Search found 1546 matches

by sperry8
Tue Jun 12, 2018 5:50 am
Forum: Investing - Help with Personal Investments
Topic: Purepoint now 1.6%
Replies: 16
Views: 2373

Re: Purepoint now 1.6%

socal777 wrote:
Mon Apr 09, 2018 9:07 pm
Popular Direct is 2.0% APR
SlowMovingInvestor wrote:
Thu May 31, 2018 1:13 pm
Purepoint now 1.9%
And Vanguard Prime Money Market now at 1.95%. Of course that isn't FDIC insured. I'm in all 3 actually. Not in any other online banks... see no reason to be in any lower than 1.9%.
by sperry8
Thu May 24, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America ATM card not working internationally
Replies: 38
Views: 2515

Re: Bank of America ATM card not working internationally

And this is why I always travel internationally with two debit cards from two different banks. I have had instances where one didn't work in one country - and it saved me a lot of hassle to have the other handy. I realize this won't help the OP today, but it's a worthy reminder for those reading thi...
by sperry8
Sun May 20, 2018 11:51 am
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 26
Views: 3314

Re: more rotten service from Vanguard [ACH transfer, fund availability]

Side note: I refuse to use any voice recognition system for authentication. Vanguard has it. I believe Fidelity does too. There is software such as Lyrebird or Adobe Audition (relevant article with example video: Popular Mechanics: New Software Allows You To Synthesize Speech In Any Voice ) where, ...
by sperry8
Thu May 17, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 26
Views: 3314

Re: more rotten service from Vanguard

Used the voice identification system and when I got the rep she claimed I had to go through the system again; this is the second time there alleged system designed to speed things up hasn't worked do you know that if you ACH money from Vanguard to your bank it's available once the funds hit your ba...
by sperry8
Thu May 17, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 94
Views: 5390

Re: Termination of transfers from SPG and Marriott to airlines?

I had a question which is sort of related to this thread. Can the Free Mariott night certificate (Category 5) be used with Starwood Hotels too if you book prior to August (but for an August stay) ? I know that Mariott and SPG are supposed to align up in August, but I'm not sure what happens to free...
by sperry8
Sun May 13, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market instead of bond fund
Replies: 40
Views: 5165

Re: Vanguard Prime Money Market instead of bond fund

livesoft wrote:
Sun May 13, 2018 2:12 pm
For how long? You can chart the total return of VBTLX and VMMXX and see that VBTLX outperforms in the long run.
That was in a bond bull market. Perhaps if the bear is here... history won't look like the future?
by sperry8
Sun May 13, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Mercedes Benz Demand Notes 1.6%
Replies: 23
Views: 5359

Re: Mercedes Benz Demand Notes 1.6%

These yield 2.53% APY now. How long are you required to hold the note for? Or is it liquid like a mm?
by sperry8
Fri May 11, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4643

Re: Which City to spend 4-6 weeks?

I have been thinking about spending 4-6 weeks in one of the European cities next year (But also open to other parts of the world if it made sense). Most likely it will be from May 15 through June 15-30 (but I am flexible on that). I am looking for recommendations for cities that are able to meet fo...
by sperry8
Fri May 11, 2018 11:13 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 180
Views: 29330

Re: Ally online savings now at 1.60%

With Popular Direct at 2% I don't see why these 1.6% accounts are so popular. $5,000 minimum, a $4 fee if the account falls below $500, a $5 dormancy fee, a $25 early account closing fee. TOD and ACH limitations. Bad reviews on Depositaccounts.com I get that these issues may be irrelevant for many ...
by sperry8
Fri May 11, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 180
Views: 29330

Re: Ally online savings now at 1.50%

Ally raised it's rate to 1.60% APY today. Also raised their CD rates.
by sperry8
Wed May 09, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Newb: Money Market Fund (VMSXX) vs high yield savings online banking for E-fund?
Replies: 15
Views: 2312

Re: Newb: Money Market Fund (VMSXX) vs high yield savings online banking for E-fund?

