Search found 324 matches

by EvelynTroy
Thu Oct 18, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: Prima Fed. Credit Union 14 mo 3% CD (easy membership)
Replies: 1
Views: 362

Prima Fed. Credit Union 14 mo 3% CD (easy membership)

https://www.depositaccounts.com/banks/pima-cu/offers/ Pima Federal Credit Union (easy membership) has added a 14-month CD Special that earns 3.00% APY. 10.17.18 Minimum deposit is $10k of new money. Limited-time offer. Opening has to be done by mail or in person, no online opening. The story of how...
by EvelynTroy
Tue Oct 16, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Treasuries in higher tax state
Replies: 12
Views: 1132

Re: Treasuries in higher tax state

Are treasuries a pretty good deal when compare to other risk free investments? I could put cash in an FDIC insured CD or it seems to me i could put it in a 1 year treasury. If my googling is right, then a 1 year treasury currently pays 2.66% return and is state tax free. If one is in a 9.3% state t...
by EvelynTroy
Mon Oct 15, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5438

Re: Which is better CD - rates and terms?

This is a follow-up and thank you to KevinM. I purchased the Treasury bills @ Schwab this morning. As you said it was easy, no commissions, and the broker assist fee of $25 was waived. It is 6 month Treasury Bill @ 2.45% yield and tax equivalent yield of 2.60% I had printed out your explanation of h...
by EvelynTroy
Mon Oct 15, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: NAVY 2 year CD
Replies: 3
Views: 566

Re: NAVY 2 year CD

I purchased 6 month Treasury Bills @ Schwab this morning with 2.45% yield, my tax equivalent yield because Treasuries are state tax free is 2.60%. I purchased them at the local branch because I had never purchased treasury bills at Schwab or anywhere else and wanted to make sure I would do it correc...
by EvelynTroy
Tue Oct 09, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5438

Re: Which is better CD - rates and terms?

In my experience, the competitive CD rates are only for "special" CDs. If they auto-renew, the renewal is for "regular" CDs at very unattractive rates. This makes the auto-renew feature doubly undesirable. Yes of course I can't think of any scenario where you would just want to automatically renew....
by EvelynTroy
Tue Oct 09, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5438

Re: Which is better CD - rates and terms?

Consider "brokered" new issue CD's at Vanguard, or other brokerage. There are some advantages over bank issued. Sandtrap, I'd like to know the advantages. I prefer to have my interest added on to the CD each month, rather than paid out to the brokerage cash account - just don't like the smaller amo...
by EvelynTroy
Tue Oct 09, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5438

Re: Which is better CD - rates and terms?

Phoned Schwab - advised if I bring the check of my CD proceeds to my local branch. I can place the trade over the phone at the office, and it will be made that day. No commission to purchase the T-Bills... There is no commission, but don't they have a $25 "service charge" for broker assisted trade?...
by EvelynTroy
Tue Oct 09, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5438

Re: Which is better CD - rates and terms?

Kevin, Quick follow-up on the T-bill purchase. Phoned Schwab - advised if I bring the check of my CD proceeds to my local branch. I can place the trade over the phone at the office, and it will be made that day. No commission to purchase the T-Bills, and I don't have to wait a number of days for the...
by EvelynTroy
Tue Oct 09, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5438

Re: Which is better CD - rates and terms?

<snip> I logged in to NWFCU and it shows only the $1.00 in the savings acct. No other payment or activity of any kind. I'll phone in a.m. Do you still see a CD in your account? If not, then they probably just mailed you a check from some sort of general account after depositing the CD proceeds into...
by EvelynTroy
Mon Oct 08, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5438

Re: Which is better CD - rates and terms?

I reread the discussion, and KevinM noted the Northwest Federal CU offer of 7 mo @ 2.50% - my CD that matured today is from NWFCU - I had requested the proceeds be mailed to me - didn't know what I wanted to do with it. Didn't even check NWFCU's offerings - maybe I can phone first thing Tues. and h...
by EvelynTroy
Mon Oct 08, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5438

Re: Which is better CD - rates and terms?

