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tbradnc

Same here. I was feeling remorse for locking a bunch of money up in 6 year 3.34% CDs when rates ticked up towards 4% last year - no remorse today.

tbradnc

As you step through the application you're offered the following choices: I'm guessing you picked the 3rd option? RECEIVING YOUR DOCUMENTS Please select your choice for signing and saving a copy of your documents: [ ] Electronically sign and download the documents. (fastest) [ ] Print the documents ...

tbradnc

Cool. Did you buy a CD? My ACH from Vanguard went into member share, not into checking. My wire from Fidelity went into member share, but that's before I had a checking account. Will test wire from Vanguard on Monday (I reset my deposit day to 7th). Minimum for Vanguard wire online is $1,000, minim...

tbradnc

Wire showed up 4 minutes after being sent from Ally - at 3:33 PM EST. I submitted the wire request to Ally at 8:00 AM. They didn't send it until 3:29 PM EST.

Sent to member number and money went into checking account as others have said.

tbradnc

Seems like I read somewhere this deal is good through 11/30 - is this correct?

tbradnc

I'm sending a huge amount.

tbradnc

Got my checking account number via secure message sent from website in less than 2 hours.

tbradnc

That was going to be a followup question - so I can wire money from Ally to PSECU just using my member number?

Way easier.

tbradnc

Just created my login and need to link Ally. Is your PSECU checking account number your member number followed by 0002?

tbradnc

Don't forget seeds and broad spectrum antibiotics.

tbradnc

Sequence is great fun. We play it almost every time the family gets together.

https://en.wikipedia.org/wiki/Sequence_(game)

tbradnc

Penfed raised certificate rates effective December 1, 2018.

https://www.penfed.org/accounts/money-m ... ertificate

Good timing for those of us who bought 3% certificates 5 years ago this month. I'm going to buy a good slug of 1 year certs at 2.8% and see what happens over the next 12 months.

tbradnc

Too late to do anything now but I joined and purchased a CD. No hard pull for sure.

tbradnc

When I buy CDs I buy several small certificates instead of 1 large one... Ten $10k certs instead of one $100k cert. That way if I have/want to break one I don't have to eat the EWP on the entire amount - unless I break them all.

tbradnc

I was able to login at 4:17 EST.

tbradnc

bligh wrote: ↑Fri Feb 02, 2018 3:53 pm These delighted posts will look so sad if this is the start of a deep, multi year bear market.

I've been shaking my head thinking the same thing as I've read through these posts.

tbradnc

As long as one has earned income, is there any reason to stop contributing to tax-advantaged accounts in retirement? thanks, My wife and I both continue to contribute to our Roth's post-retirement with earned income from side hustles we've got. We don't need the money to pay current expenses so whe...

tbradnc

Larry Swedroe is talking up the alternatives in his columns and has been doing so for the last 2-3 years. His firm is recommending these products as well. Larry has substantial investments in these funds, so no doubt about his sincerity. He is putting is money where his mouth is. Again, reasonable ...

tbradnc

Joejoe00 wrote: ↑Mon Jan 22, 2018 8:13 am Has anyone tried SLING TV?

We've tried Sling, Playstation Vue, and DTV. Where we live DTV is the better of the 3 and we're grandfathered in pricewise on a package that cost 2x as much now so we'll stick with DTV.

tbradnc

You're going to get all kinds of replies on this one. We got rid of cable a few years ago and still spend roughly the same as when we had cable but we're in control. The monthly charges are the same every month, we can cancel a streaming service with a few mouse clicks, and we don't have to call eve...

tbradnc

I certainly agree with the effect of condensation on the gas. Would it not be beneficial to use an additive to the gas periodically to counteract this? Why then does MB not recommend this additive? I know they have additives to buy in the parts dept. If I continue to use BJ's gas, is it not advisab...

tbradnc

mega317 wrote: ↑Sun Jan 14, 2018 12:14 am
tbradnc wrote: ↑Mon Jan 08, 2018 9:55 pm 9 rewards checking accounts
9! How many monthly debit card transactions is that?

104.

Take less than an hour. I typically do it the first day of the month over a cup of coffee or 2...

tbradnc

One more thing. Don't forget to supply water for the birds (especially in the winter months). You don't need to buy a heater for the birdbath (if you have one). I purchased a rubberized container decades ago that is normally used for farm animals I believe. I can break out the ice and not destroy t...

tbradnc

My understanding is that banks who offer lower rates on CDs simply don't need the money - they have plenty of cash/liquidity.

These banks have smart people who know how to use the internet - they've heard of depositaccounts.com, bankrate.com, etc. etc.

tbradnc

My wife makes suet out of crunchy peanut butter and Crisco shortening.

