Search found 3371 matches

by munemaker
Thu Sep 20, 2018 6:49 am
Forum: Investing - Theory, News & General
Topic: Bonds. Why? (vs. cds)
Replies: 57
Views: 3781

Re: Bonds. Why? (vs. cds)

If you don't mind the work, a really good direct CD deal now is a 15-month at NASA federal credit union at 3.25% APY. Some people have reported problems joining the credit union and opening the CD, but others have reported that it was quite easy for them. I just did this. Joining the NASA FCU (onli...
by munemaker
Wed Sep 19, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 126
Views: 16379

Re: Vanguard - You'll need to sign up for security codes soon

HueyLD wrote:
Wed Sep 19, 2018 11:45 am
Costa Rica and Panama.

Again, I was staying in very nice resorts and could access the web just fine. But Google was the surprise offender.
Interesting. I stayed at a resort in Costa Rica last year and accessed my gmail daily with no problems. Wonder what's going on?
by munemaker
Wed Sep 19, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: Bonds. Why? (vs. cds)
Replies: 57
Views: 3781

Re: Bonds. Why? (vs. cds)

CD, just like cash, have zero correlation with stock returns by definition. That would not be true for brokered CDs where the value of the CD on the secondary market) rises and falls with interest rates, would it? Wouldn't they behave like treasuries, rising in value when rates fall and falling in ...
by munemaker
Wed Sep 19, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 126
Views: 16379

Re: Vanguard - You'll need to sign up for security codes soon

Yes, but I could not access gmail or g voice while my access point was in another country. Is this true? I have accessed gmail from various other countries...Canada, Mexico, Dominican Republic, Jamaica. Never had a problem. Yes, it is true. And I didn't do anything crazy or out of the ordinary. I n...
by munemaker
Wed Sep 19, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 126
Views: 16379

Re: Vanguard - You'll need to sign up for security codes soon

HueyLD wrote:
Wed Sep 19, 2018 10:55 am

Yes, but I could not access gmail or g voice while my access point was in another country.
Is this true? I have accessed gmail from various other countries...Canada, Mexico, Dominican Republic, Jamaica. Never had a problem.
by munemaker
Wed Sep 19, 2018 7:12 am
Forum: Investing - Theory, News & General
Topic: Bonds. Why? (vs. cds)
Replies: 57
Views: 3781

Re: Bonds. Why? (vs. cds)

CD's are bonds and have the same interest rate risk as other bonds. No, if they fall under FDIC protection, which is the case for most small investors. They are riskless. Sure, they are FDIC insured bonds. They still have interest rate risk. Not even that. Their value does not change with interest ...
by munemaker
Tue Sep 18, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 126
Views: 16379

Re: Vanguard - You'll need to sign up for security codes soon

— Cell phone not with you? That’s a convenience problem, not a security problem. What about old people who don't have a cellphone. Then its more than mere inconvenience. If you have a Vanguard account and a computer, maybe it is time to consider a cell phone. This is the 21st century, after all.
by munemaker
Tue Sep 18, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2538

Re: Bank of America credit card “feature” (be careful with autopay)

I am old school. Send me a bill and I'll use bill pay and schedule payments. I could see a benefit if you travel a lot or when your mental facilities decline. I think the key bill to pay is health insurance since I fear that could be a cause to cancel or be a source of confusion especially if a cov...
by munemaker
Tue Sep 18, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 126
Views: 16379

Re: Vaguard - You'll need to sign up for security codes soon

jalbert wrote:
Wed Jun 13, 2018 10:56 pm

The bigger problem is using your wife’s login name and password to login to her account.
What's the problem? I have been doing this for decades and it has worked fine.

I am authorized on her account, but I like to have separate views, so one view on my account, a different one on hers.
by munemaker
Tue Sep 18, 2018 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2538

Re: Bank of America credit card “feature” (be careful with autopay)

Balance has been at $0 since August 27. I have autopay set up for all my cards because I’m anal and rotate between 8-10 cards a month depending on purchase. Sometimes I have $12 balances that I don’t want to miss a payment by accident. Why manually pay when you have autopay set up? Just put it on a...
by munemaker
Sat Sep 15, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: ACA - Silver plan cost sharing worth it?
Replies: 29
Views: 2131

Re: ACA - Silver plan cost sharing worth it?

