Search found 181 matches

by vbdoug
Sat Dec 14, 2019 1:39 am
Forum: Personal Consumer Issues
Topic: What are you giving (or asking) for Christmas?
Replies: 72
Views: 4047

Re: What are you giving (or asking) for Christmas?

I asked my girlfriend to buy us two open cockpit flights on Pacific Blue Air over Los Angeles. I told her I would pay half.
by vbdoug
Thu Dec 12, 2019 8:33 pm
Forum: Personal Investments
Topic: CD 2.5% apy 13 month term
Replies: 9
Views: 1805

Re: CD 2.5% apy 13 month term

Did you ask if you could deposit $500K at this rate? I did not. I just called the toll free number for Arrowhead. The agent initially was unaware of the promotion. To get more information she requested all sorts of information about me. Then she went to her advisors and told me there was no cap, alt...
by vbdoug
Thu Dec 12, 2019 5:09 pm
Forum: Personal Investments
Topic: CD 2.5% apy 13 month term
Replies: 9
Views: 1805

Re: CD 2.5% apy 13 month term

Final thoughts. Non-callable by the credit union. Insured by the NCUA. If I cash it early there is a loss of 60 days interest. Total fees are $5 for joining credit union. The branch manager did not know why they do not advertise this rate more than they do. The offer has been in effect for a few mon...
by vbdoug
Thu Dec 12, 2019 11:54 am
Forum: Personal Investments
Topic: CD 2.5% apy 13 month term
Replies: 9
Views: 1805

Re: CD 2.5% apy 13 month term

My online bank is Purepoint but I like the fact that a local bricks and mortar bank is so close, although I probably will not go back there until the CD matures. The timing on this will be fine for my bond ladder. I am still not sure why "They may not want to be overwhelmed with new money". And I wi...
by vbdoug
Wed Dec 11, 2019 9:09 pm
Forum: Personal Investments
Topic: CD 2.5% apy 13 month term
Replies: 9
Views: 1805

CD 2.5% apy 13 month term

I was in a local grocery store in Torrance, Ca and I noticed a small branch office of the Arrowhead Credit Union. I saw a small sign that advertised a 13 month CD at a rate of 2.5%. They confirmed that was a valid promotional offer and was available for a limited time. They also stated that it was F...
by vbdoug
Fri Nov 22, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: 70+year Oldies: Anyone buying the C8 Corvette?
Replies: 77
Views: 5590

Re: 70+year Oldies: Anyone buying the C8 Corvette?

ohai wrote: I'd wait a year or two to see how prices settle down. For example, when the new Supra came out, dealers marked prices up aggressively, as they anticipated high demand. However, it turns out that not many people have been rushing to buy sports cars, and you can get Supras for a discount t...
by vbdoug
Fri Nov 22, 2019 4:11 am
Forum: Personal Consumer Issues
Topic: 70+year Oldies: Anyone buying the C8 Corvette?
Replies: 77
Views: 5590

Re: 70+year Oldies: Anyone buying the C8 Corvette?

Re Vettes and more curiously Supras, ohai indicates Supras are going for less than MRSP. What is your source of information for that? I got a quote on a Supra through Costco that was at invoice, but I figured it might be a bait and switch. Please advise.
by vbdoug
Sun Nov 17, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Help :- Need a power wheelchair
Replies: 21
Views: 1683

Re: Help :- Need a power wheelchair

Years ago I had a powered wheelchair to sell. Because the government subsidies them, there is a very small demand for used wheelchairs. I ended up donating it to charity. I would agree with the first poster: Craig's List or Nextdoor.
by vbdoug
Tue Oct 29, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3613

Re: Part D - thinking of shifting to Walmart

I have been with Humana/Walmart in California for four years. No complaints, but I received the following from a Medicare advisor a few weeks ago: "You are currently in the Humana/Walmart Medicare Rx Part D plan and it's a $29.90/month premium. You should have received the ANOC (Annual Notice of Cha...
by vbdoug
Mon Oct 28, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 3715

Re: Anyone have an issue with Corelle plates?

