Search found 362 matches

by dollarsaver
Sat Jun 13, 2020 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102152

Re: Best CD rates thread

Lafayette Federal Credit Union has a 12-month CD at 1.61% (EWP is 180 days). Membership available to those outside their area by joining Home Ownership Financial Literacy Council ($10 one time fee). Never done business with them, but top tier rate on a 12-month CD these days. I opened a Lafayette F...
by dollarsaver
Mon May 11, 2020 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 114
Views: 14229

Re: Capital One 360 Savings Promo

I'm trying to get one of these, but because I had some account there 16 years ago, it won't let me complete the app online. I'm on my second call to customer service. I am not impressed. When I logged on to my Cap One Account (I have a credit card with them) I opened the new account with the code S...
by dollarsaver
Tue Apr 14, 2020 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102152

Re: Best CD rates thread

Navy Federal is still advertising the 3% 37 month IRA certificate. With 3 year Treasury rates at .31%, this is an incredible deal, right? I agree that it's a great value. My problem is that between this and another NFCU IRA CD I am already at $250k. Victoria Me too. Have an IRA CD at Navy too. Hesi...
by dollarsaver
Tue Apr 14, 2020 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102152

Re: Best CD rates thread

krafty81 wrote:
Tue Apr 14, 2020 7:35 am
Jumped on the NFCU CD. Easy.
Be mindful of the max $250K on IRA's for credit union insurance.
by dollarsaver
Tue Apr 07, 2020 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security deferred credits
Replies: 28
Views: 2537

Re: Social Security deferred credits

Hello, I suspended my SS from June '17 until Nov '19. I filed for SS in Nov'19 for first payment in Dec'19. Received my DRC's in that first payment for 2017 and 2018. Got a letter from SS today saying my benefit for Jan 2020 will change to credit me for 2019 DRC's. 10 months for 2019 @ 2/3%/month/ ...
by dollarsaver
Tue Apr 07, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security deferred credits
Replies: 28
Views: 2537

Re: Social Security deferred credits

neurosphere wrote:
Tue Apr 07, 2020 8:21 pm
ObliviousInvestor wrote:
Tue Apr 07, 2020 8:00 pm
Now we add the 10 new DRCs from 2019, and your new benefit should be 1.193333333 x your PIA, or 2,054.77.
$2954.77. :wink:
Thanks so much!
by dollarsaver
Tue Apr 07, 2020 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security deferred credits
Replies: 28
Views: 2537

Re: Social Security deferred credits

Hello, I suspended my SS from June '17 until Nov '19. I filed for SS in Nov'19 for first payment in Dec'19. Received my DRC's in that first payment for 2017 and 2018. Got a letter from SS today saying my benefit for Jan 2020 will change to credit me for 2019 DRC's. 10 months for 2019 @ 2/3%/month/ ...
by dollarsaver
Tue Apr 07, 2020 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security deferred credits
Replies: 28
Views: 2537

Re: Social Security deferred credits

Hello, I suspended my SS from June '17 until Nov '19. I filed for SS in Nov'19 for first payment in Dec'19. Received my DRC's in that first payment for 2017 and 2018. Got a letter from SS today saying my benefit for Jan 2020 will change to credit me for 2019 DRC's. 10 months for 2019 @ 2/3%/month/ 6...
by dollarsaver
Fri Mar 27, 2020 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102152

Re: Best CD rates thread

peke9898 wrote:
Fri Mar 27, 2020 10:58 am
Any good CD rates? Bad timing but I have a CD maturing.

Check Navy Federal if still offering CD Specials they had earlier this week.
by dollarsaver
Mon Mar 09, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: When Will I Receive My 2019 Delayed Retirement Creditsfrom SS?
Replies: 2
Views: 267

When Will I Receive My 2019 Delayed Retirement Creditsfrom SS?