I prefer to have my interest added on to the CD each month, rather than paid out to the brokerage cash account - just don't like the smaller amounts laying there waiting to accumulate in order to reinvest the money. Just seems like a better way to grow the value of the CD to me. The seven day yield...
by EvelynTroy
Mon Oct 08, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5438

Re: Which is better CD - rates and terms?

Consider "brokered" new issue CD's at Vanguard, or other brokerage. There are some advantages over bank issued. Sandtrap, I'd like to know the advantages. I prefer to have my interest added on to the CD each month, rather than paid out to the brokerage cash account - just don't like the smaller amo...
by EvelynTroy
Sun Oct 07, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5438

Re: Which is better CD - rates and terms?

Thanks everyone for the replies - very helpful. I hadn't heard of Larry's rule of thumb - good to know. I already have an account at Synchrony so the idea of splitting between their 15 mo. one and the 24 sounds good - my CD that matured today at Northwest Federal Savings is large so splitting is app...
by EvelynTroy
Sun Oct 07, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5438

Which is better CD - rates and terms?

A local bank is offering: 24 mo. CD @ 3% 18 mo. CD @ 2.50% Either regular CD or IRA CD. Can't seem to locate early withdrawal penalty info. on their website - will phone on Tues. when banks open. Question: assuming EWP is not awful, although 18 and 24 mo. I'm not too concerned, how would someone dec...
by EvelynTroy
Fri Aug 10, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3498

Re: Offering 401k Advice to my coworkers?

I figure most people in our company are not going to really know how to decipher this information and opt to go with the high(er) fee Target Date Retirement Fund Index that V provides (which costs more than double what you would pay just buying the individual fees themselves). T IMO the company was...
by EvelynTroy
Tue Aug 07, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: WSJ - How Brokers Make More On Your Cash Than You Do.
Replies: 28
Views: 4148

Re: WSJ - How Brokers Make More On Your Cash Than You Do.

The 1.88% yield is after .35% expenses which are the annual expenses to operate the fund. It is definitely not a trading expense that you would incur every time you buy/sell Schwab Prime MM (SWVXX). Three trades per year in and out of SWVXX is just fine there is no fee to do so, no minimum trade (w...
by EvelynTroy
Tue Aug 07, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: WSJ - How Brokers Make More On Your Cash Than You Do.
Replies: 28
Views: 4148

Re: WSJ - How Brokers Make More On Your Cash Than You Do.

Sorry if this is clear to readers, but I got confused and would appreciate bit of explanation. I too was asleep at the wheel and in my Schwab acct. the cash was in their bank sweep account paying 0.22%. Fortunately, not very much cash, not that it matters, but around $5,000. Also I make just maybe 3...
by EvelynTroy
Wed Aug 01, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: 4 reasons we overcomplicate investing - Allan Roth
Replies: 5
Views: 1385

4 reasons we overcomplicate investing - Allan Roth

From Allan Roth's August newsletter - http://daretobedull.com/ If you would like to subscribe to the newsletter. Over the decades, I've benchmarked hundreds of portfolios against simplicity such as that advocated in a new Boglehead's Guide to the Three Fund Portfolio. Simplicity trounced 99% of thos...
by EvelynTroy
Wed Aug 01, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Calculating Bond Risk - Allan Roth
Replies: 1
Views: 307

Calculating Bond Risk - Allan Roth

Allan Roth provides a helpful explanation and caluclation of Bond ETF Interest Rate Risk in his August newsletter. http://www.etf.com/sections/index-investor-corner/framing-bond-etf-interest-rate-risk?nopaging=1 Intermediate-term rates finally ticked up and, unsurprisingly, bonds lost money. It's im...
by EvelynTroy
Wed Jul 18, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Credit Card Q
Replies: 7
Views: 940

Re: Amazon Prime Credit Card Q

Of course you should always just transfer the cash to your checking account instead of using the points on amazon purchases so you can get the 3-5% points on the dollar amount of the points. Yes TIAX that is what I planned to do - either get a check, or deposit the cash in my checking account. Than...
by EvelynTroy
Wed Jul 18, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Credit Card Q
Replies: 7
Views: 940

