Search found 10995 matches

by dm200
Wed Feb 22, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 22
Views: 931

Re: Open vanguard CD Order

Sometimes there are better deals in the secondary market and sometimes not. I usually buy new issues. A common problem with secondary market CDs is that they are often sold above "par" and only the "par" is FDIC insured. In my experience there are always better deals in the seco...
by dm200
Wed Feb 22, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 22
Views: 931

Re: Open vanguard CD Order

Is a brokerage purchased CD as secure in principal as one bought from a bank? Yes. There are a few things to watch for, however. Make 100% sure that you are buying the "brokered" CD through a reputable "broker". In the past, some alleged "brokers" have sold misleading ...
by dm200
Wed Feb 22, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union CD early withdrawal?
Replies: 5
Views: 261

Re: Alliant Credit Union CD early withdrawal?

I've got an emergency fund sitting at Alliant in a 1% APY savings account right now. I prefer to keep things consolidated there, so I'm not really shopping around for the best rates. I was just reading their materials for certificates (CDs), considering whether to move a portion of the emergency fu...
by dm200
Wed Feb 22, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 22
Views: 931

Re: Open vanguard CD Order

This issue came up for me recently and I checked with my advisor I think they changed their process or software -- supposedly does not now clear until the date of sale or issue In the past, it would register immediately Mine cleared a day or two after my call It was/is confusing and not sure why th...
by dm200
Wed Feb 22, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 22
Views: 931

Re: Open vanguard CD Order

So I assume from the subsequent posts that you must be buying new issue CDs? Secondary CDs should still fill promptly, because otherwise the offer may not be there. I've never purchased a new issue CD. I'm specifically not buying large round numbers, so there are always better deals in the secondar...
by dm200
Wed Feb 22, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 40
Views: 3062

Re: Negotiate lowball offer? (new job)

If the temp company was getting $70k a year for you and you figure benefits add 30%, you should be worth at least $54k salary + $16k benefits to the company, because that is what they were actually paying. (30% may be a little high, it depends on the benefits, from vacation to retirement and health...
by dm200
Wed Feb 22, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 40
Views: 3062

Re: Negotiate lowball offer? (new job)

I'm disappointed in the situation because my employer never even asked me how much I wanted to make. They asked the temp agency for a number! On negotiation generally: It's pretty unusual for an employer to ask an employee how much they want to make; it's on the employee to create the negotiation m...
by dm200
Wed Feb 22, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 22
Views: 931

Re: Open vanguard CD Order

It usually takes only a few minutes in my experience. I suggest you call Vanguard and ask what's going on. As elaborated in my other post, something changed a few months ago. I called Vanguard at the time - and they assured me that this was not a problem at all, and that there had been some changes...
by dm200
Wed Feb 22, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 22
Views: 931

Re: Open vanguard CD Order

How long does it usually take for a brokered CD order to fill with Vanguard? I placed an order on 2/15/17 for four brokered CDs and it still shows two of them as not filled. I don't see an option to cancel these two open orders so I could try another CD that might fill. For an organization I manage...
by dm200
Wed Feb 22, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating tips for selling condo to tenant
Replies: 23
Views: 1946

Re: Negotiating tips for selling condo to tenant

Gropes & Ray wrote:I wouldn't show while you have tenants in there.


As described, the tenants have ZERO incentive to be overly cooperative. In my opinion, to "show" well to prospetive buyers, the tenants would need to go to considerable effort (and potential incomvenience) for the place to show well.
by dm200
Wed Feb 22, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: How to Split Pension
Replies: 32
Views: 2187

Re: How to Split Pension

In my opinion, unless you BOTH have high other income (and this decision is not a risk to either of you), I believe the focus should be on the real risk of death (of either) at any time. Either could die within a month of making the decision (regardless of family longevity, good health, low health r...
by dm200
Wed Feb 22, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 40
Views: 3062

Re: Negotiate lowball offer? (new job)

I'm disappointed in the situation because my employer never even asked me how much I wanted to make. They asked the temp agency for a number! On negotiation generally: It's pretty unusual for an employer to ask an employee how much they want to make; it's on the employee to create the negotiation m...
by dm200
Wed Feb 22, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance (incorrectly) cancelled for non-payment
Replies: 18
Views: 745

Re: Health insurance (incorrectly) cancelled for non-payment

Yes NY state of health is NY's health website via healthcare.gov (obamacare). Actually let me correct something after talking to her - she thinks she may have set up the 2017 autopay sometime in early Jan (on the affinity website), so therefore it may have waited to make the first payment in Feb an...
by dm200
Wed Feb 22, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 84
Views: 4129

Re: Which puppy to buy: golden retriever or labrador retriever?

