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Re: Converting i-bonds to electronic

Thank you for your responses. Re stevewolfe, even though I am currently having issues with the web site I would prefer to have all my i-bond investments in electronic form for reasons of simplicity and consistency. Re scritic, the instructions are very clearly written. I had forgotten that I had ope...
by vbdoug
Tue Apr 15, 2014 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting i-bonds to electronic
Replies: 7
Views: 628

Converting i-bonds to electronic

I want to do this but I have found the Treasury Direct web site most unhelpful. For those that have all ready tried to convert, was it seamless or if not, what were your issues?
by vbdoug
Tue Apr 15, 2014 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting i-bonds to electronic
Replies: 7
Views: 628

Re: Opus Bank

Re Opus Bank. I have had the account for a few months. They did advise me that the interest rate was subject to change. They just lowered it from 1.05% to 1.00% APY. I park a little money there at a good rate. I have never seen them advertise their rate except by post card. I am still happy.
by vbdoug
Mon Mar 10, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opus Bank
Replies: 11
Views: 1156

Re: Son moving to LA - neighborhood/town recommendations?

He should go to one of the South Bay Beach Cities; Manhattan, Hermosa or South Redondo. It is expensive but he will have the time of his life.
by vbdoug
Sat Mar 08, 2014 2:46 am
 
Forum: Personal Consumer Issues
Topic: Son moving to LA - neighborhood/town recommendations?
Replies: 43
Views: 3067

Re: i-bonds

Mel, thanks again for your time and expertise. I will purchase 10k this month and the remaining 5K after I get my tax return. Best to all.
by vbdoug
Thu Jan 02, 2014 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: i-bonds
Replies: 5
Views: 1069

Re: i-bonds

It was Mel's comments on the old M* forum years ago that convinced me to purchase i-bonds annually. As far as I am concerned he is the most authoritative advisor on i-bonds that I can imagine. This issue is resolved. Thank you, Mel, for your response. If I may, one last question for the forum. I exp...
by vbdoug
Wed Jan 01, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: i-bonds
Replies: 5
Views: 1069

i-bonds

I have purchased I-bonds for the last few years and will to do it again in 2014. I just went to Treasury Direct and under "Maximum Purchases" it states "$10,000 each calendar year for each Social Security Number. You may buy up to $10,000 in electronic i-bonds, and up to $5,000 in pap...
by vbdoug
Wed Jan 01, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: i-bonds
Replies: 5
Views: 1069

Re: I just sold half my TIPS, now what to buy

Yesterday I sold half my TIPS funds {VIPSX} because I did not want a bond fund with that long a duration. That transaction will close tonight. And tomorrow I will use those funds to purchase the S/T TIPS fund, VTAPX. Just now I exchanged the other half to the TIPS fund into VTAPX. That transaction w...
by vbdoug
Wed Dec 04, 2013 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: I just sold half my TIPS, now what to buy
Replies: 25
Views: 2303

Re: I just sold half my TIPS, now what to buy

Thank all of you for your comments and let me answer them. My IPS is 40% stocks, 50% bonds and 10% cash/cd's. It is high in short term assets because I believe interest rates will rise {eventually} and I am getting pretty good rates on my savings/cd's. The advisor suggested VTABX {Total Internationa...
by vbdoug
Tue Dec 03, 2013 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: I just sold half my TIPS, now what to buy
Replies: 25
Views: 2303

I just sold half my TIPS, now what to buy

Yesterday I received a letter from Vanguard introducing "Vanguard Personal Advisor Services" and called them up. That service charges a .3% fee and I said that I would pass. Because I am Voyager Select I ended up speaking to an advisor that explained how TIPS are subject to extreme interes...
by vbdoug
Tue Dec 03, 2013 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: I just sold half my TIPS, now what to buy
Replies: 25
Views: 2303

