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by fsrph
Wed May 20, 2015 7:01 pm
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 736

Re: Parks to visit between TX and PA?

Well it sounds like Gettysburg is the one to visit. I have enough sense of history to know which battles were seminal battles in the war. I just don't know which current day historical parks are the best. If you make it to the Gettysburg battlefield, I'd recommend a few of the guided tours with NPS...
by fsrph
Thu May 14, 2015 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: How much in cash?
Replies: 35
Views: 2912

Re: How much in cash?

The question can be interpretated in different ways depending how "cash" is defined. By cash, do you mean in low paying bank accounts? Do CD's count? Do I Bonds count? If CD's and I Bonds count, I'm about 22% cash. But I have CD's at 3% and I Bonds with a 3.4% fixed rate so I'm not complai...
by fsrph
Tue May 12, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 5290

Re: Which Company Do You Have Auto Insurance With?

Geico. I had State Farm for over 30 years before changing last year. SF slowly but steadily raised rates to the point they weren't competitive with Geico. With Geico I have more coverage and less deductibles along with a lower premium. SF agent tried but couldn't come close to Geico's premium. It wa...
by fsrph
Sun May 03, 2015 8:31 am
Forum: Personal Consumer Issues
Topic: ala carte Cable
Replies: 4
Views: 412

Re: ala carte Cable

Sling TV is out with limited channels. They include ESPN with their offerings. But they pick the channels, not you.
http://www.cnet.com/news/sling-tv-every ... d-to-know/

Francis
by fsrph
Sat May 02, 2015 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: There's a monster under my bed... [CDs instead of bonds?]
Replies: 30
Views: 3496

Re: There's a monster under my bed... [CDs instead of bonds?]

...At present, my CD's are earning an average of 3%... Where do you have these CD's such that the average return is 3%? My CD'S are 3% also. Where did I get them? Penfed had 3% 5 or7 year CD's about 16 months ago. Tobyhanna fcu had a 3% 7 year CD that money could be added to a few months ago. Howev...
by fsrph
Fri May 01, 2015 6:57 pm
Forum: Investing - Theory, News & General
Topic: Who's Buying I Bonds Now?
Replies: 39
Views: 2869

New I bond rates out - not good news

[Thread merged into here, see below. --admin LadyGeek] New I bond composite rate = 0%. From Depositaccounts.com - "If you have old I Bonds, you'll have six months of rates that range from 0% (for I Bonds with a fixed rate of 1.60% or less) to 2.00% (for I Bonds with a 3.60% fixed rate). https:...
by fsrph
Wed Apr 29, 2015 5:09 pm
Forum: Personal Consumer Issues
Topic: Help re Car [convertible]
Replies: 43
Views: 3056

Re: Help re Car [convertible]

I don't think anyone mentioned it......

Used 350Z convertible. Two seater, lots of fun.

Francis
by fsrph
Wed Apr 22, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited farmland: Should we sell or keep?
Replies: 40
Views: 3699

Re: Inherited farmland: Should we sell or keep?

Can you subdivide the land and keep your portion? I don't see anything wrong with you owning it. You don't have to farm it. You may still be able to rent your land to the farmer using it now. If you do decide to sell make sure you know it's worth. Don't give it away to the first unsolicited offer. I...
by fsrph
Mon Apr 20, 2015 8:07 pm
Forum: Personal Consumer Issues
Topic: Need advice for buying a blu ray player
Replies: 15
Views: 873

Re: Need advice for buying a blu ray player

I bought a Sony BDP-S3100 (2013 model) with wi-fi, and it does exactly what you want - play discs well and stream. I'm not sure what the newer version is, but I'm really happy with mine. Exactly what I bought too. Happy with it. Mostly use Netflix, YouTube and Crackle and has many other apps as wel...
by fsrph
Sun Apr 19, 2015 6:15 pm
Forum: Investing - Theory, News & General
Topic: What Guaranteed Return Would You Require to Move All Assets
Replies: 54
Views: 3398

Re: What Guaranteed Return Would You Require to Move All Ass

3.5% real. I guess I could have already done this when I bond's had that as the fixed rate.

