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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: 22
Views: 4244

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: 22
Views: 4244

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: 2066

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: 879

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: 396

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: 2203

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: 2080

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: 2080

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: 2080

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: 2080

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: 2491

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: 2491

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: 2262

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: 648

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: 82
Views: 6048

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: 4114

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: 539

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: 1281

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: 2262

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: 234
Views: 20473

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: 2938

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: 2680

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: 1706

Re: Shower silicone replacement - Price? DIY?

Thanks again everyone. With all the advice you gave me I am confident in trying to do this myself when I have some free time. Regarding the price quote I received ($460), the plumber said it would take 8 hours labor to do the job. Some things I've been thinking about - This is a combo bath/shower. I...
by fsrph
Mon Nov 17, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1706

Re: Shower silicone replacement - Price? DIY?

Thanks everyone for the replies. Some thoughts. Just to be clear, the plumber will replace all of the silicone caulking around the tub plus the corner joints, not just where he thinks the leak may be. I don't think it's the drain, the leak only occurs when using the shower. From your tips I think I ...
by fsrph
Sun Nov 16, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1706

Shower silicone replacement - Price? DIY?

Have a small but elusive leak in the tile surround in the shower. It is a combo shower/tub. I thought the diverter valve was leaking so I called a plumber. The plumber said all the valves were OK. He thought the leak was coming from where the tile meets the tub. Recommended removing and replacing th...
by fsrph
Sun Nov 16, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1706

Re: Who is mailing Holiday Cards this year?

I voted that I am mailing Christmas cards this year. But only a few to family members and very close friends. I remember years ago our family probably mailed over 50 cards. Those days are gone.

Francis
by fsrph
Sat Nov 15, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3630

Re: Any Legal ways to lower MAGI for ACA signup?

Does anyone have legal ways they used to lower their MAGI? Sir, I am unaware of any such activity or operation... nor would I be disposed to discuss such an operation if it did in fact exist, sir. I'm not asking anything but tax planning. There are many legal ways to lower MAGI. For example, 1. Con...
by fsrph
Mon Nov 03, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 34
Views: 4389

Re: Pen Fed Lowers November rate

In today's interest rate climate, the Tobyhanna 7 year CD looks like a winner. The rate can also rise but the Prime Rate would have to be greater than 6.54 percent before you see an adjustment. There is a Tobyhanna branch near me, think I'll check it out.

Francis
by fsrph
Mon Nov 03, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pen Fed Lowers November rate
Replies: 3
Views: 1026

Re: Car Maintenance

I bought a new car and never took it back to the selling dealer for service. Took it to a dealer close to me. The car had an insignia from the selling dealer but the closer dealer never gave me any problems servicing the car. In fact I developed a very good relationship with the closer dealer. Any d...
by fsrph
Mon Nov 03, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Car Maintenance
Replies: 32
Views: 4138

Re: Career Advice for an Unhappy Young Doctor?

I'm not a Doctor but I had a friend who decided to go to medical school. Did fine there and followed with an Orthopedic residency. Began practicing and hated it. He left that career path and went to work for a large company that designs implants. Been there for over 20 years. Other places to look fo...
by fsrph
Sun Nov 02, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13598

Re: Any Legal ways to lower MAGI for ACA signup?

Move your CDs into savings bonds. This allows you to eliminate the yearly interest and to bunch them up into a single year when you redeem them. Also, buy some zero coupon bonds that mature the same year. Thanks for the replies. I don't think moving into savings bonds will help. I would be moving f...
by fsrph
Sun Nov 02, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 34
Views: 4389

Re: $25K Budget for a Fun Car

I agree a Cayman is a good choice but don't know if you'll find a decent used one for 25 K.

I have a 350z and really like it. Lots of fun to drive. Had it for 7 years no major repairs needed. You should consider a used 350z or 370z convertible and call it a day.

Francis
by fsrph
Sun Nov 02, 2014 8:44 am
 
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 64
Views: 6939

Any Legal ways to lower MAGI for ACA signup?

On Nov 15th the ACA exchanges will open again. As I understand it MAGI is directly linked to the subsidy amount. I am still working but may retire early next year. I did search Bogleheads and these threads were interesting: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=128794 http://www.bo...
by fsrph
Thu Oct 30, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Any Legal ways to lower MAGI for ACA signup?
Replies: 34
Views: 4389

Re: How often do you change your car's oil?

tomd37 wrote:We only drive each of our two cars 5,000 miles per year and change oil and filter in each once a year.


Same for me. Two cars, both driven less than 5,000 miles per year. Oil and filter changed at annual inspection.

Francis
by fsrph
Fri Oct 24, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12297

Re: "I've had it" at work - how often

How often do you come home from a day at work and say to yourself, 'That was bulls---. I don't need this in my life - I'm done." Let me know your age/tenure, your field, and how often the above occurs. I never thought it would come to this but a few times a week. Hospital pharmacist with 30 ye...
by fsrph
Sat Oct 18, 2014 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12722

Re: I Bonds - Best redemption strategy

Yes, thanks everyone. Especially to #Cruncher, that was quite impressive calculations.

