Search found 714 matches

by alpenglow
Tue Jan 22, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Buy Land, then build house... or Construction to Permanent?
Replies: 18
Views: 1401

Re: Buy Land, then build house... or Construction to Permanent?

I did this and bought 40 beautiful acres in VT. The land is still sitting there 10 years later. Ooops. Turns out that circumstances change (got married, had kids). I would suggest that you be really sure that you are going to build that house. The land I bought has not increased in value and it had ...
by alpenglow
Sun Jan 20, 2019 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Ny 457 plan: bond index fund or stable fund
Replies: 21
Views: 927

Re: Ny 457 plan: bond index fund or stable fund

With a crediting rate of only 2.35% on the stable value fund, I would prefer the Debt Index fund. Even Vanguard's Prime Money Market has a higher yield (about 2.5%). Agree with you on these numbers as of today, but SV has been at that rate for if I’m remembering correctly all of the past year, wher...
by alpenglow
Sun Jan 20, 2019 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Ny 457 plan: bond index fund or stable fund
Replies: 21
Views: 927

Re: Ny 457 plan: bond index fund or stable fund

With a crediting rate of only 2.35% on the stable value fund, I would prefer the Debt Index fund. Even Vanguard's Prime Money Market has a higher yield (about 2.5%).
by alpenglow
Fri Jan 18, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2033

Re: Curry Powder?

barnaclebob wrote:
Fri Jan 18, 2019 3:04 pm
Why not make your own curry powder or paste? The last curry recipe I made didn't have "curry powder" as an ingredient.
This. Why not experiment with blending your own?
by alpenglow
Fri Jan 18, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 2781

Re: What shelf liquor and your favorite cocktails?

bgf wrote:
Thu Jan 17, 2019 6:34 pm
Negroni
1 part Tanqueray
1 part Campari
1 part Cocchi Torino
orange peel garnish

you dont have to do it this way, but any other way is inferior.
Yum! :beer
by alpenglow
Wed Jan 16, 2019 7:27 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 44826

Re: John Bogle is dead at 89

This is sad news. I have nothing but the highest respect for John Bogle. RIP
by alpenglow
Fri Jan 11, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant hidden gems?
Replies: 25
Views: 1944

Re: NYC restaurant hidden gems?

Only the burger is draped in a rich, fatty layer of bone marrow, fried onions, crisp shallots, American cheese, and a tangy, spicy barbecue sauce made with mango, coffee, and jalapeño. -GQ
Honestly, it sounds delicious.
by alpenglow
Fri Jan 11, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant hidden gems?
Replies: 25
Views: 1944

Re: NYC restaurant hidden gems?

I usually go out to dinner in the west village. It might be on the long side of a 20 minute walk but here are some of my favorites: Red Farm - Chinese fusion - no reservations and a long wait but worth it. Lots of good bars to drink at in the area. Chumleys - best $30 burger in the city. Need a res...
by alpenglow
Fri Jan 11, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management Account - Investments
Replies: 15
Views: 1103

Re: Fidelity Cash Management Account - Investments

Fidelity has a pretty loose definition of settlement account, and will automatically sell SPRXX and maybe some other money market funds to cover debits in the CMA account at the end of the next trading day. When new money comes into the account, I manually buy SPRXX, and Fidelity sells it as needed...
by alpenglow
Fri Jan 11, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9766

Re: Disciplined with finances, but not so with diet

Intermittent Fasting - take a look at some of the Thomas Delauer videos on youtube as a start. Lots of research on it and benefits to general health. I would go with a 16 hour fast, 6 hour eating window to get started. For example - skip breakfast, time lunch so it's 6 hours before dinner and have ...
by alpenglow
Sat Jan 05, 2019 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: 7% guaranteed return fund in 403b
Replies: 23
Views: 2936

Re: 7% guaranteed return fund in 403b

As a teacher in NY, I have been investing in a "fixed rate" fund with guaranteed annual returns of 7% for the past few years. It's sort of like a super high yield savings account without the liquidity. Now before people say it's too good to be true, there's hidden fees, or it can change anytime, I ...
by alpenglow
Fri Jan 04, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6638

Re: USPS price increase on 1/27/19

Unfortunately, we still use quite a bit of stamps on the kids' birthday party invitations and thank yous. Christmas cards too. I'd sure love to phase those out.
by alpenglow
Fri Dec 28, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed 3% CDs maturing: Thank you Bogleheads
Replies: 22
Views: 3843

