Search found 1417 matches

by tbradnc
Thu Dec 08, 2016 1:43 pm
Forum: Personal Consumer Issues
Topic: Cellular Service Surcharges, Taxes, and Fees
Replies: 26
Views: 3524

Re: Cellular Service Surcharges, Taxes, and Fees

All 3 of our iphones are now out of contracted or owned outright. Around here in the sticks it's Verizon or nothing so 3 lines, $20 each plus 5 GB data runs $108.43/month taxes included. (also reflects a 8% employee discount on one line) One nice thing about the latest Verizon plan gyration is that ...
by tbradnc
Thu Dec 08, 2016 7:09 am
Forum: Personal Consumer Issues
Topic: Anyone still upgrading their PC build? (Not replacing the machine)
Replies: 33
Views: 1741

Re: Anyone still upgrading their PC build? (Not replacing the machine)

I used to but these days upgrading a PC is like growing your own vegetables. You can do it and there's a certain amount of satisfaction to it if you find it enjoyable but it's cheaper and easier to just go to the grocery store.
by tbradnc
Wed Dec 07, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

.............................................................. I'm waiting for the transfers to clear, but I intend to do just that. The rep I spoke with over the phone said that I could open as many CDs as I'd like. Just curious how long folks have to wait for transfers to clear and method of tran...
by tbradnc
Wed Dec 07, 2016 7:21 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

Does anyone know if I can have multiple CD's in my name instead of only having one. I have about $300K and I want to put them in multiple CDs instead of one. Is this allowable? I'd assume the answer is yes, but please post here if someone knows for sure, I'd like to know too Yes, my wife has two 3 ...
by tbradnc
Tue Dec 06, 2016 7:10 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

Opening up my account was a lot easier once I had a feel for how they work. 1. Submitted my application. 2. Waited until I saw the money to fund the account leave Ally (means my account was setup even though I received no notice at all from Andrews) 3. Called and got my account number. (With the acc...
by tbradnc
Sun Dec 04, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: Relocation to Asheville, NC
Replies: 14
Views: 1674

Re: Relocation to Asheville, NC

I was just in Asheville an hour ago - my daughter lives there and my wife and I live about an hour north. When I retired and we left the coast (Wilmington, NC Asheville was at the top of our list of places to move but we found we liked the area north there better so we're just over the line in Tenne...
by tbradnc
Sun Dec 04, 2016 8:27 am
Forum: Personal Consumer Issues
Topic: What to do in Seattle (weekend trip)
Replies: 14
Views: 732

Re: What to do in Seattle (weekend trip)

Thanks for all the replies and great suggestions! Even though this is primarily an investing oriented forum I've gotten some amazing tips on things to see and do from forum members. A few years ago there was a thread on "the best pizza in New York" that was supremely helpful when we visite...
by tbradnc
Sat Dec 03, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: What to do in Seattle (weekend trip)
Replies: 14
Views: 732

Re: What to do in Seattle (weekend trip)

Thanks for the suggestions so far. We live in east Tennessee. We enjoy a wide variety of activities - tours, museums, local fare. We're in our latter 50s and can walk several miles a day without any difficulty We're landing Friday afternoon and leaving Monday morning. So far we've got reservations f...
by tbradnc
Sat Dec 03, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: What to do in Seattle (weekend trip)
Replies: 14
Views: 732

What to do in Seattle (weekend trip)

My wife and I find ourselves in downtown Seattle next Saturday and Sunday - I think we're at the Crowne Plaza.

Besides the Space Needle does anyone have any suggestions for any touristy things we can do without a car?
by tbradnc
Fri Dec 02, 2016 7:08 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

I opened a 3 month certificate in my wife's account using their online interface (SmartConnect). Everything appeared to work and the certificate is showing up in her online accounts. This then is the way to go... Just open the basic savings account required for establishing a membership, push money ...
by tbradnc
Wed Nov 30, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

Just a word of warning on something I found out about yesterday... If you open the Andrews account with the minimum of $5 you'll get hit with a $29 fee (from Andrews) if your bank makes the typical 2 small deposits and then withdraws them when you link an external account. Something about the order...
by tbradnc
Wed Nov 30, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

Just a word of warning on something I found out about yesterday... If you open the Andrews account with the minimum of $5 you'll get hit with a $29 fee (from Andrews) if your bank makes the typical 2 small deposits and then withdraws them when you link an external account. Something about the order ...
by tbradnc
Wed Nov 30, 2016 6:56 am
Forum: Personal Consumer Issues
Topic: 2 Gifts each under $50
Replies: 23
Views: 2725

Re: 2 Gifts each under $50

I would be excited to get this $40 Grundig shortwave radio. :) http://www.cabelas.com/product/ETON-GRUNDIG-MINI/2309062.uts?productVariantId=4640898&WT.tsrc=PPC&WT.mc_id=GoogleProductAds&WT.z_mc_id1=04479630&rid=20&gclid=CjwKEAiAjvrBBRDxm_nRusW3q1QSJAAzRI1tpv_4cDcVRe-RhopYHhjy8zI...
by tbradnc
Tue Nov 29, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Zenni Optical
Replies: 39
Views: 4056

Re: Zenni Optical

It's been several months since I started this post but wanted to follow up.