I inherited 15-year-old Corelle plates twenty years ago. All still perfect. They will last me until I die.
by vbdoug
Mon Jul 01, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 25
Views: 8583

Re: Costco Free Screenings

Sam's used to offer similar services monthly and then quarterly until this last January when they discontinued them altogether. I have been going to Costco forever and had never been aware of them offering this service. The Costco pharmacy told me today that my store offers "Healthy Heart" screening...
by vbdoug
Fri Jun 07, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 9778

Re: Costco or Sam's Club?

I am a proud member of the Cult. I needed to join Sam's because of my Medicare Part D. I prefer Sam's for parking, emptiness {compared to Costco}, free {and good} wi-fi, and quick check-out using my Sam's smart phone app. There are only a few items I purchase there. Sam's did offer free monthly {and...
by vbdoug
Wed May 29, 2019 2:54 pm
Forum: Personal Investments
Topic: i-bonds
Replies: 5
Views: 1547

Re: i-bonds

I made my purchase today. Thank you all for your comments.
by vbdoug
Sat May 25, 2019 6:30 pm
Forum: Personal Investments
Topic: i-bonds
Replies: 5
Views: 1547

i-bonds

I plan to purchase 10k this year. I know I missed the last deadline. I realize this is market timing, but is there any consensus on if I should buy later this month {to get the credit} or should I wait until the next update later this year?
by vbdoug
Mon May 06, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Where do you shop to get best deal for home appliance/electronics?
Replies: 22
Views: 2219

Re: Where do you shop to get best deal for home appliance/electronics?

I am a huge fan of Costco and rarely shop at Best Buy. Some years ago I purchased a MacBook at BB {it was cheaper there than Apple} and a few months ago purchased an iPad also at BB {it was cheaper than Costco. Go figure.
by vbdoug
Wed Feb 27, 2019 1:23 am
Forum: Personal Consumer Issues
Topic: Which Free Antivirus for Macs?
Replies: 26
Views: 1780

Re: Which Free Antivirus for Macs?

Malwarebytes was recommended to me by Apple and I have been using it for the last year without any problems or issues.
by vbdoug
Wed Feb 27, 2019 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Bank Bonuses w/ Debit Card Activity as Requirement = No 1099-INT
Replies: 12
Views: 1186

Re: Bank Bonuses w/ Debit Card Activity as Requirement = No 1099-INT

I have been playing the banking/credit card game for awhile. Last year I received 1099s but this year none at all on nearly $1500 in earnings. My CPA said not to worry about so I will not.
by vbdoug
Tue Feb 12, 2019 2:30 am
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9177

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

I always purchase tires at Costco. I went in last month to replace the front tires out of necessity. Costco told me the rear tires were 5 years old and needed to be replaced. The tread on each tire was more than 2/3rds gone and if I purchase four new tires {as opposed to two} I would save $100 and a...
by vbdoug
Tue Feb 05, 2019 2:33 am
Forum: Personal Investments
Topic: Why ally bank
Replies: 64
Views: 8131

Re: Why ally bank

I am a bigger fan of PurePoint but just recently opened an account at Ally. I cannot comment on their customer service because I have not used it. I read in this forum that people favor Ally because it has a great track record and that is the reason that they have received some of my investment.
by vbdoug
Thu Jan 31, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: iPhones with trade in
Replies: 22
Views: 1422

Re: iPhones with trade in

Post by cutterinnj » Thu Jan 31, 2019 5:01 pm

Still rocking my 6S from 3+ years ago. Replaced the battery last year and will likely do it again within a year.

If you have the 6S or the SE, I’m not sure there’s a great reason to upgrade unless you really need animated emojis.




+1
by vbdoug
Thu Jan 31, 2019 6:41 pm
Forum: Investing - Theory, News & General
Topic: WSJ Letter on Indexing and Bogleheads
Replies: 46
Views: 4982

Re: WSJ Letter on Indexing and Bogleheads

Helo80 wrote: ↑Tue Jan 29, 2019 8:23 pm I'd be happy to invest in an actively managed fund and pay the 1% ER (or whatever it is) if it will contractually equal or beat the S&P500 every year. I think the above statement by Helo80 is brilliant. The fact that a managed fund has never made this offer sp...
by vbdoug
Sat Jan 19, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 6060

Re: Is California worth the premium?

