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Re: Barclays CD 60-month at 2.25% APY

Also consider I Bonds, for which your return will be linked to inflation, state tax-free, and Federally tax-deferred. Annual purchase limit is $10K per individual, and you can buy an additional $10K for your living trust. According to another thread, the rate starting May 1 will be in the ballpark ...
by winglessangel31
Thu Apr 17, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1370

Re: Barclays CD 60-month at 2.25% APY

Barclays is easy to work with; I had a couple of CDs with them, and it was easy to do early withdrawals to take advantage of a better deal that came up at PenFed (3% 5-year). Their online savings account rate also usually is among the top rates--currently 0.90%. I looked on the Penfed website awhil...
by winglessangel31
Thu Apr 17, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1370

Re: Barclays CD 60-month at 2.25% APY

You mention that this money won't be put to use "until late". If that means 20 years or more, and you're relatively confident that you won't have to access the money, what about maxing out on EE bonds, if only for part of the money you're speaking of? Per the wiki section on EE savings bo...
by winglessangel31
Thu Apr 17, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1370

Re: Let's say we live for 150 years...

How would you invest if you were starting out in your career at age 25 and know you would live until age 150? It probable helps to look at the very long-term return of assets classes and what makes them tick. That's what I took a stab at in this article: A Million-Mile View Of Investment Value Rick...
by winglessangel31
Thu Apr 17, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Let's say we live for 150 years...
Replies: 13
Views: 1828

Re: Barclays CD 60-month at 2.25% APY

You mention that this money won't be put to use "until late". If that means 20 years or more, and you're relatively confident that you won't have to access the money, what about maxing out on EE bonds, if only for part of the money you're speaking of? Per the wiki section on EE savings bo...
by winglessangel31
Thu Apr 17, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1370

Barclays CD 60-month at 2.25% APY

I'm 2 weeks late, but Barclays just announced a 2.25% APY 60-month CD with no minimum amount that's FDIC insured and has a 180-day early withdrawal penalty. I know I can do much worse, but can I do much better? :wink: :greedy I'm maxing out tax-advantaged accounts and have no taxable accounts in the...
by winglessangel31
Thu Apr 17, 2014 2:26 am
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1370

Re: Use credit cards to pay rent: Amex Serve?

Your assumption is that the landlord is not already receiving $1000 in payments every month. My renters could not assume that as I was already churning with mine - *I* wanted to get the points, not give them away for free to my renters. Hence the use of Paypal (or Serve or Square). I am totally con...
by winglessangel31
Tue Apr 15, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3526

Re: New PenFed CD rates!

Sheepdog wrote:
nsisson wrote:Looks like they are back down to 1.5% for 5 and 7 years CDs. Was the 3% just a one time thing?

Yes, it was.

According to crowd knowledge, PenFed's rates are the best every December/January. Come back in 8 months!
by winglessangel31
Fri Apr 11, 2014 2:50 am
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 33122

Re: Passport validity: Do I need at least 6 months?

dgdevil wrote:
winglessangel31 wrote:I never said it was a US passport. :twisted: The risk was upon reentry...


The rule covers ALL 3rd party nationals.

The risk was the CBP officer not letting me enter this country.
by winglessangel31
Fri Apr 11, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1537

Re: Passport validity: Do I need at least 6 months?

It's all about risk tolerance. I took the risk and left the US for the Schengen area when my passport had <6 months validity (a renewal did not happen as planned because of paperwork technicalities) and returned on <5 months validity, and did not encounter any trouble. YMMV, and your dice are in yo...
by winglessangel31
Fri Apr 11, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1537

Re: Preventing Office Theft of Food and Other Stuff

dm200 wrote:
rob wrote:http://www.thisiswhyimbroke.com/fake-mold-anti-theft-lunch-bag - It's a sandwich bag that has fake mold as part of the plastic :-)


I love it!

If it looks moldy (or is ages-ago expired), I throw it out for the greater good, even if it's not mine. ;)
by winglessangel31
Fri Apr 11, 2014 12:11 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5030

Re: Passport validity: Do I need at least 6 months?

It's all about risk tolerance. I took the risk and left the US for the Schengen area when my passport had <6 months validity (a renewal did not happen as planned because of paperwork technicalities) and returned on <5 months validity, and did not encounter any trouble. YMMV, and your dice are in you...
by winglessangel31
Fri Apr 11, 2014 12:06 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1537

Re: I don't want to upgrade XP just yet, is that ok?

jackpullo997 wrote:
thebogledude wrote:Total: 427.89


Total research/shopping/assembly hours = 20
Net cost at $100/hr oppty cost = $2427.89

Sorry to burst your bubble, but I think you're way overestimating your opportunity cost. :shock:
by winglessangel31
Tue Apr 08, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6338

Re: I don't want to upgrade XP just yet, is that ok?