My wife received her Zenni Optical glasses last week and is very happy with them. The total price was just under $40, including shipping. She says they're every bit as good as her last pair - which cost about $400.
by tbradnc
Tue Nov 29, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Stupid question on Emergency Fund
Replies: 19
Views: 2303

Re: Stupid question on Emergency Fund

My entire portfolio is my emergency fund. I don't keep a separate fund just for emergencies. I've got a HELOC from a local regional bank on my mortgage-free home that's sitting there waiting to be tapped. I've got credit cards and plenty of unsecured credit. I've got some money in Ally. Nightmare sc...
by tbradnc
Tue Nov 29, 2016 6:05 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

I just opened the savings account and want to ACH money into that account to fund a CD. But at first glance, it appears I can only ACH in $5,000 per day. Am I reading that right? That seems low. What you need to do is connect an external bank and then push the money into Andrews from the external b...
by tbradnc
Mon Nov 28, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

Just a quick followup - I did get a call Saturday afternoon from a CSR and got the account opened. As I explained above the most efficient way to do it is to open the savings account only, then when that is setup have the money to open the CD wired or sent via ACH into the savings account and create...
by tbradnc
Mon Nov 28, 2016 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Unrealized losses in traditional IRA?
Replies: 10
Views: 667

Re: Unrealized losses in traditional IRA?

Well... this has all been very enlightening. Always good to learn something but looks like it's not going to work for me.

Thanks for taking the time to reply.
by tbradnc
Mon Nov 28, 2016 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Unrealized losses in traditional IRA?
Replies: 10
Views: 667

Re: Unrealized losses in traditional IRA?

Thanks for the info... I'll start with the link above and see what I can find out.
by tbradnc
Mon Nov 28, 2016 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Unrealized losses in traditional IRA?
Replies: 10
Views: 667

Re: Unrealized losses in traditional IRA?

The things you learn. Hopefully this isn't TMI - pertinent info has been redacted - but are you saying it's possible I might be able to TLH this even though it is a tIRA? http://imgur.com/a/00abL This is relevant because I realized some LTCGs in our taxable account and we're on the verge of losing o...
by tbradnc
Mon Nov 28, 2016 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Unrealized losses in traditional IRA?
Replies: 10
Views: 667

Unrealized losses in traditional IRA?

I just noticed something interesting looking at our IRAs on vanguard.com. I have a Roth and tIRA - both hold the same bond fund. I would have figured neither the Roth or the tIRA would list any data when "cost basis" was viewed. When I view cost basis of my Roth the fields are blanked (tha...
by tbradnc
Thu Nov 24, 2016 8:18 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

My application has been pending since November 18th. I did upload a copy of my license, utility bill, and ACC member number at the time of application.
by tbradnc
Sat Nov 19, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: What does a bond bear market look like?
Replies: 91
Views: 7998

Re: What does a bond bear market look like?

This thread is a good segue to a question i've wanted to ask for a while. I've owned an intermediate bond fund for many years. Interest is always reinvested into the fund. The cost basis for the fund is showing a hefty unrealized long term loss (as well as short term loss, reflecting interest reinve...
by tbradnc
Sat Nov 19, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: Any Experiences Buying Mattress Online
Replies: 47
Views: 9341

Re: Any Experiences Buying Mattress Online

all the cool kids are getting the casper mattress. $850 (i think) for a queen before a $50 coupon easily found on the web. you get to sleep on it up to 100 nites and can return for a full refund if ya don't like it. thats what i'm doing next. There is also a $75 off $350 American Express offer. I u...
by tbradnc
Fri Nov 18, 2016 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's the best Cashback CC for "general" uses?
Replies: 27
Views: 2865

Re: What's the best Cashback CC for "general" uses?

I'd say the Citi card is best. It's really a 1.99% cash back if you want to get super-technical. Not really so. If you redeem the accumulated cash back as statement credit, yes it comes out to be 1.99% cash back card. But you can also redeem the accumulated cash back as direct deposit to your bank,...
by tbradnc
Fri Nov 18, 2016 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's the best Cashback CC for "general" uses?
Replies: 27
Views: 2865

Re: What's the best Cashback CC for "general" uses?