Francis
by fsrph
Sun Oct 12, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - Best redemption strategy
Replies: 13
Views: 1440

Re: I Bonds - Best redemption strategy

Given the limits on ibond purchases it is hard to imagine them causing huge tax bills and it seems like spending them early would only make sense if you had no money in things like IRAs or taxable bonds. Oh, really? Many of us were buying $30,000 a year in the late '90's and early '00's. Those have...
by fsrph
Sun Oct 12, 2014 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds - Best redemption strategy
Replies: 13
Views: 1440

I Bonds - Best redemption strategy

I would say many Bogleheads own I Bonds. It's been over 15 years since they were first offered. The early rates were great and a lot of us want to keep them for the full term. But, are we setting ourselves up for a huge tax bill if we hold all of them to maturity? Is it better to begin redeeming the...
by fsrph
Sun Oct 12, 2014 8:05 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - Best redemption strategy
Replies: 13
Views: 1440

Re: Cleaning Up Leaves

cheese_breath wrote:I just cut the up with my mulching mower and call it good.

This. If you try and bag leaves with your mower the bag fills up very fast. First mulch, maybe a few times, then bag you'll get a lot more chopped leaves in the bag. Follow this procedure every few days.

Francis
by fsrph
Thu Oct 09, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3447

Re: Is my husband a spendthrift? Or I a tightwad?

Lots of good advice already given. The root of the problem is the same if you are poor or rich. If you spend more than you take in you are setting yourself up for problems. Doesn't matter if you make $20k or $400k. And, imo, you spend on necessities, then retirement, then luxuries. In fact this advi...
by fsrph
Thu Oct 02, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 16920

Re: Lawnmower/gas issues

I use a plastic gas can, fairly high capacity (~5 gallons), but usually only get 1 to 1.5 gallons at a time, and then add a stabilizer. I've had a lot of the same issues. What kind of fuel stabilizer are you using? A Toro mechanic told me to use Stabil Marine (green color). He said Stabil (red colo...
by fsrph
Fri Sep 05, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Lawnmower/gas issues
Replies: 48
Views: 2260

Re: Zegna Suits

it's about if Zegna worth $3000.00 or is it not To me or you? To me no but to you I think it's yes. Buy the Zegna suit. You can afford it. You'll have a finely crafted suit of your dreams for the wedding. If you don't use it much after that so what? If you lose a few thousand on the suit that won't...
by fsrph
Sun Aug 24, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 10420

Re: Unlimited cell plans dropping in price?

Didn't read the whole thread so this may have been mentioned. Clark Howard addressed 2014 cellphone plans in his current column. Scroll article for recent breaking cellphone deals.
http://m.clarkhoward.com/mobile/#4

Francis
by fsrph
Thu Aug 21, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 40
Views: 3554

Re: Your biggest "Missed Money" event that still kills you?

Not taking money off the table during the Internet bubble. Internet stocks were going up $50+ some days. Let it ride, why not? Lesson learned.

Francis
by fsrph
Mon Aug 18, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8767

Re: Medical Alert System

A relative uses this and likes it. http://www.walmart.com/msharbor/ip/GreatCall-5Star-Responder-Wireless-Personal-Security-Device/17771066. Bought it in Walmart. Works on Verizon network. Works outside the house (anywhere with Verizon coverage). Monthly fee is $15, quite a bit less than the others. ...
by fsrph
Fri Aug 15, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Medical Alert System
Replies: 19
Views: 978

Re: Oldest age to start medical school?

I knew a pharmacist who went back to school and graduated with an MD degree at about 45 years of age. He chose family medicine so no long residencies. That being said I'm not sure I'd recommend you doing it. Medicine is still a great career but it has changed a lot. Someone else recommended to consi...
by fsrph
Sat Aug 09, 2014 6:50 pm
 
Forum: Personal Consumer Issues
Topic: Oldest age to start medical school?
Replies: 44
Views: 5744

Re: How Much Did You Lose Today?

I lost money today (07/31/14). The fact that I didn't sell anything has nothing to do with it. On 07/30/14 a sale of my portfolio would have provided some number of actual dollars. At the close of business on 07/31/14 , my portfolio would have only provided .987 times as many actual dollars. 1.3% w...
by fsrph
Sun Aug 03, 2014 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15794

Re: Help with a new $5m portfolio for an old lady

Your mom wants little or no risk - I will combine some suggestions already offered.
50% Vanguard LifeStrategy Income
50% Cd 's (2.2-2.3%)
Since your mother has 5M this will cover her monetary needs along with her desire for low risk.

Francis
by fsrph
Tue Jul 29, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a new $5m portfolio for an old lady
Replies: 59
Views: 4816

Re: Do Bogleheads Feel Wealthier?

I read a lot about the wealth effect but I never believed it. My perspective was that of an early career investor. If our stocks went up 1% or 5% or 10%, I did not feel richer at all. It wasn't enough money to make me feel richer. Neither the increase nor the total wealth in dollars were enough to ...
by fsrph
Mon Jul 28, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads Feel Wealthier?
Replies: 57
Views: 4890
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