Search found 690 matches

by alpenglow
Tue Dec 11, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 8
Views: 740

Re: My PenFed 5 yr CDs are maturing

I'm consolidating accounts at Fidelity and going with brokered CDs.
by alpenglow
Mon Dec 10, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: USLT Ultrashort Term Bond
Replies: 6
Views: 481

Re: USLT Ultrashort Term Bond

Vanguard Money Market VMMXX is currently yielding 2.33%.
by alpenglow
Tue Dec 04, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Do I need to pay for a clean title to sell my car privately?
Replies: 28
Views: 2066

Re: Do I need to pay for a clean title to sell my car privately?

Any time I've privately sold a car in NY or traded in to a dealer, a title with a lean release letter has been fine.
by alpenglow
Sun Dec 02, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 153
Views: 16113

Re: Best values at Costco? Honestly, a little disappointed...

We buy the Japanese Green Tea by Ito En, avocado oil, fish oil, and lots of other random stuff.
by alpenglow
Sun Dec 02, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Penfed raises certificate rates 12/1/18
Replies: 25
Views: 3011

Re: Penfed raises certificate rates 12/1/18

2 year brokered CDs are yielding over 3% at this point. It will be much simpler to have all of my wife's accounts back at the same custodian.
by alpenglow
Sun Dec 02, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Penfed raises certificate rates 12/1/18
Replies: 25
Views: 3011

Re: Penfed raises certificate rates 12/1/18

I'm just having Fidelity pull the money (it's an IRA). I'm actually completing the form right now.

PenFed also has a form to push the money if you'd like to go that route.
by alpenglow
Sun Dec 02, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: Penfed raises certificate rates 12/1/18
Replies: 25
Views: 3011

Re: Penfed raises certificate rates 12/1/18

I was hoping for better rates. I imagine a lot of money will be flowing out of PenFed this Dec and Jan.
by alpenglow
Fri Nov 30, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott Starwood Security breach - 500 million guests
Replies: 26
Views: 3423

Re: Marriott Starwood Security breach - 500 million guests

TravelGeek wrote:
Fri Nov 30, 2018 1:12 pm
Sigh. This will continue until it becomes more costly for businesses to deal with breaches than to implement proper security mechanisms.
Sad, but true.
by alpenglow
Fri Nov 30, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is Wells Fargo doing a bait and switch with mortgage rate?
Replies: 24
Views: 2160

Re: Is Wells Fargo doing a bait and switch with mortgage rate?

My first mortgage with WF went great. The second time around, they completely botched the refinance paperwork at closing. Then, they kept auto-pulling for the closed out mortgage not once, but twice. It took months of arguing to get my money refunded.
by alpenglow
Thu Nov 22, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Need A Chromebook Recommendation
Replies: 16
Views: 1345

Re: Need A Chromebook Recommendation

Best Buy is running a nice Black Friday deal, available online now.

https://www.bestbuy.com/site/samsung-11 ... Id=6239912
by alpenglow
Wed Nov 21, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: predatory lending
Replies: 11
Views: 1957

Re: predatory lending

Thanks for sharing the link. Brutal read though.
by alpenglow
Wed Nov 21, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15025

Re: Black Friday 2018

A new Chromebook since my son spilled a glass of water on mine. It looks like Best Buy will have them for $99. $129 for the model with more memory/storage.
by alpenglow
Wed Nov 21, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: Happy Holidays from the Sequoia Fund
Replies: 3
Views: 600

Re: Happy Holidays from the Sequoia Fund

If that's your sort of fund, hopefully it's in a tax-deferred/roth account. I learned my lesson there with a Janus fund during the last tech boom. All passive for me now.
by alpenglow
Tue Nov 20, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Good oil for cooking and salad?
Replies: 38
Views: 2460

Re: Good oil for cooking and salad?

I like avocado oil for high temperature cooking. I'll also use ghee at high heat if I want that particular flavor.

EVOO for salad dressings and low temperature use. I prefer California EVOO given the many reports of adulteration in imported olive oil.
by alpenglow
Mon Nov 19, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17140

Re: Vanguard lowering Admiral level to $3,000?