I am not a "hacker" who steals information from computers and I know diddly about computer security, but here's my unfounded speculation. I would think that if I were a hacker, ,since this has been in the works for such a long time (termination of XP support), that they would be planning ...
by winglessangel31
Sun Mar 16, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6338

Re: I don't want to upgrade XP just yet, is that ok?

People who say they have outdated computers hooked up to the internet that are not infected might not know that their computers are.
Most of the time, if you are infected, it doesn't affect your own computer. You become a botnet host, and become a scourge to everyone else. :annoyed
by winglessangel31
Sun Mar 16, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6338

Re: Should I pay off my auto loan?

Note : You want to leave a "substantial enough" amount on the loan unpaid , because if it's not enough, they might just write off the remaining amount. Having an open loan on your credit history is actually often better than having it closed, counterintuitively. Is this really necessary? ...
by winglessangel31
Sat Feb 22, 2014 5:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my auto loan?
Replies: 24
Views: 2466

Re: best tips for passwords?

I don't use Lastpass as a create-complex-password-then-forget tool because I like to know my passwords and know that I can use any device out there to get to my accounts. But this comic summarizes everything: http://imgs.xkcd.com/comics/password_strength.png Except don't use "correcthorsebatte...
by winglessangel31
Tue Feb 18, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8418

Re: best tips for passwords?

I find it really intriguing that people are so comfortable with password managers that they'd trust the password manager to do all the memory work. I find it also really intriguing that people are so comfortable with putting all eggs in one basket. Lose the master password/account, lose everything. ...
by winglessangel31
Tue Feb 18, 2014 3:19 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8418

Re: Advice for computer science student

Thanks again, folks! It's a private university ranked Tier 1 by US News (top 150). She definitely has the aptitude but interest wise, maybe just a little. She seems to be enjoying working on her homeworks so who knows? She might really start liking it in the future. She enjoys problem solving and t...
by winglessangel31
Tue Feb 18, 2014 3:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for computer science student
Replies: 33
Views: 2196

Re: Should I pay off my auto loan?

Thought about what you thought about, except that my credit history is in much better shape, because of all the work I put into it, and no thanks to parents or co-signers. My credit history is barely 2 years old, but because of diligence, I'm on solid ground. The car loan I'm keeping open for the sa...
by winglessangel31
Mon Feb 17, 2014 4:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my auto loan?
Replies: 24
Views: 2466

Re: best tips for passwords?

I never suggested using the same password everywhere. :) winglessangel31, I think you missed my point. I really like your comic and suggested technic. Actually thought about implementing it until I considered other challenges that I still need to face. Such as... - changing passwords every 90 days ...
by winglessangel31
Mon Feb 17, 2014 2:54 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8418

Re: best tips for passwords?

i wish lastpass and the like were practical for me. i do much of my internetting at work, behind a massive company firewall/filter that won't let me download or use any outside software. makes using lastpass or other similar password generating software impossible. anyone have any ideas to circumve...
by winglessangel31
Mon Feb 17, 2014 2:44 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8418

Re: Should I become sole provider for fiance?

I didn't even understand the wording of option 4, "No, do not become sole provider, enjoy the generosity while you can." Op should enjoy what generosity ? I am a female and if I were your fiance, I would be grateful for the generosity you have already shown so far and would expect no more...
by winglessangel31
Mon Feb 17, 2014 2:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 6010

Re: best tips for passwords?

Before this escalates and more people do it, it's always a risk that in a thread asking for password tips people start posting real examples of what they do. Your online identities are not that hard to reconcile. :oops: :!: :!: :shock:
by winglessangel31
Sun Feb 16, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8418

Re: best tips for passwords?

I don't use Lastpass as a create-complex-password-then-forget tool because I like to know my passwords and know that I can use any device out there to get to my accounts. But this comic summarizes everything: http://imgs.xkcd.com/comics/password_strength.png Except don't use "correcthorsebatte...
by winglessangel31
Sun Feb 16, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8418

Re: best tips for passwords?

I don't use Lastpass as a create-complex-password-then-forget tool because I like to know my passwords and know that I can use any device out there to get to my accounts. But this comic summarizes everything: http://imgs.xkcd.com/comics/password_strength.png Except don't use "correcthorsebatter...
by winglessangel31
Sun Feb 16, 2014 2:07 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8418

Re: Should I become sole provider for fiance?