Hello, Starting receiving SS at age 68.5 in Nov 2019. I was paid my DRC's for 2017 and 2018 with my first check in Nov. I am due DRC's from Jan-Oct 2019.
When will SS pay this to me?
by dollarsaver
Tue Jan 07, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 60
Views: 6495

Re: Good Rx

I received a GoodRX plastic discount card in the mail. My question: Does the plastic card give me the same discount price as compared to going to the GoodRx web site and looking up the drug and using the coupon for the best price pharmacy? Thanks Paul I always go to GoodRX.com and text the coupon f...
by dollarsaver
Tue Jan 07, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 60
Views: 6495

Re: Good Rx

Though the difference wasn't big, we experienced this last week. Prednisone with insurance at Walgreens was $30. It seemed high for a generic drug like that so I looked on GoodRx and it was $16. What I am not sure of is can Walgreens run it through using GoodRx instead of insurance or do I need to ...
by dollarsaver
Fri Nov 08, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102152

Re: Best CD rates thread

I'm putting $227K into a 3-year IRA CD as soon as the check from Vanguard arrives. My rant. Maybe I should have tried asking for a check, but am wore down and giving up. After 12 days (including a week to get the Chexsystems freeze lifted as I never received a PIN) and a few calls and an hour or so...
by dollarsaver
Tue Nov 05, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102152

Re: Best CD rates thread

My $500 bonus from Marcus posted this morning. Called Marcus to close account and wire money to PSECU. Called PSECU to change the auto transfer date to Nov 7 for this month.
I'll check in the morning to make sure the Marcus money is in PSECU.
by dollarsaver
Fri Nov 01, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102152

Re: Best CD rates thread

If your bank account is already linked up at Vanguard, my experience was that the wire transfer is actually slower than ACH. If you submit an ACH withdrawal before 12pm ET, the money will appear in the bank by 8am ET the next day. If you send it by wire, the wire transfer actually takes place only ...
by dollarsaver
Thu Oct 17, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102152

Re: Best CD rates thread

Hi. If you set up the PSECU CD's to have $50K each month deposited( money from Marcus coming due in a couple of weeks) that means they will transfer $50K from the share account into the CD. Then you can reduce the amount I know say to 10K each month . But does that mean you have to put $10K into the...
by dollarsaver
Thu Oct 03, 2019 6:57 pm
Forum: Investing - Theory, News & General
Topic: Ally No-Penalty CD Rate Increase Alert Thread
Replies: 27
Views: 5723

Re: Ally No-Penalty CD Rate Increase Alert Thread

Hi, does the initial funding of the CD of say, $10K from Vanguard now limit you to $10K per month to add to the CD? I want the $50K from Marcus to go in there next month. Thanks [/quote] Call PSECU to be sure (800-237-7328 X3570 for the Certificates Department), but my understanding is the initial C...
by dollarsaver
Thu Oct 03, 2019 5:04 pm
Forum: Investing - Theory, News & General
Topic: Ally No-Penalty CD Rate Increase Alert Thread
Replies: 27
Views: 5723

Re: Ally No-Penalty CD Rate Increase Alert Thread

Yikes. Down to 2.05%! T Hi, does the initial funding of the CD of say, $10K from Vanguard now limit you to $10K per month to add to the CD? I want the $50K from Marcus to go in there next month. Thanks Call PSECU to be sure (800-237-7328 X3570 for the Certificates Department), but my understanding ...
by dollarsaver
Thu Oct 03, 2019 3:44 pm
Forum: Investing - Theory, News & General
Topic: Ally No-Penalty CD Rate Increase Alert Thread
Replies: 27
Views: 5723

Re: Ally No-Penalty CD Rate Increase Alert Thread

Yikes. Down to 2.05%! Although disappointing, this is not surprising. Thankfully I bought a bunch of no penalty CD's at Ally and Marcus back in July and early August (had a number of Treasuries maturing then) at 2.35% (Marcus) and 2.30% (Ally). I don't think we are at the bottom here. Said another ...
by dollarsaver
Tue Sep 10, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Overpaying Medicare Part B when first collecting Soc Sec
Replies: 10
Views: 1266

Re: Overpaying Medicare Part B when first collecting Soc Sec

Will be collecting SS for the 1st time starting in Nov. 2019 Have been paying Medicare part B premium DIRECTLY up till now. Latest bill will overlap with the start of SS, where they start paying Medicare out of the SS benefit. So I will be paid up through DEC. 2019 Has anyone had that happen and ho...
by dollarsaver
Thu Aug 29, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 14103

