Search found 152 matches

by yorkpond
Thu Mar 30, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Sell high cost basis fund shares with a carryover loss??
Replies: 5
Views: 290

Re: Sell high cost basis fund shares with a carryover loss??

Thank you. This is much more clear now. I do have about some short term gains. So, your advice is to save as much of the carryover loss for a time when I'm in a higher tax position (last in, first out in your example)?. To be clear, I can include the short term lots in the sale as well? In case it ...
by yorkpond
Wed Mar 29, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Sell high cost basis fund shares with a carryover loss??
Replies: 5
Views: 290

Re: Sell high cost basis fund shares with a carryover loss??

You have $90K in carryover losses. You need to raise $80K in cash by selling VG Total Stock Market. You are temporarily in a low tax bracket. IMO you should maximize the value of those carryover losses, which means you'd rather save more of them for use when your LTCG tax rate is highest. So you sh...
by yorkpond
Wed Mar 29, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 133
Views: 6994

Re: Virtual Private Networks (VPNs)

Picked up PureVPN the end of last year. Went on sale via Stack Social for $50 total for a lifetime membership. They're based in Hong Kong. They have a very large number of servers around the world. Getting started required a few chats with them;but, very good customer service and website. At home m...
by yorkpond
Wed Mar 29, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Sell high cost basis fund shares with a carryover loss??
Replies: 5
Views: 290

Sell high cost basis fund shares with a carryover loss??

I have a $90k carryover loss. I'd like to sell off a bit of V. total stock market shares to yield $80k. The cost basis method is specific ID so we can choose the lots to sell. I will be voluntarily suspending SS this June; so, I'll be in a relatively low tax situation until I start collecting in app...
by yorkpond
Sat Mar 25, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 133
Views: 6994

Re: Virtual Private Networks (VPNs)

If yiu use a VPN, does it hide your country so that you can receive UK, French German Netflix? Yup, using PureVPN I can choose the country server and log on. I did try it using Canada and was easily able to watch Canadian TV online. I'm sure most VPN providers have numerous servers located all over...
by yorkpond
Sat Mar 25, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 133
Views: 6994

Re: Virtual Private Networks (VPNs)

Picked up PureVPN the end of last year. Went on sale via Stack Social for $50 total for a lifetime membership. They're based in Hong Kong. They have a very large number of servers around the world. Getting started required a few chats with them;but, very good customer service and website. At home m...
by yorkpond
Sat Mar 25, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 133
Views: 6994

Re: Virtual Private Networks (VPNs)

Now seems to be a good time to get reacquainted with VPNs. I used one several years ago in conjunction with work, but don't really remember the particulars. Here are some starter questions: 1. Will a VPN cut down on broadband speeds? (Think DSL as well as FIOS) 2. What are some of the more reliable...
by yorkpond
Tue Mar 07, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Filing a Social Security Application to Suspend Benefits
Replies: 2
Views: 270

Filing a Social Security Application to Suspend Benefits

Hello, I'm turning 66 in June and want to file to defer/suspend benefits until I'm 70 and earn DRC. Can this be done on-line or do I call SS? Read a great post today on Restricted Applications that my wife will use once I file. But for me turning 66 in June, what way is the best way to suspend my be...
by yorkpond
Thu Feb 16, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 199
Views: 26822

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

With Andrews having a 6 mo EWP and MACU a 12 month EWP, use depositaccounts.com calculator and you will see you will get much more interest from Andrews in 2 or 3 years from now. If rates go above 3% Andrews is a much better deal as far as EWP. I bought the 7yr Andrews IRA CD last week.

Good luck
by yorkpond
Fri Feb 10, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Help Buying a Toro Snowblower
Replies: 2
Views: 261

Help Buying a Toro Snowblower

Hi Bogleheads,

Buying my first good snowblower. Anyone know about the Toro HD 826 OXE? Or have ideas for a good 2-stage snowblower?

Thanks in advance.
by yorkpond
Thu Feb 09, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 199
Views: 26822

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

Hi. Just opened the 84 month IRA CD at Andrews FCU. We also have a non-IRA CD with a base account. When it matures the proceeds will go into the base account. There is no base account for the IRA CD. Where will funds go in the event we sell the CD before 84 months? I do not want to comingle the IRA...
by yorkpond
Tue Feb 07, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 199
Views: 26822

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

Hi. Just opened the 84 month IRA CD at Andrews FCU. We also have a non-IRA CD with a base account. When it matures the proceeds will go into the base account. There is no base account for the IRA CD. Where will funds go in the event we sell the CD before 84 months? I do not want to comingle the IRA ...
by yorkpond
Tue Dec 27, 2016 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Allocation Advice
Replies: 11
Views: 1616