Curious as to where I should park my emergency fund - currently around $100K. I use USAA at the moment but have been researching the high-yield online banking savings accounts like Ally (pays 1.5%), Goldman Sachs (Marchs @ 1.6%) etc... Is there a good reason to pick one over the other? Thanks, Bill...
by sperry8
Mon May 07, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 180
Views: 29330

Re: Ally online savings now at 1.50%

I've still got a couple 1.75% no penalty CD's, which are still seem competitive with (non-muni) money markets. At Fidelity, the best (non-muni) MM is around 1.5% for the prime money market (net of fees). Alternatives @ Fidelity would be 3mo T-bills directly or an ETF like BIL or SHV. However, the s...
by sperry8
Fri May 04, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 78
Views: 10845

Re: Replacement for Google Finance price quote function

Scraping data from bigcharts per this post worked for me for quite a while, but lately it has totally stopped working. Anyone else experience this? Anyone have any ideas? Thanks! Not sure - it's still working for me. Every once in a while, there's a hiccup, but only for some funds. Looking into thi...
by sperry8
Fri May 04, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Too much cash - what to do?
Replies: 16
Views: 2521

Re: Too much cash - what to do?

If you earmark $30K of that for the car you are going to buy then that leaves $90K. Maybe $40K of that would be your emergency fund so you would want to leave that in the savings account, or something similar. That leaves you $50K to to figure out what to do with. I would just use that for a larger...
by sperry8
Thu May 03, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4272

Re: Ally asking CURRENT customer to provide SSN card?

This conversation occurred via online chat? When the customer service rep said you needed to provide a copy of the SS card ,that's when I would have politely ended the chat and called via phone and ask for a clarification from a supervisor. While I don't suspect anything nefarious, a simple call to...
by sperry8
Wed May 02, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10542

Re: Have you quit eating sugar? Tell me how!

Why limit your intake of whole fruit? Ever meet a fat person that blames it on too many bananas? I guess if eating fruit leads you to eating candy then I can see why you would want to limit your intake. Exactly. There is nothing wrong with sugar that comes packaged without mans touch. However, when...
by sperry8
Tue May 01, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 60
Views: 7738

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

I use the Ally no-penalty 11-mo CD as liquid cash (since it is after the first week of opening) and don't want to lock the money in for any period for around 20 bps. I will move it if a consistent savings/money market is at least 2% Just MHO. I do need to up my taxable muni bond ETF allocation so y...
by sperry8
Tue May 01, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: I-bond fixed rate = 0.3%
Replies: 62
Views: 7410

Re: I-bond fixed rate = 0.3%

When I log in as of today and see my i Bonds from 2012 and 2013 it shows a 2.48% interest rate. That would suggest a .26% fixed rate. Seems odd to me - shouldn't it be .2%?
by sperry8
Sun Apr 29, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Buying primecap now - a mistake?
Replies: 14
Views: 1504

Re: Buying primecap now - a mistake?

The majority of the times I've bought active funds because they had outperformed competitors for decades, had "team" management, etc. etc. they've underperformed going forward. Until I gave up on them many years later, at which point they started outpeforming again. I would say to set your exit str...
by sperry8
Sun Apr 29, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10861

Re: Nomadic lifestyle in their 50s

I have found hotel miles to be invaluable. We generally find a low cost place to stay when we vacation - but usually for the last couple of days we will consider using hotel miles to get a nicer hotel. For instance last year in Vienna, we moved from a decent lower cost place to a hotel on the Rings...
by sperry8
Sun Apr 29, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Buying primecap now - a mistake?
Replies: 14
Views: 1504

Re: Buying primecap now - a mistake?

I can't speak to the top or bottom of where we are now. No one knows. What I can say is the Primecap team is one of the best teams I own. They have outperformed the market for over a decade. So if you do choose to go active, I'd highly recommend them. Most Bogleheads are purists however and would no...
by sperry8
Thu Apr 26, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: Is there any app/software that neatly tells you daily gains/losses?
Replies: 19
Views: 1830

Re: Is there any app/software that neatly tells you daily gains/losses?