Francis
by fsrph
Fri Apr 17, 2015 9:37 am
Forum: Investing - Theory, News & General
Topic: Bernstein: "If you've won the game, stop playing."
Replies: 146
Views: 15406

Re: Bernstein: "If you've won the game, stop playing."

I am following his advice, sort of. Have enough to retire. I'm in my mid 50's and only hold 27% stocks. Use Wellesley, Target Retirement Income, some bond funds and CD's. I could have more if my stock allocation was higher and the stock market continued to advance. But I don't care. Enough is enough...
by fsrph
Thu Apr 16, 2015 5:09 pm
Forum: Personal Consumer Issues
Topic: Another Florida Keys question
Replies: 17
Views: 2397

Re: Another Florida Keys question

If you really must go to Key Largo the best way is to rent a car. As others have said, did you consider flying to Miami and head south thru Key Largo to Key West? The drive can be slow but it's certainly scenic. If you fly to Key West and stay in Old Town you can get by without a car - as far as nav...
by fsrph
Mon Apr 13, 2015 6:48 am
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 3902

Re: Has Anyone had a Credit Card Cancelled for not Using It

Have not had one cancelled. But had threats of cancelling if I didn't use it within a few months. So, I used it once to keep it active.

Francis
by fsrph
Sun Apr 12, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Live in house free or buy it?
Replies: 12
Views: 1278

Re: Live in house free or buy it?

There seem to be a lot of factors we don't know about. Does the person want to stay in that location permanently? How old is he or she? How much do they like the house? How does the cost factor into their spending? The agreements have to be in writing, so the person isn't left high and dry if the c...
by fsrph
Sun Apr 12, 2015 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Live in house free or buy it?
Replies: 12
Views: 1278

Live in house free or buy it?

Was trying to help a family member with this decision. Wasn't sure how to advise them. Here's the story. They live in the house of deceased relative. No one in the family objects to this. The only will found was from the1970's and the house was left to another relative. This relative has no interest...
by fsrph
Thu Apr 09, 2015 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 4424

Re: making the switch to Ally Bank

Been a customer at Ally for several years. Had CD 's there and currently have a savings account there. No problems at all.

Francis
by fsrph
Sun Apr 05, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: Snorkeling in South Florida
Replies: 4
Views: 490

Re: Snorkeling in South Florida

bberris wrote:+1 for Pennekamp.
Depending on the conditions, you might get good fish viewing right at the swimming beach. There are lots of snorkeling tour operators in the Keys.


+2 for Pennekamp. State park with lots of activities. Snorkeling just one of many. Scuba, boat tours great too.

Francis
by fsrph
Fri Apr 03, 2015 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Sell "stable" stocks for index?
Replies: 31
Views: 2159

Re: Sell "stable" stocks for index?

A large chunk of my taxable money is in individual large cap stocks I bought years ago. Major holdings are Archer Daniel Midlands, Exxon, Johnson & Johnson, Procter & Gamble, Sysco, Toyota, Waste Management. If my goal is to have moderately low short term risk while still realizing some gai...
by fsrph
Thu Apr 02, 2015 1:03 pm
Forum: Personal Consumer Issues
Topic: South Florida trip
Replies: 14
Views: 1869

Re: South Florida trip

Lots of good ideas so far. Since it's an adult trip I'd recommend from North to South: Start by exploring South Beach in Miami. Concentrate in the area between 5-15th streets. Art deco area nice atmosphere especially at night. Ocean right across the street. Consider staying a night here. Below Miami...
by fsrph
Tue Mar 31, 2015 2:01 pm
Forum: Personal Consumer Issues
Topic: Advice On Dealer's Offer to Exchange Old for new car
Replies: 20
Views: 2226

Re: Advice On Dealer's Offer to Exchange Old for new car

2015 Nissan Altima 2.5S, in a random zip code, using truecar.com: -$19,925, plus tax, plus documentation fees. I think the price at which they are trying to sell you the new Nissan is a rip-off. But their offer is $16,981? Does that include the trade-in? What is a Gunn discount of $5394.. never hea...
by fsrph
Mon Mar 30, 2015 4:39 pm
Forum: Personal Consumer Issues
Topic: Advice On Dealer's Offer to Exchange Old for new car
Replies: 20
Views: 2226