I have been working for the past 5 years and earn a modest income. I am recently engaged and my fiance has 2 more years of school left to go in her graduate program. We do not plan on getting married for at least another year. We'll be a middle class family when it's all said and done most likely. ...
by winglessangel31
Sat Feb 15, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 6010

Re: Advice for computer science student

The gf is back in school getting a Masters degree in CS. She has a BS and MS in English/Education. The program has a prerequisite component. 8 classes that cover the basics (programming, data structures, discrete Math) and then 14 or so classes that are the real MS classes. To give you a bit more b...
by winglessangel31
Sat Feb 15, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for computer science student
Replies: 33
Views: 2196

Re: A $1000 lesson on how manipulative salespeople can be?

Thanks everyone! I appreciate your comments. I will watch those movies and remind myself that selling to people who don't want to buy is their job. I will stop carrying my credit card with me so I can only get myself into so much trouble. I'm am thankful I got them down to $1k. It's just that my an...
by winglessangel31
Sun Feb 09, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: A $1000 lesson on how manipulative salespeople can be?
Replies: 70
Views: 7960

Re: Taxes for F-1 Visa Non-Resident

Thank you to everyone's reply. She has been here less than 4 years for college only, so I believe she is classified as a non-resident alien. It looks like she will be owing Uncle Sam about $500 unless there's something I'm missing because she has no deduction or credits. Non-resident alien classifi...
by winglessangel31
Sun Feb 09, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes for F-1 Visa Non-Resident
Replies: 7
Views: 464

Re: Taxes for F-1 Visa Non-Resident

There should be a personal deduction of 6,100 and exemption of 3,900. So taxes should really be on $3,000 of the income unless there is something not listed in your post. When I was on an F1, I did the 1040 NR EZ and 8843 - given that it looks like there are no complex scenarios for this person, th...
by winglessangel31
Sun Feb 09, 2014 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes for F-1 Visa Non-Resident
Replies: 7
Views: 464

Re: What interest rate did you get on your car loan?

Where would I invest the money in the sinking fund and what interest rate could I get for it? If I can't get > 3% guaranteed for it, then a sinking fund doesn't make sense for my situation. I could set aside $25k for my sinking fund and make say 1% on it. In 5 years, that will grow to $26,275 (even...
by winglessangel31
Wed Feb 05, 2014 6:05 am
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 3736

Re: What credit cards do you recommend?

by Jack FFR1846 » Tue Feb 04, 2014 6:55 am Be careful with the Amex Blue Cash (non preferred). The rewards are extremely low until you spend $6500 in the calendar year. I used this in the past when I could put business expenses on it. A bunch of airline flights and hotels got me up there quickly. I...
by winglessangel31
Wed Feb 05, 2014 5:58 am
 
Forum: Personal Finance (Not Investing)
Topic: What credit cards do you recommend?
Replies: 78
Views: 6674

Re: How do you pay your PenFedVisa gas card?

Julieta wrote:Cash rewards Visa, with 5% off gas

You get statement credit automatically. No choice. ;)
by winglessangel31
Sun Feb 02, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: How do you pay your PenFedVisa gas card?
Replies: 19
Views: 782

Re: How do you pay your PenFedVisa gas card?

Julieta wrote:Got it G, I thought there was a cash back credit option like my Discover card. But alas, only store credit. I'd rather have the cash back on the statement.

To confirm what you're saying, you didn't get the PenFed Platinum Cash Rewards Visa, yes? You got the PenFed Platinum Rewards Visa Signature?
by winglessangel31
Sun Feb 02, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: How do you pay your PenFedVisa gas card?
Replies: 19
Views: 782

Re: What credit cards do you recommend?

I'm looking to replace a credit card and many mentioned the Amex Blue Preferred for the 6% grocery discount. Sounded good, but everything I can find shows that card has a $75 annual fee. What about the other cards mentioned? You think it's worth using cards with fees? Thanks. There is a fee and tha...
by winglessangel31
Sun Feb 02, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What credit cards do you recommend?
Replies: 78
Views: 6674

Re: Help for teen with 5-figures to invest

stan1 wrote:I would absolutely use this money to pay for college if the alternative is student loans.

I'm not quite sure - don't student loans calculate interest only after graduation? That's 0% for 4 years! :P
by winglessangel31
Sun Feb 02, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for teen with 5-figures to invest
Replies: 16
Views: 1140

Re: How much financial support should you give your kids?