Re: Fidelity Allocation Advice

Let's assume I decide I don't like fidelity after all, I am able to transfer their funds and hold them at Vanguard for example or would I need to sell? As this is a taxable account I am just trying to cover all my bases. Vanguard will take many mutual funds "in kind", so it doesn't cost y...
by yorkpond
Mon Dec 26, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Location Options
Replies: 3
Views: 319

Re: Help with Asset Location Options

Right now hard and fast rules don't help. As the the wiki article explains, generally bonds are better in tax-advantaged, but "low-yielding" bonds are better in taxable. And despite the recent runup in interest rates, treasury rates are still "low" by any historical standard. No...
by yorkpond
Mon Dec 26, 2016 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Help with Asset Location Options
Replies: 3
Views: 319

Help with Asset Location Options

My son is 39 years old. He has his portfolio with Fidelity Investments. He has a brokerage account holding total market stock fund and tons of cash to invest; and, a Roth IRA account with Fidelity TSM, TISM and Total Bond Fund. He needs to increase his bond allocation for risk. Asset location of Tot...
by yorkpond
Fri Dec 23, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Any benefit putting investments with two firms?
Replies: 9
Views: 800

Re: Any benefit putting investments with two firms?

There are benefits and drawbacks. I have gradually consolidated down to one firm (Vanguard). For nearly seven years I had accounts at both Vanguard and Fidelity. I decided ultimately that for me, the benefits of a single firm outweighed the drawbacks. It was almost a coin flip deciding which firm t...
by yorkpond
Wed Dec 14, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Any New 3% CD offerings other than Andrews FCU??
Replies: 7
Views: 1967

Re: Any New 3% CD offerings other than Andrews FCU??

kaneohe wrote:
yorkpond wrote:..................running until 12/31/17. .......................


Sorry, 12/31/16!!!

???
by yorkpond
Wed Dec 14, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Any New 3% CD offerings other than Andrews FCU??
Replies: 7
Views: 1967

Any New 3% CD offerings other than Andrews FCU??

Hi, took advantage of the 3% Andrews FCU CD special that is running until 12/31/17. Anyone know of any other deals out there?
Thanks for any help or advice. :happy
by yorkpond
Tue Dec 13, 2016 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 Medicare Pt B Premium Problem
Replies: 4
Views: 552

Re: 2017 Medicare Pt B Premium Problem

I believe the premium was raised by the amount of the COLA, meaning everyone's will be different in the hold harmless group Yes, my Medicare premium was raised the exact amount of the COLA ($7.00). My net monthly payment for '17 will be the same as '16. I thought by getting the 0.3 COLA, my check w...
by yorkpond
Tue Dec 13, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 Medicare Pt B Premium Problem
Replies: 4
Views: 552

2017 Medicare Pt B Premium Problem

Just got my 2017 New Benefit Statement from SS. The new monthly amount does reflect the 0.3% COLA for '17. However, the amount that is deducted for Medicare Pt B is $112.00. We know that the premium was raised from $104.90 to $109.00 for 2017. I expected an increase to $109/mo. I called SS today and...
by yorkpond
Sat Dec 10, 2016 2:54 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 199
Views: 26822

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

Hi All, I bought the Andrews CD on 12/9. Interest is paid quarterly. Does anyone know when the first interest payment will post if bought in December? Called customer service twice and they did not know. Thanks for any advice! :happy Should be 12/31. My Andrews IRA CDs have been posting interest at...
by yorkpond
Sat Dec 10, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 199
Views: 26822

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

Hi All,

I bought the Andrews CD on 12/9. Interest is paid quarterly. Does anyone know when the first interest payment will post if bought in December? Called customer service twice and they did not know.
Thanks for any advice! :happy
by yorkpond
Fri Dec 02, 2016 10:18 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 199
Views: 26822

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

Yes, we can get the 6mo,3% share certificate by calling Andrews. If you do it on-line, only the 3mo,3% is available. Call them and tell them you want the 6mo, 3% cd that was available when you opened the basic savings account. They did it for me. Good luck!!
by yorkpond
Fri Dec 02, 2016 9:56 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 199
Views: 26822

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

I can actually still see the 6-month special rate online, but not from within my Andrews account. Let me explain: No 6-month Special ⋅ Go to https://www.andrewsfcu.org ⋅ Enter your SmartConnect ID up top, and continue logging into your account ⋅ From inside your accoun...
by yorkpond
Fri Dec 02, 2016 9:08 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 199
Views: 26822

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 yorkpond
Wed Nov 30, 2016 8:15 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 199
Views: 26822

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 yorkpond
Wed Nov 30, 2016 10:50 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 199
Views: 26822

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 yorkpond
Tue Nov 22, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to keep over 250K cash in one savings acount?
Replies: 19
Views: 3040

Re: Okay to keep over 250K cash in one savings acount?