Re: Advice On Dealer's Offer to Exchange Old for new car

Folks, I just received a offer from my dealer offering to exchange my 2007 Nissan Altima for a brand new altima. They talked about offering to provide me with a $24 ,125 2015 Nissan Alima 2.5S for $16,981. The discount would be composed of Gunn Discount of $5,394 plus Nissan Customer Cash of $1, 75...
by fsrph
Sat Mar 28, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon overcharge - can I do anything more?
Replies: 3
Views: 774

Verizon overcharge - can I do anything more?

Signed up for Verizon double play (Internet +landline) at introductory price of $44.99/mo for 2 years. It's been 1 year this month and I receive a Verizon notification that they are raising the price. Thought it would be easy to straighten this out. Contacted Verizon and they said my plan has no con...
by fsrph
Sat Mar 28, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: JOWPYN - The Joy of Working Past Your Number
Replies: 55
Views: 7993

Re: JOWPYN - The Joy of Working Past Your Number

Congratulations on achieving financial independence. The decision to work longer than necessary could he based on lots of things. Like if you enjoy your work, save extra to pass on, buy some one big ticket items. But there is another side to the coin. Others may not like what they are doing or their...
by fsrph
Sat Mar 28, 2015 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3180

Re: Recurring utility bills - How do you pay?

Just to clarify a little. For auto pay I intended to mean where your cc/bank is charged automatically. Your payment info is saved and charged monthly. For online bill pay from your bank, I assume you see the bill and if correct pay it. You are still in charge if you pay the bill. This is electronic ...
by fsrph
Sat Mar 28, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3180

Re: Recurring utility bills - How do you pay?

...I ran into a problem with Verizon where they overcharged me and it was very difficult to get the money credited. ...Francis I would guess that was a Verizon issue, not an auto-pay issue per se. Me, I pay everything I possibly can with the CC (for the cash back), then checking accout. Everything ...
by fsrph
Fri Mar 27, 2015 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 43
Views: 3180

Recurring utility bills - How do you pay?

Was wondering how you pay monthly bills? I used to use auto pay. I ran into a problem with Verizon where they overcharged me and it was very difficult to get the money credited. Anyone have problems with auto pay? I'm not crazy about them storing my cc numbers either. So I now pay month by month and...
by fsrph
Sun Mar 22, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 4049

Re: Urgent Care Centers - When should they be used?

The problem with urgent care centers is that unless your condition is super obvious they do not want to take any malpractice risk and will send you to the er for further evaluation. Any condition that could possibly be serious will result in an uc bill and an ER bill. SO if you have chest pain, sho...
by fsrph
Tue Mar 17, 2015 7:37 pm
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 2272

Re: What's a good digital antenna?

Here's advice from Consumer Reports: http://www.consumerreports.org/cro/news/2009/02/dtv-tips-choosing-and-using-an-antenna/index.htm We used the link in the article to see how close our home was to local stations Based on this information, I bought the cheapest rabbit ears antenna I could find ($9...
by fsrph
Sun Mar 15, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 61
Views: 12185

Re: If I Knew Then What I Know Now

Thanks for posting this. Really enjoyed reading your thoughts.

Francis
by fsrph
Thu Mar 12, 2015 3:27 pm
Forum: Personal Consumer Issues
Topic: Driveway frost heave
Replies: 2
Views: 516

Driveway frost heave

Think I have frost heave in my driveway between the curb and the sidewalk. Two large concrete blocks form the area from the sidewalk to the curb. These blocks were level with the sidewalk but now they are about 1 to 1 1/2 inches above the sidewalk. Here's the problem. When backing out with one of my...
by fsrph
Tue Mar 10, 2015 4:45 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27798

Re: Will you buy an Apple Watch?

No. Really not interested at all.

