Search found 179 matches

by pc95
Sun Aug 12, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 11
Views: 1383

Re: Freedom Credit Union 30 Month 3.56%APY CD

Nope....here's a 5 year similar rate at a different credit union, in case:

https://www.ussfcu.org/personal/savings ... cates.html

So you have 2 credit union.s to choose from....you should be ok for September.
by pc95
Sun Aug 12, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 11
Views: 1383

Re: Freedom Credit Union 30 Month 3.56%APY CD

I'm holdin' out for 4%....hoping by the end of the year they'll be fairly close.
by pc95
Thu Aug 02, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: US Senate FCU with 5 Yr 3.47% CD
Replies: 3
Views: 685

Re: US Senate FCU with 5 Yr 3.47% CD

Yes have been waiting for some months now. Senate bumped it about 0.15%. Good thing is there are lots of smalller and medium banks or credit unions. May continue to wait - might start in on ~ a 3.7%-er
by pc95
Wed Aug 01, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: US Senate FCU with 5 Yr 3.47% CD
Replies: 3
Views: 685

US Senate FCU with 5 Yr 3.47% CD

https://www.ussfcu.org/personal/savings ... cates.html

If the rumors serve true, we just might see CDs at ~ 4% by the end of the year. Haven't seen a normal 4% or better CD since 2011.
by pc95
Thu Jul 26, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6046

Re: Hold one stock 25 years

Sandtrap wrote:
Thu Jul 26, 2018 4:27 pm
David Jay wrote:
Thu Jul 26, 2018 3:22 pm
Kodak, Polaroid, Nortel, Worldcom, Palm...

No way I want to bet on any one company for 25 years.
+1
Compaq, Pan Am, Sears, . . . . .
j
If you owned Compaq stock, you actually rolled into HPQ and have been ok....
by pc95
Sat Dec 30, 2017 9:56 am
Forum: Investing - Theory, News & General
Topic: Japanese Investments (Expat using Yen)
Replies: 2
Views: 365

Japanese Investments (Expat using Yen)

Anyone living or investing in Japanese brokerages using Yen? If so, any recommended companies that offer index funds there? Thx.
by pc95
Thu Dec 28, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 14600

Re: Ally Bank 12 month CD now 2.00%

Holding out for longer term 3%+ CDs hopefully soon....4% would be sell-some-stocks time.
by pc95
Thu Dec 28, 2017 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell my stock?
Replies: 14
Views: 1705

Re: Should I sell my stock?

Selling a winning stock is difficult. I liken it to quitting while you're ahead though. There is a chance you will leave additional gains behind or a very small chance your old company hits it big and you miss out, but collecting a hefty payday is much better than a meager one, or a loss. Its the ol...
by pc95
Tue Dec 26, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: NavyFed IRA CDs: 32-months 2.75% APY
Replies: 24
Views: 2556

Re: NavyFed IRA CDs: 32-months 2.75% API

[quote=UncleBen post_id=3679820 time=1514078464 user_id=51596] I think it's a pretty good deal. It's for IRA/ESA only, $50 minimum $250k max, $100 bonus if it's your first CD w/NFCU. [b]I do think people might be hesitant to go with 32 months thinking that rates will be rising. [/b] They also have a...
by pc95
Tue Dec 26, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Cost Basis Tax Question
Replies: 10
Views: 490

Re: Simple Cost Basis Tax Question

Yes, I sent a message. The fact that I have to pester them with messages is poor. Their response time online has been generally slow too - always next day. I have Vanguard as well...Schwab has better trade fees unless one has a large account with Vanguard.
by pc95
Tue Dec 26, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Cost Basis Tax Question
Replies: 10
Views: 490

Re: Simple Cost Basis Tax Question

That's a nice wrinkle to it....I previously used OptionsExpress, now merged into Schwab, who frustratingly now do not show purchase history prior to Oct 17! I thought it was going to be merged in so waited and didn't bother to inquire, but now I have to follow up. I am not too happy about the mess-u...
by pc95
Tue Dec 26, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Simple Cost Basis Tax Question
Replies: 10
Views: 490

Re: Simple Cost Basis Tax Question

I made multiple purchases of a single stock at different times (market days). The stock position currently is net positive, as the cost basis indicates even though some of the purchase prices before were above the current position. The purchases were also not equal amounts of shares each purchase.
by pc95
Tue Dec 26, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Simple Cost Basis Tax Question
Replies: 10
Views: 490

