Search found 383 matches

by musbane
Wed Sep 14, 2016 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody using Andrews CU 3% IRA CD?
Replies: 39
Views: 4870

Re: Anybody using Andrews CU 3% IRA CD?

I bought $250k cd at Andrews for part of my fixed part of our asset allocation. I'm considerating buying another for my wife's IRA. You realize you're going over the insurance limit the first time interest is credited... Thanks mouses, I did worry about that, but it turned out that I could have the...
by musbane
Tue Sep 13, 2016 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody using Andrews CU 3% IRA CD?
Replies: 39
Views: 4870

Re: Anybody using Andrews CU 3% IRA CD?

I bought $250k cd at Andrews for part of my fixed part of our asset allocation. I'm considerating buying another for my wife's IRA. I'm doing this because I can't find anything else even close to 3% guaranteed by the government. I'm worried because I can't find anything else even close to 3% guarant...
by musbane
Sun Sep 04, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Getting mortgage to avoid depleting Roth
Replies: 13
Views: 1181

Re: Getting mortgage to avoid depleting Roth

Thank you for all the responses so far. We retired early. I was 53. We traveled extensively during my career and again after retirement. We have not had a house for over 15 years. We want to 'retire' now to our own house and garden. Yes, that was always the plan. But it's not a big, expensive house....
by musbane
Sat Sep 03, 2016 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Getting mortgage to avoid depleting Roth
Replies: 13
Views: 1181

Re: Getting mortgage to avoid depleting Roth

Sorry. Yes, there is about 2 million in TIRAS. I'm 68. Wife 59 (been married 40 years :beer) ss will average about 40k real for the rest of our lives. Expenses - whatever we can afford. Variable. The concern is that with almost all the Roth gone, how will I deal with emergencies? Plus the original i...
by musbane
Sat Sep 03, 2016 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Getting mortgage to avoid depleting Roth
Replies: 13
Views: 1181

Getting mortgage to avoid depleting Roth

On another thread, someone is being generally advised not to use his Roth to pay down a mortgage. Is the reverse true? For years, since early retirement, I have been converting to Roth to the end of the 15% bracket. Taxable is now gone and we will now be living of IRAs and ss. But we have $1.O milli...
by musbane
Thu Jul 21, 2016 7:45 pm
Forum: Investing - Theory, News & General
Topic: 3% cd
Replies: 23
Views: 3933

Re: 3% cd

Kevin, I'm not sure, but I think I heard of this CD from you. If so, thanks. One thing. You can set up your CD for the full $250k and have the quarterly interest sent to your other bank. I am doing this as a withdrawal from the IRA (I'm retired and have to withdraw some anyway) but there is likely a...
by musbane
Thu Jul 21, 2016 4:58 pm
Forum: Investing - Theory, News & General
Topic: 3% cd
Replies: 23
Views: 3933

Re: 3% cd

Fan mail.

I can't believe I forgot that. Yes, it is seven years. Thanks.
by musbane
Wed Jul 20, 2016 12:42 pm
Forum: Investing - Theory, News & General
Topic: 3% cd
Replies: 23
Views: 3933

Re: 3% cd

Whodidn'tante

The only fee I see on their web site is $25 for a wire transfer out.
I'v never experienced a fee for moving an Ira.
by musbane
Wed Jul 20, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: 3% cd
Replies: 23
Views: 3933

3% cd

Since I was at risk of hijacking another thread, I've started a new one. I heard (through the other thread) that a company called Andrews Federal Credit Union is offering IRA(only) CDs at a 3% APY. Like many others, I have been having difficulty in finding good rates for the fixed portion of my AA. ...
by musbane
Wed Jul 13, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: CD question: would you take 3% guaranteed for 7 years?
Replies: 45
Views: 4652

Re: CD question: would you take 3% guaranteed for 7 years?

Sorry, Raven, I was typing while you were posting :happy I think this can be good for some people like me. I am retired and have more than 250k sitting in mm accounts, short term CDs and short term treasuries. 3% is better than I can get anywhere else with a guarantee. I will still have enough other...
by musbane
Wed Jul 13, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: CD question: would you take 3% guaranteed for 7 years?
Replies: 45
Views: 4652

Re: CD question: would you take 3% guaranteed for 7 years?