Re: costco auto insurance

I switched to Costco/Ameriprise car insurance from AAA about 10 years ago and saved a lot of money. I have been in two accidents since then and have been treated well. I have since added home insurance along with an umbrella policy and feel quite content.
by vbdoug
Tue Dec 03, 2013 4:20 pm
 
Forum: Personal Consumer Issues
Topic: costco auto insurance
Replies: 16
Views: 4995

Re: Will an iPad be cheaper now (Black Friday) or in January

Three years ago on Black Friday I saved $50 on an iPad 2 using their toll free number. It took about 20 phone calls to connect with a salesperson. As I recall they do not publicize their Black Friday sales until very close to the date itself.
by vbdoug
Mon Nov 25, 2013 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Will an iPad be cheaper now (Black Friday) or in January?
Replies: 12
Views: 1294

Re: best place to park $200K for a year?

In California, both Opus Bank and Union Bank offer money market rates of 1.00% or higher. Opus Bank does not publish their rate; other local banks may
by vbdoug
Sat Nov 09, 2013 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: best place to park $200K for a year?
Replies: 22
Views: 2607

Re: iPad deal at Target

Thank you climber2020! Only one person at Target was set up to make the refund and so with a short line it took about 35 minutes to get my $200 gift card. That store was out of stock so I drove about 7 miles and picked up my new iPad Air at another Target store. You rock!!!
by vbdoug
Fri Nov 08, 2013 9:20 pm
 
Forum: Personal Consumer Issues
Topic: iPad deal at Target
Replies: 23
Views: 3922

Re: Opus Bank

Today my 3 month CD via Vanguard expires and should be swept into my Prime Money account. The .35% rate for 3 month CD's remains unchanged. The Opus Bank rate is still 1.05% APY. I would like to thank those that have contributed to this thread. I realize that 1.05% is not very much, but when you con...
by vbdoug
Wed Oct 30, 2013 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opus Bank
Replies: 11
Views: 1156

Re: Opus Bank

After reading the scathing personal reviews in deposit accounts.com it is interesting to hear of one positive experience. From what I gather Opus caters to business and individuals that do not require a lot of fuss. I have not had the occasion to monitor the offerings by banks of teaser rates to att...
by vbdoug
Wed Oct 16, 2013 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opus Bank
Replies: 11
Views: 1156

Re: Opus Bank

Thank you for your responses. My CD expires on the 30th and if things go as planned I hope to open my Opus account on the 31st. The rate has been 1.05% since July. It is a money market account so both sides can be flexible. It is FDIC insured. There are not any penalties of any kind. Smartypig is no...
by vbdoug
Tue Oct 15, 2013 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opus Bank
Replies: 11
Views: 1156

Opus Bank

I have a certain amount of cash that I kept in Vanguard's Prime Money Fund. I moved those funds to one of their "outsourced" 3 month CD's that offered an interest rate of .35%. It matures on the 30th of this month and continues to offer the same rate of interest. As are many, I am looking ...
by vbdoug
Sun Oct 13, 2013 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opus Bank
Replies: 11
Views: 1156

Re: Vgpmx down 40%, time to buy?

I have almost 5% of my Vanguard portfolio in VGPMX. In "normal" conditions I expect it to trail the market. But I am in a place where I am more concerned about inflation and the relative value of the dollar than I am about making a slightly higher return. For that reason I may increase my ...
by vbdoug
Sat Oct 12, 2013 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: Vgpmx down 40%, time to buy?
Replies: 27
Views: 4196

Re: Interest rate of Vanguard money market

This is a response to my previous comment made in July of 2013. So I purchased a 3 month CD using Vanguard with a rate of @ .35% that is going to mature in a couple of weeks. The current rate is still .35% for a renewed CD. I just received a post card from Opus Bank [bricks and mortar and local} off...
by vbdoug
Tue Oct 08, 2013 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest rate of Vanguard money market
Replies: 11
Views: 2479

