Search found 732 matches

by fsrph
Sat Feb 13, 2016 7:17 pm
Forum: Investing - Theory, News & General
Topic: Using CD's instead of bonds
Replies: 12
Views: 951

Re: Using CD's instead of bonds

What PJW has told you is correct. CD's, especially purchased directly from a bank, can be a good deal right now. I am more comfortable with CD's than bond funds, but you need to study them to convince yourself. The fact that you asked this questions suggests that you are uneasy/uncertain about your...
by fsrph
Sat Feb 13, 2016 4:35 pm
Forum: Investing - Theory, News & General
Topic: Using CD's instead of bonds
Replies: 12
Views: 951

Using CD's instead of bonds

Anyone going heavily into CD's replacing bonds in their fixed income allocation? I currently have approx 70% of fixed income in CD's. It's a lot of money. Here's why. Bond yields are so low, what's the 10 year treasury at 1.75%? Why wouldn't I take over 100 basis points? I have been selective in the...
by fsrph
Fri Feb 12, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Homes
Replies: 59
Views: 5747

Re: Vacation Homes

I would be careful telling someone what to do. There's no right or wrong way to go, it's up to the individual. Sometimes decisions are made for non-financial reasons and that's OK. I personally rent but that doesn't make me right. I agree with this. Financially a vacation home may not be the best c...
by fsrph
Fri Jan 29, 2016 6:38 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2660

Re: Manual can opener recommendation

Thanks for the recommendations everyone. I did see the OXO brand in Target. I didn't know that was a solid brand as I never heard of it. I think this is the brand I'll try. Now to decide to get a traditional can opener (that cuts the top of the can) or the newer type that cuts the side of the can. T...
by fsrph
Fri Jan 29, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2660

Re: Manual can opener recommendation

I don't understand how you "break" a can opener. I've never used an electric can opener, just a manual, and we still have the cheapie we bought 35 years ago. Works just as well as when new. Many years ago we also had a relatively cheap can opener that lasted many years. It was well made. ...
by fsrph
Thu Jan 28, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2660

Manual can opener recommendation

Not the most pressing kind of problem but I can't seem to find a good (one that lasts) manual can opener. I've tried several of the common brands and they all break in less than a year. Sometimes after only a few months. I don't buy the cheapest ones available and usually pay $10-$15. I don't mind p...
by fsrph
Wed Jan 27, 2016 3:33 pm
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 1645

Re: Best Netflix/YouTube interface for the Big Screen?

I use a Sony Blu-ray for streaming, including Netflix and YouTube, to a large plasma TV. I really like the picture quality. No complaints.

Francis
by fsrph
Tue Jan 26, 2016 10:00 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 3722

Re: Happy Birthday Taylor!

Very Happy Birthday Taylor! Enjoy yourself. Also, thanks for all you do for us Bogleheads.

Francis
by fsrph
Mon Jan 25, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 4886

Re: What online Email do you use

Have AOL for many years. Maybe not the newest or best but it works for me.

Francis
by fsrph
Sun Jan 24, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 52
Views: 6241

Netflix increasing prices. Will you keep it?

Looks like Netflix will be increasing prices this spring. Grandfathered $7.99 per month customers will pay $9.99 for HD or stay at $7.99 for SD. I seem to find less and less current (last 10 years) movies I want to see on Netflix. Maybe I'll drop it. Will you keep it or drop it? http://www.latimes.c...
by fsrph
Sat Jan 23, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: PenFed 15 month/1.51% APR CD
Replies: 3
Views: 726

PenFed 15 month/1.51% APR CD

Today PenFed lists a new CD - 15 months 1.51% APY. Not great but not a bad place for short term money.

Francis
by fsrph
Fri Jan 22, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 5047

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

furwut wrote:I have always used Turbo Tax. This year it will be TaxAct Plus.

I was thinking of switching from TT to TaxAct this year. Will TaxAct import data from TT that is stored on my computer? Thanks.

Francis
by fsrph
Mon Jan 18, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: Use Local Dealer for New Vehicle Purchase?
Replies: 21
Views: 1649

Re: Use Local Dealer for New Vehicle Purchase?

