Search found 1039 matches

by fsrph
Mon May 13, 2019 12:38 am
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 51
Views: 8587

Re: Neighbor wants to use our land temporarily - let them or not?

Assuming you trust them to fix any damage done I wouldn't give it a second thought. I've never met the neighbor. They are only there six years. This is getting more complicated. It seems the neighbor has been using the land without asking. The grass cutting service couldn't cut a portion of the lot...
by fsrph
Thu May 09, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Best practices - Car radio/CD player replacement
Replies: 13
Views: 778

Best practices - Car radio/CD player replacement

Have a 350Z. It's been a fun car but the CD player needs replacement. Does not play the CD and also will not eject the CD. It's a combo radio/CD player and needs to be replaced. I found online info on how to replace it but I think it's beyond my capabilities. Anyone replace this yourself? How hard w...
by fsrph
Tue Apr 30, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Fun-ish Used Boglehead Car
Replies: 86
Views: 5333

Re: Fun-ish Used Boglehead Car

Used Subaru WRX.
by fsrph
Mon Apr 01, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a stash of vacation days as unemployment "insurance"
Replies: 70
Views: 5020

Re: Keeping a stash of vacation days as unemployment "insurance"

Does your emoloyer definitely pay out accrued vacation days? Do these vacation days expire at years end or can you carry them over? I carry over vacation days from year to year and still have enough time off during the year. But I know my company allows this. I don't think your plan is bad just make...
by fsrph
Sat Mar 02, 2019 10:45 am
Forum: Investing - Theory, News & General
Topic: Would you invest in add-on CD's at these rates?
Replies: 1
Views: 308

Would you invest in add-on CD's at these rates?

I belong to Freedom Credit Union and they offer CD's with the unique feature of being able to add on to them anytime with any dollar amount. The minimum amount is $500 per CD. I think I'll buy a few of these, probably the 4 and 5 year, to create a space to add maturing CD's if rates don't rise signi...
by fsrph
Tue Feb 26, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6480

Re: $5000 water bill-Help!

I had a similar situation with excess water usage, except our bill was in the $2,500 range and the leak was outside, but on the "house" side of the meter. The first call to the water department simply resulted in someone coming out to check the meter, with a follow-up call to me saying "yep, the me...
by fsrph
Fri Feb 22, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiate with HR - possible ER opportunity
Replies: 3
Views: 632

Negotiate with HR - possible ER opportunity

Over the past 6-18 months I have been thinking about greatly reducing my hours at work or maybe retiring completely. I gave my boss hints about this a few times but not recently. I have been thinking about it again as spring is near and many outdoor activities are calling my name. I'm not thrilled w...
by fsrph
Tue Feb 19, 2019 6:52 pm
Forum: Personal Investments
Topic: “Won the Game” how do you know?
Replies: 96
Views: 8161

Re: “Won the Game” how do you know?

If you won the game as stated above, should that won money be put into safe place like a CD, bonds or a SPIA? Paul I also wonder that? Let’s say you hit your number, do you adjust allocation to protect the money or keep investing for the long term? I have these thoughts also. It's a personal decisi...
by fsrph
Wed Feb 13, 2019 5:10 pm
Forum: Personal Investments
Topic: CDs: 1 yr vs 3yr
Replies: 46
Views: 4851

Re: CDs: 1 yr vs 3yr

Decided I am going to put 100k in my local bank at 3% for 18 months. Yes its FIDC insured. No extra fee's Whatsover and .53 basis points over VMMXX currently right now which is 2.47. I'd like to do something with another 100k if I could get more than 3% and also protected. That still leaves me enou...
by fsrph
Tue Feb 12, 2019 12:00 pm
Forum: Personal Investments
Topic: CDs: 1 yr vs 3yr
Replies: 46
Views: 4851

Re: CDs: 1 yr vs 3yr

If your horizon extends out beyond these years, there's nothing wrong with laddering cd's to reinvest at higher yields on renewal. Most of my cd's are for 1yr, but I also have them staggered 2-5 years as well. I'm older, and am already heavily invested in the market. This is what I call, my self fu...
by fsrph
Sun Feb 10, 2019 11:54 pm
Forum: Personal Investments
Topic: CDs: 1 yr vs 3yr
Replies: 46
Views: 4851

