Search found 117 matches

by chrisjul
Sat Jun 16, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: When to "raise my rate" (Ally bank CD)
Replies: 19
Views: 2438

Re: When to "raise my rate" (Ally bank CD)

I have a 4-year "raise your rate" CD that I have 1 remaining increase option on. It matures December 2021. Current APY for the CD is 2%, and I can exercise my increase option to raise it to 2.35% immediately. Should I do it now, or wait? Consider breaking the CD and buying a 3-year brokered CD at 3...
by chrisjul
Sat Jun 16, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16079

Re: Should I take possession of a certified mail?

Doesn't matter if you refuse, accept or ignore a certified.

The sender has a receipt from the USPS that they attempted delivery and you did not accept.

Might as well sign for it.....to see what's coming.
by chrisjul
Fri May 18, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 8760

Re: Golden Handcuffs

I was in that scenario. I retired at 57 and left LOTS of money on the table.

I'm 66 now and have never regretted the decision once.
by chrisjul
Fri May 18, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4844

Re: New motorcycle rider

There is a good reason they call them DONORCYCLES in the emergency room.

I love them, but not worth the risk.
by chrisjul
Fri May 18, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4844

Re: New motorcycle rider

Forget it. I quit while I was ahead. I live in year round motorcycling climate. They scrape up some old guy who "always wanted a motorcycle" here almost every day, riding above his skill level or killed by some snowbird with poor driving skills. Get a sports car....almost the same kick and MUCH safer!
by chrisjul
Fri Apr 13, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 12879

Re: How Far is too Far, Commuting?

I have and its not worth it for me. 2 hrs a day lost in your life if insane.
by chrisjul
Tue Mar 27, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: How does your retirement spending compare to pre-retirement spending?
Replies: 48
Views: 6640

Re: Retirees: How does your retirement spending compare to pre-retirement spending?

Life style will dictate expenses. My spending increased dramatically due to now having the TIME to travel and do other expensive things.
by chrisjul
Sat Mar 17, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting a Traditional IRA
Replies: 3
Views: 482

Re: Inheriting a Traditional IRA

IRA Traditional
by chrisjul
Sat Mar 17, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting a Traditional IRA
Replies: 3
Views: 482

Inheriting a Traditional IRA

I searched but couldn't find this particular issue. Upon inheriting an IRA from dad, do I have to be careful in terms of moving it to Vanguard from his annuity? I know I have to be very specific on titling the new IRA and taking RMD's based on my age, but I don't want to create a tax event by taking...
by chrisjul
Sat Mar 17, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Bosch Dishwasher Recall
Replies: 9
Views: 2625

Re: Bosch Dishwasher Recall

I bought a new Bosch dishwasher....lasted about 2 months beyond the warranty!

Fried motherboard, damaged motor, etc. Not worth the repair. Threw it away.

Never again !!!!!
by chrisjul
Sat Feb 24, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Ethics of selling a used car
Replies: 54
Views: 4458

Re: Ethics of selling a used car

Put yourself in the buyer's shoes.....would you like the seller to disclose known problems?

Seems like an easy "ethical" decision. Disclose.
by chrisjul
Wed Feb 21, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car debt or invest??
Replies: 24
Views: 1360

Re: Pay off car debt or invest??

Pay it off
by chrisjul
Wed Feb 21, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: My 2012 Fiat 500 is officially the most dependable car I have ever owned
Replies: 19
Views: 1046

Re: My 2012 Fiat 500 is officially the most dependable car I have ever owned

adamthesmythe wrote:
Wed Feb 21, 2018 6:56 pm
Even brands that were considered unreliable are better today. And someone always wins the lottery.

Watching for a Land Rover owner to check in with 120K trouble-free miles.
No such thing!
by chrisjul
Wed Feb 21, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: My 2012 Fiat 500 is officially the most dependable car I have ever owned
Replies: 19
Views: 1046

Re: My 2012 Fiat 500 is officially the most dependable car I have ever owned

You got lucky. One of the lowest rated cars based on owner reviews
by chrisjul
Sat Feb 10, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4787

Re: Who has had a pool?

Much depends on where you live. I’ve lived in Florida 41 years and wouldn’t be without one. When I lived in Western New York, no thanks. Gill I agree here....depends on where you live. Ive had 3 pools. Would not be without one (I live in S FL and we use it every day). I owned one in MS and the buye...
by chrisjul
Sat Jan 13, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: I Bond Rate and Yield
Replies: 4
Views: 971

I Bond Rate and Yield

I have a few old I Bonds and was looking at the Treasury Direct inventory of my bonds. There is a "Rate" listed at 4.99% and a "Yield" listed at 5.18%. They were issued in Oct, 2001. How are these interpreted? Is one a composite number? What are these bonds currently earning? Thanks in advance for t...
by chrisjul
Wed Dec 13, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 34713

Re: Ally Bank 1.25% 11 month with no EWP

I believe the No Penalty rate for 11 months is actually 1.6%
by chrisjul
Mon Dec 11, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 47
Views: 37752

Re: My Costco/TrueCar auto shopping experience

I also was disappointed with True Car and got a better deal on my own.
by chrisjul
Sat Dec 09, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 6263

Re: I am buying a car: Most/Least Reliable Makes?