I'm not sure you can voluntarily give up cobra and receive ACA subsidies. --vtMaps Yes, you can voluntarily give up Cobra and receive ACA subsidies. I should know - I did it. When I retired last year, I declined Cobra and we (Dw and I) received large ACA subsidies including CSR. I want to add that ...
by munemaker
Sat Sep 15, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: ACA - Silver plan cost sharing worth it?
Replies: 29
Views: 2131

Re: ACA - Silver plan cost sharing worth it?

vtMaps wrote:
Sat Sep 15, 2018 8:05 pm

I'm not sure you can voluntarily give up cobra and receive ACA subsidies.
--vtMaps
Yes, you can voluntarily give up Cobra and receive ACA subsidies. I should know - I did it. When I retired last year, I declined Cobra and we (Dw and I) received large ACA subsidies including CSR.
by munemaker
Sat Sep 15, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: CDs role in Fixed income part of portfolio
Replies: 31
Views: 2650

Re: CDs role in Fixed income part of portfolio

venkman wrote:
Fri Sep 14, 2018 9:05 pm
VG's Short Term Treasury Index (VSBSX) has an average maturity of 2.0 years, and a current SEC yield of 2.58%.
Note: The YTD return of VSBSX is 0.10%. The one year total return is -0.31%.
by munemaker
Sat Sep 15, 2018 8:12 am
Forum: Investing - Theory, News & General
Topic: CDs role in Fixed income part of portfolio
Replies: 31
Views: 2650

Re: CDs role in Fixed income part of portfolio

I think a CD ladder could eliminate most liquidity issues (assuming expense are known). Also, although bond funds can drop in value, you don't hear much about people not selling them because the price is low like stocks. Drops tend to be minor. I am becoming a big fan of the CD ladder. Still, much ...
by munemaker
Thu Sep 13, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25%
Replies: 31
Views: 4293

Re: NASA FCU- 15 month CD 3.25%

Yes, the funny thing is I already uploaded a scan of my driver's license as part of the application ("to make processing faster"), but now they're asking for a physical, notarized copy. Nah, I'll find somewhere else to earn an extra 75bp. Kinda wanted the science magazine for my 5yo though... Wow! ...
by munemaker
Thu Sep 13, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Vanguard electronic bank transfers
Replies: 22
Views: 2029

Re: Vanguard electronic bank transfers

What are the pros and cons of either opening a check writing account with Vanguard or establishing a link between Vanguard and a bank or credit union? The pros are you can easily move money from Vanguard to your bank or vice versa. I am retired and living off of my portfolio. Using ACH, I move mone...
by munemaker
Wed Sep 12, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 111
Views: 7250

Re: Argument for taking social security before 70. Comments?

I did not read through this entire thread, but when you did your spreadsheet analysis, did you consider both income streams, i.e. 1) to you and 2) to the surviving spouse?

I only ask because I have a friend who calculated his break even point but did not consider the survivor's benefit.
by munemaker
Tue Sep 11, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4529

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

Personally, I would not say they are losing any battle until there are outflows to other lower cost providers. As far as I know, that isn't the case, at least not yet.
by munemaker
Tue Sep 11, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: A Boglehead explains the simplest way to manage your money
Replies: 18
Views: 5085

Re: Taylor at Marketwatch, with a nice picture

Here's a nice interview with Mr. Larimore with a nice pic of the handsome gentlemen for those of us who haven't seen him before. https://www.marketwatch.com/story/a-boglehead-mentor-explains-the-simplest-way-to-manage-your-money-2018-09-11 Nice article and photo, but I couldn't follow the math on t...
by munemaker
Tue Sep 11, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25%
Replies: 31
Views: 4293

Re: NASA FCU- 15 month CD 3.25%

Yes, the funny thing is I already uploaded a scan of my driver's license as part of the application ("to make processing faster"), but now they're asking for a physical, notarized copy. Nah, I'll find somewhere else to earn an extra 75bp. Kinda wanted the science magazine for my 5yo though... Wow! ...
by munemaker
Tue Sep 11, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25%
Replies: 31
Views: 4293

Re: NASA FCU- 15 month CD 3.25%

I tried applying, and they're asking for notarized copies of my driver's license, social security card, and proof of residence. I have all those things, but has anyone else had them require notarized copies? What does that even mean? Type up something that says "these 3 things are authentic" and ge...
by munemaker
Tue Sep 11, 2018 6:35 am
Forum: Investing - Theory, News & General
Topic: Moved to 100% FDIC Insured Cash today (college money needed in 3 years)
Replies: 26
Views: 2196

Re: Moved to 100% FDIC Insured Cash today

If you need money within the next 5 years, should not be in equities to start with. So if one has a savings goal fifteen years out, would they not be given a recommendation of equities? At what point is one “not to be in equities”? Should they rebalance annually as they approach their goal? If so, ...
by munemaker
Mon Sep 10, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 39961

Re: Low-earners- What is your profession?