Our corgi died from cancer at the age of 10 in early November. My wife, after initially indicating she wanted to wait several years before welcoming a new pup to the household, has changed course abruptly and now wants to buy one this year. We already have two cats so we are wary of shelter pups as...
by dm200
Wed Feb 22, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance (incorrectly) cancelled for non-payment
Replies: 18
Views: 745

Re: Health insurance (incorrectly) cancelled for non-payment

My mother has a sticky health insurance situation that I could use some advice on. As background, my parents are married - dad is 72 and mom is 63. Dad’s job previously covered both of them, but he retired in April 2016 and since then he has had insurance through medicare. Mom is too young to be el...
by dm200
Wed Feb 22, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Selling mutual funds in non retirement account
Replies: 6
Views: 346

Re: Selling mutual funds in non retirement account

Bogleheads. I need to sell some mutual funds in non retirement account (VASGX). It will be long term capital gain. What are some of the considerations : For example - look for dividends when they are due 1)Any other considerations? I understand it will be a taxable event. 2)Also while selling it as...
by dm200
Tue Feb 21, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating tips for selling condo to tenant
Replies: 23
Views: 1946

Re: Negotiating tips for selling condo to tenant

Update: set the price at 229k. Current tenant has no interest in buying this August for financial and personal reason. Said they may be interested next summer when both of those things are sorted out. Options for me now: - proceed with sale. Contact Redfin. Disadvantage would be showing this in lat...
by dm200
Tue Feb 21, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to Split Pension
Replies: 32
Views: 2187

Re: How to Split Pension

One way of looking at this is to ask the spouse: WE can get $2,500 a month as long as I am alive, If I die first, possibly a month after getting that first $2,500 check, then YOU will get nothing . OR, WE can get $2,000 a month as long as either of us is alive. Which do YOU want? Put this way, I wou...
by dm200
Tue Feb 21, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Staying at Disneyworld
Replies: 22
Views: 1665

Re: Staying at Disneyworld

Many years ago, my wife and son (then about 8) stayed at a Disney campground there. Worked out well - and not super expensive, compared with other on premises accommodations.
by dm200
Tue Feb 21, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Sign-Up Requirements
Replies: 7
Views: 546

Re: Medicare Sign-Up Requirements

Depending on the size of the employer and, possibly, employer's rules - enrollment in Part B may be desirable or required.
by dm200
Tue Feb 21, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get rid of lot of land?
Replies: 25
Views: 3788

Re: Best way to get rid of lot of land?

Visit the lot. Scout out the neighbors. Act like you are (or will be) doing something there that might not make the neighbor(s) or the neighborhood happy. Then, they might offer to buy you out.
by dm200
Tue Feb 21, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Car Lease - Need Advice
Replies: 16
Views: 1056

Re: Car Lease - Need Advice

Check out http://www.leasehackr.com The site has great information on how leases work. As a Boglehead, be sure to look at the "whole package", not just the monthly payment. Read up on how to deal with dealers. From my experience, most residual value and money factor are all dictated by ma...
by dm200
Tue Feb 21, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: How to Split Pension
Replies: 32
Views: 2187

Re: How to Split Pension

I would probably go for the 50/50 split. Pension income is very protected from judgments and bad investment decisions. A $500 per month reduction does not seem that much for long term risk reduction ($2,000 vs $2,500) If she predeceases you, your living costs will probably (depending on circumstance...
by dm200
Tue Feb 21, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 40
Views: 3062

Re: Negotiate lowball offer? (new job)

I agree that you should be thankful for a full time offer, I also agree that you should tread lightly in asking for too much. Your employer is looking to cut their cost of employing you by cutting out the middle-man, so asking them to match what they are paying the body shop is less than ideal. You...
by dm200
Tue Feb 21, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 84
Views: 4129

Re: Which puppy to buy: golden retriever or labrador retriever?

As many others have noted, you would be well-served by consulting a rescue organization for goldens or labs -- those groups are plentiful, and good rescues have established foster parents who can give you ample background about the dog, his/her tolerance for cats, etc. This is actually a MUCH safer...
by dm200
Tue Feb 21, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Mother-in-law Financial Problems
Replies: 20
Views: 2083

Re: Mother-in-law Financial Problems

My MIL reports she has been offered a job in CT as caretaker paying $5k/month.
This sounds promising.