Re: Amazon -- no longer the lowest prices, evidently

amazon hasn't been the price leader for many years. Always cross shop google shopping and ebay for any big purchases. Ebay is often the best actually and you can typically get a rebate thru rakuten. How often to you get a manufacturers warranty with a new item purchased on EBay? How do you identify...
by dollarsaver
Thu Aug 29, 2019 7:06 am
Forum: Investing - Theory, News & General
Topic: CD Rates_Terms advice
Replies: 20
Views: 2386

Re: CD Rates_Terms advice

Hello, how long does the $25K have to remain in Discover Bank to get the $200 bonus? I know the bonus will be deposited by 10/17. Thanks You are not locked in to any terms in regard to receiving the bonus - you can withdraw your money at anytime after receiving the bonus. If your account is at a ze...
by dollarsaver
Wed Aug 28, 2019 8:43 pm
Forum: Investing - Theory, News & General
Topic: CD Rates_Terms advice
Replies: 20
Views: 2386

Re: CD Rates_Terms advice

Thanks FarmBoy for the feedback on your Hughes CU process - sounds good. I was waiting to follow-up here until my account was opened and funded, but thought I'd share this information I learned today. I opened my savings account on 8/26 - easily followed the steps no problems at all. After I submit...
by dollarsaver
Fri Aug 02, 2019 7:07 pm
Forum: Investing - Theory, News & General
Topic: Where are the Brokered CDs?
Replies: 13
Views: 1604

Re: Where are the Brokered CDs?

I have a question. What's so good about these cds, considering Navy Federal offers 5 year cds at 3.5%, and 18 month at 3%? Thank you for this tip. My father served over 20 years and was a member of Navy Credit for forever before he passed away, but I think I still qualify. We'll have to thank fello...
by dollarsaver
Thu Aug 01, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 426
Views: 49403

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Hi Mike, Your calculator tells us to file in Nov'19 for spousal for my wife. She will be 66 in Nov. And I should file(I'm 68 1/2) for my SS in Nov also so she can collect spousal according to your calculator. My question is: I filed on the phone today with SS to start my benefit in Nov. My wife fil...
by dollarsaver
Thu Aug 01, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 426
Views: 49403

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Hi Mike, Your calculator tells us to file in Nov'19 for spousal for my wife. She will be 66 in Nov. And I should file(I'm 68 1/2) for my SS in Nov also so she can collect spousal according to your calculator. My question is: I filed on the phone today with SS to start my benefit in Nov. My wife file...
by dollarsaver
Wed Jul 24, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 426
Views: 49403

Re: "Open Social Security" calculator: feature requests, bug reports, etc

dollarsaver, the calculator follows the convention of discussing months for which a benefit is received rather than months in which the benefit is received. I took this approach in the interest of making the output easier to understand given that this is how most sources (including the SSA in most ...
by dollarsaver
Wed Jul 24, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Broker or Not
Replies: 26
Views: 1336

Re: Medigap Broker or Not

My son is a Medigap/Medicare Advantage broker. Many of his clients, including me needed a full explanation of what Medicare Advantage Plans are available and their differences. Ultimately, went with an N Medigap plan and Part D. I needed an explanation to determine what was best for me. Same premium...
by dollarsaver
Tue Jul 23, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 426
Views: 49403

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Hi, Used this wonderful calculator for the second time today. I'm taking my SS in 11/19 at age 68.5 and my wife will file for spousal in 11/19 at age 66. She was born before 1/54. The numbers show that both of us will receive 2 payments in 2019. We will only receive one payment for Dec 2019. So all ...
by dollarsaver
Sun May 05, 2019 8:23 pm
Forum: Investing - Theory, News & General
Topic: What is my current Social Security Benefit/PIA?
Replies: 19
Views: 2837

Re: What is my current Social Security Benefit/PIA?

FrugalInvestor wrote:
Sun May 05, 2019 3:53 pm
KlangFool wrote:
Sun May 05, 2019 3:50 pm
Folks,

Please test whether you can download this file.

https://drive.google.com/file/d/1tjptO2 ... sp=sharing

KlangFool
It opened right up for me.
+1
by dollarsaver
Wed Mar 27, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Chase freedom 5%
Replies: 27
Views: 3187

Re: Maximizing Chase freedom 5%

Hi, I know many of us have this card. It gives a great 5% cash back but unfortunately each category last only 3 months. I have a "trick" to maximize this that I like to share (I haven't heard anyone mention this). When it is the gas category, I will top up my Speedway gas card for $1500. Speedway g...
by dollarsaver
Wed Mar 27, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 15500