For this new vehicle I'm wondering whether we purchase from the local dealer by negotiating a price and then having them find one with the features we need and have it shipped in for us, or do I search the internet and find a vehicle with the features we want and buy it from an out of town dealer (...
by fsrph
Thu Jan 14, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 3749

Re: Does a BH play the lottery?

Usually I don't play but I played the last two Powerballs. Why not? Of course the odds are way against you but it's cheap entertainment. For $4 went in with other coworkers and we had 104 tickets. We won a grand total of $8. Still it was fun.

Francis
by fsrph
Mon Jan 11, 2016 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 142
Views: 12428

Re: Large amount of CDs maturing....what to do?

NASA Credit Union has a 49-month CD @2.3%. CD rates are looking mighty bleak right now. I have a cd maturing at Penfed this month too. In today's environment the NASA offer is a decent rate. If you wanted a shorter term supposedly Penfed is going to offer a 15 month 1.5% certificate during the 3rd ...
by fsrph
Tue Jan 05, 2016 4:09 pm
Forum: Personal Consumer Issues
Topic: How often does your credit card # get stolen?
Replies: 57
Views: 2063

Re: How often does your credit card # get stolen?

Three times. Once about 15 years ago someone took a cash advance from my cc in a city 2000 miles away. Then two more times in the past 2 years. I have no idea how the numbers were compromised. I will give the cc company some credit as both times the charges looked suspicious to them and put a tempor...
by fsrph
Sun Dec 27, 2015 10:21 pm
Forum: Investing - Theory, News & General
Topic: Valor credit union changes terms of previously issued cd
Replies: 20
Views: 1485

Re: Valor credit union changes terms of previously issued cd

I see Ken Tumin will be contacting his contact at Valor. I hope that helps. Or at least gives us a 6 month or so grace period to move over some maturing CD's. Me to. I found this rule from the ncua. States if a cd is 1 year or greater and the credit union wants to change terms they must give at lea...
by fsrph
Sun Dec 27, 2015 3:50 pm
Forum: Investing - Theory, News & General
Topic: Valor credit union changes terms of previously issued cd
Replies: 20
Views: 1485

Re: Valor credit union changes terms of previously issued cd

I see Ken Tumin will be contacting his contact at Valor. I hope that helps. Or at least gives us a 6 month or so grace period to move over some maturing CD's. Me to. I found this rule from the ncua. States if a cd is 1 year or greater and the credit union wants to change terms they must give at lea...
by fsrph
Sun Dec 27, 2015 10:32 am
Forum: Investing - Theory, News & General
Topic: Valor credit union changes terms of previously issued cd
Replies: 20
Views: 1485

Re: Valor credit union changes terms of previously issued cd

I sent a note as well as others to Depositaccounts.com They are recommending filing a complaint to the agency below about changing terms after the CD's are opened. I don't know if this will have any effect, but it is worth the 5 minute effort. http://www.consumerfinance.gov/complaint/#bank-account ...
by fsrph
Sat Dec 26, 2015 2:37 pm
Forum: Investing - Theory, News & General
Topic: Valor credit union changes terms of previously issued cd
Replies: 20
Views: 1485

Re: Valor credit union changes terms of previously issued cd

Rob5TCP wrote:Is this effective immediately, or is there a grace period. Last year, there was a few weeks grace period.


Don't believe there's a grace period. The letter was worded, "until further notice we will no longer accept add-on deposits into the Prime Rate Certificate".