I would like to build a portfolio of various things some of which I own and some not, and track profit or loss since the beginning fake purchase date for each item. It is difficult to do this with Excel if one wants to reinvest dividends. Is there something out there that will let me do this on a w...
by sperry8
Wed Apr 25, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Should I open a Goldman sachs 1.6% savings account?
Replies: 23
Views: 1901

Re: Should I open a Goldman sachs 1.6% savings account?

Vanguard's VMMXX Prime Money Market is paying 1.8% SEC yield and the Municipal Money Market fund is paying 1.55%. I recently transferred most of my savings account at ALLY to money market funds with the recent increase in yields. +1 - this or Popular Direct @ 2% are the way to go. Either way you wi...
by sperry8
Wed Apr 25, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Is there any app/software that neatly tells you daily gains/losses?
Replies: 19
Views: 1830

Re: Is there any app/software that neatly tells you daily gains/losses?

You can set up a portfolio using Yahoo Finance, or roll your own spreadsheet in Google Docs using "=GOOGLEFINANCE" commands to download share prices in real time. Yup, this is what I do as well. Google Sheets with GoogleFinance commands. Updates daily (or overnight). Each day I can waste 15 minutes...
by sperry8
Wed Apr 25, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab international ATM (worth the hard credit pull)
Replies: 25
Views: 1833

Re: Charles Schwab international ATM (worth the hard credit pull)

I travel internationally a few times a year. The ATM fees are minimal ($10-15 over the course of the year) so I don't worry about it. I don't care to open/track a new account for such small potatoes. That said, I absolutely keep a CC with no foreign transaction fees. Obviously, you don't travel to ...
by sperry8
Wed Apr 25, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 103
Views: 19190

Re: Ally Bank No penalty CD for parking cash, is there a catch?

True. That would earn me about $39 per year more on every $10K in the bank. Yesterday my sweetie and I spent exactly $39 on sandwiches and a couple of beers. SPGI has been near the top in interest rates since I opened the account, probably over 5 years ago. I don't know how long People's Direct wil...
by sperry8
Tue Apr 24, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 53
Views: 8568

Re: Anyone used Zelle?

I've used Zelle. I have a friend who won't use Paypal and I finally got him to agree to try Zelle. He signed up and once he entered his email I was able to send him money easily.

I'd use it to pay rent however they cap the daily limit at $2,500. Too small for rent in a large city.
by sperry8
Tue Apr 24, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 103
Views: 19190

Re: Ally Bank No penalty CD for parking cash, is there a catch?

No catch. But the rate is unremarkable. My online savings account at SFGI is earning 1.61%. And switching to Popular Direct would get you 2% APY. A few minutes of your time and it's done. True. That would earn me about $39 per year more on every $10K in the bank. Yesterday my sweetie and I spent ex...
by sperry8
Tue Apr 24, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 129
Views: 20260

Re: Is it time to dump high yield savings for prime money market?

When I compare high yield saving account - max you can get is 1.8% - taxable Look at I-bonds, paying currently at 2.48%, tax deferred until you sell - no state/local tax. so why putting in a bank ? There are caps re the amount one can put into i-bonds annually. Above that, you need to put it somewh...
by sperry8
Tue Apr 24, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 103
Views: 19190

Re: Ally Bank No penalty CD for parking cash, is there a catch?

No catch. But the rate is unremarkable. My online savings account at SFGI is earning 1.61%. And switching to Popular Direct would get you 2% APY. A few minutes of your time and it's done. True. That would earn me about $39 per year more on every $10K in the bank. Yesterday my sweetie and I spent ex...
by sperry8
Tue Apr 24, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 103
Views: 19190

Re: Ally Bank No penalty CD for parking cash, is there a catch?

protagonist wrote:
Tue Apr 24, 2018 9:40 am
No catch. But the rate is unremarkable.

