Search found 218 matches

by nalor511
Mon Aug 13, 2018 5:38 am
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD
Replies: 7
Views: 1032

Re: Freedom Credit Union 30 Month 3.56%APY CD

Looks like 6 month early withdrawal penalty? Early Withdrawal Penalty. We may impose a penalty if you withdraw any of your principal before the maturity date. The amount of the penalty will not exceed dividends earned through the date of withdrawal. Amount of Penalty Term Penalty 6 months 90 days of...
by nalor511
Sat Aug 11, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: Achieva offers 4.2% 5 year IRA CD for $75k or >
Replies: 31
Views: 5053

Re: Achieva offers 4.2% 5 year IRA CD for $75k or >

I wonder why they don't allow this rate outside IRA (i.e. taxable account) Because it isn't a part of their business/marketing strategy. A better question might be how come a regional Credit Union can offer the highest rates on 5 year IRA CD's in the nation. I personally don't have any questions ab...
by nalor511
Sat Aug 11, 2018 12:41 am
Forum: Investing - Theory, News & General
Topic: Achieva offers 4.2% 5 year IRA CD for $75k or >
Replies: 31
Views: 5053

Re: Achieva offers 4.2% 5 year IRA CD for $75k or >

I wonder why they don't allow this rate outside IRA (i.e. taxable account)
by nalor511
Sat Aug 04, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Google Voice went Poof
Replies: 7
Views: 1221

Re: Google Voice went Poof

Unfortunately, your number is locked away in purgatory. Well, it *shouldn't* be locked away. E.g. https://support.t-mobile.com/thread/140321 Now, if you're locked out of Google, you may need to get customer support to do some of the steps for you. But legally they can't hold onto your number even i...
by nalor511
Sat Aug 04, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Anti-reflective coating on lenses for glasses
Replies: 9
Views: 701

Re: Anti-reflective coating on lenses for glasses

All the things you describe are normal and will lessen with more time wearing the glasses. You could always go somewhere like eyebuydirect.com (they have better warranties than zennioptical.com, glassesshop.com, or goggles4u.com) and get a clear (without AR) pair for around $10 shipped, that you can...
by nalor511
Sat Aug 04, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Google Voice went Poof
Replies: 7
Views: 1221

Re: Google Voice went Poof

Wow, that's really scary. You should still be able to port your GV number out to some other service, like Line, or at least to a prepaid cell phone, so that you can keep using the same number. They can stop serving you, but they can't take away your legal right to take your number with you
by nalor511
Sat Aug 04, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Anti-reflective coating on lenses for glasses
Replies: 9
Views: 701

Re: Anti-reflective coating on lenses for glasses

It's normal, but the difference should be ever so slight, and if you've had lenses without AR in the past, you should really appreciate the lack of reflections :)
by nalor511
Thu Aug 02, 2018 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Bottom of the MAGI bucket - Interest vs dividends
Replies: 10
Views: 685

Re: Bottom of the MAGI bucket - Interest vs dividends

Salary, bank interest, then dividends at the bottom up
by nalor511
Wed Jul 25, 2018 6:21 am
Forum: Personal Finance (Not Investing)
Topic: HSA HDHP coverage question
Replies: 18
Views: 1158

Re: HSA HDHP coverage question

TwstdSista wrote:
Tue Jul 24, 2018 2:36 pm
I think it's possible -- I have an HMO HSA policy as well. And so far this year I've had a free eye exam, free physical and a $50 colonoscopy.
Free eye exam, how? Mine doesn't have that. Doesn't seem to be on the required list https://www.healthcare.gov/preventive-care-adults/
by nalor511
Mon Jul 16, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10101

Re: Amazon Prime Day 2018

Pretty garbage Prime day this year, IMO, unless you want Amazon tablets
by nalor511
Sun Jul 15, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: 3% APY 14 month CD (New England States Only)
Replies: 6
Views: 960

Re: 3% APY 14 month CD (New England States Only)

Available only to residents of MA, RI, CT, NH, VT, ME.

I guess it's one of those, if you have to ask, it's not you, situations ☺️
by nalor511
Sat Jul 14, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: CIT Bank Current 1-YR CD Rate 2.5%
Replies: 15
Views: 3138

Re: CIT Bank Current 1-YR CD Rate 2.5%

I actually like the 2-factor security. It's required on transactions above a certain dollar amount. It's a pretty easy way to make it more secure, IMO. They do hold funds for a few days, but it's never been a problem for us as we use the account. They've held funds way longer than other banks, for ...
by nalor511
Fri Jul 13, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: CIT Bank offering 1 yr CD with 2.50% APY
Replies: 3
Views: 702

Re: CIT Bank offering 1 yr CD with 2.50% APY

Andrews has 9mo 2.75% . CIT holds all pulled funds for 7+days.

https://slickdeals.net/f/11773155-andre ... cd-special
by nalor511
Sun Jul 08, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: CIT Bank Current 1-YR CD Rate 2.5%
Replies: 15
Views: 3138