Francis
by fsrph
Sat Dec 26, 2015 2:32 pm
Forum: Investing - Theory, News & General
Topic: Valor credit union changes terms of previously issued cd
Replies: 20
Views: 1485

Re: Valor credit union changes terms of previously issued cd

Did you read ALL the tiny print that defined the CD? Probably not (nor would I, most likely). I would have to believe there are some weasel words in the agreement that allows such changes. Broken Man 1999 No I didn't read all of the fine print. My point is a general statement that any terms of a cd...
by fsrph
Sat Dec 26, 2015 2:16 pm
Forum: Investing - Theory, News & General
Topic: Valor credit union changes terms of previously issued cd
Replies: 20
Views: 1485

Re: Valor credit union changes terms of previously issued cd

They said this last year and the outcry was so great it was recinded. I planned to add to several of my accounts January 1, 2016. This is very bad news. Last year they tried to implement a 3% transfer fee to any add on deposits. Depositors complained and reported the credit union to a government ag...
by fsrph
Sat Dec 26, 2015 1:35 pm
Forum: Investing - Theory, News & General
Topic: Valor credit union changes terms of previously issued cd
Replies: 20
Views: 1485

Valor credit union changes terms of previously issued cd

I received a mailing from Valor today. Big issues. First, they are not allowing and more add on deposits to the previously issued 7 year add on cd. Second you can remove your cd money penalty free. They claim this is allowed as it is "consistent their reserved rights to amend the terms" of...
by fsrph
Tue Dec 22, 2015 11:09 pm
Forum: Personal Consumer Issues
Topic: For those who have seen the new Star Wars movie
Replies: 36
Views: 4250

Re: For those who have seen the new Star Wars movie

Two of us went Saturday evening, a prime time. We decided to take our chances and not reserve seats. Showed up 10 minutes before showtime. Man were we surprised. For the 3d movie the theater was only 20% filled. Great seats, great movie. Can't explain why it wasn't more crowded.

Francis
by fsrph
Fri Dec 18, 2015 6:56 pm
Forum: Personal Consumer Issues
Topic: Can you really safeguard your credit card numbers?
Replies: 2
Views: 237

Can you really safeguard your credit card numbers?

I received a call from Penfed that my credit card was used fraudulently. It is a chip card. This is the second time this happened to me in 2 years. I am careful using the card but I do use it online for Netflix and paying some bills. Is there a best way to safeguard your credit card info? Or is it j...
by fsrph
Sat Dec 05, 2015 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 8076

Re: Writing checks - a Bogleheads thing to do?

I still use checks sometimes. Examples when: Paying property taxes. Have property in two different states. One doesn't accept credit cards and the other does but adds a surcharge. Paying income taxes I owe in April. Paying Penfed cc bill. I could link a bank account to it but haven't gotten around t...
by fsrph
Thu Dec 03, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 320
Views: 31039

Vanguard not offering Reduced price TurboTax anymore

[Thread merged into here, see below (next page). --admin LadyGeek] I apologize if this is already posted. E-mail from TurboTax I received today. Dear Valued Customer, For many years, Vanguard has offered TurboTax for free, or at a greatly reduced price, as a special benefit for select Vanguard clie...
by fsrph
Sun Nov 29, 2015 6:10 pm
Forum: Investing - Theory, News & General
Topic: How close do we know our bond percentages? What counts?
Replies: 23
Views: 2511

How close do we know our bond percentages? What counts?

How accurately do we really know our stock/bond percentages? Obviously, bonds and bond funds count as bonds. Do you count any of the following in your bond percentage? CD's Pension value SS Money market accounts Land or a house I count CD's as part of my bond percentage. I converted about 50% of my ...
by fsrph
Sun Nov 29, 2015 5:46 pm
Forum: Investing - Theory, News & General
Topic: Fixed Asset Allocation for the rest of your life
Replies: 60
Views: 6050

Re: Fixed Asset Allocation for the rest of your life

Bogleheads, I have always thought that 70% bonds and 30% stocks was a nice allocation for a retiree. Vanguard's Target Retirement Fund which is designed by Vanguard experts has this allocation. Keep investing simple. This is just about the percentages I hold. I not retired yet and in my mid 50's. B...
by fsrph
Fri Nov 27, 2015 9:39 am
Forum: Investing - Theory, News & General
Topic: Do any of you use Total Market and a CD for a 50/50 portfolio?
Replies: 20
Views: 3291

Re: Do any of you use Total Market and a CD for a 50/50 portfolio?