Such caregivers are increasingly rare. If she is someone who can (and will) do this, it might be good.
by dm200
Tue Feb 21, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Mother-in-law Financial Problems
Replies: 20
Views: 2083

Re: Mother-in-law Financial Problems

How was she able to buy this house a year and a half ago with her financial situation? This definitely puzzles me. Are there unfinished construction projects that would prevent the house from being sold as-is? Are there any areas of the house that are unsafe to be in due to the construction ? Doesn...
by dm200
Tue Feb 21, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 84
Views: 4129

Re: Which puppy to buy: golden retriever or labrador retriever?

I know several folks who really like labs, and have had great success with labs from rescue organizations (or similar placement). I also see, from time to time, information from the neighborhood about wonderful adult (not aged) dogs needing a home when the owners move, die or otherwise cannot care f...
by dm200
Tue Feb 21, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 40
Views: 3062

Re: Negotiate lowball offer? (new job)

While the employer may not incur a cost by hiring without aid of temp agency, many do not do so because they do not have the staff to weed the candidates. Almost 90% of jobs I see online are from temp agencies who hire 20-somethings to "recruit". It is laughable the lack of expertise. It ...
by dm200
Tue Feb 21, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: How do I buy a building lot from current owner ...
Replies: 18
Views: 1229

Re: How do I buy a building lot from current owner ...

I will agree with the real estate attorney. I was recently helping out one of my investors and I tracked down the lot owner and negotiated the price for the lot (you will have to do this part yourself). The attorney handles the title search and the closing. In my case the lot had $4,500 in back tax...
by dm200
Tue Feb 21, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Negotiate lowball offer? (new job)
Replies: 40
Views: 3062

Re: Negotiate lowball offer? (new job)

I worked through a temp agency at a small company out here in the East, starting out at 42,300/yr and after 5 months my employer decided to hire me on permanent. It's been going great and would like to stay with this company. Only problem is, they are hiring me on full-time at 42,300/yr plus benefi...
by dm200
Tue Feb 21, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 5924

Re: Terrible negotiator - need help with words to use [Buying a car]

Although I have never purchased one, I have heard good things about Enterprise Used cars.
by dm200
Mon Feb 20, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: How do I buy a building lot from current owner ...
Replies: 18
Views: 1229

Re: How do I buy a building lot from current owner ...

staythecourse wrote:Easy... hire a real estate attorney. It is so cheap in relation the amount paid in real estate I am not sure why ANYONE would not use one.
Good luck.


That is what I would do as well.
by dm200
Mon Feb 20, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 56
Views: 3019

Re: Long Day Trip: Drive Old Car or Rent Car?

Lots of interesting thoughts. I rented and just got back. Great trip. Would do again. I saved some $$$, rode in nice car . Took all of 5 mins at counter. Wife's car is 13 yrs old. Fair shape. 20 year old me would trust it 100%, not quite as 35 yr old with wife and 5 yr old son . I decided to rent i...
by dm200
Mon Feb 20, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 5924

Re: Terrible negotiator - need help with words to use [Buying a car]

Dealership Internet price: $27,932 plus $489 d & h. Tax for local area , tags and License extra. I just know there must be something I can say to get the first offer down. Daisy Dog Say "All I have is $xxxx - do you want to sell it or not." I think your best bet is to email 5-10 deale...
by dm200
Mon Feb 20, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 5924

Re: Terrible negotiator - need help with words to use [Buying a car]

+1 on negotiating via email. I've used it successfully to get a car with an unusual package necessitating a dealer exchange. Living in New England, I emailed dealers in three states. I wound up driving 2 hours each way to save $3000 over the best PenFed Trucar price I got. Even then, at the winning...
by dm200
Mon Feb 20, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a marriage tax penalty in this situation?
Replies: 10
Views: 939

Re: Is there a marriage tax penalty in this situation?

A young relative of mine has recently become engaged to be married - with a possible wedding date in late 2017 or early 2018. I want to give hime a "heads up" about whether 2017 or 2018 would be better from an income tax perspective. They each earn in the low to mid $40's , neither owns a...
by dm200
Sun Feb 19, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Federal Money Market Fund (VMFXX)
Replies: 25
Views: 3020

Re: Vanguard Federal Money Market Fund (VMFXX)

rattlenap wrote:After reading the responses, I've decided to keep my money in the Vanguard Federal Money Market Fund (VMFXX).