The million dollar question - will the LifeStrategy and Target Retirement funds use the Admiral shares now? Great question. If investor shares are gone, it would make sense that Lifestrategy/TR funds would use Admiral shares. Fingers crossed. Edit: I guess I should read the whole thread first!!! Th...
by alpenglow
Thu Nov 08, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: A reminder: Stay away from AQR
Replies: 172
Views: 13398

Re: A reminder: Stay away from AQR

Theres a bloomberg article today about AQR terrible performance Some takeaways: > Their funds suck, and they blame it on investors for not wanting to stay in a money losing proposition. This is a little harsh. Nonetheless, AQR has been a money making machine for its principals. I drank the AQR Kool...
by alpenglow
Fri Nov 02, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Rewards - Do you move the cash out of Fido?
Replies: 47
Views: 3505

Re: Fidelity Visa Rewards - Do you move the cash out of Fido?

I just transfer it out to my checking account.
by alpenglow
Fri Nov 02, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent owners out there?
Replies: 33
Views: 4399

Re: Subaru Ascent owners out there?

Just an update - after additional negotiation, Subaru has agreed to rebuild the engine under warranty. I'll still be trading it for a Toyota.
by alpenglow
Fri Nov 02, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2018)
Replies: 4
Views: 566

Re: madsinger monthly report (October 2018)

Thanks Brad, as always, for your informative updates.
by alpenglow
Thu Nov 01, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Best and reasonably priced moving companies for cross country move
Replies: 17
Views: 994

Re: Best and reasonably priced moving companies for cross country move

My Aunt recently spent a small fortune moving from the Great Plains to NH. I don't have an exact number but I would have just sold all of my stuff and bought new furniture. From what I estimated, she would have saved money or broken even, but with new furniture of similar or better quality. When I m...
by alpenglow
Thu Nov 01, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4433

Re: 45% increase in marketplace insurance

LOL at whomever upthread said $35k a year in premiums and deductible is a "pretty good deal" It's ruinous. This is exactly why I'll never retire early, even with enough money otherwise. Healthcare costs could quickly become ruinous. Funny thing is the ACA was the reason one of our employees was abl...
by alpenglow
Thu Nov 01, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4433

Re: 45% increase in marketplace insurance

8foot7 wrote:
Thu Nov 01, 2018 3:09 pm
LOL at whomever upthread said $35k a year in premiums and deductible is a "pretty good deal"
It's ruinous.
This is exactly why I'll never retire early, even with enough money otherwise. Healthcare costs could quickly become ruinous.
by alpenglow
Thu Nov 01, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4742

Re: Think I have found my new commuter car - 2019 Honda Insight

I've been eyeing the Insight as well. My Prius still has several years of life left, but I'm tired of other cars on the road "bullying" me because I drive a Prius. I read about this before I got the car and chalked it up to an exaggeration by those obnoxious hyper-milers who impede traffic (and who...
by alpenglow
Wed Oct 31, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership
Replies: 29
Views: 2058

Re: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership

In May I was car shopping and decided to look at a Subaru Outback. The dealer's website offered a $50 VISA gift car for a test drive, and since I was going there anyway I signed up. I gave the paperwork to the salesman and followed up twice with the dealer. but I never received that gift car. While...
by alpenglow
Wed Oct 31, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3318

Re: USPS - Informed delivery - complain on missing items?

Has anything ever come of it? I clicked the report missing mail link once but never got any follow-up. No, never heard back. I think it even says on the complaint page to not expect a reply. I had a loved one buy one of those $50 prepaid cards with a $3.95 fee :oops: and mail it to me. Showed up on...
by alpenglow
Wed Oct 31, 2018 6:47 am
Forum: Investing - Theory, News & General
Topic: Limting Human Bias - 3 Fund VS Vanguard Target Life Strategy
Replies: 30
Views: 2253

Re: Limting Human Bias - 3 Fund VS Vanguard Target Life Strategy

willthrill81 wrote:
Tue Oct 30, 2018 10:36 pm
A good argument could be made for an investor to be in Vanguard's LifeStrategy Moderate Growth fund for their entire life. Literally.
+1
This is solid advice.
by alpenglow
Wed Oct 31, 2018 5:10 am
Forum: Personal Consumer Issues
Topic: Subaru Ascent owners out there?
Replies: 33
Views: 4399

Re: Subaru Ascent owners out there?