Of course California is worth it, if you have enough money. And you better have that. Kids will need to go to private school sunless you live in the nicest areas. Safety, ditto. Homeless camps are all over L.A.; its a tragedy. Local government is derelict in their duties. Pets; watch out for the coy...
by vbdoug
Fri Jan 18, 2019 1:22 am
Forum: Personal Consumer Issues
Topic: Audio book options
Replies: 28
Views: 1338

Re: Audio book options

Hoopladigital.com is the best. Lots of availability, easy renewals and totally FREE. I walk/hike a lot and have listened to scores of books on my iPhone. Highly recommended!
by vbdoug
Fri Jan 18, 2019 1:00 am
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 76
Views: 7539

Re: Swimming, do you? Advice sought.

I am 68 and swim 3/4 of a mile every other day in our 60 foot pool. I don't kick turn and my only stop is a split second at each length. The key is breathing effectively and efficiently, and it is amazing how much better you can become even at an older age. I have shoulder issues and have a odd stro...
by vbdoug
Thu Jan 17, 2019 3:48 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58156

Re: John Bogle has died at age 89

Plus one for everyone.
He was a great man.
by vbdoug
Thu Dec 20, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reconciliation
Replies: 5
Views: 888

Re: Vanguard Reconciliation

On the weekend I like to note the value of my Vanguard holdings. Now they not reconciled until Monday morning. Is this a new thing?
by vbdoug
Sun Dec 16, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reconciliation
Replies: 5
Views: 888

Vanguard Reconciliation

After a Friday close of the stock market, I would check {in vanguard.com} "My Accounts" and "Balances and Holdings". As one might expect, the amounts differed. However, in the past these amounts would be reconciled by Saturday morning. The last few weekends I have noticed that there is not an update...
by vbdoug
Fri Dec 14, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: Buying a WSJ on Ebay
Replies: 28
Views: 4792

Re: Buying a WSJ on Ebay

+1.
Except my last subscription ended in early November and cost me $85.39 for one year.
by vbdoug
Wed Nov 28, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: best Mac malware program?
Replies: 13
Views: 1229

Re: best Mac malware program?

Sometimes it is best to do nothing. In the past Apple has indicated the best malware detection program is not to get one; they did not recommend any. Recently Apple did recommend Malwarebytes free program. I have used it for a few months without issue. Certainly stay away from MacKeeper.
by vbdoug
Fri Nov 16, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 7111

Re: Ally just raised Online Savings accounts to 2% APY

PurePoint has been 2.15% for awhile.
by vbdoug
Mon Oct 01, 2018 3:04 pm
Forum: Personal Investments
Topic: Purepoint Financial offers 1.9%
Replies: 11
Views: 1406

Re: Purepoint Financial offers 1.9%

Purepoint Financial just raised their online savings rate to 2.15%. The 1 year CD remains at 2.60%.
by vbdoug
Wed Sep 26, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Movie Forums
Replies: 1
Views: 274

Movie Forums

I used to greatly enjoy imdb.com and their public forum. I contributed much and learned more. I was saddened when they discontinued their forum a few years ago. Is anyone aware of any equivalent forum other than anything on FaceBook?
by vbdoug
Fri Sep 07, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1589
Views: 173309

Re: [What TV Show Have You Recently Watched?]

We just watched the first "Sherlock" episode from the BBC on Neflix. It was excellent.
by vbdoug
Sat Jun 30, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 52878

Re: [Ally online savings now at 1.75%]

vbdoug wrote: ↑Fri Jun 29, 2018 5:16 pm PurePoint has been 1.90% for awhile and has a 10k minimum. No fees and no problems so far. "How do you like the interface/service at Purepoint? I hesitate to open yet another bank, yet another username/pw etc. since I just opened my Ally account less than 9 mo...
by vbdoug
Fri Jun 29, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 52878

Re: ALLY BANK savings account RATE increase 1.75%

PurePoint has been 1.90% for awhile and has a 10k minimum. No fees and no problems so far.
by vbdoug
Thu May 31, 2018 1:23 pm
Forum: Personal Investments
Topic: Purepoint Financial offers 1.9%
Replies: 11
Views: 1406

Re: Purepoint Financial offers 1.9%

What's the point when Vanguard MM are paying more than that?

