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Re: "When you've won the game, stop playing"

Thanks for posting this Taylor. It sort of backs up how I've been thinking. I have more than my age in bonds. I consider CD's as part of my bond allocation. All CD's are 3%, thank you Penfed. I don't need to take on a more aggressive portfolio.

Francis
by fsrph
Tue Jan 20, 2015 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8261

Re: Suze Orman: $100 into $860k, and cfiresim

This concept could be applied to many aspects of your life. How much would you save if you has a short commute to work your whole working life? The common thread is to control spending.

Francis
by fsrph
Mon Jan 19, 2015 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5104

Re: Florida in the summer

It's hard to generalize about Florida summer heat. We need to know what specific area you are interested in, especially if the area is near the ocean or Gulf. I have been visiting South Florida, both East and west coast for years. Let's take coastal SW FL. It's hot in the summer, generally between 9...
by fsrph
Sun Jan 18, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5443

Re: Larry's New Book On Sale

Thanks - always like reading Larry's writings.

Francis
by fsrph
Sat Jan 17, 2015 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Larry's New Book On Sale
Replies: 10
Views: 1746

Re: Getting deposed -- do I need to hire my own lawyer?

If you need your own lawyer, who knows? Depends on the complexity of the case and what the opposition thinks you know. Your previous company offered a lawyer. Instead I'd ask them to foot the bill for a lawyer of your choice. One that represents solely your interests.

Francis
by fsrph
Sat Jan 17, 2015 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4466

Re: Taxact ultimate version $6

mikep wrote:I noticed $6 is removed from the linked page. Is the deal dead now? My account is still showing the $6 price.


I tried and the $6 deal is not on the linked page either. It is charging me $17.99.

Francis
by fsrph
Thu Jan 15, 2015 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 45
Views: 2700

Re: Taxact ultimate version $6

iWantToLearn wrote:
What a deal! Hopefully it's an easy switch and transition from TT.


I'm interested in this too. Is it easy to use TaxAct if I've previously used TT? I'd switch in a heartbeat if it is.

Francis
by fsrph
Thu Jan 15, 2015 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 45
Views: 2700

Re: Dazed, Confused and Upset

I would call up Vanguard Concierge services (with EJ statement/account info in hand) and have them initiate the transfer. I would do this also. Vanguard has always been great when I transfered funds to them. In fact, when I did a rollover they did all the work. I wouldn't worry what the sales rep f...
by fsrph
Tue Jan 13, 2015 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6275

Re: Poll: Do you own I Bonds?

Yes I own them. I was fortunate to buy them many years ago when they had a great fixed rate. I did not buy more as fixed rates declined.

Francis
by fsrph
Fri Jan 09, 2015 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5449

Re: Emergency Road Service..........

I have AAA. Was debating renewing this year because I haven't had to use them in years. I decided to renew. Wouldn't you know it, Jan 3rd I had to call them. The service was great as it has been in the past. Another post mentioned geico road service. I have geico car insurance maybe I'll check out t...
by fsrph
Fri Jan 09, 2015 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Emergency Road Service..........
Replies: 36
Views: 2861

Re: Florida West Coast vacation with small kids

I'd recommend the Marco Island Marriott. Great place for kids. The Gulf water usually has gentle waves too. This hotel is right on the beach and has lots of kids activities. It's not cheap during the high season. If you're interested I'd recommend booking well in advance, it sells out often. http://...
by fsrph
Fri Jan 09, 2015 10:09 am
 
Forum: Personal Consumer Issues
Topic: Florida West Coast vacation with small kids
Replies: 24
Views: 2581

Re: Selling mineral rights to land?