Re: CDs: 1 yr vs 3yr

Which to buy? 1 year 2.7% 3 year 2.85% 5 year 3.10% I'm leaning toward 3 year in current climate (rates as likely to go down as up). Your thoughts? There's other options. If your willing to join NASA FCU they have great CD deals. 15 month, 3.2% 25 month, 3.25%. I opened a few 15 month CDs last week...
by fsrph
Sat Feb 09, 2019 8:16 pm
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 97
Views: 9237

Re: Ally Bank's nightmarish online reviews -- should I be worried?

I've never had problems with Ally. But I don't keep a lot of money there as their CDs have decent rates but are usually not rate leaders. Can find better CD rates elsewhere.

Francis
by fsrph
Sat Feb 09, 2019 1:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity as "tax advantaged space?"
Replies: 38
Views: 2600

Re: Vanguard Variable Annuity as "tax advantaged space?"

What about those of us who prefer over weighting fixed income and want to avoid the ACA and Investment tax credit cliffs? The the extra .27% paid for an insurance wrapper seems inconsequential when $1,000's over time can be saved in ACA costs.. I'm thinking of dumping $100k or so into the VG annuit...
by fsrph
Sat Feb 09, 2019 12:42 am
Forum: Investing - Theory, News & General
Topic: Navy Federal CU 6 month 3% CD vs NASA CU 15 mo 3.20% CD
Replies: 11
Views: 1528

Re: Navy Federal CU 6 month 3% CD vs NASA CU 15 mo 3.20% CD

I gave NASA some business on the 15 month CD. I think I'll add more money there today. I like the 15 month term and it's a great rate especially with Vanguards brokered CDs rates falling the last few weeks. Vanguards 5 year rate is 3.05%. I'm not member at Navy but I think a 6 month term is too shor...
by fsrph
Fri Feb 08, 2019 9:54 am
Forum: Personal Investments
Topic: CD investment decision
Replies: 55
Views: 4555

Re: CD investment decision

Question please. If you had 2M and could invest 1.5M in a 5yr CD at 3.7% would you do it? If not how much would you place in this CD if any? 2M is all you have. No debt and 40k annual living expenses. There is an option to auto transfer the dividends out of the CD into savings where I will withdraw...
by fsrph
Thu Feb 07, 2019 11:13 am
Forum: Personal Investments
Topic: CD investment decision
Replies: 55
Views: 4555

Re: CD investment decision

I hear you. You are very risk adverse and that's OK. With 2M and a 40K spend rate you can be ultra conservative with your investments. I'd say a 5 year, 3.7% CD is a good choice for your unique needs. For comparison, a 5 year brokered CD at Vanguard is 3.1%. What I would consider doing is: 1.25 M in...
by fsrph
Thu Feb 07, 2019 10:26 am
Forum: Personal Investments
Topic: CD investment decision
Replies: 55
Views: 4555

Re: CD investment decision

I think it's good advice to consider a CD ladder. Biut, right now I'd look for the component CDs for the ladder in credit unions. Sure, it's more work, having to join a few credit unions, but the rates for brokered CDs at Vanguard have fallen quite s bit recently. https://personal.vanguard.com/us/Fi...
by fsrph
Thu Feb 07, 2019 1:34 am
Forum: Personal Investments
Topic: CD investment decision
Replies: 55
Views: 4555

Re: CD investment decision

Well, a key is you have no risk tolerance. Where is the 2M now, in a lower rate CD or a MM account? If you truly want a riskless investment I think I'd consider 1.25M in the CD. This would cover your basic living expenses, not accounting for inflation. I'd keep the rest of the money available if rat...
by fsrph
Mon Feb 04, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: Auto Battery Prices
Replies: 40
Views: 3575

Re: Auto Battery Prices

Larry2623 wrote:
Sun Feb 03, 2019 5:14 pm
Just go to walmart...good prices and they do installations if you need it
I've also had good results with Walmart car batteries. Free installation too.