Tamales wrote:
Sun Apr 02, 2017 7:36 pm

What type of engineering job makes well under 100k after lifelong (I presume a couple decades) work?
A lot of engineers make under $100K, particularly in low cost of living areas.
by munemaker
Mon Sep 10, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25%
Replies: 31
Views: 4293

Re: NASA FCU- 15 month CD 3.25%

It looks like you have to open a savings account with $5, and there doesn't seem to be any fee attached to that, or to a CD. Every credit union I have been a member of requires a share account with a minimum of $5 in it to be a member. Some credit unions in my area are offering 3 to 3.25% approxima...
by munemaker
Mon Sep 10, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Moved to 100% FDIC Insured Cash today (college money needed in 3 years)
Replies: 26
Views: 2196

Re: Moved to 100% FDIC Insured Cash today

Moved college account money needed in another three years into FDIC Insured cash today. Previously was in 60/40 equity/ bond allocation, and about time to reduce all equity and bond risk with money needed in just over a couple of years. Sorry for the attention grabbing title :D with all that discus...
by munemaker
Mon Sep 10, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 70
Views: 5128

Re: Amazon Prime - Value?

Whether it is a good value is a judgement each individual has to make for herself.

For us, $119 is not much money and the benefits of easy selection, fair prices and easy return are worth it. Plus the benefits of Kindle, audio and video. For us, it's a no brainer.
by munemaker
Mon Sep 10, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25%
Replies: 31
Views: 4293

Re: NASA FCU- 15 month CD 3.25%

BlackCatCA wrote >>>> >> >>>> most people use shared branch or wired transfer to move money into CD, which suggests some issue with their ACH process? I would love to hear some testimonies that ACH of >$30-50k is possible. Thank you. well, at NASA FCU, there is a limit of $10K per ACH transfer. And...
by munemaker
Sun Sep 09, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone using a bill paying service?
Replies: 38
Views: 3926

Re: Is anyone using a bill paying service?

I just signed up for membership in the NASA credit union so I can buy their high-rate CD. In the NASA CU's schedule of fees, I did see mention of a bill paying service that they offer. I was puzzled as to what it is, but after reading this thread, it may be a service that pays bills for people who c...
by munemaker
Sun Sep 09, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: Short Term Market Uncertainty - "Buy" Insurance?
Replies: 33
Views: 1997

Re: Short Term Market Uncertainty - "Buy" Insurance?

grok87 wrote:
Sun Sep 09, 2018 10:54 am

i like the short term corporates to short term treasuries idea. David Swensen advocates bonds being in treasuries and tips.
Larry Swedroe likes CDs and treasuries (not the funds, so much), and believes investors are not adequately compensated for corporate bonds..
by munemaker
Sun Sep 09, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 42
Views: 5526

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

I put the calendar item for about 20 months from now for the two year renewal I did earlier this year. Getting the stickers off has been challenging. There is no requirement, need or advantage to removing the stickers. There is no problem with removing them either. If you drive in another state and...
by munemaker
Sun Sep 09, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 42
Views: 5526

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

pondering wrote:
Thu Nov 16, 2017 8:43 pm
I put the calendar item for about 20 months from now for the two year renewal I did earlier this year.

Getting the stickers off has been challenging.
There is no requirement, need or advantage to removing the stickers. There is no problem with removing them either.
by munemaker
Fri Sep 07, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25%
Replies: 31
Views: 4293

Re: NASA FCU- 15 month CD 3.25%

nitpick wrote:
Fri Sep 07, 2018 5:46 pm
They do hard credit pull as per the comments in doctor of credit.
From what I have read, most credit unions do. What's your concern?
by munemaker
Fri Sep 07, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: forum discussion on ACA premium subsidy and filing taxes
Replies: 12
Views: 1120

Re: forum discussion on ACA premium subsidy and filing taxes

go_mets wrote:
Fri Sep 07, 2018 6:15 pm

I wish there are tax forms where I can change a value on a line on Form 1040 and have everything be re-calculated!
Well why didn't you say so!

This will work for you:
https://sites.google.com/site/excel1040/
by munemaker
Fri Sep 07, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: NASA FCU- 15 month CD 3.25%
Replies: 31
Views: 4293

Re: NASA FCU- 15 month CD 3.25%

Was able to join easily on-line, no need for soc sec card, just a pic of driver's license. We just joined NASA FCU today. It was easy peasy and it took less than 30 minutes (and that included scanning ID documents). At the end of the process, the screen said we are approved (joint account) and an a...
by munemaker
Thu Sep 06, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2568

Re: How do you handle Healthcare costs in retirement

Watty wrote:
Thu Sep 06, 2018 3:16 pm
When I was getting my wife set up on Medicare I found the book "Medicare for Dummies" to be excellent despite the title and I would highly recommend it. Be sure you are looking at the most current edition since there are always a lot of changes.
+1 --> helped me a lot
by munemaker
Thu Sep 06, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: eBay Leaving Negative Feedback
Replies: 27
Views: 2452