Re: Simple Cost Basis Tax Question

This is a single stock....was interested in pulling the basis and letting the gains run. So I'd be on the hook for the Capital gains rate (15% I think it is) regardless.
by pc95
Tue Dec 26, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Simple Cost Basis Tax Question
Replies: 10
Views: 490

Simple Cost Basis Tax Question

Quick hypothetical question-example, lets say you had 1000 shares of xyz that you've bought over a year ago at different times that has an average cost basis of $1000. Your current position of those shares is $1400 and you sell $1000 worth of shares (~714.28 shares) leaving the gains behind as the r...
by pc95
Sun Dec 24, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Single Stocks EPR and OKE Dividend Stocks
Replies: 7
Views: 606

Re: Single Stocks EPR and OKE Dividend Stocks

Yes I've owned Vanguard High Dividend Yield fund for a bit over a year. and recently changed it out. It is doing fairly well recently, and I'm fairly concerned that markets are overbought right now, so I've lessoned positions in index funds on the whole. I have no clue on the timing, duration, or ma...
by pc95
Sun Dec 24, 2017 2:55 am
Forum: Investing - Help with Personal Investments
Topic: Single Stocks EPR and OKE Dividend Stocks
Replies: 7
Views: 606

Single Stocks EPR and OKE Dividend Stocks

Anyone own either of these 2 high dividend stocks? If so, what's your take? OKE looks especially interesting.....I'm going to be tracking it. As a pipeline stock, wondering about its long-term viability. It has a fairly low market cap at 20B and high P/E at 32.
by pc95
Wed Dec 20, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 7625

Re: Can I afford it: Dodge Challenger

[quote=thangngo post_id=3673198 time=1513785510 user_id=118021] [quote=pc95 post_id=3673133 time=1513782296 user_id=29974] Remember: car - point a to point b. Rent a sports-car for a day if you're really feeling itchy. [/quote] We'll have to agree to disagree. Look out of your window, how many diffe...
by pc95
Wed Dec 20, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 7625

Re: Can I afford it: Dodge Challenger

Remember: car - point a to point b. Rent a sports-car for a day if you're really feeling itchy.
by pc95
Sun Sep 24, 2017 8:53 am
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 14674

Re: Any "average Joe" here actually make out well with individual stocks?

[quote=CurlyDave post_id=3545496 time=1506238215 user_id=111472] [quote=pc95 post_id=3545474 time=1506235621 user_id=29974]...My coworker told me his real financial horror story which was fairly stupefying (at least for an moderate earner like myself), and put things in perspective for me. He tried ...
by pc95
Sun Sep 24, 2017 2:22 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 10613

Re: Age you retired

[quote=ReadyToRetire post_id=3543387 time=1506103083 user_id=113456] I did a quick search and found that this question was asked before, but I couldn't find a recent thread. If anyone knows of one, please direct me to it. And thanks. I was just wondering for those of you retired, at what age did you...
by pc95
Sun Sep 24, 2017 1:47 am
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 108
Views: 14674

Re: Any "average Joe" here actually make out well with individual stocks?

I've done ok with individual stocks, and have been lucky in that I haven't incurred any gigantic losses (yet). But likewise no gigantic gains either. For me "gigantic" would be 6-figure; maybe for some that might be 7 or a few even 8 or 9. My coworker told me his real financial horror story which wa...
by pc95
Sat Sep 16, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Considering rolling over Vanguard funds to TSP
Replies: 13
Views: 1550

Re: Considering rolling over Vanguard funds to TSP

Will the restrictions on TSP withdrawals be alleviated? And how were they concocted in the first place? What about the option of buying a partial or full annuity? (I was just thinking about annuities recently)
by pc95
Sat Sep 16, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Best Bank/Credit Union/Financial Company current CD Rates? Or Annuities?
Replies: 2
Views: 566

Best Bank/Credit Union/Financial Company current CD Rates? Or Annuities?