Francis
by fsrph
Thu Jan 31, 2019 8:27 am
Forum: Investing - Theory, News & General
Topic: What was your first Vanguard fund or ETF?
Replies: 72
Views: 4709

Re: What was your first Vanguard fund or ETF?

Star fund. Altho I probably had a Prime MM to transfer the money. So maybe Prime was first.

Francis
by fsrph
Sat Jan 26, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer (home): Do you leave it "On" or turn "off" after using?
Replies: 77
Views: 4679

Re: Desktop Computer (home): Do you leave it "On" or turn "off" after using?

I leave it on. But it goes into sleep mode after an hour or so and turns itself off in 24 hours.

Francis
by fsrph
Thu Jan 17, 2019 10:35 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50861

Re: John Bogle has died at age 89

Sad news. Mr. Bogle was a unique and generous man. He paved the way for low cost index funds for the masses at the expense of his personal wealth. Condolences to his family, friends and coworkers.

Francis
by fsrph
Wed Jan 16, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11679

Re: Are You Dumping Netflix?

I'll chime in and say I'm considering dropping Netflix. It's not about the current rate increase, I just don't use it much. They have tons of shows to choose from but not many that hold my interest. Will I miss not seeing a show or two? Sure. But overall I don't think I'll miss Netflix.

Francis
by fsrph
Wed Jan 16, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Which Type of Annuities Did You Choose and Why
Replies: 18
Views: 1136

Re: Which Type of Annuities Did You Choose and Why

I'm meeting with an annuity advisor tomorrow to discuss getting an annuity. I'm 66, my wife is 62, and I'm thinking about paying an upfront premium of $500,000 in exchange for a flow of monthly payments beginning at my age 70.... I would only look at IMMEDIATE annuities, not one with X years until ...
by fsrph
Wed Jan 16, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: 100k funds from closed ally cd needs a home.
Replies: 13
Views: 1481

Re: 100k funds from closed ally cd needs a home.

Did you get an email saying you were on track to receive a bonus based on your 100k? Just asking cause I got one back in November but haven't since? I received that email in November also. I thought they were to send a second email when you locked in the bonus? Haven't received the second email eit...
by fsrph
Wed Jan 16, 2019 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Which Type of Annuities Did You Choose and Why
Replies: 18
Views: 1136

Re: Which Type of Annuities Did You Choose and Why

If you are considering an immediate annuity plug your numbers in here https://www.immediateannuities.com/a/income-annuity-quotes-2.html?gclid=EAIaIQobChMIj5O8rtHx3wIVCYvICh2edQ0PEAAYAyAAEgKy7vD_BwE to see if your quotes are competitive. I wouldn't rush I into buying an annuity. They are complex prod...
by fsrph
Fri Jan 11, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6760

Re: USPS price increase on 1/27/19

As most of you know, the USPS has increased the cost of a first class letter by 10% effective January 27, 2019. While we use very few stamps, others may consider stocking up on forever stamps before postage goes from $0.50 to $0.55. While I suspect this is widely known, I haven't seen it discussed ...
by fsrph
Sat Dec 29, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154963

Re: What Movie Have You Recently Watched?

Saw "The Mule". Reviews were so so but I really liked it.

Francis
by fsrph
Fri Dec 28, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: Inova CU 4% 6 yr CD. Xmas gift or lump of coal?
Replies: 12
Views: 2083

Re: Inova CU 4% 6 yr CD. Xmas gift or lump of coal?

I applied online on 12/25/2018. INOVA asked for more information as if they are processing my application. I emailed all information. Just now they told me that there is NEW 6 year CD offering less than 4%. What a dishonest business operation? I declined. I was told the same thing. Was offered a 6 ...
by fsrph
Thu Dec 27, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: Inova CU 4% 6 yr CD. Xmas gift or lump of coal?
Replies: 12
Views: 2083

Re: Inova CU 4% 6 yr CD. Xmas gift or lump of coal?