:happy EBSBdirect.com which is East Boston Savings Bank is offering 1.25% to open a money market account. Yes, $500,000 insured for a joint account. Just did it and an easy process.
by yorkpond
Sun Nov 20, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Medigap plan worth it, with our assets?
Replies: 30
Views: 3171

Re: Is a Medigap plan worth it, with our assets?

Can I get some advice on Medigap? I’ve been trying to figure out the answers to my questions with Google searches and seem to only find the Medicare website itself, whose info is reliable but doesn’t make answering my questions too easy, or websites that are thin and general for info, or turn out t...
by yorkpond
Fri Nov 18, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 477
Views: 53809

Re: Changes to Social Security

Hello, Just to be clear from posts today, it is not set in stone for the higher wager to wait until 70 to claim. Husband 66 in 6/17 Wife 63 in 11/16 When wife turns 66, she can claim spousal benefit for 4 years at the same time husband files for his benefit. He will be 68 and 5 months. Then wife fil...
by yorkpond
Tue Nov 15, 2016 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds suck
Replies: 46
Views: 6724

Re: Bonds suck

OK, I know this is a bit of an overstatement, but I'm just not impressed. I bought into a bond fund about a year ago, and to be honest, it looks like I should've just kept my money in a high-yield savings account. Now with the election, it looks like bonds have taken a total dump. What is the curre...
by yorkpond
Thu Oct 13, 2016 10:50 am
Forum: Investing - Theory, News & General
Topic: EBSB.com(East Boston Savings Bank) 1.25% Money Market
Replies: 12
Views: 855

Re: EBSB.com(East Boston Savings Bank) 1.25% Money Market

$8 monthly maintenance fee only applied if account balance falls below $2500. :happy Do you have a citation? Thanks! Nevermind. I must be blind! From the same agreement: "If you maintain a $2,500.00 minimum daily balance during the statement cycle, the $8.00 monthly maintenance fee will not be...
by yorkpond
Thu Oct 13, 2016 10:35 am
Forum: Investing - Theory, News & General
Topic: EBSB.com(East Boston Savings Bank) 1.25% Money Market
Replies: 12
Views: 855

Re: EBSB.com(East Boston Savings Bank) 1.25% Money Market

$8/mo. maintenance fee? Is this fee applied for small deposits or any account? I don't know. I was asking. This is in the "Agreements and Disclosures" https://www.ebsbdirect.com/uploads/documents/agreements-and-disclosures.pdf on sheet 5: FEES AND CHARGES. The following fees and charges m...
by yorkpond
Thu Oct 13, 2016 10:24 am
Forum: Investing - Theory, News & General
Topic: EBSB.com(East Boston Savings Bank) 1.25% Money Market
Replies: 12
Views: 855

Re: EBSB.com(East Boston Savings Bank) 1.25% Money Market

nominalBob wrote:$8/mo. maintenance fee?


Is this fee applied for small deposits or any account?
by yorkpond
Thu Oct 13, 2016 9:42 am
Forum: Investing - Theory, News & General
Topic: Retirees: Where are you going for income?
Replies: 102
Views: 15572

Re: Retirees: Where are you going for income?

Hello,

Where is a credit union CD for 2.6% for 5 years available? It was mentioned in this post. Thanks!
by yorkpond
Wed Oct 12, 2016 8:35 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Where are you going for income?
Replies: 102
Views: 15572

Re: Retirees: Where are you going for income?

No free lunches - you are taking some credit and duration risk - but I do like the iShares LQD ETF. No free lunch is right. LQD dropped more than 19% when the credit risk showed up between 9/12/2008 and 10/10/2008. I owned some before that, and bought more when it dropped (but not at it's lowest po...
by yorkpond
Wed Oct 12, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: taxable account - what to buy? part of my contingency fund
Replies: 13
Views: 1185

Re: taxable account - what to buy? part of my contingency fund

Redneck Bank. 1.25% APR for their megamoney account. Be aware that for the first 30 days, you can only put $1000 max a day in. The 1.25% is up to $35k. Note, their website is down today (10/12) for maintenance. On http://www.depositaccounts.com there is a MM at East Boston Savings Bank (EBSB) at 1....
by yorkpond
Wed Oct 12, 2016 10:20 am
Forum: Investing - Theory, News & General
Topic: EBSB.com(East Boston Savings Bank) 1.25% Money Market
Replies: 12
Views: 855

Re: EBSB.com(East Boston Savings Bank) 1.25% Money Market

Jack FFR1846 wrote:Thanks for the tip. I'm using Redneck Bank which is giving my wife fits (that can't be a real bank) for their 1.25% APR mega money account. EBSB is a real bank and in driving distance.....