Re: Shingrix [Vaccine availability]

I asked at a CVS today and they said "We only have the 2nd shot at this time' - but if it's the same shot, I wonder why one cannot get the 2nd as the 1st one.... I'm thinking it might be covered under Medicare (part "B"? But there's that deductible). Otherwise it's around 100.00. It is not covered ...
by dollarsaver
Mon Mar 25, 2019 6:12 pm
Forum: Investing - Theory, News & General
Topic: Utah First Credit Union 3.5% 5 yr CD
Replies: 13
Views: 1491

Re: Utah First Credit Union 3.5% 5 yr CD

Hi Thinking about some long term IRA money to put into Utah First Credit Union. 3% for 3 yrs, 3.25% for 4 yrs or 3.50% for 5 years. CD's at Vanguard have been decreasing as well as Treasury bonds. I have IRA fixed income in short term CD's/treasuries already. What do you think? I have been trying t...
by dollarsaver
Mon Mar 25, 2019 6:07 pm
Forum: Investing - Theory, News & General
Topic: Utah First Credit Union 3.5% 5 yr CD
Replies: 13
Views: 1491

Re: Utah First Credit Union 3.5% 5 yr CD

There is a 180 day EWP, except none for RMD's. I am already a member, very easy just $5 and anyone can join. Any opinion on 3,4, or 5 yr IRA CD? Got the same 3% for 3 yrs at Navy Fed that just recently matured. Is sounded so much better 3 years ago. Thanks again An EWP of 180 days of interest is go...
by dollarsaver
Mon Mar 25, 2019 6:03 pm
Forum: Investing - Theory, News & General
Topic: Utah First Credit Union 3.5% 5 yr CD
Replies: 13
Views: 1491

Re: Utah First Credit Union 3.5% 5 yr CD

Hi, I filled out an on-line app and called them today about opening an IRA CD. Extremely helpful on the phone. I spoke to [someone who} helped with the application, emailed me the forms to e-sign to do a direct transfer from my Vanguard IRA to this new IRA etc. Call him tomorrow if you have any ques...
by dollarsaver
Mon Mar 25, 2019 3:15 pm
Forum: Investing - Theory, News & General
Topic: Utah First Credit Union 3.5% 5 yr CD
Replies: 13
Views: 1491

Re: Utah First Credit Union 3.5% 5 yr CD

There is a 180 day EWP, except none for RMD's. I am already a member, very easy just $5 and anyone can join. Any opinion on 3,4, or 5 yr IRA CD? Got the same 3% for 3 yrs at Navy Fed that just recently matured. Is sounded so much better 3 years ago. Thanks again
by dollarsaver
Mon Mar 25, 2019 2:09 pm
Forum: Investing - Theory, News & General
Topic: Utah First Credit Union 3.5% 5 yr CD
Replies: 13
Views: 1491

Utah First Credit Union 3.5% 5 yr CD

Hi

Thinking about some long term IRA money to put into Utah First Credit Union. 3% for 3 yrs, 3.25% for 4 yrs or 3.50% for 5 years. CD's at Vanguard have been decreasing as well as Treasury bonds. I have IRA fixed income in short term CD's/treasuries already.
What do you think?
by dollarsaver
Fri Mar 15, 2019 4:35 pm
Forum: Investing - Theory, News & General
Topic: NCUA Insurance Coverage
Replies: 1
Views: 233

Re: NCUA Insurance Coverage

I just purchase $410,000 in IRA CD's from a Credit Union. They claimed that because I named my wife as a beneficiary, I'm covered by NCUA insurance up to $500,000. I've been trying to verify this information on line, but am having a hard time. Anybody know the rules about this situation, or what I ...
by dollarsaver
Sat Feb 09, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Direct Transfer of IRA funds by wire from VG to Navy FCU
Replies: 1
Views: 214

Direct Transfer of IRA funds by wire from VG to Navy FCU

Hi, We did a direct wire from IRA at Vanguard to Navy Federal Credit Union IRA. Wiring instructions were: "This is a Direct IRA Transfer, FBO John Smith". Navy Federal received the funds and confirmed the funds were entered on their end as a direct transfer to their IRA. Got a call from our Vanguard...
by dollarsaver
Thu Feb 07, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: Navy Federal CU 6 month 3% CD vs NASA CU 15 mo 3.20% CD
Replies: 11
Views: 1694