I'm not a land man, but $5K with no royalties is a suckers offer - don't take it. My guess is your 11 acres is sitting right smack dab in the midst of the Marcellus shale which is loaded with gas and depending on what part of the shale possibly could have high value liquids as well. Do you need $5K...
by fsrph
Thu Jan 08, 2015 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling mineral rights to land?
Replies: 53
Views: 5469

Re: Best family friendly east coast resorts

It's not much North of the Keys but the Marco Island Marriott is great. Lots of kids activities. Not cheap in the high season tho.
http://www.marriott.com/hotels/travel/m ... b-and-spa/

Francis
by fsrph
Thu Jan 08, 2015 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Best family friendly east coast resorts
Replies: 8
Views: 1033

What's in your car emergency kit?

With winter weather here was wondering what do you keep in your car emergency kit (if you have one). I keep a flashlight, fix a flat spray, oil, small tool kit and jumper cables. I was thinking of adding a small air compressor or possibly an air compressor/power jumper combo. Is this overkill? What ...
by fsrph
Thu Jan 08, 2015 3:06 pm
 
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 4001

Re: Choosing between 5 Yr - 7 Yr - 10 Yr CDs

Since the Tobyhanna 7 year CD was mentioned in this thread, just wanted to pass on it's no longer offered on their website.

Francis
by fsrph
Wed Jan 07, 2015 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between 5 Yr - 7 Yr - 10 Yr CDs
Replies: 52
Views: 5174

Re: Paper Statements

Call_Me_Op wrote:Am I the only one who cannot give-up receiving financial statements in paper form? I do not feel comfortable otherwise. Am I wrong to feel this way?


You're not the last one. I prefer paper statements from Vanguard. Heck, I even get paper statements from Penfed and they charge $1 a month.

Francis
by fsrph
Sun Jan 04, 2015 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3391

Re: Test drive new vehicle without sales pressure?

greg24 wrote:
user5027 wrote:In the 70's when I was in high school the motorheads said Ford stood for Fix Or Repair Daily. :)


My dad, who dates even older, always said Found On Roadside Dead. :D


Or backwards - Driver Returns On Foot
by fsrph
Fri Jan 02, 2015 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 46
Views: 3418

Re: PenFed CD rates up. 2% max.

I'll keep mine in CIT bank, where I get 1% in an easy access savings account. There's absolutely no sense in tying up cash for seven years for a paltry 1% more. It's just not worth it. I agree with Swampy. I'll keep significant money in my Ally savings (0.99%). Maybe add some to the Tobyhanna cd al...
by fsrph
Thu Jan 01, 2015 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: PenFed CD rates up. 2% max.
Replies: 29
Views: 4490

Re: What do you drive, and why?

2010 Subaru Forester, 20k miles - I drive this car year round. I bought it mostly to get around in winter weather. It has been absolutely fabulous in handling winter conditions. I have been driving it in summer too because it had a huge sunroof and a lot of cargo room for golf trips. 2003 Nissan 350...
by fsrph
Thu Jan 01, 2015 8:56 am
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 189
Views: 15160

Re: Car shuts off while driving - death, dealers, & liabilit

The dealer may be honest with you about not having the parts. My Forester was recalled for possible brake line corrosion but I had to wait for parts to be available. I would certainly be concerned driving the car. Others have given you good advice to not have other keys/weight on the key chain. If p...
by fsrph
Wed Dec 31, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Car shuts off while driving - death, dealers, & liability
Replies: 44
Views: 4312

Re: Cheapest Way to Watch Netflix

anonenigma wrote:I use my Blu-ray player to stream wirelessly. Works well.

I use a Blu-ray player for Netflix too. Bought a Sony, very happy with it.

Francis
by fsrph
Wed Dec 31, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest Way to Watch Netflix
Replies: 27
Views: 3045

Re: Poll: Total cost of 2-yr cell phone ownership?

Bought a Windows smartphone over a year ago. Cost was $99. I use data with WiFi only. Yearly cost with t-mobile pay as you go plan was $18. Total cost $117 and have plenty of minutes carried over for another year.

