Search found 646 matches

by alpenglow
Tue Oct 16, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: 5 Year CD Coming Due
Replies: 4
Views: 478

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: 2142

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: 94

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: 1036

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: 186

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: 3251

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.
by alpenglow
Thu Sep 27, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Framing concerns for new construction/custom build
Replies: 16
Views: 1637

Re: Framing concerns for new construction/custom build

Reading stuff like this makes me lean even more towards a quality modular for my next house.
by alpenglow
Tue Aug 21, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6297

Re: Sellers beware on eBay.

bob60014 wrote:
Sun Aug 19, 2018 3:03 pm
With Ebay, the buyer is always right, the seller has no recourse even though the buyer is abusing the process. It's the reason I have stopped selling on ebay.
This pretty much sums it up. :annoyed
by alpenglow
Tue Aug 21, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 46
Views: 7635

Re: My son was scammed on Craigslist- how to get money back

Insightful thread. I know Craigslist is rife with fraud, but the wire fraud with home closings was very interesting. Buying a home/moving is a stressful time and I can see how easy it would be to fall for a scam like that. Note to self: never wire money.
by alpenglow
Sat Aug 11, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: stock split: Vanguard balance shows huge decline
Replies: 9
Views: 1025

Re: stock split: Vanguard balance shows huge decline

I'm in. How about Peter Luger's in Brooklyn? :beer
by alpenglow
Sat Aug 11, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 10116

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

arcticpineapplecorp. wrote:
Sat Aug 11, 2018 12:04 pm
Thank you. I look forward to buying more shares at lower prices with the same amount of money.
:sharebeer
by alpenglow
Mon Aug 06, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Is maxing Out an IRA, 403B, and 457B Along with a Pension Too Much Saving for the Future?
Replies: 19
Views: 2333

Re: Is maxing Out an IRA, 403B, and 457B Along with a Pension Too Much Saving for the Future?

I'm a teacher in NY. My expected pension at 30 years in is 60% of 3 year final average salary. Most of my co-workers don't put aside much and are depending on their pensions. NYSTRS is well funded compared to most plans, but you never know. I'd rather have the problem of having saved too much than g...
by alpenglow
Sun Aug 05, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 64
Views: 7463

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

You can get a little bit more yield using SPRXX instead of SPAXX (1.85% vs. 1.57%). Or even using FZDXX 1.97% ($100k to start, $10k to maintain). All of these options require you to manually purchase the fund in the CMA (but will be automatically liquidated as necessary to meet debits). Thanks for ...
by alpenglow
Fri Aug 03, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 4938

Re: Is solar power for your home a worthwhile investment?

I think the current rate here (NY Metro area) is about $0.45/kW. We are low energy users but installed a system anyway given the Federal and State incentives. There was also some grant money at the time we installed. We plan to stay in the home about 15 more years and we've had the system for 2.5 ye...
by alpenglow
Fri Aug 03, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 4787

Re: Time to invest in Fidelity's new zero fee funds?

Lol, people are so averse to change. There must be a catch! It's not worth the time to change! It's in the 401k so there is no tax consequence. The new funds are cheaper. I say go for it. You can always switch back. We're all assuming that FZROX is going to mirror FSTVX and FZILX is going to mirror...
by alpenglow
Fri Aug 03, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 4787

Re: Time to invest in Fidelity's new zero fee funds?

My biggest concern with these funds is that Fidelity may decide to raise costs in the future, so if you have gains already, you're either paying taxes on the gains to get your money out or you're paying more in fees to Fidelity. Since vanguard investors are its owners, they have an incentive to kee...
by alpenglow
Thu Aug 02, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 73520

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

This is similar to Dimensional Fund Advisors which offers passive funds that don't follow a particular index. Fidelity will be able to use patient trading strategies and not have to worry about front-running of a published index. I don't think the Vangaurd Total Stock Market Fund (VTSAX) follows a ...
by alpenglow
Wed Aug 01, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 73520

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I don't know why people are getting all excited over ZERO ER!!! Isn't Vanguard's 0.1-0.2% low enough? I have 2 words: TRACKING ERROR. If these "zero" ER funds do a bad job at tracking your index, that can be more painful than 0.1-0.2% ER. With a nice reduction in Fidelity's other ER's, I'll be wait...
by alpenglow
Mon Jul 30, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5526

Re: What Should I Do About A Dying Friend's Assets?