East Boston Savings Bank has been in Boston since 1849! This although can be only opened on line.
by yorkpond
Wed Oct 12, 2016 10:13 am
Forum: Investing - Theory, News & General
Topic: EBSB.com(East Boston Savings Bank) 1.25% Money Market
Replies: 12
Views: 855

EBSB.com(East Boston Savings Bank) 1.25% Money Market

Hi All,

Read today on Depositaccounts. com that EBSB.com is offering 1.25% money market 3 savings account. Good from 10K to 2 Million. For emergency money it is not a bad deal.

I opened it today on-line. Check it out.
by yorkpond
Mon Oct 10, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendations for Medigap Plan G?
Replies: 14
Views: 1465

Re: Recommendations for Medigap Plan G?

I'm considering changing from the Plan F Medigap policy (USAA) I currently have to a Plan G Medigap policy. I keep reading that Plan G is more competitively priced and that Plan F premiums will probably increase greatly since it is being phased out in 2020. I'm interested in others' experience with...
by yorkpond
Tue Sep 27, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3507

Re: Where to spend January-March in Winter??

While in Tucson, take a short, bus tour to Rocky Point, Mexico, or go to San Diego for a west coast of Mexico cruise. Try a direct flight from the mainland to Kona on the Big Island of Hawaii to look at what to try the following year. Keep checking other places until you find somewhere worth stayin...
by yorkpond
Mon Sep 26, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3507

Re: Where to spend January-March in Winter??

For $4k a month budget you can live anywhere in the world. Why just the U.S? Family is just a short plane ride away from...let say....Costa Rica? It much safer than California and Florida too. Anyway, I would think Hawaii would be a no brainier....for me anyway. You are right, we have some great id...
by yorkpond
Mon Sep 26, 2016 9:24 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3507

Re: Where to spend January-March in Winter??

joebh wrote:
yorkpond wrote:We live in Maine and winters can be very harsh.


Do you live in York, Maine?


We sure do! :happy
by yorkpond
Mon Sep 26, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3507

Re: Where to spend January-March in Winter??

tennisplyr wrote:Spent the last 3 winters in Sarasota and had a ball. Lots of tennis, beaches and good weather. Of course, it depends on what you're looking for but you can definitely find a nice place for <$4000. PS, you better hustle it's getting late.


Thanks, we'll start looking in Sarasota tomorrow! :happy
by yorkpond
Mon Sep 26, 2016 9:21 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3507

Re: Where to spend January-March in Winter??

Toons wrote:Ditto On The Gulf Coast Of Florida :happy


Thanks so much, I'll take your advice and the others who suggested this :happy
by yorkpond
Mon Sep 26, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3507

Re: Where to spend January-March in Winter??

You live in Maine. Let me repeat that. You live in Maine. You want warm, yet you say there is nothing to do in Florida except beach and pool. In the whole state of Florida you cannot find anything to do that might suit you? Don't worry OP -- I choose ME over FL any day of the week too! Except for J...
by yorkpond
Mon Sep 26, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3507

Re: Where to spend January-March in Winter??

You live in Maine. Let me repeat that. You live in Maine. You want warm, yet you say there is nothing to do in Florida except beach and pool. In the whole state of Florida you cannot find anything to do that might suit you? We live in a big country with lots of things to see and do. We have the lux...
by yorkpond
Mon Sep 26, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Cosigning a new car lease for sister out of state
Replies: 71
Views: 4448

Re: Cosigning a new car lease for sister out of state

I've only read about 1/3 of the responses so far, so apologies if this has already been asked: does your sister really need a car at all? $21k would buy a LOT of Uber rides... Unfortunately, yes. She has a new grandson and seems to be his primary caretaker (another story entirely). So, transportati...
by yorkpond
Mon Sep 26, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3507

Re: Where to spend January-March in Winter??

Honolulu. Long way from Maine and maybe expensive but lots to do and great beaches. I don't think we'd like being so far from the grand kids. One of my sons has been twice and loved it. We were just thinking of planning a really nice two week tour overseas in the Spring. Newly retired with budgeted...
by yorkpond
Mon Sep 26, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3507

Re: Where to spend January-March in Winter??

What beach areas did you look at in San Diego? Did you try N county, Solana Beach or Carlsbad? We checked the temperatures in North County and they were about the same as Coronado Island. I loved the activities in and around San Diego but never was able to go to the beach. It was 66-68 every day, n...

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