Re: PenFed 3% CDs maturing: Thank you Bogleheads

I don't like Penfed's withdrawal penalty so I'm going to move it to Vanguard and go with VWIUX...Vang.'s Intermediate Muni or a 5 year 3.5% brokered CD. VWIUX would yield more after taxes, but it has more risk. Maybe I'll do 50-50. I'm more interested in the return of my money that the return on my...
by alpenglow
Fri Dec 28, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: New House Construction: Licensed Inspection
Replies: 10
Views: 931

Re: New House Construction: Licensed Inspection

My Aunt recently bought new construction in NH and had it inspected before closing. The inspector found lots of problems, some of which were quite serious involving the electrical work. After her experience, I would highly recommend having a new home inspected.
by alpenglow
Fri Dec 28, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed 3% CDs maturing: Thank you Bogleheads
Replies: 22
Views: 3843

Re: PenFed 3% CDs maturing: Thank you Bogleheads

I don't like Penfed's withdrawal penalty so I'm going to move it to Vanguard and go with VWIUX...Vang.'s Intermediate Muni or a 5 year 3.5% brokered CD. VWIUX would yield more after taxes, but it has more risk. Maybe I'll do 50-50. I'm more interested in the return of my money that the return on my...
by alpenglow
Tue Dec 25, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed 3% CDs maturing: Thank you Bogleheads
Replies: 22
Views: 3843

Re: PenFed 3% CDs maturing: Thank you Bogleheads

I can also thank the forum for mentioning this rate, which ended up being a win compared with the Total Bond I would have likely put the money. Of course, it could have gone the other way. Whatever the case, I'll be buying shorter term brokered CDs (2 and 3 year terms).
by alpenglow
Mon Dec 24, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: Adrian's Rule Revisited
Replies: 24
Views: 4798

Re: Adrian's Rule Revisited

Bumping up a blast from the past.

It is always interesting to browse the post titles on the front page. How quickly we gone from "I'm 100% stock" to Taleb portfolios and max acceptable loss.
by alpenglow
Thu Dec 20, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 182
Views: 17071

Re: Mr. Money Mustache, SWR, and equity allocation

What I don't want to happen is to quit my job at age 40, throw everything into stock funds, draw 5% a year and assume I'll be okay. But isn't that essentially what MMM says? MMM is wrong. You would have been totally broke if you had done this right before the Great Depression, and you'd be close to...
by alpenglow
Thu Dec 20, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 182
Views: 17071

Re: Mr. Money Mustache, SWR, and equity allocation

Two years ago, a 30 year old at my workplace announced he was retiring. He held a lunchtime session where he mentioned MMM, 4% rule, and Roth conversions. That one lunch changed my life. I started reading MMM which led me to Bogleheads, blogs, and YouTube finance videos. I finally analyzed my inves...
by alpenglow
Tue Dec 18, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 182
Views: 17071

Re: Mr. Money Mustache, SWR, and equity allocation

There are lots of threads here about MMM. They generally get contentious and eventually locked. Search for them. Overall, I like a lot of what he has to say on frugality, self-reliance, and consumerism. I cannot, however, agree that a 4% withdrawal rate is safe and appropriate for all ages. That str...
by alpenglow
Fri Dec 14, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: New England travel ideas, summer 2019
Replies: 29
Views: 1374

Re: New England travel ideas, summer 2019

I love food and craft beer so Maine and Vermont have a lot going on for me. Acadia NP is wonderful. I've been there three times and I'd still like to go back again. If it is June you might beat some of the summer crowds. I find Bar Harbor obnoxious in the summer. Cape Cod was pretty boring for me, b...
by alpenglow
Thu Dec 13, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 160
Views: 10675

Re: 3% Interest on checking and savings account - Robinhood

Too good to be true? https://www.forbes.com/sites/jeffkauflin/2018/12/13/in-a-bold-asset-grab-robinhood-offers-3-interest-on-checking-and-savings-accounts/#7f86ba13341a "Robinhood’s checking and savings accounts have no account minimums, no monthly fees, no overdraft fees and no foreign transaction...
by alpenglow
Tue Dec 11, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 35
Views: 2758

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: 519

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: 2144

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: 188
Views: 21018

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: 3153

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: 3153

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: 3153

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: 3525

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: 2244

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: 1388

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: 1972

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: 15224

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: 619

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: 2491

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: 225
Views: 18475

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: 13687

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: 3569

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: 4647

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: 583

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: 1010

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: 4551

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: 4551

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: 4821

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: 2196

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: 3412

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...