Navy Federal CU 6 month 3% CD vs NASA CU 15 mo 3.20% CD

Hello Bogleheads, With some credit union CD's paying so much higher than Treasuries and brokered CD's, is it wise to lock in a little longer term for personal money at NASA for 15 months or take the 6mo CD at Navy Fed and see how things look in Aug 2019? Recently got my PenFed money into my Vanguard...
by dollarsaver
Tue Feb 05, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 621
Views: 74587

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

LSLover wrote:
Tue Feb 05, 2019 3:39 pm
Bonus has just been posted.
+1
by dollarsaver
Sun Feb 03, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Concerned about Alzheimers, how do you plan for LTC?
Replies: 80
Views: 6047

Re: Concerned about Alzheimers, how do you plan for LTC?

If the patient lives 20 years with a condition that requires expensive care where the patient's quality of life is seriously compromised and the care has used up the family savings, what are the options? My wife (a physician) and I (a 20 year hospice volunteer), have repeatedly confirmed that we wi...
by dollarsaver
Fri Jan 18, 2019 10:25 am
Forum: Personal Investments
Topic: Capital One 360 MM for $500 bonus
Replies: 32
Views: 3967

Re: Capital One 360 MM for $500 bonus

Can we open two $10k accounts. One joint and one single or similar and get $400 for 20k deposited in two accounts?
by dollarsaver
Fri Jan 18, 2019 10:21 am
Forum: Personal Investments
Topic: Capital One 360 MM for $500 bonus
Replies: 32
Views: 3967

Re: Capital One 360 MM for $500 bonus

z3r0c00l wrote:
Fri Jan 18, 2019 10:20 am
$200 for $10,000 seems pretty solid!
+1
by dollarsaver
Fri Jan 18, 2019 10:11 am
Forum: Personal Investments
Topic: Capital One 360 MM for $500 bonus
Replies: 32
Views: 3967

Re: Capital One 360 MM for $500 bonus

stocknoob4111 wrote:
Fri Jan 18, 2019 8:50 am
$200 for $10,000 sounds not too bad but not $50k!
Just confirmed with bank: $200 for 10k and $500 for 50k.
by dollarsaver
Tue Jan 15, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 621
Views: 74587

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I - relooked at the Ally Deposit Account agreement and their are no maintenance fees mentioned nor account minimums (that I could find) so I assume it is okay to leave only $5 in an account with them tomorrow (or starting on 2/16 if you want to play it really safe)? I'm planning on keeping a Saving...
by dollarsaver
Sat Jan 12, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 15500

Re: Shingrix [Vaccine availability]

sport wrote:
Wed Jan 09, 2019 1:17 pm
ResearchMed wrote:
Wed Jan 09, 2019 12:09 pm
I didn't know an Rx was needed for Shingrix.
It is not needed.
An Rx is needed in some states to get the Shringrix shots. I live in Maine and needed an Rx.
by dollarsaver
Fri Jan 11, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 621
Views: 74587

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

So I guess the "mass exodus" day is January 15 (the day we are free to transfer out our funds)?? That is right around the corner... January 16th. through January 15th , although if you do a transfer or anything else during the day on the 15th, it happens overnight, so that should be fine, but why p...
by dollarsaver
Mon Jan 07, 2019 8:00 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal Credit Union 40 Month IRA CD 3.75%
Replies: 8
Views: 1779

Re: Navy Federal Credit Union 40 Month IRA CD 3.75%

That site definitely has some errors. $193k is the start of the Roth phase out for MFJ couples It does correctly list the deductible Traditional IRA single phase outs. I wanted to check out the IRA Certificate Maturity Instructions as well... the link is for the same main page that lists everything...
by dollarsaver
Mon Jan 07, 2019 2:30 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal Credit Union 40 Month IRA CD 3.75%
Replies: 8
Views: 1779

Navy Federal Credit Union 40 Month IRA CD 3.75%

Hi all,
Anyone have thoughts on the Navy Federal IRA CD 40 month for 3.75% up to 150k? We have maturing money from PenFed. We are members. Can't find anything comparable for brokered CD's or treasuries. Thanks in advance