Consumer Reports does not like the reliability of honda/acura. They used to be reliable in the 90s, but not so much now. CR's "talking about cars" people slam the reliability of nissan, and honda's rating isn't much better. There is an episode of CR's "talking about cars" in which they lament honda...
by chrisjul
Sat Dec 09, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 6263

Re: I am buying a car: Most/Least Reliable Makes?

munemaker wrote:
Fri Dec 08, 2017 7:49 pm
You could add Jeep and Fiat to the bottom if you like.
I agree
by chrisjul
Sun Aug 27, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 91
Views: 8683

Re: Bosch dishwasher?

I bought a new top of the line Bosch due mainly to its quiet rating. It lasted about a month past the warranty and self destructed beyond repair.

Then bought a KitchenAid, based on Consumer Reports rating and its good. Just as quiet too.
by chrisjul
Sat Jul 01, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 93
Views: 11587

Re: P2P Lending - Anyone try it?

Ive been using Lending Club for 4 yrs, averaging a net return of 6.5-7.5%

Im very happy with the process (I don't use their automated system, but make the loans myself)
by chrisjul
Fri Mar 10, 2017 9:28 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 31015

Re: Sitting on cash....Waiting for a crash

I tend to agree with Wm Bernstein....."when you have already won the game, why continue to play"
by chrisjul
Sun Jan 01, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager
Replies: 187
Views: 23214

Re: Bernstein-"To Make Money They Didn't Need".....and Pascal's Wager

Yes, I'm a believer in Bernstein's theory; "Why continue to play a game you have already won?"
by chrisjul
Sun Dec 04, 2016 9:15 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 8863

Re: P2P Lending Dead

Larry: The fund lists the following fees to add up to 3.74%. Which ones do you think a prospective investor should say do not count? Management Fees 1.50% Interest Payments on Borrowed Funds 0.79% Service Fees 0.10% Loan Servicing Fees 0.95% All Other Expenses 0.44% Fee Waiver: (0.04)% ------------...
by chrisjul
Sun Dec 04, 2016 9:11 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 8863

Re: P2P Lending Dead

I know this doesn't answer your question, but personally P2P Lending is dead to me. Granted I only put a small amount of money in to test the waters, but the results and experience has been sub-par to say the least. For the last two years, I think I barely broke even when factoring in my 30% defaul...
by chrisjul
Tue Jun 28, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else noticing more late payments on Lending Club since the bad publicity?
Replies: 10
Views: 1863

Re: Anyone else noticing more late payments on Lending Club since the bad publicity?

I have been investing in Lendingclub making only $25 loans at a time. I have made a total of 515 loans with only 11 defaults in 3 years, a rate of about 2.1% (much lower than Lending Club projected). My adjusted net annualized return is currently 8.22% (adjusted for any late or overdue payments). I ...
by chrisjul
Sat Jun 25, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Recommendations?
Replies: 22
Views: 4670

Re: Credit Card Recommendations?

nerdwallet.com has a good comparison of credit cards based on rewards
by chrisjul
Sat Jun 25, 2016 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else noticing more late payments on Lending Club since the bad publicity?
Replies: 10
Views: 1863

Re: Anyone else noticing more late payments on Lending Club since the bad publicity?

No, I have not noticed that, but I don't have the data to know.

I am very happy with my investment in Lending Club and have added money (again) this year. I also moved more into the C level loaning from primarily B.

Happy with the results also.
by chrisjul
Fri Jun 17, 2016 9:00 pm
Forum: Personal Consumer Issues
Topic: Any motorcyclists here? - First road trip
Replies: 33
Views: 3407

Re: Any motorcyclists here? - First road trip

check the adventure rider forum
by chrisjul
Sat May 21, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: Car insurance - increased liability 500k
Replies: 16
Views: 2361

Re: Car insurance - increased liability 500k

Another option is to get an umbrella policy. An umbrella policy covers lots of other possible liabilities. My policy requires that I have a certain level of auto liability coverage to begin with (don't remember what, maybe 250 or 300K?). Just a thought..."


I second this....its what i did
by chrisjul
Sat Jan 16, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Ignore the noise
Replies: 16
Views: 2620

Re: Ignore the noise

Mainly due to tax consequences....my basis is so low in this fund that I will owe the Uncle more than I would like to pay now.
by chrisjul
Fri Jan 15, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Ignore the noise
Replies: 16
Views: 2620

Re: Ignore the noise

I tend to agree with William Bernstein. He says that once you have won the game, why continue to play it? I am 8% stocks and feel fine.
by chrisjul
Thu Jul 30, 2015 8:52 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 3584

Re: Zion, Bryce, Grand Canyon Late March

May be a bit of driving but its nice all drives. Zion is my favorite Natl park.....you will love this trip.
by chrisjul
Sun Jun 21, 2015 8:42 pm
Forum: Personal Consumer Issues
Topic: Anyone Install a new shower lately?
Replies: 16
Views: 2356

Anyone Install a new shower lately?

