -- set on Black Friday 2008 -- by nearly a third. The surge in gun sales was initially reported by USA ...
by burnsh
Mon Dec 19, 2011 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: Gold is old hat, Guns and Ammo are the new investment
Replies: 61
Views: 4938

Re: I-Bond Question

With 2012 around the corner, I think it's time to make another purchase, since as I recall these are still paying above 4%. Do I understand correctly that they no longer issue paper bonds ?...so we're limited to $5K/year (In 2011, I purchased a $10K combo of $5K electronic and $5K paper) Thanks, BF...
by burnsh
Sun Dec 18, 2011 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Question
Replies: 4
Views: 649

Re: I Bonds Downloadable Forms gone

mikep wrote:This direct link still works, I had saved as a bookmark:

https://www.savingsbondsdirect.gov/otc/bondOrder.html


Thank you very much. The form was for my father who lives in Puerto Rico and had a hard time finding it at the local banks. Hopefully he'll make the end of year deadline!
by burnsh
Sun Dec 18, 2011 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds Downloadable Forms gone
Replies: 64
Views: 4803

I Bonds Downloadable Forms gone

I was looking online today at treasury direct today for the downloadable forms to purchase paper I bonds and they already removed them from their webpage. Apparently they are in a hurry to kill the paper I bonds.
by burnsh
Sat Dec 17, 2011 7:24 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds Downloadable Forms gone
Replies: 64
Views: 4803

Re: Support your parents in retirements?

My parents are doing pretty well and I don't foresee needing my help in the future. My inlaws in the other hand is just a matter of time, and is coming sooner rather than later.
by burnsh
Thu Dec 08, 2011 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Support your parents in retirements?
Replies: 18
Views: 2054

Re: Burton Malkiel's New WSJ Op-Ed Article

I find interesting, and think it is a little funny, that Suze Orman, which a lot of people don't like in this forum, constantly gives the same advice of getting into munis or into high dividend paying stcks or ETF's.
by burnsh
Wed Dec 07, 2011 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel's New WSJ Op-Ed Article
Replies: 66
Views: 7118

Re: Do you refrigerate butter?

We buy a box of 4 sticks, maybe two boxes at a time. They live in the fridge for storage, but we always have one we keep out on the counter for use. Hard to spread hard butter. Never had a problem. Once in a while for some reason the air conditioning is up a little too warm on a bright sunny summer...
by burnsh
Thu Nov 10, 2011 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Do you refrigerate butter?
Replies: 49
Views: 2839

C Fund 40%
I Fund 24%
S Fund 16%
F Fund 10%
G Fund 10%

Did not change my distribution or my contribution allocation, not planning on doing it either. Not much of a Boglehead if I did.
by burnsh
Wed Aug 17, 2011 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Thousands of TSP participants move to safety of G Fund
Replies: 32
Views: 3677

Establish and maintain good credit. I was 18 at the time.
Open and fund an IRA account. I was 19 at the time.

I followed both
by burnsh
Fri Aug 12, 2011 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best financial advice from your parent(s)
Replies: 39
Views: 2777

Just Got my answer on USAA Investment products for non-members. Still, not crazy about their funds. USAA's investment products, most checking and savings products, credit cards, life insurance, and shopping and discounts are available to other individuals. USAA auto and property insurance is not ava...
by burnsh
Mon Aug 01, 2011 11:16 am
 
Forum: Investing - Theory, News & General
Topic: T Rowe Price new Min Investment Req.-Looking for Alternative
Replies: 11
Views: 2286

T Rowe Price new Min Investment Req.-Looking for Alternative

I used to recommend my friends and co-workers who asked me where they could go to open an IRA account, to look into T Rowe Price if they didn't have the money to initially open the account in Vanguard. T Rowe Price used to let you open an account with no initial investment as long as you signed up f...
by burnsh
Mon Aug 01, 2011 11:06 am
 
Forum: Investing - Theory, News & General
Topic: T Rowe Price new Min Investment Req.-Looking for Alternative
Replies: 11
Views: 2286
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