My online savings account at SFGI is earning 1.61%.
And switching to Popular Direct would get you 2% APY. A few minutes of your time and it's done.
by sperry8
Fri Apr 20, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 11633

Re: New retirees: so whatdayathink ?

Long time lurker, just registered so this is my first post. I retired about 2 months ago (at age 59), due in no small part to what I have learned here over the years. I transitioned to part time a few years ago and gradually ramped down until I was half time for the year prior to retiring. Having m...
by sperry8
Fri Apr 20, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 103
Views: 19190

Re: Ally Bank No penalty CD for parking cash, is there a catch?

As mentioned in other threads, Vanguard's Prime Money Market fund is now yielding 1.78%. Exactly. The Ally no-penalty CD is no longer competitive for short-term cash. You can open a trust account at Vanguard. Another option is Popular Direct savings paying 2.00% APY. https://www.depositaccounts.com...
by sperry8
Fri Apr 20, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Selling a car: how to get paid?
Replies: 69
Views: 5673

Re: Selling a car: how to get paid?

Car sale newbie question here... I never sold a car before and have just been reading about the process a bit. I wonder about the best reasonable approach to assure that I get paid in a private transaction, before giving the title. Articles I read suggest getting a cashier's check and verifying it ...
by sperry8
Fri Apr 20, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 99
Views: 14270

Re: What online bank do you use?

As of today Popular Direct which offers 2% APY and Vanguard Municipal Money Market, which is an effective yield of 1.99% for those in the 22% bracket (better if higher). I use Ally Bank as my main online hub bank (to push/pull monies around) and hold an online checking account there as well. I only ...
by sperry8
Thu Apr 19, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: care.com -- any reviews / experience?
Replies: 14
Views: 1213

Re: care.com -- any reviews / experience?

I have been able to cancel quite easily after joining. I did it online, no phone call or hard sell required. I have hired a caregiver for my father (eldercare) and house cleaning personnel. All were excellent. I highly recommend Care.com. However, understand you get out of it what you put into it. ...
by sperry8
Wed Apr 18, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 16010

Re: Is Los Angeles a good place long term to live financially?

OP - why must you make this a "rest of your life" decision? Why not go to LA and try it out? Rent for a year and see if you like it. I lived there and it has good points and bad points just like every other place on the planet. But some people find they like the good points a lot and the bad points ...
by sperry8
Wed Apr 18, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: care.com -- any reviews / experience?
Replies: 14
Views: 1213

Re: care.com -- any reviews / experience?

Wondering if anyone has experience using care.com to find a caregiver. Based on a fairly quick internet search, many of the negative reviews seem to stem from complaints about the company's auto-renewal policy. I could see how this is a nuisance, though the company's justification is that it avoids...
by sperry8
Wed Apr 18, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 94
Views: 5390

Re: Termination of transfers from SPG and Marriott to airlines?

6x points on in-hotel and 3x on restaurants/air I have to admit I am not too impressed with the 3x bonus category especially for a premium card. There are lots of cards that give bonuses in those categories. Amex Plat (which I hold) gives me 5x Amex MR on airline purchases which to me is much bette...
by sperry8
Wed Apr 18, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: How do I properly calculate taxable yield for Vanguard Municipal Money Market?
Replies: 9
Views: 724

Re: How do I properly calculate taxable yield for Vanguard Municipal Money Market?

I've always disliked that places bump up the yield of tax-exempt things to make it look better. I prefer to bump down the yield of taxable things to show me what I'm really getting to invest and/or spend. Good point. So assuming 24% 2018 bracket (marginal), then Vanguard Prime MM (VMMXX) 1.79% beco...
by sperry8
Wed Apr 18, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Google sheets not pulling stock prices
Replies: 21
Views: 2463

Re: Google sheets not pulling stock prices

Is there a way to pull in 7 or 30 day SEC Yield into a google spreadsheet? For example, it's shown here for Vanguard Prime MM (VMMXX) as 1.78% (a/o today) https://personal.vanguard.com/us/funds/snapshot?FundId=0030&FundIntExt=INT&ps_disable_redirect=true&funds_disable_redirect=true I perused this ( ...
by sperry8
Wed Apr 18, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: How do I properly calculate taxable yield for Vanguard Municipal Money Market?
Replies: 9
Views: 724

Re: How do I properly calculate taxable yield for Vanguard Municipal Money Market?