I am remodeling my master bath and will install new shower fixtures. The options are overwhelming...any experience here?
by chrisjul
Sun May 03, 2015 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plan for grandson
Replies: 10
Views: 1683

Re: 529 plan for grandson

No need to pay a fee IMHO.

I went with the NY plan for my granddaughter.

Good luck
by chrisjul
Fri Feb 27, 2015 11:16 pm
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 122
Views: 19250

Re: Is a generator worth it?

I live in S FL and have endured multiple hurricanes including Wilma who did $130K damage to my home in 10 seconds.

I used to have a generator but sold it .....more trouble than they are worth.
by chrisjul
Sun Jan 04, 2015 8:40 pm
Forum: Investing - Theory, News & General
Topic: Boglehead theory on p2p lending?
Replies: 53
Views: 9909

Re: Boglehead theory on p2p lending?

I invested $2500 and the first year, up 6.5%. I choose my own (conservative) loans. I currently am averaging over 7%.

Good luck.
by chrisjul
Fri Aug 29, 2014 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting an Annuity
Replies: 1
Views: 601

Inheriting an Annuity

What are the issues associated with inheriting an annuity?

I am in the process of inheriting one and do not know much about the tax issues or the strategies associated with dealing with it..Cash it in or take the payments. I am not sure how to analyze the issues.

Tks in advance!
by chrisjul
Wed Apr 16, 2014 9:17 am
Forum: Investing - Help with Personal Investments
Topic: 85 yr old dad making financial moves
Replies: 7
Views: 1952

Re: 85 yr old dad making financial moves

Tks for the test. I will do this.
by chrisjul
Sun Apr 13, 2014 10:38 am
Forum: Investing - Help with Personal Investments
Topic: 85 yr old dad making financial moves
Replies: 7
Views: 1952

Re: 85 yr old dad making financial moves

Jazztonite predicted the future: " Like your father, they were "losing it." My Dad was doing things like walking into his bank and telling a guy in suit that he had some money to invest, and what would he recommend? Dad wound up putting tens of thousands of dollars into high commission products. It ...
by chrisjul
Sat Apr 12, 2014 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: 85 yr old dad making financial moves
Replies: 7
Views: 1952

85 yr old dad making financial moves

I found today that my Dad, who is losing it rather quickly, has recently made a sizable investment with "FTB Advisors". I believe this is a wealth management organization associated with First Tennessee Bank. He has asked for my help in "organizing" his finances. He does not recall where his financi...
by chrisjul
Sat Mar 15, 2014 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Online Wills
Replies: 27
Views: 3675

Online Wills

I am 62 and my wife and I don't have wills.

We have 2 sons to split everything equally.

I am thinking an online will is fine..

Would appreciate your input. Do I need an actual attorney to draw it up or is the online product fine?

Tks in advance!
by chrisjul
Sat Mar 01, 2014 7:29 pm
Forum: Personal Consumer Issues
Topic: Advice needed on problem neighbors
Replies: 30
Views: 3978

Re: Advice needed on problem neighbors

Advice, yes......Lighten UP!
by chrisjul
Thu Jan 30, 2014 4:24 pm
Forum: Personal Consumer Issues
Topic: SUV Vs Sedan
Replies: 50
Views: 7268

Re: SUV Vs Sedan

"Safer"????

Review rollover statistics of SUVs vs sedans.
by chrisjul
Sat Jan 25, 2014 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: How did you transition from saving mode to spending mode?
Replies: 15
Views: 2299

Re: How did you transition from saving mode to spending mode

Not a problem....the transition was the whole point of the long term plan...spending is fun part
by chrisjul
Fri Jan 10, 2014 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: How to weather the upcoming bond crash in my 401k
Replies: 86
Views: 9515

Re: How to weather the upcoming bond crash in my 401k

Well, you will find this an interesting but consistent group. I suspect they will recommend that you "stay the course" regardless of bond performance. I would suggest that you also seek other opinions also. The bond allocation recommended here may disappoint you over the short term. I think you migh...
by chrisjul
Thu Jan 09, 2014 9:30 pm
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 6144

Re: Mini Cooper or Fiat 500?

Neither. Check JD Powers and Consumer Reports.

Go with Miata.
by chrisjul
Fri Jan 03, 2014 8:42 pm
Forum: Investing - Theory, News & General
Topic: spending in retirement?
Replies: 43
Views: 7004

Re: spending in retirement?

My spending went UP and dramatically UP…but I was prepared for it.

I had no time to travel or really do anything when I was working….now I do.