Re: CIT Bank Current 1-YR CD Rate 2.5%

I have used CIT for several years with no problems. Their rates have been moving up slowly, along with many others, I'm sure. They don't have the best rates. Don't do the transfers from the CIT end, because they hold funds for 7 days. They require a 2-factor code for every single interaction with t...
by nalor511
Tue Jun 19, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3060

Re: Northern Bank Direct MM - 2.26% APY

indexfundfan wrote:
Tue Jun 19, 2018 9:57 pm
Interestingly, NBD is stopping the promotional rate of 2.26% for new accounts starting from 9am on Wed 6/20. Just saw this on their homepage.
Yikes. Funky process, ACH fees, closing fees, doesn't seem like a great bank.
by nalor511
Tue May 29, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Any Mini Cooper owners care to comment on the reliability of the 2014 and up model year?
Replies: 4
Views: 647

Re: Any Mini Cooper owner car to comment on the reliability of the 2014 and up model year?

I haven't owned one, but I've driven rented ones lots, most of the models and most of the years (and often the same car over and over). They're heavy and solid on the road, and they seem to be built to BMW's tight tolerances, I expect that smallish things will go wrong fairly frequently (as they do ...
by nalor511
Sun Apr 29, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: CIT 1.55% Premier High Yield vs 1.75 % Money market
Replies: 17
Views: 2613

Re: CIT 1.55% Premier High Yield vs 1.75 % Money market

Changing the product name let's them save money by keeping rates lower for customers that don't pay attention. Sounds like typical bank policy to me. I don't know why you guys are expecting any different. Open the new account and transfer funds. If they don't raise your rate to what you want and you...
by nalor511
Mon Apr 02, 2018 12:55 am
Forum: Personal Consumer Issues
Topic: New laptop purchase decision
Replies: 36
Views: 3215

Re: New laptop purchase decision

I like refurbished Dell Latitude 7000 models from the outlet with come with the 3yr warranty standard, then if you use a Citi card (e.g. Citi Double Cash MC) you'll get another 2 years on top of that (5yr warranty for free). Under $700, or about $750 if you want a couple upgrades built in. http://ou...
by nalor511
Sun Apr 01, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Reservations???
Replies: 23
Views: 3602

Re: Online Savings Account Reservations???

CIT has 1.75% on the money market and 1.85% on the no penalty CD, so if you're in the 1.5% Savings you might want to move it over to the new account types
by nalor511
Sat Mar 31, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: 18 mo. CD 2.53%
Replies: 4
Views: 1534

Re: 18 mo. CD 2.53%

BusterMcTaco wrote:
Sat Mar 31, 2018 3:54 pm
Looks like 360 day penalty to me, FWIW.

Also, it's callable.
You're totally right, my reading comprehension has failed me.
by nalor511
Sat Mar 31, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: 18 mo. CD 2.53%
Replies: 4
Views: 1534

Re: 18 mo. CD 2.53%

12mo early withdrawal penalty on the 18mo CD. And as Buster pointed out below, it's callable by the CU Fee schedule https://cdn2.hubspot.net/hubfs/616968/17-0186-OPS%20Fee%20Schedule%20Updates%20-%20July.pdf?t=1522442334485 Rates https://www.usalliance.org/about-us/rates/savings-rates#certificate-ac...
by nalor511
Fri Mar 30, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: CIT Bank money market acct + no penalty CD
Replies: 2
Views: 550

Re: CIT Bank money market acct + no penalty CD

I just checked Ally and see a 2% 12-month CD..60 days EWP. The EWP is minor, so that's what I'd personally go with over the 11-month 1.85 at CIT.. If you take the 2% CD out early, your best case interest rate is 1.67% (probably less), so if you have a reasonable likelihood of wanting the money earl...
by nalor511
Tue Mar 27, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 261
Views: 38422

Re: New HSA provider Lively offers investments for $30/yr fee

Stupid question to those of you with accounts, is the $30/y charged by Lively or TDA? Thanks in advance
by nalor511
Fri Mar 23, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 5928

Re: Amazon Prime Going Sideways/Weird Shipment Problems

My last 3 shipments have missed by 1 business day, 3 business days, and the last one the tracking actually never updated (ever) and they had to re-ship. Don't get me started on 'no-rush' - it used to be that if you chose no-rush, your item would still arrive within about a week. It's been taking at ...
by nalor511
Tue Mar 20, 2018 4:41 am
Forum: Investing - Help with Personal Investments
Topic: $250k Vanguard/Schwab/Fideliy
Replies: 7
Views: 1229

Re: $250k Vanguard/Schwab/Fideliy

radiowave wrote:
Mon Mar 19, 2018 10:59 pm
If you also want good cash management Fidelity would be a good choice as well as Schwab. If you just want to buy and hold is taxable brokerage account, any of the 3 are fine.
What aspect of managing cash is helpful at Fidelity? Just wondering
by nalor511
Mon Mar 19, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: The Single Greatest Predictor of Future Stock Market Returns
Replies: 40
Views: 10372

Re: The Single Greatest Predictor of Future Stock Market Returns

Is there a link/ticker to easily track this metric? (Average stock allocation)
by nalor511
Fri Mar 16, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