Francis
by fsrph
Mon Dec 29, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Total cost of 2-yr cell phone ownership?
Replies: 54
Views: 3164

Re: Where to put cash now? Prefer CD's.

"Bump." I still have cold feet with Tobyhanna's 7 year commitment and 2 year interest penalty. You can open the Tobyhanna cd with a small amount of money. Then, you can see if Penfed or others have cd rates to your liking. If not, you can add to your Toby cd at any time. I view my Toby cd...
by fsrph
Sun Dec 28, 2014 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put cash now? Prefer CD's.
Replies: 33
Views: 6842

Re: Choosing between 5 Yr - 7 Yr - 10 Yr CDs

I received an email notice from depositaccounts.com that the TobyHanna rate was going to 3.25% sometime in January. Apparently he had it on a good enough source to post it. So far he's been pretty good in that regard. Let's hope so. OK thanks for the heads up. Here https://www.depositaccounts.com/b...
by fsrph
Fri Dec 26, 2014 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between 5 Yr - 7 Yr - 10 Yr CDs
Replies: 52
Views: 5174

Re: Choosing between 5 Yr - 7 Yr - 10 Yr CDs

I just received an email from depositaccounts.com that TobyHanna was raising the floor rate on their 7 year CD from 3.04% to 3.25%. This is the CD that you may add to in the future. Just be aware of a stiff 2 year E.W.P. https://www.depositaccounts.com/banks/tobyhanna-army-depot-cu.html?utm_source=...
by fsrph
Fri Dec 26, 2014 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between 5 Yr - 7 Yr - 10 Yr CDs
Replies: 52
Views: 5174

Re: Choosing between 5 Yr - 7 Yr - 10 Yr CDs

Tobyhanna FCU has a special CD for 3.04APY and it is 7 year CD. The limit to get this rate is 100K, but money can be added at any time, so if you have $30K to invest for example you can start this CD for 7 years yielding 3.04APY and if in 3 years you have another 30K, you can add the money at that ...
by fsrph
Fri Dec 26, 2014 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between 5 Yr - 7 Yr - 10 Yr CDs
Replies: 52
Views: 5174

Re: How much notice to give prior to Retirement ?

Are you considered an "at will" employee? If so then why give any notice when it's not required? If your contract/employment has a specific notice period then use that period. I'm not sure why so much over-thinking..... +1000 Send a txt to your boss: "i quit. not coming to work today...
by fsrph
Wed Dec 24, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much notice to give prior to Retirement ?
Replies: 62
Views: 4547

Re: Where to put cash now? Prefer CD's.

On the Tobyhanna 84 month 3% CD, does that mean any part of the balance over $100,000 gets the very low almost non existent interest? Or is it based on contribution amount? How would I determine the maximum amount to deposit to ensure higher return, if it has to stay put for 7 years? As I understan...
by fsrph
Fri Dec 19, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put cash now? Prefer CD's.
Replies: 33
Views: 6842

Re: Where to put cash now? Prefer CD's.

Tobyhanna CU offers 7 year special CD with 3.04% apy, the withdrawal penalty is a steep 2 years however you can add money to the CD at any time so effectively this can become 6.5.4.3.2.1 year CD as time passes by. I think it is the best deal around right now. I opened this cd a few weeks ago. 100 k...
by fsrph
Fri Dec 19, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put cash now? Prefer CD's.
Replies: 33
Views: 6842

Re: Selling Vehicle of Deceased

Thank you all for the input. I think most of you have confirmed that there isn't an easy answer to the question. I will work through the RMV to go through the proper steps. If that involves opening an estate so be it. Thanks again. I actually sold a car whose title was in the name of a deceased rel...
by fsrph
Tue Dec 16, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling Vehicle of Deceased
Replies: 26
Views: 2150

Re: Help being smart about prescriptions (generics)

