Search found 186 matches

by pc95
Tue Nov 06, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 3628

Re: 3.75% - 5-year CD

[quote=CRTR post_id=4201423 time=1541542718 user_id=88548] [quote=pc95 post_id=4200787 time=1541520873 user_id=29974] I'm going full tilt if/when 4%. Thought this is a noteworthy step though. I think the tendency for policy seems to be knee-jerk rate cuts. Cheap borrowing. Much easier to take a pena...
by pc95
Tue Nov 06, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 3628

Re: 3.75% - 5-year CD

I think he's talking about the interest rate projection with FEDs over time - its been generally mentioned there are still rate hikes in the hopper.
by pc95
Tue Nov 06, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 3628

Re: 3.75% - 5-year CD

Thanks Nalor.
by pc95
Tue Nov 06, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 3628

Re: 3.75% - 5-year CD

I'm going full tilt if/when 4%. Thought this is a noteworthy step though. I think the tendency for policy seems to be knee-jerk rate cuts. Cheap borrowing. Much easier to take a penalty if incorrect, and jump into a higher rate.
by pc95
Mon Nov 05, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 3628

3.75% - 5-year CD

https://www.greenwoodcu.org/gcu-rates/c ... -deposits/

This is nice, 4%-CDs may be following pretty soon.
by pc95
Sat Aug 18, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: TD-Ameritrade Investment Las Vegas Conference
Replies: 0
Views: 293

TD-Ameritrade Investment Las Vegas Conference

Anyone ever attend investment conferences in Las Vegas? A friend of mine was planning to attend an upcoming one by TD-Ameritrade during a weekend, and I was curious if it worthwhile. Opinions or experiences welcome....
by pc95
Fri Aug 17, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 15
Views: 1870

Re: Freedom Credit Union 30 Month 3.56%APY CD (Closed))

If you're a CD-monger, I think its worth it. Depending the amount your'e investing, the difference could be worth 1000s, 10s of 1000s, or more. I think its a bit better to be invested in different banks to protect with FDIC limits.
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: 15
Views: 1870

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: 15
Views: 1870

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: 738

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: 738

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: 6561

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: 403

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: 15105

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: 1818

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: 2627

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: 532

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: 532

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: 532

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: 532

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: 532

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: 664

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: 664

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: 8186

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: 8186

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: 15075

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: 11169

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: 15075

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: 1714

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: 588

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: 12854

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: 351

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: 636

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: 7064

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: 7064

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: 7064

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: 7064

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: 7064

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: 5070

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: 13618

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: 630

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: 630

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: 594

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: 10137

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: 14394

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: 14394

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: 785

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: 785

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.