Search found 2679 matches

by Rob5TCP
Fri Dec 02, 2016 7:57 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 77
Views: 8052

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

I've never bought a cd before and wanted to know if I do the 3 month cd do I get the 3% after 3 months or do I have to leave it there for a year in order to get the full amount on the interest? I'd like to do this with my emergency fund of 6 months but not sure that I want to necessarily have it ti...
by Rob5TCP
Thu Dec 01, 2016 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: 3.01% IRA CD with 90 day penalty - Andrews fed credit union
Replies: 4
Views: 580

Re: 3.01% IRA CD with 90 day penalty - Andrews fed credit union

I was on the fence with TBM; but began switching to Valor and more recently Andrews. After reading several posts by KevinM; switched as much of my IRA/SEP as I could while staying within the 250k NCUA limit (inluding 7 years of interest). I felt the positives outweighed the negatives (maximum of a 6...
by Rob5TCP
Wed Nov 30, 2016 8:40 pm
Forum: Personal Consumer Issues
Topic: another New York rental question
Replies: 30
Views: 1568

Re: another New York rental question

$2.000 a month doesn't go very far in most of Manhattan and the better areas of Brooklyn. Is she willing to share an apartment. There are walk-ups available for $2,000 (think 3-4 floors to walk up). She can forget a doorman building. You can look at Craigslist but there are a ton of scams on there. ...
by Rob5TCP
Wed Nov 30, 2016 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Is a CD rate of 3.01% for 84mo a good deal?
Replies: 26
Views: 2982

Re: Is a CD rate of 3.01% for 84mo a good deal?

Angelus359 wrote:Can you add money to this CD later?

I know some CDs let you do that.


You can not do it and Valor a C.U. that did; reneged on it.
by Rob5TCP
Wed Nov 30, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Is a CD rate of 3.01% for 84mo a good deal?
Replies: 26
Views: 2982

Re: Is a CD rate of 3.01% for 84mo a good deal?

1. Good question - not sure. I have my CD's in smaller amounts rather than 100% in one, just in case. 2. When I setup the CD I was asked to reinvest interest or put into my share account (which makes it immediately available) 3. The $5000 limit is for online transfer. If you setup a moneymarket acco...
by Rob5TCP
Tue Nov 29, 2016 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Is a CD rate of 3.01% for 84mo a good deal?
Replies: 26
Views: 2982

Re: Is a CD rate of 3.01% for 84mo a good deal?

I went through the hoops to get it setup. I am maxed (NCUA insurance wise) on what I can put into an IRA/SEP. The people have been helpful and unlike a bank in PA that was giving 3% (Valor) they have a strong financial rating. I don't have the ready cash to max out the regular CD, but am putting in ...
by Rob5TCP
Mon Nov 28, 2016 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: 3.10% Guaranteed 5 year Fixed rate annuity
Replies: 6
Views: 1087

Re: 3.10% Guaranteed 5 year Fixed rate annuity

I have purchased SPIAS thru ImmediateAnnuities.Com, a good reliable company. I received this email today which you may wish to investigate. I am not recommending it as it does not meet my goals....just passing it on for those of you who may be interested. Earn 3.10% Per Year Guaranteed For 5 Years*...
by Rob5TCP
Tue Nov 22, 2016 7:59 am
Forum: Personal Consumer Issues
Topic: Samsung Exploding Washing Machines & CPSC Involvement
Replies: 33
Views: 3945

Re: Samsung Exploding Washing Machines & CPSC Involvement

I bought (for my tenant) a Samsung model just 60 days before the notice came out. The tenant is only using it on the gentle cycle and Samsung will be repairing in about 4 weeks. She says she will continue to use only the gentle cycle, just in case. When I bought it; it was between Samsung and Maytag...
by Rob5TCP
Mon Nov 21, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy this CD?
Replies: 9
Views: 679

Re: Should I buy this CD?

The current best rate is from Andrews CU at 3% for an IRA
or until the end of the month; their Black Friday Special also at 3%.
That is for 7 years; though with a reasonable EWP.
by Rob5TCP
Mon Nov 21, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy this CD?
Replies: 9
Views: 679

Re: Should I buy this CD?

Most 5 year top at around 2 / 2.25%.
That sounds too high. Is this a brokered CD?
by Rob5TCP
Sun Nov 20, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Crowd Investing ?
Replies: 4
Views: 467

Re: Crowd Investing ?