Re: Amazon Prime Credit Card Q

Thanks a lot keystone. Very helpful.
Evelyn
by EvelynTroy
Wed Jul 18, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Credit Card Q
Replies: 7
Views: 940

Amazon Prime Credit Card Q

Thank you in advance. I read the Amazon Rewards Visa Signature card bnefits page and for some reason I'm just not clear on % back and points. I understand the 5% back at Whole Foods, Amazon, 2% at gas stations, restaurants, and 1% all other. Can I elect to have all my % back paid in dollars where th...
by EvelynTroy
Sat Jun 23, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Naipo Back and Neck Massager Shiatsu Massage Chair Seat
Replies: 8
Views: 414

Re: Naipo Back and Neck Massager Shiatsu Massage Chair Seat

Thanks for all the hints and tips. fakespot.com is good to know about for things in general - I'll put this to use. Sandtrap - good program you outlined, I do all those things, as needed and good reminder for me to continue. For the ice pack I use something like these - long thin one for neck, and s...
by EvelynTroy
Sat Jun 23, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Naipo Back and Neck Massager Shiatsu Massage Chair Seat
Replies: 8
Views: 414

Re: Naipo Back and Neck Massager Shiatsu Massage Chair Seat

Yes the seller responding to the complaints was good plus for me as well.
We'll see if anyone else has any comments, but thinking I'm just going to get the Zyllion - isn't up to par seems like you can return.
Evelyn
by EvelynTroy
Sat Jun 23, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Naipo Back and Neck Massager Shiatsu Massage Chair Seat
Replies: 8
Views: 414

Re: Naipo Back and Neck Massager Shiatsu Massage Chair Seat

Thank you goodlifer appreciate the reply. On closer inspection you are definitely right - looking at Q&A seems the company flat out doesn't respond to anything - so not purchasing this. I see one from Zyllion, same price clear 1 yr. warranty, and reviewers raving about excellent, no hassle customer ...
by EvelynTroy
Sat Jun 23, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Naipo Back and Neck Massager Shiatsu Massage Chair Seat
Replies: 8
Views: 414

Naipo Back and Neck Massager Shiatsu Massage Chair Seat

I have mild/moderate arthritis across back of neck, and lower back - its not debilitating pain, but if I overdue in the yard, or too much walking awfully sore and stiff. Was thinking of a massage type recliner chair - high end ones too costly, and really don't have room for another piece of furnitur...
by EvelynTroy
Fri Jun 22, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3745

Re: Does an IPS really need to be 5 pages long to be valuable?

Just like a lot of things, "less is more." I'm no expert - and I don't hold mine to be better than anyone elses - could probably be condensed to one page - but you are more than welcome to take a look at it - maybe something useful. I must have gotten some of my ideas from IPS samples here, but real...
by EvelynTroy
Fri Jun 22, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Best Books For Learning?
Replies: 11
Views: 1314

Re: Best Books For Learning?

jonbkray - I'll offer some thoughts, no expert but retired public school educator - living very comfortably with no money worries - I'm very thankful. That said, living on teacher salary can be a challenge, but it can be and you can have a very nice retirement. At this point really no need to get al...
by EvelynTroy
Fri Jun 22, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: 25 month CD at 3%
Replies: 5
Views: 2203

Re: 25 month CD at 3%

delrinson - sorry for the delay, I didn't see your post. Good catch. Where do you see that on the web site? I'm having trouble finding it. Referring to the eligibility requirements for Pawtuckett CD. My go to place depositaccounts.com Find the institution or CD rate you want and it will always give ...
by EvelynTroy
Thu Jun 14, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: 25 month CD at 3%
Replies: 5
Views: 2203

Re: 25 month CD at 3%

Membership to purchase CD's is restricted -
Membership is open to those who live or work in Rhode Island, or in nearby communities in Massachusetts or Connecticut.