Here's just some basic education in tax-equivalent yields for any lurkers, and then some more info related to your specific question. Suppose you are contemplating putting $1000 away for one year. And your choices are a taxable savings account and a tax-free municipal money market. The taxable acco...
by sperry8
Wed Apr 18, 2018 7:05 am
Forum: Investing - Theory, News & General
Topic: How do I properly calculate taxable yield for Vanguard Municipal Money Market?
Replies: 9
Views: 724

How do I properly calculate taxable yield for Vanguard Municipal Money Market?

Hello all, In another thread I learned of the potentially "high" rates for Vanguard's Municipal Money Market fund (VMSXX) which may make it better for me vs Vanguard Prime Money Market on an equivalent basis. It currently has a 1.48% yield, but I need to calculate it for "taxable" to see which is be...
by sperry8
Wed Apr 18, 2018 6:29 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 180
Views: 29330

Re: Ally online savings now at 1.45%

Is this a free lunch compared to VMMXX even for those in the 22% federal tax bracket? 1.48%/0.78 = 1.89% vs VMMXX's current 1.78% yield. Am I missing something? Wild. I was just about to move monies into Prime Money Market and stumbled upon this. I too am in the 22% bracket for 2018. But of course ...
by sperry8
Tue Apr 17, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 94
Views: 5390

Re: Termination of transfers from SPG and Marriott to airlines?

Interesting then the value of the premium card to me would really come down to what value is extracted from the 50k free night. I am not sure I want to hold a $450 card to collect say a $250 free night + $300 refund. But if one is staying at SPG anyway I can see the appeal. For me without status (f...
by sperry8
Tue Apr 17, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 94
Views: 5390

Re: Termination of transfers from SPG and Marriott to airlines?

(2 nights paid to get the $300 credit) It is not clear to me that the credit can be used for your lodging costs. If it is I agree this card may have value but if it is for incidentals (meals, spa treatments, whatever) then it has a lot less value to me at least. Room/lodging charges are eligible (t...
by sperry8
Tue Apr 17, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 180
Views: 29330

Re: Ally online savings now at 1.45%

I guess they are going to lag for a while. Vanguard Muni Money Market SEC yield is 1.48%. It's an easy decision to go for tax free yield over the same taxable yield. Is this a free lunch compared to VMMXX even for those in the 22% federal tax bracket? 1.48%/0.78 = 1.89% vs VMMXX's current 1.78% yie...
by sperry8
Tue Apr 17, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 94
Views: 5390

Re: Termination of transfers from SPG and Marriott to airlines?

The Luxury card is just not appealing at all. $450 AF minus $300 hotel credit = $150 AF with pretty much the same earning as the $95 card. For airline miles, CSR and Citi Prestige earn more miles. Both CSR and Prestige earn more at hotels/air/restaurant even with the SPG/Marriott 1.25 transfer bonu...
by sperry8
Tue Apr 17, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 180
Views: 29330

Re: Ally online savings now at 1.45%

I guess they are going to lag for a while. Vanguard Muni Money Market SEC yield is 1.48%. It's an easy decision to go for tax free yield over the same taxable yield. Is this a free lunch compared to VMMXX even for those in the 22% federal tax bracket? 1.48%/0.78 = 1.89% vs VMMXX's current 1.78% yie...
by sperry8
Tue Apr 17, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: How long for irs to pull from checking
Replies: 13
Views: 1687

Re: How long for irs to pull from checking

If I need to pay 40k for my estimated taxes while filing an extension to wait on a K1 for my partnership income, will that money need to be in my checking account tomorrow if I file electronically? I have most of my money in no penalty CDs and need a few days to get it to my checking. I filled out ...