Called Andrews credit union. Polite phone person knew little, but said would leave msg for IRA specialist who called back in 10 minutes. So. Roth or TIRA only. 3% APY for 7 years. 180 days early withdrawal penalty.(still) They were set up to be a credit union for Andrews Airforce base personal, but ...
by musbane
Fri Mar 04, 2016 3:42 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 7815

Re: Cast Iron Frying Pans

I love cast iron for anything that requires browning or searing meat. People pay large premiums to buy antique pans made by now defunct companies like Griswold and Wagner. The reason is that in olden times makers would perfectly smooth the bottom (cooking surface) of the pan which together with the ...
by musbane
Wed Jan 13, 2016 8:36 pm
Forum: Investing - Theory, News & General
Topic: worst first four opening days in HISTORY for S&P 500
Replies: 125
Views: 14756

Re: worst first four opening days in HISTORY for S&P 500

I believe that a number will have in mind, or even as instructions to their broker, that at a certain point- for example "a 10% drop in the S&P" they will want their broker to "Get me out"
by musbane
Sat Dec 26, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Seattle-what can we really afford?
Replies: 42
Views: 4357

Re: Seattle-what can we really afford?

I would recommend Bainbridge if the office is in easy walking distance from the Seattle ferry. I did this for about 15 years (different ferry just a few miles north of Bainbridge). I kept a beater car for driving to the ferry and walked on and off. much cheaper than driving across. The surprising th...
by musbane
Thu Jul 23, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Is the entire Car Transport Industry this Shady? Need help in getting a reliable transport company...
Replies: 25
Views: 4417

Re: Is the entire Car Transport Industry this Shady? Need help in getting a reliable transport company...

It does seem to be mostly about brokers now and there are many shady tricks. When I moved my new to me very expensive car from a New Hampshire dealer to my home near Seattle, the dealer was responsible for arranging (not paying) for the trucking. Almost a month went by as the broker offered up excus...
by musbane
Sat May 09, 2015 10:38 am
Forum: Personal Finance (Not Investing)
Topic: New Math for Retirees and the 4% Withdrawal Rule
Replies: 96
Views: 15268

Re: New Math for Retirees and the 4% Withdrawal Rule

Nisiprious stated that with a zero % real return, 4% / year would last 25 years. This is true. There is no degradation due to inflation.
by musbane
Thu Apr 23, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 3018

Re: cleaning plastic eyeglass lenses

My glasses salesman just showed me a new wrinkle. Do everything Nisiprious said except at the end, instead of wiping them with ANYTHING, reduce the flow of warm water to little more than a trickle. Then, while holding the lenses vertical, let the water flow over the lenses as you move them from one ...
by musbane
Tue Apr 14, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 10054

Re: Vehicle for tall people/Spouse wants 50k car help!

6'4" here and my Porsche Cayenne is the first car I have been in with more room than I need. Also a superb drivers car. Used CPO is the way to go. Post 2010 they get high reliability ratings. Very safe. All the nice options are cheap or free if buying used. I guess there's just a huge snob prem...
by musbane
Wed Apr 01, 2015 11:55 am
Forum: Personal Consumer Issues
Topic: New Car Tires from Discount Tire
Replies: 23
Views: 4883

Re: New Car Tires from Discount Tire

Just purchased tires from Discount for the first time. You do not have to buy any extra warrantee to get the free tire rotations. Interestingly, the guy said that the tire company would live up to its 75,000 warrantee only if the tread wear was even. Also, while I never buy aftermarket warranties, y...
by musbane
Wed Apr 01, 2015 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead Jeep owners? ("real Jeep's")
Replies: 51
Views: 4181

Re: Boglehead Jeep owners? ("real Jeep's")

Now, don't be offending all the Cherokee owners out there. I don't know about the newer ones but I have an '89 which I bought new. Three inch lift, 31 inch tires, adjustable shocks, 410 gearing, winch,locking ARB locking differentials front and rear. Extra cooling capacity, other stuff I can't even ...
by musbane
Wed Apr 01, 2015 10:11 am
Forum: Personal Consumer Issues
Topic: Tesla to start making Batteries for Home Solar
Replies: 61
Views: 5732

Re: Tesla to start making Batteries for Home Solar

A few points. Lithium batteries have several advantages. But one of them is their light weight compared to lead acid technology. This makes them ideal for vehicles. Houses on the other hand, don't much care about weight. So there will have to be a bigger spread in other attributes (cost, life, safet...
by musbane
Tue Mar 10, 2015 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Are 10% of American Households Millionaires?
Replies: 12
Views: 2900

Re: Are 10% of American Households Millionaires?

You're right. I was actually responding to Felix. Sloppy on my part.
by musbane
Tue Mar 10, 2015 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Are 10% of American Households Millionaires?
Replies: 12
Views: 2900

Re: Are 10% of American Households Millionaires?

But if 9% of households make millionaire by retirement that means 9% of retiree households have a million. And retirees are what? Maybe 30 % of the population? So millionaires would equal about 2.7% of the households.
by musbane
Mon Mar 09, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 6066

Re: If you could send an investment message 10 years in the

For those considering heavy leverage, think about the scenario whereby you, say, go long Apple and, even though you have the end points correct, the stock dips in the early days, and you get a huge margin call. :oops:
by musbane
Fri Feb 27, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 2097

Re: Father / Son Deep Sea Fishing Trip

If traveling is possible, think about Baja.