I applied online on 12/25/2018. INOVA asked for more information as if they are processing my application. I emailed all information. Just now they told me that there is NEW 6 year CD offering less than 4%. What a dishonest business operation? I declined. I was told the same thing. Was offered a 6 ...
by fsrph
Wed Dec 26, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: Inova CU 4% 6 yr CD. Xmas gift or lump of coal?
Replies: 12
Views: 2083

Re: Inova CU 4% 6 yr CD. Xmas gift or lump of coal?

So if I understand this correctly, they listed those 5- and 6- year CD rates for ONE day??????? On my "Permanently ignore" list henceforth. As I understand it, the offer began on 12/21 but wasn't listed on Depositaccounts.com till 12/24. About one day after that it was pulled. Plus on Christmas Day...
by fsrph
Wed Dec 26, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Inova CU 4% 6 yr CD. Xmas gift or lump of coal?
Replies: 12
Views: 2083

Re: Inova CU 4% 6 yr CD. Xmas gift or lump of coal?

Was going to call them after work. No need to now as they pulled the 5 and 6 year CD's. Also no more gift cards. From https://www.depositaccounts.com/banks/inova-fcu/offers/ . UPDATE 12/26/2018: As of this morning, the 5-year CD (3.85% APY) and 6-year CD (4.00% APY) are no longer being offered. Acco...
by fsrph
Tue Dec 25, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: Inova CU 4% 6 yr CD. Xmas gift or lump of coal?
Replies: 12
Views: 2083

Re: Inova CU 4% 6 yr CD. Xmas gift or lump of coal?

https://www.depositaccounts.com/banks/inova-fcu/offers/ Have any of you invested with this CU? I see quite a few negative reviews which make me hesitate. But those PenFed 3% CDs that thrilled us years ago are coming due and the longer CD rates have been mostly retreating. If the Fed lets itself be ...
by fsrph
Wed Dec 19, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Timing CD Buys
Replies: 19
Views: 2183

Re: Timing CD Buys

I posted recently to see if there was a site that monitors the spread between CDs and Treasuries. I noticed that as Treasury yields have dropped recently, CDs have held level. I think they are probably a good buy right now but that spread would be the indicator to look at. Maybe this will help. Van...
by fsrph
Sat Dec 15, 2018 9:06 am
Forum: Personal Investments
Topic: options to cover next 10 years before SS
Replies: 49
Views: 4075

Re: options to cover next 10 years before SS

Why so concerned about an annuity and losing control over the funds, when all you need to earn is 3%/year to make this work? Currently CD rates make this a no brainer to build a CD ladder, do this the old fashioned way and retain control over your money. Split the money evenly in each of the CD's b...
by fsrph
Sat Dec 15, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 190
Views: 14739

Re: OBAMACARE RULED ILLEGAL BY TEXAS COURT

Supposedly, this issue will next go to a Circuit Appeal court then the Supreme Court. This was a court ruling not a change in current law yet.
Francis
by fsrph
Sat Dec 15, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 72
Views: 5798

Re: portable jump starters

Didn't read all the replies, but I bought a Bolt jump starter. It works great. Has a power source for charging cellphones and other electronics. Also had a compressor for adding air to tires. However you do need to keep it charged.https://www.amazon.com/Bolt-Power-D29-Motorcycle-18000mAh/dp/B01N3SEJ...
by fsrph
Fri Dec 14, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: New PenFed 2% Savings Account
Replies: 13
Views: 1477

Re: New PenFed 2% Savings Account

I don’t know if they are targeting this at those (of us) who have their 3% CDs from five years ago expire this month, but I already have a 2% savings account at Ally (and, as b4nash points out correctly, also use their 2.25% no penalty CDs). My Penfed CDs came due today. Money was in my Penfed savi...
by fsrph
Fri Dec 14, 2018 11:27 am
Forum: Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 39
Views: 3488

Re: My PenFed 5 yr CDs are maturing

I suspect the new 2% Premium Online Savings offering is an attempt to stem the hemorrhaging in taxable CD funds bailing due to the onerous EWD penalties now associated with their CDs. Not sure if it enough for me to keep any of the funds at PF. Our first two CDs have successfully been transferred o...
by fsrph
Fri Dec 14, 2018 11:23 am
Forum: Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 39
Views: 3488