I was thinking 50% Total Market and 50% in a one year CD then rebalance when the CD matures each year. I did something similar but didn't view fixed income allocation as all bonds or all CD's. I split my fixed income allocation approx 50/50 in bond funds and CD's. The main reason I did this is all ...
by fsrph
Sun Nov 22, 2015 10:56 am
Forum: Investing - Theory, News & General
Topic: Any Bogleheads Not Staying the Course
Replies: 98
Views: 9875

Re: Any Bogleheads Not Staying the Course

How do we actually measure "staying the course"? I have increased fixed income as I have aged and feel comfortable doing so. I have approx 50% of my bond allocation in CD's (All 3%) which is a change for me. The other 50% I left in bond funds. I have converted cash into some land hopefully...
by fsrph
Sun Nov 15, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: Shoe Orthotics
Replies: 24
Views: 2574

Re: Shoe Orthotics

I found very cheap orthotics wear out (lose their shape) rather quickly. I found a good, inexpensive brand on Amazon that are great. They last long and you can throw them in the washing machine and they keep their shape. They're Powerstep Pinnacle Maxx brand http://www.amazon.com/Powerstep-Unisex-Pi...
by fsrph
Sat Nov 07, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 21068

Re: ALLY Bank and the new tier announcement

WolfpackFan wrote:https://www.ally.com/bank/online-savings-account/

says 1% for all balance tiers... kinda anti-climactic if ya ask me


They're now have the ability to change tier rates in the future. Just because they didn't do it on day 1, doesn't mean they won't in the future.
by fsrph
Mon Oct 19, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 136
Views: 14376

Re: Where to retire in Florida?

My thoughts on Naples. I first went to Naples 25 years ago and have vacationed in that area (Marco Island) ever since. I liked the area and still do. But it has changed a lot. It used to be much less developed and you had views of the Gulf almost everywhere. I guess development was to be expected bu...
by fsrph
Mon Oct 19, 2015 3:55 pm
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 136
Views: 14376

Re: Where to retire in Florida?

One comment. I know that it is anecdotal BUT ... I have found that retirees from the Northeast seem to prefer the Atlantic coast while Mid-westerners seem to prefer the west coast. I've lived in Florida for nearly 39 years and I can tell you there's an easy explanation for that. The highways from t...
by fsrph
Wed Oct 14, 2015 8:35 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25460

Re: Northwest FCU 3-year 3.04% Add-On CD

Even though we opened the Dream CD's 10 days ago, money is yet to be pulled from our bank. When can we expect the transactions to be completed? Kevin and Maria, how about yours? Same situation with me, but not quite a 10 day wait. If you sign up for online banking with Northwest you'll see the date...
by fsrph
Fri Oct 09, 2015 8:36 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25460

Re: Northwest FCU 3-year 3.04% Add-On CD

furwut, I believe your application is fine. Perhaps they don't have enough manpower to handle the demand and are still processing all applications. He did say they got a lot of applications. The person I spoke with at NWFCU said they will process all applications submitted prior to the 7PM deadline...
by fsrph
Fri Oct 09, 2015 11:01 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25460

Re: Northwest FCU 3-year 3.04% Add-On CD

I've opened my CD and am just waiting for it to be debited from my funding account, like some others on here. Thank you to Kevin and others for all the invaluable information that has been provided. Anyway, I'm new to investing, so please excuse me if this is a really stupid question. While looking...
by fsrph
Sun Oct 04, 2015 11:07 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25460

Re: Northwest FCU 3-year 3.04% Add-On CD

Well, i just tried to log on to my account using email and password set up that worked fine yesterday, and now I'm getting a different security picture and my password isn't working - same for DH's account. I tried "forgot password" but drop down birthdate box is not working, so can't do ...
by fsrph
Sat Oct 03, 2015 10:42 pm
Forum: Personal Consumer Issues
Topic: Noises in the wall (bats?)
Replies: 35
Views: 2309

Re: Noises in the wall (bats?)