Evelyn
by EvelynTroy
Wed Jun 13, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: USAlliance CU CD holders bump up offered
Replies: 0
Views: 249

USAlliance CU CD holders bump up offered

An email was received this a.m. with the following offer: USAlliance "VIP members" are being offered a 25 basis point rate bump on longer-term CDs, including the 25- and 35-month products. That would make the rate 3.00% APY on the 35-month CD. A poster on depositaccounts.com called the credit union ...
by EvelynTroy
Fri Jun 01, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 52
Views: 5877

Re: Maturing Credit Union 3% CD's this year

There's no early withdrawal penalty on Heritage CDs. If/when rates rise, we can simply withdraw the money and put it into a new higher rate CD, at NWFCU or elsewhere. If rates stabilize, we're good; if rates go down, we're golden; if rates go up, we move. Meanwhile, making the changeover increased ...
by EvelynTroy
Fri Jun 01, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 52
Views: 5877

Re: Maturing Credit Union 3% CD's this year

There's no early withdrawal penalty on Heritage CDs. If/when rates rise, we can simply withdraw the money and put it into a new higher rate CD, at NWFCU or elsewhere. If rates stabilize, we're good; if rates go down, we're golden; if rates go up, we move. Meanwhile, making the changeover increased ...
by EvelynTroy
Fri Jun 01, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 52
Views: 5877

Re: Maturing Credit Union 3% CD's this year

Re Northwest Credit Union (NWFCU): You can now roll that into a new 5-year CD. Here's where new NWFCU CDs get really juicy: * If you are 62+ you garner "Heritage" member status * Heritage members get a bonus bump in interest rates * Heritage member CDs have no early withdrawal penalty I too have th...
by EvelynTroy
Wed Apr 18, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5911

Re: PC laptops

I agree the apple line is not a good value. I've had the MotoG 1st gen. for 4 yrs yesterday - congratulatory email from my phone service yesterday Republic Wireless - sure not a fancy phone but it had served me well using the apps I need/want. I diverted. I purchased this refurbished Lenovo laptop D...
by EvelynTroy
Tue Apr 10, 2018 5:20 am
Forum: Investing - Theory, News & General
Topic: Businessweek: Jack Bogle's Last Crusade?.. (link)
Replies: 28
Views: 6429

Re: Businessweek: Jack Bogle's Last Crusade?.. (link)

The link provided seems to be out of date -
I found this one that worked for me:

https://www.bloomberg.com/news/articles ... st-crusade

Thank you OP for the article.

Evelyn
by EvelynTroy
Mon Apr 09, 2018 6:21 am
Forum: Investing - Theory, News & General
Topic: Need some advice about State Teachers Retirement Plan....
Replies: 7
Views: 923

Re: Need some advice about State Teachers Retirement Plan....

Five, I can't give you specific advice regarding your state's teacher retirement - even if you had provided the details of your state's plan I don't have the skills to do that kind of evaluation. That said, what I can share is I participate in two teacher retirement programs from different school sy...
by EvelynTroy
Sun Apr 08, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 469
Views: 68355

Re: 2-year CDs at Vanguard and Fidelity Today

Kevin M thank you for sharing all your knowledge on CDs. Please think about a article on what you know what CDs, buying, selling, bond funds etc. Paul Here, here - KevinM is a treasure. I hope Kevin is thinking of writing a book on fixed income investing. Kevin does have a nice blog, aptly named ht...
by EvelynTroy
Sat Apr 07, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 469
Views: 68355

Re: 2-year CDs at Vanguard and Fidelity Today

I do not know how to calculate/assess if the 2 yr. brokered CD @ 2.60% vs. a 17 month 2.30% CD, $1,000 min. deposit offered at Federal Savings Bank, New Hampshire is a better deal. I could not locate anything about EWP on deposit accounts or the FSB website. It seems to me 2.3% would be better with...
by EvelynTroy
Fri Apr 06, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 469
Views: 68355

Re: 2-year CDs at Vanguard and Fidelity Today

I do not know how to calculate/assess if the 2 yr. brokered CD @ 2.60% vs. a 17 month 2.30% CD, $1,000 min. deposit offered at Federal Savings Bank, New Hampshire is a better deal. I could not locate anything about EWP on deposit accounts or the FSB website. It seems to me 2.3% would be better with ...
by EvelynTroy
Fri Apr 06, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 469
Views: 68355