It was mentioned up-thread, but not much. Is there a charity that your friend would like to support? If I were in the same position, there are a few charities that I would be leaving my estate to.
by alpenglow
Mon Jul 30, 2018 2:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund is changing
Replies: 80
Views: 10308

Re: Vanguard Precious Metals and Mining Fund is changing

My parents were invested in this fund for a while. When I started helping them with their money, it was the first fund to go. I don't understand the point of the change here. If someone wants a sector fund, they want a sector fund. Not a diluted sector fund. I guess Vanguard was tired of having such...
by alpenglow
Sun Jul 29, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Frugality and Cash Rewards: What to keep vs. what to let go
Replies: 16
Views: 2383

Re: Frugality and Cash Rewards: What to keep vs. what to let go

I don't find these sort of things too difficult to keep up with. If my spouse is watching a show that I'm only semi-interested in, I'll grab the laptop and get up to date. The only thing I'm stopping is the use of discounted gift cards. The money I'm saving is small and the issues have been high. Wi...
by alpenglow
Tue Jul 24, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 7186

Re: Daughter wants to travel on her own to Montreal

LarryAllen wrote:
Tue Jul 24, 2018 10:00 am
Maybe she really wants a smoked meat sandwich!? That is tasty up there in Montreal!
I have a real hankering for a smoked meat sandwich and some Montreal bagels.
by alpenglow
Sun Jul 22, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Short versus Intermediate Term Bond
Replies: 57
Views: 5469

Re: Short versus Intermediate Term Bond

I've bought a number of ~3% 3 year brokered CDs. I have a lot of trouble going all in on Total Bond with a duration of 6.1 yrs and an SEC yield of 3%. Maybe I'm making the right choice and maybe I'm not. Either way, it probably won't be a big deal. I still hold some Total Bond and Short-Term Corpora...
by alpenglow
Sat Jul 21, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: "All-Weather Portfolio" - Not much info
Replies: 13
Views: 1359

Re: "All-Weather Portfolio" - Not much info

Who is Tony Robbins? https://www.tonyrobbins.com/biography/ Interesting video. I wish I was that good looking and charismatic :shock: Lot's of talking but hard to figure the substance. An All Weather Portfolio is more likely a "Bogle 3 Fund Portfolio". j What do you mean by this? I don't recall gol...
by alpenglow
Sat Jul 21, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: High school graduation monetary gift for nephew
Replies: 37
Views: 2162

Re: High school graduation monetary gift for nephew

Interesting responses here. We have been giving $50 to my wife's many 2nd/3rd cousins and were planning to give $100 to our various nieces/nephews. As someone above mentioned, it can add up when there are lots of cousins, nieces, and nephews in a family. I imagine we would double that for college gr...
by alpenglow
Sat Jul 21, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: "All-Weather Portfolio" - Not much info
Replies: 13
Views: 1359

Re: "All-Weather Portfolio" - Not much info

The All-Weather Portfolio is bond heavy and has thus benefited from the multi-decade bond market bull. We appear to be at the end of that bull market and even if bonds stay flat I don't think it's possible to see anything like that past performance going forward.
by alpenglow
Sat Jul 21, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Capital One offerings 2.30% on CDs - Should I?
Replies: 18
Views: 2079

Re: Capital One offerings 2.30% on CDs - Should I?

I would not. Vanguard Prime Money Market is yielding 2.05%. Even on $100000, that is a difference of only $250. I would prefer the flexibility. What if you find the house you are looking for earlier than a year from now?
by alpenglow
Fri Jul 20, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Gift cards: which is "better / safer"? physical or electronic?
Replies: 23
Views: 1321

Re: Gift cards: which is "better / safer"? physical or electronic?

I'm at the point that I'm totally done with gift cards, both physical and electronic. I recently had $700 worth of gift cards from a major home retailer compromised. They were physical cards in my basement with the pins still covered. They were sent directly from American Express. After a couple of ...
by alpenglow
Wed Jul 18, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: short-term treasuries for short-term savings?
Replies: 9
Views: 656

Re: short-term treasuries for short-term savings?

Vanguard Prime Money Market (VMMXX) is yielding 2.05%.
by alpenglow
Mon Jul 16, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: 3% APY 14 month CD (New England States Only)
Replies: 6
Views: 984

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

aqan wrote:
Sun Jul 15, 2018 4:26 pm
Great find OP. I live in NE. will definitely give it a try.
Good luck. If I lived in NE I'd be going for it too.
by alpenglow
Sun Jul 15, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: 3% APY 14 month CD (New England States Only)
Replies: 6
Views: 984

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

I just came across this offer and though it might be useful to some of you here. Unfortunately, I'm not in NE.

https://www.harborone.com/remarkable3peat
by alpenglow
Fri Jul 13, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2649

Re: Logging out 20 acre lot?

I own a 40 acre timber lot in New England, so I can comment in general but not specifically about your region. I've found that the quality of forestry consultants and loggers varies greatly. Unfortunately, I've seen some land absolutely wrecked by unscrupulous loggers that have no respect for the la...
by alpenglow
Wed Jul 11, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5965

Re: Anyone take naps at work?

rebellovw wrote:
Wed Jul 11, 2018 1:00 pm
Image
This was my first thought!
by alpenglow
Tue Jul 10, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: 1 month Brokered CD, at 1.8%, Why?
Replies: 9
Views: 988

Re: 1 month Brokered CD, at 1.8%, Why?

