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Re: Father / Son Deep Sea Fishing Trip

Well if you like deep sea fishing and beer why not Key West? Or maybe Islamorada in the Florida Keys? Key West is more built up than Isloramada with lots of bars and lots of fishing charters. Prices are much higher in winter so perhaps a good time to go is spring or fall. http://www.fla-keys.com/lis...
by fsrph
Thu Feb 26, 2015 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 1263

Re: Subaru and Consumer Reports ratings

I bought a leftover 2010 Forester with the premium trim. Only option was All weather package. Couldn't be happier. It is absolutely great in the snow. I have the manual transmission with the large sunroof. If you're into a big sunroof this is the vehicle for you. Only oil changes and wiper blades fo...
by fsrph
Wed Feb 25, 2015 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 85
Views: 6091

Re: Tobyhanna (Valor)-did they change conditions of 7 year C

What would concern me more is the possibility of a new and improved "redemption fee" upon maturity. I've become accustomed to the (relatively) modest fees credit unions and banks charge to transfer your CD funds elsewhere upon maturity (usually in the neighborhood of $25). But what if the...
by fsrph
Mon Feb 16, 2015 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: Tobyhanna (Valor)-did they change conditions of 7 year CD?
Replies: 11
Views: 977

Re: Tobyhanna (Valor)-did they change conditions of 7 year C

john94549 wrote:I suspect you have read this, but, if not:

https://www.depositaccounts.com/blog/20 ... e-cds.html


Yes I have. I alerted Ken at Depositaccounts.com and he took it from there. He wrote a great article.

Francis
by fsrph
Mon Feb 16, 2015 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: Tobyhanna (Valor)-did they change conditions of 7 year CD?
Replies: 11
Views: 977

Tobyhanna (Valor)-did they change conditions of 7 year CD?

I, and others here, invested in the Tobyhanna 7 year 3% CD. It was unique in that you can make additional deposits anytime during the term. That was an appealing option to me. In the mail, I received a new fee schedule which starts on 3/17/15 that states "Certificate Deposits - fee assessed on ...
by fsrph
Sun Feb 15, 2015 11:51 am
 
Forum: Investing - Theory, News & General
Topic: Tobyhanna (Valor)-did they change conditions of 7 year CD?
Replies: 11
Views: 977

Re: How to interact with medical establishment

I haven't spoken with the Dr. Who performed the surgery. I don't have a follow up appointment with him. He is a specialist located far away; the plan was that I would do follow up in my home town. I called my primary care physician. I wanted to discuss what was going on and find out what he thought...
by fsrph
Sat Feb 14, 2015 6:03 am
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2715

Re: Purchasing Tickets For US Open

If you want to really experience the US Open, I would go during the first weekend. There are many matches going on. You get to see many good players (not the top ones) playing on the outside courts. I personally don't even like going into the main stadium. It is way to big. My favorite day to go is...
by fsrph
Tue Feb 10, 2015 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing Tickets For US Open
Replies: 7
Views: 426

Re: Bank Deposit - Receipt

My bank always gives a deposit receipt. If your bank doesn't routinely give one can't you simply request one? Especially for large deposits. I can't image them saying no.

Francis
by fsrph
Mon Feb 09, 2015 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Deposit - Receipt
Replies: 21
Views: 1418

Re: AAA Car Batteries

If their batteries are only lasting 3 years or less, then they are not very good batteries. However, you are paying the price for a good battery. Jeff I agree. Three years is on the short end of the life of a car battery. I have been wondering if I should just replace a car battery after six years ...
by fsrph
Sat Feb 07, 2015 10:57 pm
 
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 12
Views: 1156

Turbo Tax - schedule D now no extra cost

[Thread merged into here, see below. --admin LadyGeek] Received this email from Turbo Tax today. Seems like they reversed course and are now making available Schedule D and others at no extra cost. Dear xxxxx, We recently tried to explain the changes made to our TurboTax desktop software and apolog...
by fsrph
Thu Feb 05, 2015 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 30563

Re: Vanguard Wellesley Fund

I own Wellesley and and very happy with it. Consistent long term performance. Sometimes I think of putting a great amount of my portfolio in Wellesley and let it ride.