Cabo if you like night life. Los Barriles if you don't.
by musbane
Fri Feb 27, 2015 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 18669

Re: How much did you have saved up for retirement at age 30?

At 30 I was newly married and our net worth in today's dollars was about minus $50,000. (Boat loan plus credit card debt.) At that time I first realized that I really was going to have to work for a living. Got a job paying $7,000/ yr (1977 dollars) went back to school nights. Retired at 53. That wa...
by musbane
Wed Feb 25, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 159
Views: 15808

Re: Guns for hunting/defense

I think I'm related to the OP. 1. Glock 23 in .40. Generation 2. I think .40 is becoming less popular but I like the compromise between 9 mm and .45. 2. Remington 700 in 30-06. As versatile a rifle as you can get. Bought it at Doc Holliday's hock shop in Albequerque in 1973. Absolutely beautiful pie...
by musbane
Tue Feb 24, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: Pellet stoves -- whats your take?
Replies: 38
Views: 4385

Re: Pellet stoves -- whats your take?

This is not a balanced report. I would just add that one of the advantages of a wood stove is heat during a power outage.

This doesn't work with a pellet stove.
by musbane
Fri Feb 13, 2015 12:17 pm
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 8532

Re: I'm not a bad Boglehead [buying Powerball ticket]

I think of it as a religious question.

If God doesn't want me to win, I won't.

If She wants me to win, She only needs me to buy one ticket. In my life.

I haven't bought it yet.
by musbane
Mon Jan 26, 2015 9:34 pm
Forum: Investing - Theory, News & General
Topic: Get 17% in russian savings account?
Replies: 49
Views: 5649

Re: Get 17% in russian savings account?

No expert here, but if the gamble is at least partly that Russia gets its inflation under control, well if you win, what is to keep Russia from calling their bonds? Changing their bank rates? I don't think they have to let you win even if your assumptions are correct. Unless they really are a bunch ...
by musbane
Sat Jan 03, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 9203

Re: Do you usually order (not-free) beverage at restaurants?

Quit drinking alcohol so, making a virtue out of necessity, I usually order water.

Actually, quit last year and figure I save $10,000 per year. :sharebeer
by musbane
Tue Dec 30, 2014 1:52 pm
Forum: Personal Consumer Issues
Topic: Advice Regarding the Best Method for Selling Silver Items
Replies: 6
Views: 961

Re: Advice Regarding the Best Method for Selling Silver Item

Silver and other precious metals are sold by the Troy ounce of which there are 14.583333... in a pound.
by musbane
Wed Dec 24, 2014 8:12 pm
Forum: Personal Consumer Issues
Topic: Vacuum Food Sealers - Love it or gimmick?
Replies: 23
Views: 3598

Re: Vacuum Food Sealers - Love it or gimmick?

Used to live on a sailboat and had to provision some items for six months. Worked great. Also there is an attachment to let you use Mason jars. Very useful for cereals, pasta, all kinds of things. Interestingly, the straw method with zip loc bags described above works well and has the advantage of t...
by musbane
Wed Dec 24, 2014 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Include Pensions/SS/Annuities in NW Calculations?
Replies: 50
Views: 3590

Re: Poll: Include Pensions/SS/Annuities in NW Calculations?

Thought experiment. Assume 2 millian in liquid assets . Assume 40,000 in yearly ss payments. Assume the cost of buying a $40,000 inflation adjusted annuity is 1 million. Object : how much can I spend yearly? I believe I can spend more than 4% if I am prepared to cut this drastically if the market tr...
by musbane
Mon Dec 15, 2014 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 5830

Re: Helping out family members

Agree strongly with others suggesting you consider it a no strings gift. Forgiveness is good for the soul. It is not the same as forgetting. You would not be taking this money out of net savings because you don't as yet have any. Therefore, since you would be using other funds that would otherwise g...
by musbane
Mon Dec 08, 2014 11:45 pm
Forum: Personal Consumer Issues
Topic: Hudson Bay Company Blanket
Replies: 8
Views: 1918

Re: Hudson Bay Company Blanket

LL Bean has been selling them since 1925. Still have ours from about 1978. Still in good condition. Don't use it any more. Prefer fairly heavy down comforter. After you get used to one , your body learns to stick more or less arms and legs outside it to regulate temperature without waking up. Price ...
by musbane
Sun Dec 07, 2014 11:14 pm
Forum: Personal Consumer Issues
Topic: how to join nylon webbing?
Replies: 26
Views: 5361

Re: how to join nylon webbing?

Sailers are faced with this task all the time.

Overlap the two ends by at least the width of the strap. Then, using sailmakers thread (Dacron - won't rot from the sun) sew them together in an 'X' pattern.