Vanguard Energy Funds

What drives VGELX or VGENX? I understand that the health of the world economy is key, but I also thought that the recent unrest in the Middle East might have caused these funds to skyrocket. What are the primary forces that would affect these funds?
by vbdoug
Fri Aug 30, 2013 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Energy Funds
Replies: 3
Views: 572

Re: Grocery shopping price comparison (Costco vs BJs vs Sams

There is a Sam's about a mile away from where I live. About 10 years ago a Costco opened right next to it and for awhile I went to both stores. In terms of price and quality Costco is at least two cuts above. I would say there are more people waiting to get into Costco before they open than the tota...
by vbdoug
Thu Aug 29, 2013 11:24 pm
 
Forum: Personal Consumer Issues
Topic: Grocery shopping price comparison (Costco vs BJs vs Sams...)
Replies: 35
Views: 4781

Re: Why no Vanguard 2% cash back Visa card?

After abandoning the Schwab card after they gave up the 2% rebate I went to Priceline. Now that Priceline is now underwritten by Barclays I expect they will also eliminate the 2% rate. So I put 3K into Fidelity's Spartan Total Market Index Fund {FSTMX} with an ER of .10 and am now using their AX car...
by vbdoug
Thu Aug 29, 2013 11:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why no Vanguard 2% cash back Visa card?
Replies: 36
Views: 3868

Re: Freezing credit Reports

+ 1 more. I have had my credit frozen for about 8 years. It is easy to unfreeze and a terrible hassle if you lose your pin {and I did that, too}. The protections a credit freeze can give you are greatly worth the price
by vbdoug
Thu Aug 01, 2013 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Freezing credit Reports
Replies: 8
Views: 559

Re: Interest rate of Vanguard money market

In my original post my primary concern was getting a little more interest than what the Vanguard Prime Money Fund paid. And for that relatively small amount I do not think that effort would be worth my time. However, I have accumulated a large amount of VFSUX {Short-term Corporate bonds} that compri...
by vbdoug
Wed Jul 24, 2013 2:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Interest rate of Vanguard money market
Replies: 11
Views: 2479

Re: Interest rate of Vanguard money market

I just got off the phone with Vanguard and everything dm200 states is fact. The Vanguard rep added that while one month CD's are not available today they might will be offered tomorrow. He confirmed that the best rate on a 3 month CD was .35% today and speculated that the one month CD tomorrow {if o...
by vbdoug
Thu Jul 18, 2013 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest rate of Vanguard money market
Replies: 11
Views: 2479

Re: Interest rate of Vanguard money market

I have most of my short-term reserves locked up in a five year c/d with a credit union that will mature in about 3 1/2 years. The rest of it in the Vanguard Prime Money Market Fund and I also have some investments in the Vanguard GNMA Fund. I like the idea of keeping some short-term reserves with Va...
by vbdoug
Wed Jul 17, 2013 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest rate of Vanguard money market
Replies: 11
Views: 2479

Lessons from the last crash?

Were there any? Most investors suffered in the last stock market crash. After the downturn, Bogleheads who stayed the course did quite well. We could have another panic. Or maybe not. My question for the Bogleheads: Did the crash change your investment strategy in any way whatsoever?
by vbdoug
Tue May 07, 2013 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lessons from the last crash?
Replies: 44
Views: 4124

Re: I-Bonds: Paper or Electronic

As the OP I want to thank you all for your assistance. I have decided to maintain holding both paper and electronic I-Bonds. While it would be a tad more convenient to make them all electronic, essentially it does not make that much difference. I have made copies of all of my I-Bond certificates and...
by vbdoug
Tue Apr 30, 2013 2:05 am
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds: Paper or Electronic
Replies: 44
Views: 1797

I-Bonds: Paper or Electronic

I have about 30k of each and I was thinking about making them all electronic for reasons of simplicity. Are there any negatives to this concept and are there any things I should be aware of?
by vbdoug
Fri Apr 26, 2013 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds: Paper or Electronic
Replies: 44
Views: 1797

Re: Cheap Wall St Journal?