I've got three 2% cash back cards. 1. Citi Double Cash 2. Fidelity Rewards 3. Capital One Spark (Business) I'd say the Citi card is best. It's really a 1.99% cash back if you want to get super-technical. The Fidelity card website isn't as good as Citi's and you can't cash out less than $50. Capital ...
by tbradnc
Fri Nov 18, 2016 3:09 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

The backend AFCU uses for account opening is common to many credit unions. The most efficient way I've found to work with this system is to create the simplest account possible first - in this case a $5 savings account. Once this step is complete and your membership and initial required savings acco...
by tbradnc
Fri Nov 18, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5960

Re: Early retire considering Self-Insurance for healthcare

And that's exactly why the ACA has proved to be a financial failure . . . sigh. Can you point to any evidence that it has happened and in what quantity? I have not seen any stories of people getting divorced, moving, or even just putting off treatment. I have seen a bunch of bloggers suggesting it ...
by tbradnc
Fri Nov 18, 2016 9:19 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

Racing the deadline but unless I'm blind there was a 6 month, 3% certificate special listed - this is what got me off the fence to join. The only 3% CDs that I see are the 3- and 84-month CDs... Yeah, it was an option when you select which accounts you want opened during the application process - I...
by tbradnc
Fri Nov 18, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

Racing the deadline but unless I'm blind there was a 6 month, 3% certificate special listed - this is what got me off the fence to join. I'm not excited to tie up funds for 7 years (yes I know about the 6 month EWP). 6 months might be enough to tell the tale about the direction of rates for the next...
by tbradnc
Thu Nov 17, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5960

Re: Early retire considering Self-Insurance for healthcare

With the current implementation of the ACA you can buy insurance every 10 months during open enrollment. So.. should you get a disease or illness and are willing to suffer for a while you could save a ton. :) An accident is what would get you. In the words of Clint Eastwood.. "Do you feel luck...
by tbradnc
Thu Nov 17, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5960

Re: Early retire considering Self-Insurance for healthcare

patriciamgr2 wrote:tbradnc: isn't assuming the continuation of the current version of Obamacare a risk itself?


Indeed.
by tbradnc
Thu Nov 17, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5960

Re: Early retire considering Self-Insurance for healthcare

With the current implementation of the ACA you can buy insurance every 10 months during open enrollment. So.. should you get a disease or illness and are willing to suffer for a while you could save a ton. :) An accident is what would get you. In the words of Clint Eastwood.. "Do you feel lucky...
by tbradnc
Thu Nov 17, 2016 7:04 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 110
Views: 11289

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

I'm not seeing the non-IRA certificate on their website as yet. There's also a blurb on depositaccounts.com stating that these specials have to be opened in-branch and aren't available online. Were you able to purchase the 7 year, 3% certificate online?
by tbradnc
Mon Nov 14, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union HSA
Replies: 4
Views: 483

Re: Lake Michigan Credit Union HSA

Thank you both. My wife and I both are members and each take advantage of the Max Checking account - very nice indeed. Based on your feedback and how straightforward everything looks online I'm going to send in the forms today - already printed them. An aside, we also use our HSAs as long term IRAs ...
by tbradnc
Mon Nov 14, 2016 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Lake Michigan Credit Union HSA
Replies: 4
Views: 483

Lake Michigan Credit Union HSA

Our main HSA is with HSA Administrators but I'm looking to open a HSA in my name to stash my $1000 catchup contribution - we belong to LMCU and from the looks of it their HSA product is completely free of fees.

Anyone use it, and are there any gotchas for small ($1000) accounts?
by tbradnc
Sun Nov 06, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to realize short term capital loss
Replies: 6
Views: 672

Re: How to realize short term capital loss

If you used average basis in the past, all the shares you held when you made the average-basis sale have been averaged. However, you can switch to specific identification for shares bought since your last sale; it is likely that your short-term loss, on your newest shares, can still be specifically...
by tbradnc
Sat Nov 05, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How to realize short term capital loss
Replies: 6
Views: 672

Re: How to realize short term capital loss

So no way to realize just the short term loss.. that's what I thought but never hurts to ask.
by tbradnc
Sat Nov 05, 2016 7:32 am
Forum: Personal Finance (Not Investing)
Topic: How to realize short term capital loss
Replies: 6
Views: 672