I know you're at Merrill, but, as a point of comparison, VMMXX (Vanguard Prime Money Market) SEC yield is 2.04% today with full liquidity.
by alpenglow
Mon Jul 09, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: 3.01% 1-year CD
Replies: 7
Views: 2301

Re: 3.01% 1-year CD

Glad I could be of help! :D
by alpenglow
Mon Jul 09, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: 3.01% 1-year CD
Replies: 7
Views: 2301

Re: 3.01% 1-year CD

Sounds like a bunch of baloney to me - just some bait to get you in for a pitch. If the CD offer is legit, I wouldn't be surprised to find it had a $1k or $10k limit.
by alpenglow
Mon Jul 02, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 35454

Re: What is/ was your career and would you recommend it now?

Middle School Teacher I'm 15 years in and going strong. I really like my job, but I'm lucky enough to work in a "good" district with supportive parents and admin. I have solid benefits and pay ($115k+). In theory I will also get a nice pension. I would highly recommend this job to the right person ...
by alpenglow
Tue Jun 26, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 35454

Re: What is/ was your career and would you recommend it now?

Middle School Teacher I'm 15 years in and going strong. I really like my job, but I'm lucky enough to work in a "good" district with supportive parents and admin. I have solid benefits and pay ($115k+). In theory I will also get a nice pension. I would highly recommend this job to the right person ...
by alpenglow
Mon Jun 25, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 35454

Re: What is/ was your career and would you recommend it now?

Middle School Teacher I'm 15 years in and going strong. I really like my job, but I'm lucky enough to work in a "good" district with supportive parents and admin. I have solid benefits and pay ($115k+). In theory I will also get a nice pension. I would highly recommend this job to the right person w...
by alpenglow
Fri Jun 22, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22275

Re: Did you celebrate when you finally hit $1m?

We took note of it and said "woohoo" or something like that. Same with paying off the mortgage. I think that was the extent of the celebration.
by alpenglow
Thu Jun 21, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3740

Re: Does an IPS really need to be 5 pages long to be valuable?

AlohaJoe wrote:
Thu Jun 21, 2018 8:59 am
The only sample IPSes I'm seeing that are 5+ pages are for advisors to send to their clients. That's not your use case.
I imagine advisors would want to make things look very complicated!

I feel that most IPS's should fit on one side of a page.
by alpenglow
Wed Jun 13, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Subaru EyeSight windshield insurance
Replies: 14
Views: 1800

Re: Subaru EyeSight windshield insurance

I see the connection to the "What did you do today" thread.
by alpenglow
Wed Jun 13, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 67
Views: 10481

Re: The Psychology of Money - A Blog Post

One of my favourites: 'When most people say they want to be a millionaire, what they really mean is “I want to spend a million dollars,” which is literally the opposite of being a millionaire.' Lots of wisdom in this blog. Thanks. I agree. I had to forward this quote to my wife because my MIL is al...
by alpenglow
Tue Jun 12, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 42
Views: 3830

Re: Light Camping Trailer

Sweet Betsy wrote:
Mon Jun 11, 2018 4:53 pm
We do not own one of these yet but are seriously considering getting one in the near future.

http://www.timberleaftrailers.com/

They are adorable and can be pulled by a subaru outback or similar.
That is a very nice looking teardrop. Not cheap though.
by alpenglow
Tue Jun 12, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 52
Views: 5866

Re: Maturing Credit Union 3% CD's this year

Thanks Kevin. Despite mentioning the push option, I'll likely use the Fidelity form in December to pull the funds.
by alpenglow
Mon Jun 11, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: How to Repair Leak in Ceiling Below 2nd Floor Bath?
Replies: 6
Views: 563

Re: How to Repair Leak in Ceiling Below 2nd Floor Bath?

I had a similar leak not too long ago. We hadn't used the shower in that bathroom for a long time and after resuming use, the leak appeared. We isolated it to the bath/shower drain. Before opening the ceiling, I pulled the drain and re-did the putty. Luckily for me, that solved the problem. Good luck.
by alpenglow
Fri Jun 08, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: To remove coffee tea stain from mug, use QxyClean
Replies: 9
Views: 1076

Re: To remove coffee tea stain from mug, use QxyClean

Another vote for Barkeeper's Friend.
by alpenglow
Thu Jun 07, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 67
Views: 10481

Re: The Psychology of Money - A Blog Post

Thanks livesoft. I'm a teacher and my free period was just ending.
by alpenglow
Thu Jun 07, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: The Psychology of Money - A Blog Post
Replies: 67
Views: 10481

The Psychology of Money - A Blog Post

I just came across this blog post and thought it might be of interest here.

http://www.collaborativefund.com/blog/t ... -of-money/
by alpenglow
Mon Jun 04, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: PenFed 3% 5 year certificates are back.
Replies: 15
Views: 2383

Re: PenFed 3% 5 year certificates are back.

Doc wrote:
Mon Jun 04, 2018 10:55 am
For comparison the current yield on the five year Treasury is 2.77%.

No early withdrawal penalty, no state income tax and no need for another account.
PenFed will certainly have to sweeten the deal to keep my money come December.