Thanks for all the good advice. My subscription expired a week ago but they are still delivering the paper. I just went to eBay and paid the $49.99 on a "buy it now" deal for a full year subscription. The seller says the new subscription may take up to four weeks to start so I may or may n...
by vbdoug
Mon Mar 25, 2013 8:40 am
 
Forum: Personal Consumer Issues
Topic: Cheap Wall St Journal?
Replies: 60
Views: 7215

Re: Cheap Wall St Journal?

My subscription to the WSJ {print and electronic} expired last week and they are still delivering the paper. I was paying $119 plus tax {in California} that brought it up to $130. I just got off the chat line with WSJ and the lowest rate quoted was $187 plus tax. In the past I have done the dance wi...
by vbdoug
Wed Mar 20, 2013 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Wall St Journal?
Replies: 60
Views: 7215

Re: Getting rid of Silverfish

Place a few bay leaves around the area and they will disappear. Seriously.
by vbdoug
Fri Feb 01, 2013 2:41 am
 
Forum: Personal Consumer Issues
Topic: Getting rid of Silverfish
Replies: 15
Views: 2440

Re: Has Your Bond Allocation Changed Recently?

Yes. I have moved more heavily into some five year CD's and the Vanguard S/T Corporate fund. I am now 42% stocks, 38% bonds and 20% cash {that includes CD's}. Formerly I was 55% stocks, 40% bonds and 5% cash. I have more money now and am less concerned with accumulating more than I am in retaining e...
by vbdoug
Tue Dec 11, 2012 4:45 am
 
Forum: Investing - Theory, News & General
Topic: Has Your Bond Allocation Changed Recently?
Replies: 20
Views: 1663

Re: Should we really invest in short term bonds now?

FYI, The American AIrlines Federal Credit Union pays 2.27% APY for five year CD's and has for quite some time. I do not know why they are so rarely listed on the web sites that track such things. Sadly for most, membership in the AAFCU is very restrictive.
by vbdoug
Tue Dec 11, 2012 4:37 am
 
Forum: Investing - Theory, News & General
Topic: Should we really invest in short term bonds now?
Replies: 36
Views: 3412

Re: So much for the 2% Cash Back Sallie Mae Visa card

Good luck with your refund. When Sallie Mae went down they closed their web site. You now deal with Barclay's. They told me a month ago that they would call me in a week re my refund. They did not. Then they said it would be two weeks. I called last week and they said it could easily take a month mo...
by vbdoug
Wed Dec 05, 2012 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: So much for the 2% Cash Back Sallie Mae Visa card
Replies: 41
Views: 4705

Re: CD with the American Airlines Credit Union

I bumped this conversation once and I wish to do it one last time. I plan on adding some more money to the American Airlines 5 year CD that still pays 2.27% APY. It fits in with my asset allocation and my long term plan. If anyone has anything negative to say about this credit union please respond b...
by vbdoug
Sun Nov 25, 2012 3:27 am
 
Forum: Investing - Help with Personal Investments
Topic: CD with the American Airlines Credit Union
Replies: 5
Views: 1254

Re: So much for the 2% Cash Back Sallie Mae Visa card

I believe that the refund rate when Barkley's takes over is only 1%. Under the old system, you earn two points for every dollar spent. The redemption rate for points is up to $0.01 per point depending on the number of points redeemed. For the transition, points earned will be retained. Under the ne...
by vbdoug
Thu Oct 18, 2012 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: So much for the 2% Cash Back Sallie Mae Visa card
Replies: 41
Views: 4705

Re: So much for the 2% Cash Back Sallie Mae Visa card

I believe that the refund rate when Barkley's takes over is only 1%.
by vbdoug
Wed Oct 17, 2012 1:44 am
 
Forum: Personal Finance (Not Investing)
Topic: So much for the 2% Cash Back Sallie Mae Visa card
Replies: 41
Views: 4705

Re: So much for the 2% Cash Back Sallie Mae Visa card

So I abandoned Sallie Mae for Priceline and I hope that will work out for me. But I am very disappointed with what my final check will be from Sallie Mae. Sallie Mae stated that to get the full 2% you had to have 25,000 points: $250.00, with 35,000 points: $350.00 and with 50,000 points: $500.00. So...
by vbdoug
Wed Oct 17, 2012 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: So much for the 2% Cash Back Sallie Mae Visa card
Replies: 41
Views: 4705

Re: current best cash back credit card?