Highly recommend using the Co-op shared branching, was able to get a funds transfer done instantly (handled as a debit from CU1, and a credit to CU2)
by nalor511
Thu Mar 15, 2018 1:47 am
Forum: Personal Finance (Not Investing)
Topic: ACA Repayment Question: H&R Block
Replies: 3
Views: 431

Re: ACA Repayment Question: H&R Block

Are you using their online version? My understanding is that you need their desktop version in order to do the shared policy allocation. That would explain why I can't find it ...... :( Thanks, I'll check the desktop version. Desktop has you fill out the form directly. So basically you do one form ...
by nalor511
Wed Mar 14, 2018 11:42 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

Happy new Sharonview FCU customer here :D . Last week I opened an account online, I was able to login to online banking within a day or so. I added them as an external account to my existing CapitalOne 360 account, in order to verify the account CapitalOne posted two trial deposits which showed up ...
by nalor511
Tue Mar 13, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

I know, it's hard to be patient...their website had tech difficulties all afternoon, and I was trying to access my account. Frustrating. But they're all so professional, helpful, and kind, so in the end, I think it'll be worth the effort and the wait. I'd be happy enough if they sent me an email sa...
by nalor511
Tue Mar 13, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

Mine still in limbo. I've got to break another CD and pay an ewp to fund this, not loving their speed, communication, and support hours so far. I know they're busy.
by nalor511
Mon Mar 12, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

Out of our two apps, one is approved and one is still pending from Fri. Neither has a CD open yet. Took about 5 minutes for someone to pick up the phone. I still have hope this will get done in the next few days.
by nalor511
Sun Mar 11, 2018 2:44 am
Forum: Personal Finance (Not Investing)
Topic: How does health insurance/Medicaid work for self-employed?
Replies: 5
Views: 679

Re: How does health insurance/Medicaid work for self-employed?

Yes, I think so, but you have to earn less than $13,500/year to qualify. Also, they ask about savings. I went from earning money to a long period of unemployment. It was at the end of this period that I needed Medi-Cal. That said, I would never want to tap Medi-Cal for anything other than emergency...
by nalor511
Fri Mar 09, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Freezing credit reports and opening CDs
Replies: 22
Views: 2004

Re: Freezing credit reports and opening CDs

mbres60 wrote:
Fri Mar 09, 2018 5:34 pm
I may be naive but why would opening a CD require a credit check?
Usually if you are joining a new bank or CU they do a credit check, sometimes soft, sometimes hard
by nalor511
Fri Mar 09, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

Hopefully they'll honor the rate next week for those of us who opened up a savings account with intent to open a CD once the funds clear. That is exactly what they are saying. If you have gotten an account setup, you'll be able to get the CD. I was able to transfer 50k to the 4% CD from my local CU...
by nalor511
Fri Mar 09, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

I just spoke with a Sharonview rep who told me the same thing....today is the last day, It may already be too late to get started, but if you are interested, jump on it. That sucks. They're not answering the 800 number right now. I got in an application yesterday, but there's no way to put the CD o...
by nalor511
Fri Mar 09, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

jkelly wrote:
Fri Mar 09, 2018 3:44 pm
Better hurry, I was told the special is ending today at 5:00.

Jeff
Details?
by nalor511
Thu Mar 08, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

I'm in the process of setting up my CD. I went through the process of becoming a member and opening a $5 savings account online. Keep in mind that this requires a hard pull on your credit report (TransUnion for me). The CD process can only be done on the phone. I'm not sure if you could become a me...
by nalor511
Wed Mar 07, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

Perhaps of interest - thought it worth a mention. On depositaccounts discussion that the CU may accept membership in the American Consumer Council - I joined to purchase a CD at another CU week or so ago and it was $8. Couple others weren't sure if you had to separately join the Carolina Consumer C...
by nalor511
Wed Mar 07, 2018 5:27 am
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

amindu wrote:
Tue Mar 06, 2018 3:48 pm
Opened and funded with no issues. Easy process and i am not in any of those states where the CU is located.
That's great. Anyone else? Any word on how long it will be available?
by nalor511
Sat Mar 03, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

This is tempting, but I have all my money in a lot of silly places now. Ally, Capital One 360, Andrews FCU, Treasury Direct, and others. Last year I jumped on the Andrews FCU 3% 7-year CD because the rate was astronomical at the time. Now it has 6 years left, and here's a 5.3 year CD that makes 4%....
by nalor511
Sat Mar 03, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

Are you going to do one Kevin?
by nalor511
Fri Mar 02, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 13102

Re: Sharonview FCU 64 month CD - 4%

4% rate with $20 join fee (to become eligible) seems like a good deal. 365 day penalty seems high though, making this a bit risky if their customer service isn't great. They do show up on NCUA search http://mapping.ncua.gov/SingleResult.as ... IsCorpCU=0
by nalor511
Thu Mar 01, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 4948

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

32gb is more than enough for me. Got mine last Thxgvg during my first ever black friday sale with friends. Used their Costco card to get the phone for $159. Not only that, store was virtually empty. Difference between this phone and my 1st Gen Moto is night and day. Can't believe I waited so long. ...