I'm not sure what you have in your wall but if it ends up being bees I just when thru this. I'm using the word "bees" generically because what I had was not honey bees but yellowjackets. I noticed several bees hanging out near the flowers on the side of the house. Upon further inspection t...
by fsrph
Sun Sep 27, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: % Net Worth Change Since New Year's 2015
Replies: 95
Views: 8635

Re: % Net Worth Change Since New Year's 2015

I think a better question would be : (1) for those in accumulation phase , % change excluding the inflows and (2) for those in the draw down phase , excluding draws . Something like this makes more sense. Someone just starting out that has little invested and is saving a good part of their earnings...
by fsrph
Sun Sep 27, 2015 12:19 am
Forum: Personal Consumer Issues
Topic: Apparently VW dealerships can be sued over diesel cars [New car purchases]
Replies: 18
Views: 2474

Re: Apparently VW dealerships can be sued over diesel cars [New car purchases]

I would not consider buying a VW in the short term till this all shakes out. I have a feeling it's going to be a huge mess. As far as VW dealers being sued, sure I can see that, anyone can sue anyone else. But aren't the dealers just going to sue VW too?

Francis
by fsrph
Tue Sep 01, 2015 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Chip credit cards, do I need to get a PIN?
Replies: 54
Views: 4459

Re: Chip credit cards, do I need to get a PIN?

I received a new Penfed cc with a chip. I did not assign a pin to it. I use it everywhere my old (non chip) was used. No problems at all. However I've never used the chip card for cash in an ATM.

Francis
by fsrph
Fri Aug 28, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: Lawn Mower Repair
Replies: 38
Views: 2598

Re: Lawn Mower Repair

I've been down this road in needing to clean the carb in my lawnmower due to the ethanol in gas. Here's what the Toro repair technician told me. Buy small amounts of gas at a time (a few gallons). To the gas add Stabil Marine additive (dark green color) not the regular Stabil (red color). Stabil mar...
by fsrph
Wed Jul 15, 2015 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Does Anyone Plan to Work Past 70 years of Age
Replies: 63
Views: 6224

Re: Does Anyone Plan to Work Past 70 years of Age

When you say "work" do you mean full time work or any work.? Does volunteering count? I can't see myself in my ft job for much longer (I'm 55). Way too stressful and I can financially leave anytime. So, will I do something else? Not immediately. I'm going to detox and follow my interests a...
by fsrph
Mon Jul 13, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 4942

Re: Builder wants to put a retaining wall on my property

I would never agree to maintaining the wall. As I see it, the wall benefits the new houses to be built - from erosion or water runoff. Why would you maintain it? Large retaining walls can be costly to maintain. As others have said, if the land is a small strip at the property boundary sell it to the...
by fsrph
Mon Jul 13, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to transfer website to different hosting company?
Replies: 25
Views: 1607

Re: Is it difficult to transfer website to different hosting company?

LadyGeek wrote:fsrph - Did you get your question answered?

We seem to have drifted into a discussion about migrating WordPress.


Yes, I received ideas how to transfer the website. And some hosting company names to check out.

Francis
by fsrph
Sun Jul 12, 2015 9:36 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to transfer website to different hosting company?
Replies: 25
Views: 1607

Re: Is it difficult to transfer website to different hosting company?

If you've built your site using a tool on your PC/mac, or just constructed it from raw html using an editor, then transfer can be simple. If you built it using a proprietary tool provided by a hosting provider, transition may be considerably more difficult. That's a problem. I used a Godaddy produc...
by fsrph
Sun Jul 12, 2015 8:19 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to transfer website to different hosting company?
Replies: 25
Views: 1607

Is it difficult to transfer website to different hosting company?

My website is hosted by Godaddy. Very basic website, nothing fancy. They seemed to have eliminated all hosting renewal promo codes. There are much higher cheaper places to host a site. A name I'm reading about is Namecheap. Are they reputable? Is it relatively easy to switch to another hosting site?...
by fsrph
Sat Jul 04, 2015 7:39 am
Forum: Personal Consumer Issues
Topic: Saving on Golf
Replies: 21
Views: 1704

Re: Saving on Golf

You received a lot of good tips already. But to throw in my 2 cents. If you have time working at a course, even part time, often gets free Golf. If you can play twilight times, rates are much cheaper. Where I play twilight rates start at 3pm in the summer and 1pm in spring and fall. It's actually be...

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