I noticed they charge 10% initial fee, 1% per year plus a financing fee between what their interest charge is and the borrower's interest charge. So in 3 years you would have at least 13% in fees, plus possible others. A publicly held REIT might charge a fraction of that.
by Rob5TCP
Sun Nov 20, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Online Account Security Questions
Replies: 30
Views: 2283

Re: Online Account Security Questions

Like others have stated, I also use a PW manager (KeePass). I generally user the maximum amount of characters that the website will allow (Vanguard is 20; used to be 10). On some I have used 35 or more. When available, I also use 2FA (2 factor authentication). Nothing is perfect. But the more diffic...
by Rob5TCP
Sun Nov 20, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: Recommendations for External Hard Drive
Replies: 50
Views: 3911

Re: Recommendations for External Hard Drive

Either the Seagate or the WD have long MTBF (mean time between failure). I believe the Seagate has the advantage in this area. I would also reformat and keep your old drive as a secondary backup device. If it fails, not that important. Also, a low level reformat might give some new life if your prob...
by Rob5TCP
Sat Nov 19, 2016 1:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Valuethinker has surpassed 30,000 posts
Replies: 39
Views: 3098

Re: Valuethinker has surpassed 30,000 posts

One of my favorites -- Congrats and keep them coming.

Maybe Bogleheads have an honor roll
over 5,000
10,000
25,000
50,000
etc.
by Rob5TCP
Fri Nov 18, 2016 10:58 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 77
Views: 8052

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

I currently am close to my limit for NCUA protection in my IRA at Andrews. Is the $250k total separate for IRA and non retirement accounts; or is the $250k total for all. I would like to open a Non-IRA CD. $250K for IRAs and $250K separately for non-IRAs. There is funny business allowing additional...
by Rob5TCP
Thu Nov 17, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 77
Views: 8052

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

I currently am close to my limit for NCUA protection in my IRA at Andrews.
Is the $250k total separate for IRA and non retirement accounts; or is the $250k total for all.
I would like to open a Non-IRA CD.
by Rob5TCP
Mon Nov 14, 2016 7:38 pm
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4169

Re: Someone has my Social Security number

Sorry to hear this. I've had many c.c. #'s stolen but not my SS#.
I've helped friends in the past; here is a general primer

http://www.tomsguide.com/us/what-to-do- ... 18742.html
by Rob5TCP
Mon Nov 07, 2016 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Finity Group Financial Planner?
Replies: 4
Views: 378

Re: Finity Group Financial Planner?

Here is the discussion about them from whitecoatinvestor

http://whitecoatinvestor.com/forums/top ... bout-them/
by Rob5TCP
Mon Nov 07, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: "Go Fund Me" question
Replies: 7
Views: 1349

Re: "Go Fund Me" question

I have made a few small donations to gofundme, but will never make a large one due to their high expense ratio.
by Rob5TCP
Mon Nov 07, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Ashford watches good prices online
Replies: 9
Views: 1055

Re: Ashford watches good prices online

I also bought a watch from Ashford. Since it was digital I didn't consider it much of a risk. Has worked fine since that day. Saved a fair percentage on what I would have paid online or at a local place like Tourneau.
by Rob5TCP
Mon Nov 07, 2016 9:40 am
Forum: Investing - Help with Personal Investments
Topic: CD or I Bond?
Replies: 6
Views: 1008

Re: CD or I Bond?

With the current fixed yield of I Bonds at 0% ; 2 years at 3% seems a better "deal". I have lots of I Bonds from when the yields where quite positive (thanks to posters on this site) but have bought very little the past few years. For the next 6 months the difference will be minnimal becau...
by Rob5TCP
Sun Nov 06, 2016 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Can Bank Change CD Terms Mid-Stream?
Replies: 40
Views: 3232

Re: Can Bank Change CD Terms Mid-Stream?

Banks can and do change terms mid stream. I had an add-on CD (from Valor Bank) whose terms were changed a year after I purchased it.
Most have a disclaimer about the right to change terms. This is rarely actually used.
I would call the bank to clarify.
by Rob5TCP
Wed Nov 02, 2016 8:52 pm
Forum: Personal Consumer Issues
Topic: Can Garmin or Tom Tom GPS Navigator do this?
Replies: 24
Views: 1528

Re: Can Garmin or Tom Tom GPS Navigator do this?

My Garmin is about 18 months old and the street announcements are not programmable by just streets on the map.
It, like other units, announce as you are making trips.

Some models do have the ability to increase the speed of the simulator (I believe up to 3x).
by Rob5TCP
Sat Oct 29, 2016 4:50 pm
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 6554

Re: Barron's article: Get ready for sub-5% returns

Get ready for sub-5% returns We should all be well prepared by now. Things will be looking up, if we get 4% stock returns going forward. :) Us Stocks Real Annual Returns 12/31/1999 thru 9/30/2016 2.6% Source for historical real annual return calculation - http://dqydj.com/wilshire-5000-return-calcu...
by Rob5TCP
Sat Oct 29, 2016 1:02 pm
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 6554