I am responding with the same message in more than one blog. Sallie Mae is being taken over by Barkley's and they are dropping the 2% cards. I should receive the Priceline card is just a few days. I just learned that Priceline is also a Barkley's card. Per a conversation with them today they have no...
by vbdoug
Wed Sep 19, 2012 12:12 am
 
Forum: Personal Finance (Not Investing)
Topic: current best cash back credit card?
Replies: 55
Views: 8535

Re: So much for the 2% Cash Back Sallie Mae Visa card

Same boat. The Sallie Mae Visa card was great. Like the original poster I have been looking for a replacement. I don't need another AX because I all ready have a Costco AX card. After a lot of research I applied and should get a Priceline Card in just a few days. That will be my new 2% card. I have ...
by vbdoug
Wed Sep 19, 2012 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: So much for the 2% Cash Back Sallie Mae Visa card
Replies: 41
Views: 4705

Re: Bond fund versus individual bonds, definitive answer

I have a variety of bond funds with Vanguard but have concerns that bond funds may not be as safe as purchasing individual bonds. As I was researching my question I came upon a larger discussion in The Bogleheads under "Individual Bonds vs a Bond Fund". It was very informative. I also came...
by vbdoug
Fri Aug 31, 2012 2:01 am
 
Forum: Investing - Theory, News & General
Topic: Bond fund versus individual bonds, definitive answer
Replies: 129
Views: 25985

Re: CD with the American Airlines Credit Union

Thank you all for the good information. I purchased my CD's today. This works for me.
by vbdoug
Tue Aug 21, 2012 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD with the American Airlines Credit Union
Replies: 5
Views: 1254

Re: CD with the American Airlines Credit Union

Allow me to bump this up. I am very much into asset allocation and wish to become a more conservative investor. I expect to purchase a couple of CD's from the AACU in the next few days unless someone has anything detrimental to say about this investment. They are still offering a five year CD that o...
by vbdoug
Mon Aug 20, 2012 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD with the American Airlines Credit Union
Replies: 5
Views: 1254

CD with the American Airlines Credit Union

If you qualify for membership they are currently offering a five year CD with an APY of 2.27%. Early withdrawal penalty is one full year of dividends. This seems like it is too good to be true. It is insured by the NCUA. Can anyone point out anything negative about this offer?
by vbdoug
Thu Aug 02, 2012 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD with the American Airlines Credit Union
Replies: 5
Views: 1254

Re: Using Rewards Checking in place of bonds?

I like the idea of getting more than 3% interest and the 25k max would be just fine for me. I can swing the direct deposit {if required} but the dozen or so debit swipes are kind of a pain. Does anyone know why they require that for the little revenue they receive? I have spent some time trying to f...
by vbdoug
Tue Mar 13, 2012 2:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Using Rewards Checking in place of bonds?
Replies: 10
Views: 1323

VFH

I put 1.5% of my portfolio into Vanguard's Financial ETF that I purchased at $34.00 this afternoon. Party on. Doug
by vbdoug
Mon Oct 06, 2008 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: So what are people buying today?
Replies: 41
Views: 7372

re Cal/bob and Taylor

Re Taylor's list...... where does that put a commodity fund like PIMCO's PCRIX? I later came to the conclusion that it would be be between REIT's and TIPS after erroneously putting it in a taxable account. And why do you call his list "infamous"? Doug
by vbdoug
Sun Jun 01, 2008 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lazy Portfolio and Tax Efficiency
Replies: 10
Views: 3177
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