A palm would be useful, but you can probably do it with a thimble.
by musbane
Sun Dec 07, 2014 11:00 pm
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 4098

Re: Family jewels, kind of.

Agree with all the 'no' posts above. Small additional point. If the inlaws really believe they got a good deal on these, then by accepting the deal, you will not only have a bad deal, but you will OWE them forever :oops: . I've been married almost 40 years. Talk to your girlfriend. If she really doe...
by musbane
Sat Nov 22, 2014 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with global ETfs from New Zealand
Replies: 22
Views: 2764

Re: Help with global ETfs from New Zealand

I agree with Value Thinker here. Sounds like a combination of the 80-20 rule and "Don't let the desire for a perfect plan ruin a good plan". So precisely how would a NZ citizen invest in this ETF with the least cost? And what about a dual USA/NZ citizen residing in NZ? (Two different people)
by musbane
Wed Nov 05, 2014 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to Retire at 55
Replies: 22
Views: 4082

Re: Planning to Retire at 55

You look good. Think seriously about converting IRAs to Roths gradually up to maybe the end of the 15% bracket in the early years of your retirement while you are living on taxable funds and before taking SS. Also agree on waiting till 70 for SS. You have a long time till Medicare. Make sure you are...
by musbane
Wed Nov 05, 2014 1:15 am
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 19
Views: 4757

Re: LED Christmas lights?

Not for us .

We still use candles...
by musbane
Sat Nov 01, 2014 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Where to with Cash?
Replies: 34
Views: 3599

Re: Where to with Cash?

I know the feeling. My CDs are all coming due this January. I know I need to keep it in fixed income, but there are no good choices.
by musbane
Sat Nov 01, 2014 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Where to with Cash?
Replies: 34
Views: 3599

Re: Where to with Cash?

Well, I'm 67 too. 2008 was hard for me also. After it went back up again, we decided that we had too large a pct. in stocks and we altered our plan to include more bonds. Well, in our case CDs. They're right, above, you know. Read some of the recommended books Likely, you are simply realizing that y...
by musbane
Sat Nov 01, 2014 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Art, Antiques, and Collectibles and wines
Replies: 53
Views: 5303

Re: Investing in Art, Antiques, and Collectibles and wines

An interesting point about investing in great wine is that it should grow in value for three distinct reasons. I can think of no other commodity where this is true. 1) assuming something like a Latour from a good recent year, it will keep up with inflation like other commodities. 2) it will get rare...
by musbane
Thu Oct 30, 2014 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Are we really in the 0% bracket?
Replies: 32
Views: 4489

Re: Are we really in the 0% bracket?

I must apologize for appearing to not follow up sooner than this. I actually did yesterday and submitted it only to find out now that it disappeared - went poof! In the mean time a lot of great answers/theories were brought forward by the members of this forum and we thank you all for chiming in and...
by musbane
Tue Oct 28, 2014 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Are we really in the 0% bracket?
Replies: 32
Views: 4489

Are we really in the 0% bracket?

I find this strange. Background: Married filing jointly Retired no ss yet We have been converting to Roth for about 6 years up to the end of the 15% bracket. $6600 qualified dividends in a taxable account. This year we have $70000 in long term capital gains in a taxable account. We're not used to th...
by musbane
Thu Oct 16, 2014 10:48 am
Forum: Investing - Theory, News & General
Topic: Poll: which portion of the chart shows higher volatility?
Replies: 26
Views: 1869

Re: Poll: which portion of the chart shows higher volatility

Well, Clive, so did I, which accounts for most of the votes on our side :sharebeer
by musbane
Tue Oct 14, 2014 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Need dispensation to pay ROTH conversion taxes from tIRA
Replies: 25
Views: 1168

Re: Need dispensation to pay ROTH conversion taxes from tIRA

OK, you have run out of your (presumably taxable) mm fund. What are you living on? If you will have to take funds out of a Roth to avoid going over the 15% bracket, than converting into a Roth ouldn't make sense. Otherwise I see no objection. Oh, and if you think I'm suggesting that you are an idiot...
by musbane
Tue Oct 14, 2014 4:29 am
Forum: Investing - Help with Personal Investments
Topic: You and your spouse
Replies: 2
Views: 830

Re: You and your spouse

Retired almost 40 year married guy here. I do all of our investing with substantial help from many bogleheads to whom I am indebted. My wife does all our taxes. Neither of us does anything substantial without discussion. We have never had a disagreement about either of these endeavors. Other issues,...
by musbane
Tue Oct 14, 2014 4:01 am
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 4871

Re: Does your ROTH hold risky or stable items?

Retiree here. I have about 40% of my liquid assets in a Roth, all from IRA conversions and all in tilted equities. All from conversions in the last six years that have done quite well. Except for the last month as per Livesoft. I have now run out of taxable money, and will be withdrawing from IRAs t...

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