My understanding is The thing the government objected to, and which was clearly the company's intent per their shareholder communications, was that they shut down production of the first version recently, before any generics were allowed, thereby forcing all the present patients to switch to the ne...
by fsrph
Sun Dec 14, 2014 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Help being smart about prescriptions (generics)
Replies: 9
Views: 894

Current streaming devices vs G Box

From past posts there's a fair amount of people here who stream media to their TV. Devices I know of to do this are a Roku , Blu-ray player, Apple TV and others. A friend told me about a G Box. I know very little about it altho I did find it on Amazon http://www.amazon.com/Matricom-G-Box-MX2-Android...
by fsrph
Sat Dec 13, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Current streaming devices vs G Box
Replies: 1
Views: 408

Re: Florida Keys Vacation Rental

I'm planning a trip to the Florida Keys and am looking to rent a 2-3 br. I'd prefer to do a lot of exploring so would like a central location (probably not Key West). I'm looking to stay 3-6 nights and spend $200-$300 / night - or maybe a bit more if something really stands out. I've never been to ...
by fsrph
Sat Dec 13, 2014 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Florida Keys Vacation Rental
Replies: 24
Views: 2279

Re: New Rate - 1 year Penfed MM Certificate

Once money gets into savings, you have to get their attention, again, to move it into the CD. Ugh! I found the best time to reach a live person was during the less-busy evening hours. Good Luck! I got lucky. The person who set up my ACH funded the CD and the share account at the same time. Francis
by fsrph
Fri Dec 12, 2014 9:32 am
 
Forum: Investing - Theory, News & General
Topic: New Rate - 1 year Penfed MM Certificate
Replies: 14
Views: 2171

Re: New Rate - 1 year Penfed MM Certificate

Yeah, I called and could only wait on hold for 30 mins.. Hopefully additional funds can be added via ACH after 30 days. This is painful! Yes, ACH by yourself after 30 days but you can call anytime and they'll do it for you. Best bet is to call and wait it out. I think Tobyhanna vastly underrated th...
by fsrph
Thu Dec 11, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: New Rate - 1 year Penfed MM Certificate
Replies: 14
Views: 2171

Re: New Rate - 1 year Penfed MM Certificate

Anyone else have problems communicating with Tobyhanna? It's taken 2 weeks to get an account setup and now have a 2 week hold on initial deposit to fund my CD account. It was not easy to open my cd and I have a Tobyhanna branch near me. Went to the branch, the person who could open the cd was out o...
by fsrph
Thu Dec 11, 2014 8:30 am
 
Forum: Investing - Theory, News & General
Topic: New Rate - 1 year Penfed MM Certificate
Replies: 14
Views: 2171

Re: New Rate - 1 year Penfed MM Certificate

Anyone who's interested in a 1 year Penfed MM Certificate may want to take a look. The 1 year rate - 1.10% - is now higher than anything until the 5 year certificate. I just bought me one with money waiting in my share account for the Dec-Jan sale. Maybe this is it. :happy Seems like they raised th...
by fsrph
Thu Dec 11, 2014 12:13 am
 
Forum: Investing - Theory, News & General
Topic: New Rate - 1 year Penfed MM Certificate
Replies: 14
Views: 2171

Re: Bogleheads.com and FPL Capital Management

If anyone else noticed the .com link now leads to a generic Web page. http://bogelheads.com Francis I believe you have unintentionally misspelled bogleheads. The .com extension to bogleheads still points to FPL Capital Management's Vanguard US Equity Folio page. Thanks for catching my error. My mis...
by fsrph
Mon Dec 08, 2014 1:37 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 30
Views: 3523

Re: Bogleheads.com and FPL Capital Management

If anyone else noticed the .com link now leads to a generic Web page.
http://bogelheads.com

Francis
by fsrph
Mon Dec 08, 2014 1:04 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.com and FPL Capital Management
Replies: 30
Views: 3523