The gift would come with caveats, though. Then it's not a gift. Along a similar line, if you've raised your children to adulthood and can't honestly trust them to know how to use money wisely, perhaps you need a few more years to impart those values (a much better gift!) before giving the monetary ...
by winglessangel31
Sun Feb 02, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much financial support should you give your kids?
Replies: 53
Views: 3213

Re: Advice wanted on PenFed's 0.49% car-buying service

Oh I already bought the car months ago. :P I was just pointing out how the interest rate has plummeted. Now to convince PenFed to refinance my auto loan... >.< :greedy To complete the thread, I did purchase the car with the $1500 Hyundai Motor Finance discount, and financed with them at 2.99% for 6...
by winglessangel31
Sat Feb 01, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Advice wanted on PenFed's low-rate car-buying service
Replies: 22
Views: 3769

Re: Where to Save Money for Starter Condo Downpayment?

Save the $1500/month in a high-interest (i.e. 0.85% if you can call that "high") savings account. Every four months you will have saved $6000. Buy a 5-year, 3.04% CD at PenFed. Four months later, buy another one. Repeat. After a year you will have 3 different 5-year CDs maturing 4 months ...
by winglessangel31
Fri Jan 31, 2014 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to Save Money for Starter Condo Downpayment?
Replies: 7
Views: 643

Re: What credit cards do you recommend?

in which case the CapOne Quicksilver (1.5% Visa , emphasis to differentiate from the MC version that has fees). You can get a no-fee Quicksilver card as either a Visa or a MC. There is a version of the card with an annual fee that is only offered as a MC, but that's not your only choice. I believe ...
by winglessangel31
Fri Jan 31, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: What credit cards do you recommend?
Replies: 78
Views: 6674

Re: What credit cards do you recommend?

My and many others' belief: a credit card is a tool. Depending on how much fixin' and makin' you plan on doin', getting a specialized tool may or may not make sense. Understand that all "monthly limits" and "yearly limits" below are in terms of how much you can spend to earn at t...
by winglessangel31
Fri Jan 31, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: What credit cards do you recommend?
Replies: 78
Views: 6674

Re: Where to Save Money for Starter Condo Downpayment?

Thanks for the comments. It does seem like my options are pretty limited because of the time frame I specified. What do you think about the wisdom in relaxing that time frame? We can probably assume that I'll be in the area for "long enough to make the purchase worth it", so purchasing wil...
by winglessangel31
Fri Jan 31, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to Save Money for Starter Condo Downpayment?
Replies: 7
Views: 643

Re: How long did it take to realize compounding interest

Hahaha how long did it take to realize the power of compounding interest? One middle school math class. Sold. 8-) Second trimester here. My mother whispered sweet stories about the glories of compound interest. Would have been sooner but my ears didn't develop enough yet. From the context, I believ...
by winglessangel31
Fri Jan 31, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did it take to realize compounding interest
Replies: 45
Views: 4048

Re: Exceeded the limit for Roth IRA in 2013 - advice?

I'm a MAGI newbie so I'm asking a newbie question: is there a way to lower your MAGI? Besides earning less?
by winglessangel31
Fri Jan 31, 2014 1:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Exceeded the limit for Roth IRA in 2013 - advice?
Replies: 8
Views: 716

Re: Withdrawal Roth IRA to pay down student loans

Get aggressive about cutting expenses and earning more new money. I would never take a 10% real hit on top of a projected 10% lost growth (handwaving, assuming the stock market helps you grow 10% a year, very unscientific, but illustrative) to pay off loans that are 4% (fudging your interest rates t...
by winglessangel31
Fri Jan 31, 2014 1:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawal Roth IRA to pay down student loans
Replies: 9
Views: 487

Where to Save Money for Starter Condo Downpayment?

Hello there. I'm a young professional intending to purchase a starter condo in 2.5-3 years because I intend to remain in the same area for at least 8 years from today, possibly longer, and think that building equity instead of paying rent might be a wise choice, having done all the third-hand resear...
by winglessangel31
Fri Jan 31, 2014 1:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to Save Money for Starter Condo Downpayment?
Replies: 7
Views: 643

Re: How long did it take to realize compounding interest

I am a relatively younger boglehead at 24 and this question has had me wondering. How long did it take in say, your vanguard account, to really get hooked? Now, I don't doubt it at all nor do I check it often (checked my account once since my 2013 contributions). But from many older people I talk t...
by winglessangel31
Thu Jan 30, 2014 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did it take to realize compounding interest
Replies: 45
Views: 4048

Re: POLL: Bogleheads' Favorite Social Media Site

If they can tell when, they can tell what, provided they set up the correct logging. I guess one way to test is to write "FU FB!" Ans see what they do. Though of course one could be more expressive and go beyond the six characters. ;) Edit : Or one could have more fun with FB and write so...
by winglessangel31
Mon Jan 06, 2014 1:12 am
 
Forum: Personal Consumer Issues
Topic: POLL: Bogleheads' Favorite Social Media Site
Replies: 54
Views: 2484
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