I felt I would mention this because some might prefer a FDIC protected investment. And because it appears to be one of the highest rates offered by a bank. And because bank savings rates are sometimes discussed on this forum
by vbdoug
Thu May 31, 2018 1:15 pm
Forum: Personal Investments
Topic: Purepoint Financial offers 1.9%
Replies: 11
Views: 1406

Purepoint Financial offers 1.9%

I am happy with this FDIC insured online bank. No fees as yet and quick service
by vbdoug
Tue May 08, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Citi bank bonus offer: any recent experience?
Replies: 8
Views: 1895

Re: Citi bank bonus offer: any recent experience?

I played the bonus game with CITI last year. They were a little sloppy about a number of things, but I grossed $500 so it was worth it. A few days ago I received a "personal" offer {not open to the general public!} offering $300 and $500 bonuses. However by clicking some links I found a better deal ...
by vbdoug
Mon Apr 09, 2018 2:57 pm
Forum: Personal Investments
Topic: Purepoint now 1.6%
Replies: 16
Views: 2956

Re: Purepoint now 1.6%

Purepoint sent me some "Tea Forte Noir" last week. I do not know why, but it was a nice gesture.
by vbdoug
Mon Apr 09, 2018 2:47 pm
Forum: Personal Investments
Topic: Purepoint now 1.6%
Replies: 16
Views: 2956

Re: Purepoint now 1.6%

by walletless » Mon Apr 09, 2018 2:44 pm

Now 1.75% APY

+1

I received an advisory from Purepoint today. No muss no fuss.
by vbdoug
Tue Apr 03, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: I-bonds and the IRS
Replies: 3
Views: 1586

Re: I-bonds and the IRS

Samsoes, thank you for getting back to me with correct information. I was looking for an easier way to do this and in fact sent and just received this message from Treasury Direct: "RE: Paper E, EE, and I Savings Bonds Savbonds@fiscal.treasury.gov The Series I bonds that you can purchase with your I...
by vbdoug
Sun Apr 01, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: I-bonds and the IRS
Replies: 3
Views: 1586

I-bonds and the IRS

When I file with the IRS I will receive a planned refund of 5K that I wish to invest in I-bonds. This will be in addition to the 10K I have all ready purchased. As I understand it, an announcement on any I-bond interest rate change will be announced on 11Apr and be effective 1May. If the I-bond rate...
by vbdoug
Sat Mar 03, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 7877

Re: What will you do with your tax refund?

I don't like to loan the government money either. But I overpaid my quarterly by 5k to buy some i-bonds in April. I am surprised I am only the second poster to mention i-bonds.
by vbdoug
Sun Feb 11, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 52878

Re: Ally online savings now at 1.45%

Calygos wrote: "Next day? How so quickly? Usually takes 2-3 days for ACH transfers for me from Ally."

I don't know. It just has.
by vbdoug
Sun Feb 11, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 52878

Re: Ally online savings now at 1.45%

Looks like PurePoint has a $10k minimum as well (I tried them before but forgot about that) and is still only savings, no checking. That's one nice feature about Ally is that in a pinch, you could transfer money to checking and withdraw with their ATM card, or write a check. All true. Re simplicity,...
by vbdoug
Sun Feb 11, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 52878

Re: Ally online savings now at 1.45%

SlowMovingInvestor wrote:
Fri Feb 09, 2018 8:02 am
Purepoint is at 1.60% now, too.
+1
by vbdoug
Sun Feb 11, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4137
Views: 1188143

Re: What Book Are You Currently Reading? Part VI

I only use audible books. "Two Years Before The Mast" is a great book more than 150 years after it was written. "The Forgotten Soldier" by Guy Sajer made me realize how blessed is my life.
by vbdoug
Fri Jan 26, 2018 4:03 am
Forum: Personal Investments
Topic: Purepoint now 1.6%
Replies: 16
Views: 2956

Purepoint now 1.6%

Without notice, my account now shows a savings rate 1.6% in a FDIC covered account with minimum restrictions. I have used them for a almost a year with zero issues. Is there anything superior to that in a guaranteed account?
by vbdoug
Sun Jan 21, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Need to buy new printer. Suggestions for best value?
Replies: 33
Views: 3867

Re: Need to buy new printer. Suggestions for best value?

I have had a Costco HP for quite some time. It works pretty well, and the Costco cartridge refills are cheap. But the best thing about the HP is the 3 year warranty I purchased. With Mac updates and sundry changes i have found that indispensable. Do other printer makers offer something similar to th...