Bogleheads.org

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.

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...

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...

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...

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...

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...

Here is the link to last years report published on June 2012.

http://www.frtib.gov/pdf/reports/Report ... t_2011.pdf

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.

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...

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......................

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...

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...

Downloaded mine. Thanks!

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...

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...

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...

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....

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...

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.

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...

The Motley Fool Investment Guide

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.

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.

YEAh!

I check my agency finance webpage this morning, and I can finally sign up for the ROTH TSP effective Pay Period 10.

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...

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.

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...

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...

They are about 40% of my emergency fund.

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

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...

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 ...

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...

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!

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.

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.

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.

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...

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.

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

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...

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...

Instead, the Munchkin Man was told that the Munchkin Man looked like Ron Jeremy. The Munchkin Man was told this from both a cashier at a supermarket and by a girl in a bar. :) When a girl in a bar says you look like Ron Jeremy, well... let's just say there's a lot that can be inferred from that. Gr...

I use Mint and like it a lot. Have not have a problem.

This is not exclusive to the Marines. I remember when I was a young 2Lt in the USAF, the insistence of my Capt that I join USPA & IRA. He even gave them my information and next thing I know they are calling me at my house directly. Thankfully I did not listen to them.

hollowcave2 wrote:

I just bought some today (5-31-11). Glad I will get interest for the whole month

When you get the issued bond, please confirm that it's a May issue.

Just got it today with the May issue date.

Economics 101 tells me that to finance an asset that goes down in value is a bad idea. A very bad idea. Home prices have been falling, and stock and bond prices have been rising. So it does not take a rocket scientist to figure this one out. I believe the opposite to be true for exactly the same re...

Security Service Federal Credit Union is pretty big here in San Antonio. I would not be surprised if Randolph Brooks Federal Credit Union, also from San Antonio, would soon offer a better rate. Lately RBFCU has been giving better offers than SSFCU.

This is what Rick Ferry covers in his last book. You're right. I just checked Mr. Ferri's book, The Power of Passive Investing , and he does include a few tables showing the increasing probability of an index fund outperforming over 1, 5, 10 and 20 year periods. In fact, he goes even further -- he ...

This is what Rick Ferri covers in his last book.