Re: eBay Leaving Negative Feedback

Recently, I had two separate purchases made on eBay arrive with parts missing and the item not being in the condition described. For both of those purchases I initiated a return through eBay and received a refund. Should I leave negative feedback for those sellers? On another occasion on eBay, I pu...
by munemaker
Thu Sep 06, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 64
Views: 13242

Re: Displeased with Fidelity Cash / BNY Mellon- debit card theft

After reading this thread, I tightened up control of my Capital One 360 ATM/debit card. Talking to the bank, I had two options: 1) The ATM/debit card can be locked/unlocked from the computer or phone app. You can lock it and unlock it instantly. It is not possible to remove the debit card feature if...
by munemaker
Thu Sep 06, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2568

Re: How do you handle Healthcare costs in retirement

PRE MEDICARE DW and I used ObamaCare the last 2 years since we retired pre-medicare. I had to cover 2 years, DW about 3 years. We could have used COBRA for 18 months, but it was $12,000/year. By planning to keep our taxable income down, we were able to buy a nice Silver plan on the exchange that was...
by munemaker
Thu Sep 06, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: could windshield claim to insurance impact what i pay?
Replies: 14
Views: 773

Re: could windshield claim to insurance impact what i pay?

Why bother asking an insurance company if your rates will increase? Of course they will say no. Why would they tell you to start looking for other insurance providers? My understanding is that in PA, insurance companies are not allowed to raise your rates due to claims that fall under "comprehensiv...
by munemaker
Thu Sep 06, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: could windshield claim to insurance impact what i pay?
Replies: 14
Views: 773

Re: could windshield claim to insurance impact what i pay?

Also in MN, and also just made a glass claim due to vandalism on our windshield. MAKE SURE you request specifically an oem glass windshield. They will give you aftermarket if you don't. I had to wait a bit for ours, like a month since it was on backorder from the dealer. In MN they are required to ...
by munemaker
Wed Sep 05, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5790

Re: Elderly (innocent) relative received this horrible email

Tell her to ignore it and stay off the porn sites.
by munemaker
Tue Sep 04, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 423
Views: 39898

Re: Lucrative careers?

nurse anesthetist are not RNs they are CRNAs. I'm in medicine I know more than a dozen. I think they are RNs with additional certifications. Can you be a CRNA without being a RN first? I kind of doubt it. You need several years of additional schooling, in a program that's hard to get accepted to by...
by munemaker
Tue Sep 04, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Excel sheet for approximate tax / income planning?
Replies: 7
Views: 847

Re: Excel sheet for approximate tax / income planning?

bac wrote:
Tue Sep 04, 2018 4:33 pm
I think this might be of help:

<https://sites.google.com/site/excel1040 ... ew-tax-law>
I used this one too. Very nice!
by munemaker
Tue Sep 04, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 no beneficiary option
Replies: 30
Views: 5621

Re: Capital One 360 no beneficiary option

Would appreciate a second opinion on this. I am married with 2 adult children. Wife and I have joint accounts at Capital One. Capital One 360 beneficiary form says that upon the death of all owners, they will pay out to the beneficiaries. So, my conclusion is no need to specify my wife as beneficiar...
by munemaker
Tue Sep 04, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9636

Re: What will you do when you find you have more money than expected?

At first, I was going to say "A little of both". But honestly, I expect to save to a point where I have my maximum desired lifestyle. So, I'm going with choice "2." +1 Keep in mind that the "better than expected market returns" can be followed by years of worse than expected market returns, and tha...
by munemaker
Mon Sep 03, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3194

Re: 1st time dad, OK to use willmaker software?

I initially had prepared our wills and POAs using WillMaker Pro 2016 from the library. In the WillMaker instructions, they make a big deal out of using the latest version. Because of this, I bought WillMaker Pro 2019 and updated both wills and POAs. Guess what? Nothing changed. Nothing! Not even on...
by munemaker
Sun Sep 02, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund: where is the special sauce?
Replies: 36
Views: 6718

Re: Wellington Fund: where is the special sauce?

UpperNwGuy wrote:
Sat Feb 10, 2018 8:06 am
Why not put the money into index funds and avoid second-guessing the fund managers' inability to keep up with an index?
+1 - and enjoy lower expense ratios as well!
by munemaker
Sun Sep 02, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3194

Re: 1st time dad, OK to use willmaker software?

Minor children can't inherit money or houses directly. There must be a trust. It's unavoidable. According to WillMaker Pro software, a trust for a minor child is not unavoidable. They say that the UGMA can be used until the child is 25, at least that is what they say for PA. Of course, a custodian ...
by munemaker
Sun Sep 02, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3194

Re: 1st time dad, OK to use willmaker software?

I initially had prepared our wills and POAs using WillMaker Pro 2016 from the library. In the WillMaker instructions, they make a big deal out of using the latest version. Because of this, I bought WillMaker Pro 2019 and updated both wills and POAs. Guess what? Nothing changed. Nothing! Not even on...