For CD hawks, what's the best longer term (3-7 year) rate you've found recently? https://www.depositaccounts.com/cd/5-year-cd-rates.html Currently 2.6% for a 5-yr (Mountain America Credit Union) Or, anyone have or like annuities - if so, which companies and rates? ie Met Life, life insurance compani...
by pc95
Fri Sep 15, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 12518

Re: The 10 year car ownership "rule"

Not just ownership, but maintenance cost. Has anyone kept a detailed log of all fuel and maintenance actions? I'm sure many do or have. I'm willing to bet over 20 years fuel and maintenance doubles up the total cost of the vehicle. For me if I've had a car a long time (more than 10 years), I start t...
by pc95
Sun Aug 20, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: 401k Allocating/Shielding and Time Horizons plus Circuit City
Replies: 2
Views: 322

401k Allocating/Shielding and Time Horizons plus Circuit City

I've read on posts before and discussed with co-workers the benefits and detriments of shifting 401k allocations based on what the market is doing and retirement target dates. On a basic level, should one be shielding allocations from higher risk to lower risk at say 7, 5, 3, and 1 years from retire...
by pc95
Thu May 18, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs in Japan?
Replies: 1
Views: 614

Healthcare costs in Japan?

Anyone living in Japan who can talk about how much healthcare there is for the public for 40-60 yro? Looking at work that may not have coverage. Ballparks are fine.

Thx.
by pc95
Sun May 07, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 6777

Re: Can we afford a 800K house?

[quote="hookemhorns"][quote] Opportunity cost is not actual cost. [/quote] Actually, it is. What the actual opportunity cost ultimately works out to is yet unknown, but it is certainly a cost. To pretend that the original poster's potential $160k+ down payment has no opportunity cost is wrong. Over ...
by pc95
Sun May 07, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 6777

Re: Can we afford a 800K house?

Opportunity cost is not actual cost. An assumed 6% investment return rate, is just that, assumed, and it also may mean an after tax rate of even higher value depending on the original-poster's income. I don't know any investment that guarantees 8% return year after year. If one existed I'm sure many...
by pc95
Sun May 07, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 6777

Re: Can we afford a 800K house?

http://www.dinkytown.net/java/MortgageLoan2.html A quick look at a mortgage calculator shows that if you have $400k for a downpayment, you can get into $400,000, 15 year loan at 3.5% and have a PITI of ~$3750 per month - $250+ less than your rental. That may not include tax savings as well. As discu...
by pc95
Sun May 07, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 6777

Re: Can we afford a 800K house?

And BTW, the United States Governent certainly welcomes you to the 1% club. I doubt with that kind of salary, anything too adverse happens to you immigration-wise, but who knows. Put it this way, too, at your stated salaries, your company may hire or have a law-team for you. And if litigation, you c...
by pc95
Sun May 07, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a 800K house?
Replies: 52
Views: 6777

Re: Can we afford a 800K house?

At first glance you can "afford" it based on your stated salaries, but when looking at housing, what is the property tax rate in your area? If it is high (say 2%), this must be factored into your consideration long-term. Also stock options are not the same as cash in compensation. You will need to f...
by pc95
Sun Apr 30, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 4891

Re: Car maintenance for older cars - where do you go ?

Goodyear, and always haggle....always
by pc95
Sun Apr 30, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Which High-Yield Online Savings Account Should I Open?
Replies: 72
Views: 13092

Re: Which High-Yield Online Savings Account Should I Open?

http://www.sfgidirect.com/

1.06% - but the main reason why I like sfgidirect is its fast ACH turnarounds - usually a day or 2 max to your main bank. Other banks/Credit Unions take 3 or 4 days sometimes to transfer.
by pc95
Sun Mar 12, 2017 3:39 am
Forum: Investing - Help with Personal Investments
Topic: Japanese Investment/Brokerage Firms?
Replies: 4
Views: 591

Re: Japanese Investment/Brokerage Firms?

Thanks,so, there is no such Vanguard/Fidelity-like firm? Or is Rakuten as close as it gets? I'm looking for companies that offer low cost Index funds if possible, not high frequency trading. Regards.
by pc95
Sat Mar 11, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Japanese Investment/Brokerage Firms?
Replies: 4
Views: 591

Japanese Investment/Brokerage Firms?

Hello, I am looking at working and living in Japan fairly soon, and was wondering if anyone can recommend any Vanguard-or-Fidelity-like low cost brokerage companies in Tokyo area? If not, what are closer alternatives?

Thanks.
by pc95
Fri Feb 03, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Favorite S&P/Global Dividend Single Stocks?
Replies: 4
Views: 560

Favorite S&P/Global Dividend Single Stocks?