Frankly, it speaks to the reliability of the brand and how they won't honor their warranties, which I would find to be useful information regardless of model. It's not like I was ranting about a Toyota. No it doesn’t. You have one example, it could be a part of a trend or it could be a complete out...
by alpenglow
Tue Oct 30, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3318

Re: USPS - Informed delivery - complain on missing items?

TravelGeek wrote:
Tue Oct 30, 2018 6:55 pm
Yes, I file a missing item report if something doesn’t show up.
Has anything ever come of it? I clicked the report missing mail link once but never got any follow-up.
by alpenglow
Tue Oct 30, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3318

Re: USPS - Informed delivery - complain on missing items?

I've found that most items show up within a day or two. As others have mentioned, perhaps check with your neighbors. I am frequently delivering mail and hope my neighbors have the courtesy to do the same. Sometimes I wonder how much misdirected mail just gets trashed.
by alpenglow
Tue Oct 30, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent owners out there?
Replies: 33
Views: 4399

Re: Subaru Ascent owners out there?

Frankly, it speaks to the reliability of the brand and how they won't honor their warranties, which I would find to be useful information regardless of model. It's not like I was ranting about a Toyota.
by alpenglow
Tue Oct 30, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Subaru Ascent owners out there?
Replies: 33
Views: 4399

Re: Subaru Ascent owners out there?

As I have shared in a number of threads recently, my Subaru ownership is turning into a disaster. My engine blew in a 2013 Forester at 72k miles. This car has been affected by the oil consumption issue and constantly "ate" oil, though the dealer claimed it was within specs. To see if I qualify for t...
by alpenglow
Tue Oct 30, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Highlander or Murano 2018 ..
Replies: 36
Views: 2380

Re: Highlander or Murano 2018 ..

UpperNwGuy wrote:
Mon Oct 29, 2018 6:09 pm
If you're a Boglehead, I'm surprised you aren't looking at a Subaru.
The Subaru Forester I have is a piece of junk. Engine blown at 72k with proper maintenance.

How about the Hyundai Santa Fe? Anyone with experiences there?
by alpenglow
Mon Oct 29, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4764

Re: Vehicle recommendations for long commutes in CO mountains

Toyotas are bulletproof. I'd go with a RAV-4 or Highlander. Our family has always had great luck with Toyotas. We spend a lot of time on backroads in Vermont and noticed how well Subarus performed so we got one. What a mistake. We always changed our oil and the engine blew after only 72000 miles. W...
by alpenglow
Mon Oct 29, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Sell land at a loss or keep?
Replies: 38
Views: 2929

Re: Sell land at a loss or keep?

Add me to the chorus of "sell it." If you're not going to use it, sell it and move on.
by alpenglow
Sat Oct 27, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-market trading with Merrill Edge. Newbie mistake :(
Replies: 15
Views: 1504

Re: Pre-market trading with Merrill Edge. Newbie mistake :(

I was a professional stock trader for four years and almost never traded outside of market hours. The liquidity is terrible and the spreads are usually very wide (these go hand-in-hand). On rare occasions I would start to pick off some shares a few minutes before the open if I felt they were mis-pri...
by alpenglow
Fri Oct 26, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: "Donating" unused family burial "spots"
Replies: 21
Views: 1757

Re: "Donating" unused family burial "spots"

whodidntante wrote:
Thu Oct 25, 2018 9:34 pm
I would fill it in with concrete to make sure no one buried me next to my in laws.
:twisted: Thanks for a good laugh. I'm right there with you.
by alpenglow
Fri Oct 26, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25877