How to realize short term capital loss

I'm trying to figure out how to realize a short term capital loss. Here's the situation (numbers fictional): Mutual fund has a value of $150,000, has a short term loss of $5000 and a long term gain of $20,000. Fund has been part of portfolio for 15 years and "average cost" method was chose...
by tbradnc
Wed Oct 26, 2016 8:26 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's latest market returns forecast
Replies: 380
Views: 28440

Re: Larry Swedroe's latest market returns forecast

For me it's like this... Mr. Swedroe has forgotten more than I will ever know about investing. I endeavor not to make investing decisions based on what anyone says is going to happen in the future, regardless of how much they know about the past and present - unless they are willing to insure me aga...
by tbradnc
Wed Oct 26, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 11043

Re: 2017 ACA plan previews

This is something I never considered when thinking about where to early retire. For early retirees who need to purchase individual insurance, where are the good locations, i.e., places where it is possible to purchase a plan with a large network? Hayden, it's a great question. But any answers you g...
by tbradnc
Fri Oct 21, 2016 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs and self funding
Replies: 96
Views: 6295

Re: Healthcare costs and self funding

You seem pretty determined. You could save some money by insuring specific family members and letting the others go uninsured. Want to protect your kids - insure them and roll the dice on you and your spouse... Think your kids are healthy and want to protect you and your spouse - let the kids go uni...
by tbradnc
Fri Oct 21, 2016 5:35 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's latest market returns forecast
Replies: 380
Views: 28440

Re: Larry Swedroe's latest market returns forecast

Whatever happened to "The forecasting skills of gurus."?

(respectfully)
by tbradnc
Thu Oct 20, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 60
Views: 7480

Re: Appalachian Trail thru-hike in retirement?

So, if you had to do just one, which would it be the AT or PCT? I too am thinking of this, and I am leaning towards the PCT, as it seems much more scenic and less crowded. Having hiked both I would recommend the PCT over the AT if I absolutely had to pick one. The views are just mind-numbingly beau...
by tbradnc
Thu Oct 20, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 60
Views: 7480

Re: Appalachian Trail thru-hike in retirement?

I've been able to get in about 1200 trail miles so far this year. Since this topic was originally posted I've also hiked a big chunk of the CDT (Continental Divide Trail). In August I hiked the Superior Hiking Trail in MN - it runs about 255 miles or so from the Canadian border to Duluth, never gett...
by tbradnc
Fri Oct 14, 2016 5:44 am
Forum: Investing - Theory, News & General
Topic: CFSB 33 month, 2% CD (IL TN KY MO)
Replies: 1
Views: 234

CFSB 33 month, 2% CD (IL TN KY MO)

If you live in Indiana, Illinois, Tennessee, Kentucky or Missouri, Community Financial Services Bank has a 33 month, 2%, $1000 min / no maximum CD.

https://www.cfsbky.com/personal/persona ... t-cds.html

EWP is 6 months interest and $35.
by tbradnc
Thu Oct 13, 2016 8:17 am
Forum: Investing - Help with Personal Investments
Topic: HSA catch up contribution for 2 people over 55
Replies: 6
Views: 710

Re: HSA catch up contribution for 2 people over 55

Thank you. Looking here: https://www.shrm.org/resourcesandtools/hr-topics/benefits/pages/irs-sets-2017-hsa-contribution-limits.aspx The max family contribution for 2017 is $6750. Add $1000 for my wife's catch up contribution makes it $7750. If I open an HSA and put my $1000 catch up in it then that ...
by tbradnc
Thu Oct 13, 2016 6:32 am
Forum: Investing - Help with Personal Investments
Topic: HSA catch up contribution for 2 people over 55
Replies: 6
Views: 710

HSA catch up contribution for 2 people over 55

Quick question if I may.... My wife and I are covered by a HDHP. She is 3 years older than me (55/58). We have a HSA with Health Administrators in her name and have fully funded it for the past 3 years. We've also been able to make the additional $1000 catch up contribution due to her being over 55 ...
by tbradnc
Sat Oct 01, 2016 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Good funds for Emergency Fund?
Replies: 21
Views: 2199

Re: Good funds for Emergency Fund?

My entire portfolio is my emergency fund.

If I have an emergency I'd tap my Ally funds first, then VBIRX (short term bond index, admiral), then my rewards checking accounts paying 3%.
by tbradnc
Thu Sep 29, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Roadside assistance Programs
Replies: 41
Views: 3029

Re: Roadside assistance Programs

I intend to use the Premium Roadside Assistance provided by my Amex Premier Rewards Gold card if and when I need roadside assistance again. I've heard good things about it - we'll see.

https://www.americanexpress.com/us/cred ... emier-gold

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