Re: My PenFed 5 yr CDs are maturing

I have a considerable amount of money in 5 CD's all maturing on the same date in January in a tIRA fund with PenFed. I would like to transfer it all back to my IRA with Vanguard (initially into a prime MM fund) as quickly as possible after the maturity date. What would be the best procedure for get...
by fsrph
Fri Dec 14, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: New PenFed 2% Savings Account
Replies: 13
Views: 1477

Re: New PenFed 2% Savings Account

I don’t know if they are targeting this at those (of us) who have their 3% CDs from five years ago expire this month, but I already have a 2% savings account at Ally (and, as b4nash points out correctly, also use their 2.25% no penalty CDs). My Penfed CDs came due today. Money was in my Penfed savi...
by fsrph
Thu Dec 13, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: New PenFed 2% Savings Account
Replies: 13
Views: 1477

Re: New PenFed 2% Savings Account

Looks like max is 100k to earn 2%.

https://www.penfed.org/accounts/premium-online-savings

Francis
by fsrph
Thu Dec 13, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: New England travel ideas, summer 2019
Replies: 29
Views: 1414

Re: New England travel ideas, summer 2019

Dottie57 wrote:
Thu Dec 13, 2018 5:09 pm
Maine is gorgeous. It is the state which many Stephen King books are set. Some lovely beeches , both sandy and rocky.
I agree. It's probably too far for the OP to travel (Bar Harbor, Maine)l but Acadia National Park is spectacular.https://acadiamagic.com

Francis
by fsrph
Wed Dec 12, 2018 9:05 am
Forum: Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 39
Views: 3488

Re: My PenFed 5 yr CDs are maturing

jj wrote:
Tue Dec 11, 2018 10:33 pm
Prudence wrote:
Tue Dec 11, 2018 10:26 pm
I am thinking about rolling my maturing CD to a one year penfed CD at 2.8%.
That's what I think too. Though I'll take $20k out to move to I Bonds.
Hey, I did this also. Figure 2.8% is pretty good for a 1year CD.

Francis
by fsrph
Wed Dec 12, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Stock acquired - How much tax will I owe?
Replies: 15
Views: 6977

Re: Stock acquired - How much tax will I owe?

It looks like the question is discussed at page 195 of the merger proxy document . Possibly the resulting company will issue a more definitive statement after the merger is complete. +1. OP, relax. You will get plenty more info in the mail. To increment's point, the merger proxy (that increment kin...
by fsrph
Wed Dec 12, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Stock acquired - How much tax will I owe?
Replies: 15
Views: 6977

Re: Stock acquired - How much tax will I owe?

increment wrote:
Tue Dec 11, 2018 3:00 am
It looks like the question is discussed at page 195 of the merger proxy document. Possibly the resulting company will issue a more definitive statement after the merger is complete.
Thank you, that was very informative.
by fsrph
Tue Dec 11, 2018 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Stock acquired - How much tax will I owe?
Replies: 15
Views: 6977

Re: Stock acquired - How much tax will I owe?

Yes, both companies are publicly traded. It involves Cigna's acquisition of Express Scripts. The merger consideration will consist of $48.75 in cash and 0.2434 shares of stock of the combined company per Express Scripts share. I own Express Scripts stock. I acquired the stock originally when Merck s...
by fsrph
Mon Dec 10, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Stock acquired - How much tax will I owe?
Replies: 15
Views: 6977

Stock acquired - How much tax will I owe?

I own a stock that is being acquired for cash and stock in another company. Ive held this stock for years. Let's say my original cost basis in the stock is 25K. Say I would be receiving from the acquiring company 35K in cash + some shares in the new company. My question is how is the 35K handled for...
by fsrph
Fri Dec 07, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 47
Views: 3737

Re: Root Canal - dentist or endodontist

Although some general dentists may be able to do it, I'd choose an Endodontist every time.

Francis
by fsrph
Thu Dec 06, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 2083

Re: Should we sell farmland to coal company?

You need current appraisal of your land. The coal company may offer you 200% of the value of the land but they may have a lowball apprasial number. Until you get a firm dollar number from the coal company you don't know what they are offering. But if they truly are giving you double what the land is...