Francis
by fsrph
Wed Feb 04, 2015 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Fund
Replies: 19
Views: 4111

Re: Retire middle of year - How to sign up for ACA?

Watty wrote:Remember to factor in your deductibles in deciding to go with Cobra or ACA.

If you start with a new ACA policy in the middle of the year you will have to start your 2015 deductible with the new policy all over again.


Good point, thanks. Lots of variables to consider.

Francis
by fsrph
Tue Feb 03, 2015 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1000

Re: Retire middle of year - How to sign up for ACA?

They will be looking at 2015 MAGI, Yes and No. Your tax credit will be based on your 2015 income. When you enroll they may use your reported 2014 income - since that is what they have - and grant or not grant an advance premium assistance based on that. I'm retired and expect to have a qualifying i...
by fsrph
Tue Feb 03, 2015 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1000

Re: Retire middle of year - How to sign up for ACA?

OP, You may not want to game things to this degree but one could rely on the 60 day grace period for COBRA before obtaining ACA coverage. There is exemption from the ACA penalty for short periods of being uninsured. Thanks, I didn't know that. I posted at the same time below that COBRA from my empl...
by fsrph
Tue Feb 03, 2015 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1000

Re: Retire middle of year - How to sign up for ACA?

while it is technically correct that if you sign up by April 20 you are eligible for coverage May 1st, I would strongly encourage you to sign up early in the month that you will loose coverage, particularly before the 15th of the month. There have been problems with people signing up at the end of ...
by fsrph
Tue Feb 03, 2015 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1000

Re: Retire middle of year - How to sign up for ACA?

One other warning - IRS looks at annual income(MAGI) when calculating how much subsidy you receive. Yes I know about MAGI. They will be looking at 2015 MAGI, am I correct? If I only work 4 or 5 months and max out my 401k and do a deductible ira there isn't much income to report. That's why I think ...
by fsrph
Tue Feb 03, 2015 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1000

Re: Retire middle of year - How to sign up for ACA?

Once you know the termination date of your existing coverage you can sign up for an ACA plan. One of the application questions asks if you are losing coverage in the next 60 days. The policy will become effective the first of the month after the date the application was submitted (ex: group coverag...
by fsrph
Tue Feb 03, 2015 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1000

Retire middle of year - How to sign up for ACA?

Thinking about retiring in the middle of this year but have to continue health insurance. I could use COBRA but the cost is much more than ACA. I did some research on the aca site and I would qualify for a small subsidy. Let's say I want to begin ACA coverage on May 1st. I'll have my insurance from ...
by fsrph
Tue Feb 03, 2015 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retire middle of year - How to sign up for ACA?
Replies: 14
Views: 1000

Re: POLL: How Will You Complete Your 2014 Taxes?

Reluctantly Turbo Tax, due to the changes in pricing. Have used TT in previous years. I planned to check out the other popular software but it's important that previous years returns are recognized. Just easier to use TT again.

Francis
by fsrph
Sat Jan 31, 2015 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 4758

Re: What mutual fund companies do you use?

Vanguard
401k at work must be at Principal. When I retire that will be moved to Vanguard as well.

Francis
by fsrph
Wed Jan 28, 2015 10:43 pm
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 3149

Re: Amazon Prime - good deal or calculated conditioning

I'm sure some people buy more because of Prime and some don't. You save significant shipping costs with Prime on big items such as a lawnmower. But is that the best way to buy a lawnmower? To me it isn't. Prime is a tool. If you use Prime for items you would otherwise buy that's great. But control y...
by fsrph
Wed Jan 28, 2015 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 2933

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: 8603

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: 5191

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: 5597

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: 1803

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: 4577

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: 46
Views: 2993

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: 46
Views: 2993

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: 6351

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: 5536

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: 2894

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: 2656

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: 55
Views: 6477

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: 1047

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: 4077

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: 5238

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: 3414

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: 60
Views: 4742

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: 4580

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: 205
Views: 17745

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: 4338

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: 3086

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: 3311

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: 6915

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: 5238

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: 5238

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: 5238

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: 4596

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: 6915

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: 6915
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