Re: Barron's article: Get ready for sub-5% returns

Get ready for sub-5% returns We should all be well prepared by now. Things will be looking up, if we get 4% stock returns going forward. :) Us Stocks Real Annual Returns 12/31/1999 thru 9/30/2016 2.6% Source for historical real annual return calculation - http://dqydj.com/wilshire-5000-return-calcu...
by Rob5TCP
Sat Oct 29, 2016 1:02 pm
Forum: Investing - Theory, News & General
Topic: Barron's article: Get ready for sub-5% returns
Replies: 43
Views: 6554

Re: Barron's article: Get ready for sub-5% returns

with dividends it is closer to 4.6%
the original number didn't include dividend reinvestment.
by Rob5TCP
Mon Oct 24, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: move from fido brokered cds to bank for better rate?
Replies: 18
Views: 1219

Re: move from fido brokered cds to bank for better rate?

A similar discussion occurred earlier with the 2% CD vs. TBM. I ended up "cashing in" as much as my bond funds to transfer to Andrews CU (IRA and currently available) as well as PenFed and Valor C.U. (both no longer available) earlier. https://www.bogleheads.org/forum/viewtopic.php?f=10&am...
by Rob5TCP
Tue Oct 11, 2016 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Identity theft -- again
Replies: 17
Views: 1820

Re: Identity theft -- again

I've had one of my c.c. "stolen" 4 times in a two year period. It has a great reward, otherwise I would have cancelled it years ago. One thing I do on all my c.c.; scratch out the number on the back. That prevents someone from using it online or over the phone to make a purchase. They must...
by Rob5TCP
Mon Oct 10, 2016 10:51 pm
Forum: Investing - Theory, News & General
Topic: "Free Lunch" - secondary brokered CDs?
Replies: 12
Views: 1664

Re: "Free Lunch" - secondary brokered CDs?

I've checked brokered rates and secondary and it seems some CU's give better rates than the best brokered.
Below is the current best from deposit accounts

My last CD purchase was 7 year at 3% with a 6 month EWP.

https://www.depositaccounts.com/blog/cd-rates-survey/
by Rob5TCP
Mon Oct 10, 2016 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Why do country specific ETFs have such high expense ratios?
Replies: 7
Views: 607

Re: Why do country specific ETFs have such high expense ratios?

Emerging markets may be more expensive to trade.
Also, of course, less competition so less incentive to reduce fees.
by Rob5TCP
Sun Oct 09, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: What happens if an online broker goes bankrupt.
Replies: 8
Views: 1116

Re: What happens if an online broker goes bankrupt.

Your covered by the following SIPC
here is more info
http://www.kiplinger.com/article/invest ... -safe.html

just make sure whomever you use has this protection
by Rob5TCP
Sat Oct 08, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: Selling art and books online
Replies: 8
Views: 554

Re: Selling art and books online

I have bought and sold (mostly bought) photographs and other items from Swann Galleries in NYC. When I first started they charged 10% over $1,000 auction fee. Those days are long gone. Now everything is 25% both buying and selling. Still, you can look at past auctions to see what the hammer price wa...
by Rob5TCP
Sat Oct 08, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: Dilbert Sums Up Exactly How I feel at times
Replies: 34
Views: 4580

Re: Dilbert Sums Up Exactly How I feel at times

Very funny - I get stock "tips" all the time.
I don't bother with them or following up.
When they go up I hear how I should have gotten in on the ground floor.
When they tank, I hear nothing.
by Rob5TCP
Fri Oct 07, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: Join AARP
Replies: 56
Views: 3222

Re: Join AARP

I joined, it is cheap enough for 5 years. While I won't be using their medigap for another 7 years; the savings are more than significant. As for their politics: some I agree, some I disagree. For the most part, I ignore it. The magazine is pretty useless as well. I have saved some money on other di...
by Rob5TCP
Tue Oct 04, 2016 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8718

Re: If i want to invest in gold (metal), what is the best way?

Thank you nisiprius, I was under the impression that GLD/SLV/PPLT were all ETF's. Though in hindsight, I should have realized that would be unlikely. I may convert PPLT and GLD via purchases of metal. Silver is just to much of a hassle to keep.
by Rob5TCP
Tue Oct 04, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8718

Re: If i want to invest in gold (metal), what is the best way?