Re: 2-year CDs at Vanguard and Fidelity Today

Perhaps of interest - I see that the same Morgan Stanley CDs at 2.60% are offered at Schwab.
Thanks for pointing them out yesterday.
Evelyn
by EvelynTroy
Mon Apr 02, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: 18 mo. CD 2.53%
Replies: 4
Views: 1562

Re: 18 mo. CD 2.53%

The EWP is not of importance to me for an 18 month offering. 3-5 year CD's different story.
Someone can correct me if wrong, but seems like the notion of a callable CD is included in many terms of agreement docs -more a formality than an actual event that happens regularly.
Evelyn
by EvelynTroy
Sat Mar 31, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: 18 mo. CD 2.53%
Replies: 4
Views: 1562

18 mo. CD 2.53%

Offered at USAlliance Financial - easy membership thru American Consumer Council. USALLIANCE Ups 18-Month CD Rate To 2.53% APY POSTED ON SATURDAY, MARCH 31, 2018 BY Ken Tumin Deal Summary: Fixed Rate Certificates – 9-month (2.02% APY) and 18-month (2.53% APY), $500 minimum deposit Availability: Easy...
by EvelynTroy
Sun Mar 18, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: TV and set up recommendations for above fireplace
Replies: 35
Views: 2834

Re: TV and set up recommendations for above fireplace

I had my 55" tv installed above the fireplace (a corner fireplace) and love it. I don't find it tires my neck - I tilt it down some. There are no heat issues - have gas logs. I required a very substantial bracket - Amazon and the like did not have one substantial enough - make sure you get a good qu...
by EvelynTroy
Sun Mar 18, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Tips on saving on living expenses for a first time single householder
Replies: 46
Views: 3713

Re: Tips on saving on living expenses for a first time single householder

Single senior female here - adding couple tips and reinforcing others. Something to be said for being "too frugal," i.e. used soft furniture and bedding, plastic ware, etc. Not a good idea. Quick, yummy meal - https://www.johnsoulesfoods.com/products/beef-fajitas/ Tyson makes similar, also good. Pur...
by EvelynTroy
Tue Mar 13, 2018 7:49 am
Forum: Investing - Theory, News & General
Topic: your cash is trash at brokers J.Zweig - WSJ
Replies: 23
Views: 4845

Re: your cash is trash at brokers J.Zweig - WSJ

Just to add - in the article it was noted Schwab offers Schwab money fund yielding almost 1.3%. There, unlike in a sweep account, she will have to place a separate order to buy or sell some of the fund whenever she wants to reinvest dividends or raise money for a trade.
ev
by EvelynTroy
Tue Mar 13, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: your cash is trash at brokers J.Zweig - WSJ
Replies: 23
Views: 4845

your cash is trash at brokers J.Zweig - WSJ

Apologize if already referenced, looked didn't see it. Eye opening article for me - as usual Mr. Zweig looking out for the little guy. https://blogs.wsj.com/moneybeat/2018/03/09/brokers-to-investors-your-cash-aint-nothin-but-trash/ Summary - Short-term interest rates have been rising, but the intere...
by EvelynTroy
Sat Mar 10, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 94
Views: 14159

Re: Sharonview FCU 64 month CD - 4%

Gigs, One thing if you are ambivalent about the offer - no problem you can just decide not to fund and ask them to close the account. Yes there is some legwork to opening an CD - I don't chase yield and constantly looking for the best CD deal but I have found after opening a couple CD's its just as ...
by EvelynTroy
Wed Mar 07, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 94
Views: 14159

Re: Sharonview FCU 64 month CD - 4%

This says they do ACH transfers. https://www.sharonview.org/docs/default ... ?sfvrsn=10 Maybe the same as my experience, but maybe not. The CD I purchased from another CU last week - their details said the same thing regarding ACH transfer. However, for an IRA CD like mine was they only accepted a ...
by EvelynTroy
Wed Mar 07, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 94
Views: 14159

Re: Sharonview FCU 64 month CD - 4%

Perhaps of interest - thought it worth a mention. On depositaccounts discussion that the CU may accept membership in the American Consumer Council - I joined to purchase a CD at another CU week or so ago and it was $8. Couple others weren't sure if you had to separately join the Carolina Consumer Co...