Francis
by fsrph
Sun Mar 08, 2015 7:21 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying electric shaver
Replies: 29
Views: 1933

Re: Thinking of buying electric shaver

Can't help with a specific model - that depends on what you want to spend. But the brand Braun has served me well over they years. My Braun is still going strong after 7 years.

Francis
by fsrph
Sun Mar 08, 2015 5:38 pm
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5866

Re: Just cut my cable bill...

All the bragging about "cutting cable" doesn't impress me. I would be impressed if one is able to cut cable and internet, because most people are essentially replacing cable with high-speed internet. When I dropped Comcast I already had Internet with Verizon for my home computer. I then u...
by fsrph
Sat Mar 07, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 2032

Re: When you put some credit cards in a drawer and not use t

stan1 wrote:I use the ones I want to keep open at least once per year. I have had accounts close due to non-usage.


That's what I do too. Use dormant cc once a year to keep it active.

Francis
by fsrph
Sat Mar 07, 2015 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Actually Use?
Replies: 67
Views: 5482

Re: How Many Credit Cards Do You Actually Use?

Use Penfed cc for everything. Have second cc I use once a year keep it active.

Francis
by fsrph
Sat Mar 07, 2015 6:56 pm
Forum: Personal Consumer Issues
Topic: Is this ethical? [Selling company equipment to be disposed]
Replies: 41
Views: 2146

Re: Is this ethical?

If the phones end up in a landfill, it does not help anyone. It's bad for the environment and it's just lost money. That would be the alternative. I don't think that is a good outcome. That is not the only alternative. Your company is basing the value of the phones based on what the first recycled ...
by fsrph
Sat Mar 07, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5866

Re: Just cut my cable bill...

I ditched Comcast cable over a year ago. Don't regret it all. Have a setup similar to yours. Antenna for local channels, the HD is great. Use a Sony Blu-ray player for Netflix, You Tube and other apps. I have Comcast too. How much are you paying for your internet from them so that you can still hav...
by fsrph
Sat Mar 07, 2015 2:34 pm
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5866

Re: Just cut my cable bill...

I ditched Comcast cable over a year ago. Don't regret it all. Have a setup similar to yours. Antenna for local channels, the HD is great. Use a Sony Blu-ray player for Netflix, You Tube and other apps. I miss some big live sporting events as they seen to be migrating to cable. For example college fo...
by fsrph
Sat Mar 07, 2015 10:05 am
Forum: Personal Finance (Not Investing)
Topic: ER - How did you know it was time?
Replies: 6
Views: 722

ER - How did you know it was time?

How did you know it was time to retire early? I realize you need enough income sources for ER but let's assume that's taken care of. How do you decide when it's time to cut ties with your job? More info about myself. I'll be 56 in August and generally liked working. The last several years have been ...
by fsrph
Thu Mar 05, 2015 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6681

Re: If you have $1 million...

Don't know if I can answer with the choices given. Having xmillion does not necessarily mean I want a new car. I buy cars new and keep them a long time. If I suddenly doubled my net worth I would not buy a new car. That's because I don't need one. I'm happy with what I have.

Francis
by fsrph
Tue Mar 03, 2015 3:42 pm
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 5913

Re: Taylor Larimore Honored

Congratulations Taylor! You are well deserving of your honors not only in your sailing ability but also in the investment community. Thanks for all you do for us Bogleheads.

Francis
by fsrph
Thu Feb 26, 2015 4:31 pm
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 1583

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
Wed Feb 25, 2015 3:27 pm
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 9972

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
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: 1068

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 7:46 pm
Forum: Investing - Theory, News & General
Topic: Tobyhanna (Valor)-did they change conditions of 7 year CD?
Replies: 11
Views: 1068

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
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: 1068

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
Sat Feb 14, 2015 6:03 am
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 3080

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
Tue Feb 10, 2015 4:36 pm
Forum: Personal Consumer Issues
Topic: Purchasing Tickets For US Open
Replies: 7
Views: 449

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
Mon Feb 09, 2015 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Deposit - Receipt
Replies: 21
Views: 1479

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
Sat Feb 07, 2015 10:57 pm
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 12
Views: 1257

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 ...

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