Greetings, was interested in what S&P 500 or S&P 1200 Global single dividend stocks folks hold or recommend and their experiences with them? I currently own a bit of Vanguard High Dividend Yield Index fund (VHDYX), but would like to look more into single S&P or large Global dividend stocks as maybe ...
by pc95
Fri Feb 03, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Another can I afford this $2M house thread...
Replies: 70
Views: 9865

Re: Another can I afford this $2M house thread...

Congrats on succeeding in work financially, but I don't envy you in the twilight zone of Real Estate that is the Bay Area nowadays. My step-dad was able to retire 6 years early and pay off debts thanks to a divided piece of inheritance from his Uncle of a SF city house in utter disrepair there that ...
by pc95
Sat Dec 17, 2016 8:24 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 90
Views: 13782

Re: Charles Schwab Experiences?

Thank you for your responses.
by pc95
Sat Dec 17, 2016 3:04 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 90
Views: 13782

Charles Schwab Experiences?

I'm trying to direct my mother away from Wells Fargo Advisors into Vanguard, but she is not interested in online banking or investing. So I'm having her check into Charles Schwab which has a local office where she lives. I've read Schwab is a reputable company, and wanted to reach out to ask of gene...
by pc95
Sun May 15, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Insurance (Self-Insuring)
Replies: 6
Views: 770

Re: Health Care Insurance (Self-Insuring)

Thank you for you Responses and links.
by pc95
Sun May 15, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Insurance (Self-Insuring)
Replies: 6
Views: 770

Health Care Insurance (Self-Insuring)

Does someone know a good website or list of sites for health care insurance not given through an employer?
Is it true this kind of insurance benefits and costs vary widely from state-to-state? If so which states generally have more
favorable plans (ie better value)?

Thanks.
by pc95
Fri Jun 05, 2015 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]
Replies: 8
Views: 945

Re: FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]

Ralph, I checked HSBC's Premier account in Japan and it looks like you cannot open a premier account since 2013...? Thanks for the info though
by pc95
Fri Jun 05, 2015 7:31 am
Forum: Personal Finance (Not Investing)
Topic: FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]
Replies: 8
Views: 945

FOREX - $->Y (larger scale)? [Currency exchange USD to JPY]

Good Day, does anyone have a system or know of the best way to minimize fees/costs for fairly large amounts of Foreign Exchange from US Dollars[$] to Japanese Yen [Y]? I'm trying to get as close to the Exchange rate as possible for obtaining millions of Yen ($10s of 1000s) without paying large perce...
by pc95
Sun Apr 19, 2015 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Estate Tax Considerations
Replies: 7
Views: 1425

Re: Estate Tax Considerations

Thx Theoretical....So I guess I'm not understanding fully - will the joint assets of our estate incur estate tax regardless of if a trust is setup or not? You say it's already "taxed"? There is no exemption available due to non-citizenship, correct? Our assets will not be above the exemption limit e...
by pc95
Sat Apr 18, 2015 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Tax Considerations
Replies: 7
Views: 1425

Re: Estate Tax Considerations

Thanks for the replies, my wife has said she'd like to return to Japan in the event of my death, and as such my understanding is if there is no QDOT setup, estate taxes will be incurred. Also, even if a QDOT is setup, only interest can be drawn unless deemed a hardship, and estate taxes will be due ...
by pc95
Sat Apr 18, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Estate Tax Considerations
Replies: 7
Views: 1425

Estate Tax Considerations

Hello, my wife is Non-US Citizen and does not want to become a US citizen; she is Japanese covered fairly well under treaty pacts for income. I have read due to being a non US Citizen there is no normal spousal exemption for estate tax if I die suddenly. We went through the Green Card Process a deca...
by pc95
Fri Apr 17, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 6681

Re: Inexpensive Smartphone

Interested in an unlocked smart phone for wifi only....do not want monthly plans or minutes, just want for wifi applications (skype, maps, travel, airline etc)- anyone purchase a cheaper smartphone they can recommend for this utility? Thx.
by pc95
Fri Apr 17, 2015 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Taxable
Replies: 1
Views: 382

Life Insurance Taxable

An older friend has listed me as a beneficiary of his life insurance. Simple question - are life insurance benefits taxable in CA? Thought they were not, but unsure - Thx.