When I was just out of college (early 80's) my cousin worked for a place (sales) that was like a gold vault. She even pushed it on some of the relatives. Turns out the guy had painted gold bars that were essentially worthless. He did got caught, don't remember the name of the company. I did have it ...
by Rob5TCP
Mon Oct 03, 2016 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Credit Union Risk with C+ Rating
Replies: 1
Views: 303

Re: Credit Union Risk with C+ Rating

As long as it has NCUA insurance you are covered for any loss of principal+interest. The one downside is they may have the option if they take over the C.U. to lower the rate. I am with one C.U. now that is no longer rated because of problems they've had. I hope they hang on because the rate is good...
by Rob5TCP
Sun Oct 02, 2016 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: American Ntl., Jackson Perspective II Fixed and Variable Annuity, Franklin Growth
Replies: 40
Views: 2360

Re: American Ntl., Jackson Perspective II Fixed and Variable Annuity, Franklin Growth

I have also sent an e-mail to the financial advisor (not from Fidelity) who presented this "fine" product to me, where I stated not to proceed with the Jackson annuity. I sure wont expect much help from this person after he hears the bad news, obviously it seems he was only helping himsel...
by Rob5TCP
Fri Sep 30, 2016 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help!New and confused
Replies: 12
Views: 1113

Re: Help!New and confused

Not sure where the 90% stupid comes from; it seems your doing quite well. I would pay off first the loans with the highest interest rates. That should easily be done with a spreadsheet. I don't believe student loan interest is deductible (could be wrong on that) mortgage interest always is (unless y...
by Rob5TCP
Thu Sep 29, 2016 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Furious about adult education class [Investment seminar]
Replies: 42
Views: 3709

Re: Furious about adult education class

When I BEGAN in the computer field in the 80's; the Learning Annex had me "teaching" a class on computer software for business. I had 2 weeks training on computer sales; yet they stated I was a computer expert on business software at the highest level. The class ended up being cancelled be...
by Rob5TCP
Wed Sep 28, 2016 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 3005

Re: How closely do you check your credit card statements?

I enter my charges into a software program as soon as the charge is made (Microsoft Money - sunset edition). I glance online every day at my charges. I balance my cards every Sunday just in case (takes 5 minutes) -- then double check on monthly statement. I charge EVERYTHING over a few dollars on my...
by Rob5TCP
Tue Sep 27, 2016 9:29 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market vs. 2% CD
Replies: 39
Views: 8165

Re: Total Bond Market vs. 2% CD

Stormbringer wrote:BMO Harris is offering the 2% CD. Does anyone know of a better offer elsewhere?


As mentioned earlier in the post; if this is an IRA/Roth you can get a 7 year 3.0% with only a 6 month EWP.
by Rob5TCP
Tue Sep 27, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: Computer backup options
Replies: 21
Views: 1389

Re: Computer backup options

I use a package (about $30) called Second Copy. It is NOT useful for image backup; but for data files backups it suits me quite well. You set various parameters; 1. High usage of resources for quick backup or gradually lower resources 2. Backup only changed files (which is my setting - new files are...
by Rob5TCP
Mon Sep 26, 2016 11:11 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market vs. 2% CD
Replies: 39
Views: 8165

Re: Total Bond Market vs. 2% CD

"If holding Total Bond Market is a crime, it is a misdemeanor not a felony" I believe in an FDIC insured CD only the principal is backed by the full faith and credit, while with Treasuries the interest payments are backed as well. But that's such an insignificant difference. FDIC insured ...
by Rob5TCP
Mon Sep 26, 2016 7:06 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market vs. 2% CD
Replies: 39
Views: 8165

Re: Total Bond Market vs. 2% CD

The TTM is 2.42% the 7 days yield is 1.89%; which is quite a bit less.
I have switched much of my IRA/Roth CD's to a credit union yielding 3.0%
with a 6 month EWP.
I find the risk/reward a better balance.
by Rob5TCP
Sun Sep 25, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 2274

Re: IRA CD question

Andrews Federal C.U. special 3% 7 year ONLY for IRA / Roth click on traditional IRA / Roth and you will see the 84 month https://www.andrewsfcu.org/personal/checking-and-savings/share-certificates.html But if you play that game you are going to end up with IRAs at dozens of banks, possibly more. No...
by Rob5TCP
Sun Sep 25, 2016 7:42 am
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 2274

Re: IRA CD question

Andrews Federal C.U. special 3% 7 year ONLY for IRA / Roth click on traditional IRA / Roth and you will see the 84 month https://www.andrewsfcu.org/personal/checking-and-savings/share-certificates.html But if you play that game you are going to end up with IRAs at dozens of banks, possibly more. No...
by Rob5TCP
Sat Sep 24, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 2274

Re: IRA CD question

Yes, I believe that the terms of every IRA CD I've purchased have allowed penalty-free RMDs. However, since the CDs I've been getting have such superior yields, I'd take RMDs from my bond funds instead in the current environment, and continue to reinvest the CD interest at the great rates. Kevin Th...
by Rob5TCP
Fri Sep 23, 2016 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 2274

Re: IRA CD question

Andrews Federal C.U. special 3% 7 year ONLY for IRA / Roth click on traditional IRA / Roth and you will see the 84 month https://www.andrewsfcu.org/personal/checking-and-savings/share-certificates.html What's the best way to join the credit union? Become a member of the American Consumer Council fi...

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