Money Market Funds (including VMFXX) are very responsive to changes in short term interest rates.
by dm200
Sun Feb 19, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a marriage tax penalty in this situation?
Replies: 10
Views: 939

Re: Is there a marriage tax penalty in this situation?

Since neither files with deductions either way i would say no. Except! ! If one of them doesnt have health insurance. Unfortunately for us i found out dh had canceled his insurance about 2 months before our wedding. He just could not wrap his head around why he would have to pay more than the min s...
by dm200
Sun Feb 19, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 184
Views: 22812

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

Is the EWP on the entire CD amount? Do they allow partial withdrawals? I believe it is the Andrews Federal Credit Union that allows partial withdrawals and the penalty is only on the withdrawn amount . FWIW, after reading this I verbally confirmed that with one of their reps. I've learned not to tr...
by dm200
Sun Feb 19, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a marriage tax penalty in this situation?
Replies: 10
Views: 939

Is there a marriage tax penalty in this situation?

A young relative of mine has recently become engaged to be married - with a possible wedding date in late 2017 or early 2018. I want to give hime a "heads up" about whether 2017 or 2018 would be better from an income tax perspective. They each earn in the low to mid $40's , neither owns a ...
by dm200
Sun Feb 19, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: TSP Expense Ratio jumps to 0.038%
Replies: 57
Views: 5217

Re: TSP Expense Ratio jumps to 0.038%

That change makes TSP the same cost as Vanguard TSM institutional. So for another $50/year, we can have all funds under one roof, easy RMD and rebalancing management, and very flexible withdrawal options. I do not think so. The Vanguard Institutional fund can have such a low expense ratio because i...
by dm200
Sun Feb 19, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: TSP Expense Ratio jumps to 0.038%
Replies: 57
Views: 5217

Re: TSP Expense Ratio jumps to 0.038%

I am not (nor have ever been) a TSP participant. I am a taxpayer and participant in various retirement programs. I see NO reason that the employer (federal government, taxpayers) should further subsidize the TSP. It's part of the full compensation package to Federal employees. There's no "subs...
by dm200
Sun Feb 19, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Anxiety about buying used car
Replies: 50
Views: 3078

Re: Anxiety about buying used car

One way to know how long the seller has owned the car is to look at the title. The title will show the owner's name, the details about the car, the date of the title and mileage on the car when titled. So, if the title to this "original owner" 2012 model car was issued in December 2016 and...
by dm200
Sun Feb 19, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: How do Taxes work with Mutual funds.
Replies: 21
Views: 1369

Re: How do Taxes work with Mutual funds.

Note that (in taxable accounts) you are taxed on dividends and capital gains distributions whether you reinvest them or not.
by dm200
Sat Feb 18, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to Split $10K Fed Tax Bill Between Husband and Wife
Replies: 38
Views: 1994

Re: How to Split $10K Fed Tax Bill Between Husband and Wife

Upholding my username once again, I did not withhold any federal taxes on my IRA distributions and capital gains in 2016. And even though my wife requested taxes to be withheld on her Social Security and pension check none were withheld (for whatever reason). So we owe about $10.5K to the Feds (plu...
by dm200
Sat Feb 18, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Bill/Collections fight
Replies: 6
Views: 656

Re: Medical Bill/Collections fight

During part of a recent doctor's visit, the office gave us some shots that we had not come in for Dis you know and agree to receive such shots? I am not any kind of medical professional, but as a patient, I always fully know and agree to any shots recommended by my Physician(s). The most recent cas...
by dm200
Sat Feb 18, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for tiered emergency fund
Replies: 23
Views: 1657

Re: Ideas for tiered emergency fund

I might look for higher yielding, low EWP CDs for part.
by dm200
Sat Feb 18, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 56
Views: 3019

Re: Long Day Trip: Drive Old Car or Rent Car?

On the other hand, if the risks of breakdown seem low (depends a lot on the car) on your car, and better comfort is not an issue, then it would not be unreasonable to drive your own car. Some well maintained Toyotas may be just as reliable for such a trip as a new rental. We now own a 1998 Camry and...
by dm200
Sat Feb 18, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 56
Views: 3019

Re: Long Day Trip: Drive Old Car or Rent Car?

Pros for Renting the Car *get to drive nice newer car *lower risk of car trouble on trip *if our car breaks down, huge hassle for our daily lives. it's all my wife has. there's value in just being able to drive it around town and keeping her running on daily errands/tasks/etc. 275 miles shouldn't b...

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