Re: PSA: Don't buy a big house

A 7100 SF house on 20+ acres? Holy cow!! How many housekeepers and gardeners do you have? Many of those acres are protected wetlands, so we are not allowed to alter anything. It's there for the frogs (apparently a rare species lives there), coyotes, turkeys, hawks, owls, etc. I would love to have l...
by alpenglow
Thu Oct 25, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: AXA 403b
Replies: 4
Views: 206

Re: AXA 403b

I don't believe that a leave of absence is considered separation from service. This means that you won't be able to rollover to an IRA. You can likely do a contract exchange, however, to another 403b provider, if there are any better quality options available to you. FYI, plan rules can vary so this...
by alpenglow
Thu Oct 25, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Got charged 3 brokerage fees for one sell transaction is that normal ?
Replies: 17
Views: 1432

Re: Got charged 3 brokerage fees for one sell transaction is that normal ?

I think I just threw up a little.

I know EJ are thieves, but that goes way beyond what I'd expect.
by alpenglow
Thu Oct 25, 2018 6:38 am
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 92
Views: 13617

Re: For those waiting for a 'correction' ...

I'm not waiting for a correction exactly, at least in terms of having money in cash on the side. However, I'd be inclined to over re-balance if VIX got into the mid to high 40s.
by alpenglow
Wed Oct 24, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25877

Re: PSA: Don't buy a big house

Does anyone actually like 8 foot ceilings? I feel like I'm in a dungeon in those houses. I certainly don't mind my 8 foot ceilings and there are even beams that come down to maybe 7'6" My house is fairly unique though and you are never more than a few steps away from a window and the house has a lo...
by alpenglow
Wed Oct 24, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25877

Re: PSA: Don't buy a big house

Add me to the list of haters. My wife and I were looking for a smaller, more cozy home but we ended up with McMansion-light (2700sq ft) instead. It was by far the best deal of all the homes we looked at and the acre of wooded, private land was the most important to us. Over time, we have come to hat...
by alpenglow
Mon Oct 22, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5224

Re: What to do with >$1000 in Amazon credits?

If have a use for them, buy third party gift cards. They sell Whole Foods, Uber, and Airbnb gift cards among others. Your Amazon balance can be used to purchase these. Be careful, make sure to use the physical gift cards within the first 30 days. Sitting on gift cards is a recipe for them to someho...
by alpenglow
Tue Oct 16, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: 5 Year CD Coming Due
Replies: 8
Views: 1317

Re: 5 Year CD Coming Due

You could shorten your term and probably get a 2yr CD yielding over 3% on the secondary market.
by alpenglow
Mon Oct 15, 2018 6:42 am
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2470

Re: How do you buy a mattress ?

Ordered Tuft and Needle. It comes compressed in a box. We like that it sleeps cool and it's firm but not too firm. We now have three of them in the house.
by alpenglow
Fri Oct 12, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: NY Essential Plan (Health Care) & Child Health Plus (CHIP)
Replies: 1
Views: 127

NY Essential Plan (Health Care) & Child Health Plus (CHIP)

Some of my relatives are considering the use of the NY Essential Plan and Child Health Plus. Does anyone here have any experiences with one or both of these plans? Thank you.
by alpenglow
Wed Oct 10, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1101

Re: Hiking NH White Mountains. Taking one lens.

I remember a long, wet slog up Mt. Layfayette the last time I was there. At least once I got out to the Bonds it was amazing. I hope you have some nice weather! :beer
by alpenglow
Wed Oct 03, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: NYSDCP Suggestions?
Replies: 2
Views: 206

Re: NYSDCP Suggestions?

The NYSDCP Stable Value fund was ok for a while, but has really been lagging on yield as rates have risen. The Equity Index and the Russel 2500 Index are the best deals here. Of course, your selection will really depend on the overall picture of the your portfolio.
by alpenglow
Mon Oct 01, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3363

Re: New Apartment, city noise

There was a train track behind my house when I was little. My parents said it annoyed them the first month they were there and the last month before they moved 7 or so years later. I'd give it some time.