Re: Vacuum Cleaner Suggestions Please

For those of you who have the Navigator ( or Rotator) does it fit under furniture like sofas and beds? Do you use it on non carpeted areas too? Thanks. I have a Navigator, can't speak about the Rotator. The Navigator has swivel steering so it can get into small areas quite well. It can also be used...
by fsrph
Sat Dec 06, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Suggestions Please
Replies: 17
Views: 2338

Tax loss harvesting - when's the best time

I admit I don't know much about tax loss harvesting and could use some advice Assuming you have LT capital gains is TLH more advantageous with low or high income? Or doesn't it matter? More specifically I still have carryover losses from the tech bubble. I also have losses in an individual stock I o...
by fsrph
Thu Dec 04, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting - when's the best time
Replies: 4
Views: 656

Re: Where do you shop for groceries?

Can't pick just one selection from the poll. Mostly I grocery shop at a small local supermarket chain. They have maybe 15 stores. They are especially good for fresh meats and bakery items. Their prices are very competitive and their locations are near where I live. Sometimes when I'm in a Walmart su...
by fsrph
Thu Dec 04, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8003

Amazon product restricted to Prime members. Is this new?

Was looking for a hair dryer on Amazon. I found one I liked but when I read the description it said, "exclusively for Prime members". First time I've ever seen a product restricted to Prime customers. Anyone else seen this? Here's the product - http://www.amazon.com/Andis-40055-Style-1600-...
by fsrph
Wed Dec 03, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Amazon product restricted to Prime members. Is this new?
Replies: 34
Views: 4248

Re: Tobyhanna credit union

I am I interested in this certificate. A big feature for me is you can add to the certificate if interest rates stay low. I did notice that over 100k the rate is 0.05%. So should you invest say 80k and have all your interest @at least 3% or 100k and your interest is @0.05%. Wonder which is better ov...
by fsrph
Tue Dec 02, 2014 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tobyhanna credit union
Replies: 7
Views: 559

Penfed December cd rates released - Down

For those waiting for PenFed's December CD rates. Not good news.

Term Dividend Rate/APY
6 Month 0.300% 0.30%**
1-Year 0.80% 0.80%
2-Year 0.80% 0.80%
3-Year 1.000% 1.00%
4-Year 0.900% 0.90%
5-Year 1.200% 1.21%
7-Year 1.200% 1.21%

Francis
by fsrph
Mon Dec 01, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Penfed December cd rates released - Down
Replies: 6
Views: 1319

Re: Vacuum Cleaner Suggestions Please

We have a Shark Navigator and are happy with it. It replaced an old Hoover Wind Tunnel, which I also liked, but the Shark is much more versatile, is bagless, lighter, has good suction, a bare floor mode and is significantly less money than a Dyson. I agree. Bought a Shark Navigator and very impress...
by fsrph
Sat Nov 29, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Suggestions Please
Replies: 17
Views: 2338

Re: What do you splurge on?

Golf course fees
Golf equipment - lots of Ping and Taylor Made
Big screen Samsung tv
350Z

Francis
by fsrph
Tue Nov 25, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24378

Re: POLL: Do you personally own a cell phone?

Smartphone WiFi only for data. Use t-mobile pay as you go.

Francis
by fsrph
Sat Nov 22, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 3051

Re: smartphone over wifi - still possible?

My latest AT&T contract ends this month, and I'd like to switch from a dumb phone with no data to a smartphone, but I don't want to pay for data. Any recommendations for a prepaid smartphone package with data? I have been using a smartphone with WiFi only data for a year now. I have a Nokia 521...
by fsrph
Sat Nov 22, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: smartphone over wifi - still possible?
Replies: 31
Views: 3056

Re: Shower silicone replacement - Price? DIY?

Hi, Sorry I do not understand the leak mechanism... how you know it is leaking and how you know it is the caulk and not the grout. IMHO this is very important for you to understand. My understanding is that for a tiled shower that the vast majority of leak area would be via the grout. Whereas caulk...
by fsrph
Mon Nov 17, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1794
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