I've almost eaten it several times thinking it was some kind of candy. And while it probably tastes gross I bet it'd keep you alive for a long time.

tbradnc

Pretty good! But consider there's a 14 year old around here somewhere with $5,000,000 wondering if he's doing OK...

tbradnc

My wife moved her LMCU HSA to the new investment platform Monday and the final step of the process was completed this morning. I'll move mine next week. The interface is nicely done and easy to navigate. Adding new funds, performance, rebalancing, and moving funds back to the LMCU HSA savings accoun...

tbradnc

Have health insurance, house and cars are insured, have flood insurance and there's the umbrella policy backing those up.. While I guess it's not possible to predict what the emergency will be I hope that I'll have some type of insurance to cover it. Being retired with a bit of time on my hands I ma...

tbradnc

LMCU vs. Lively To keep it simple, Lively seems to be the best HSA available right now. The new offerings from LMCU seem to be a happy development for bogleheads already connected to LMCU because of it's rewards checking account. Right-o. My wife and I are both (separately) members of LMCU each wit...

tbradnc

I certainly prefer "unactionable" "I finally reached a million and I want to share the excitement, it's too dangerous to tell family and friends so let me share it with you Bogleheads!" threads vs "actionable" "I am 14 years old and have 5 million dollars, am I do...

tbradnc

If your car is stolen you'll wish you had comprehensive and with a $1k deductible it is very cheap.

tbradnc

After pondering this question myself a few years ago I selected Vanguard Intermediate-Term Bond Index Fund Admiral Shares as my sole bond fund, deeming it 'close enough'. The other 50% of my bond allocation is in CDs. This index fund offers a low-cost, diversified approach to bond investing, providi...

tbradnc

$30 per year. Not $30 per month.

tbradnc

Looks like Lake Michigan Credit Union is adding investment options to their HSA product. Till now their HSA product was free and paid 1% when balance was $5k or more (.5% if under $5k). (edited to add) Link about HSA investment platform here: https://lmcu.org/banking/hsa.aspx Now they've added mutua...

tbradnc

mrsbetsy wrote: ↑Mon Jan 01, 2018 11:44 pm Just finished binge watching Longmire. While the ending is satisfying, I am sad it is over.

Yes, good ending. I like it when a series ends with clarity instead of leaving it open to interpretation (think Sopranos).

tbradnc

I think you're describing a perception problem.

It's not what others think - it's what you think they're thinking. Maybe that's what you'd think if you saw someone you knew doing the same and you're transferring that to everyone else.

tbradnc

Godless, Ozark, Stranger Things, The Ranch.

Happy Valley and Peaky Blinders - use subtitles for these.

Also checkout www.instantwatcher.com

tbradnc

Could you please show a chart of the next 42 years?

tbradnc

I'm 56 and left the work-world a little over 4 years ago. To me, retirement means I can do the things I've dreamed of doing but couldn't because of work obligations. It doesn't mean I'm sitting around bored with nothing to do, fondly remembering sitting at my desk working and wishing I could go back...

tbradnc

I believe you can only link 3 external banks to Synchrony - Ally allows up to 20.

tbradnc

The 2nd million is easier... (referencing another thread)

tbradnc

I've used Ancestry DNA and 23andMe and the results were very close - close enough that there's no need to get both if you're just interested in your geographical pedigree. With either service you can download your results and upload them here: https://promethease.com/ to get enough health informatio...

tbradnc

Yeah... I dunno. I'm going to stick with FreeDNS because of how they operate. I used Google's 8.8.8.8/8.8.4.4 and my ISP's DNS servers before switching and even if FreeDNS comes in last I can't tell the tiniest difference between their servers and Google's or my ISPs. Never had a problem with name r...

tbradnc

The Hall tax in TN is being phased out at a rate of 1% per year and in 2022 TN will join the few other states that have no personal income tax at all. http://www.tennessean.com/story/news/politics/2016/05/20/gov-bill-haslam-signs-hall-income-tax-cut-repeal-into-law/84044810/ https://taxfoundation.or...

tbradnc

I use FreeDNS. Open, free, public, uncensored, no redirects, and no logging.

https://freedns.zone/en/

tbradnc

Why would Vanguard's outlook be more predictive than anyone else's?

tbradnc

Married 32 years to the same spouse, raised 3 kids.

"Don't believe everything I think." and "I don't have to say everything I think."

Works very well for me.

tbradnc

I don't make the rules but I play by them. Our ACA plan for the past 3 years has cost us $0.00 per month and I've funded our HSAs to the max. (same BC/BS plan (Bronze S07) the last 3 years) It helps that we've been blessed with good health and very, very seldom go to the doctor. I think between my w...

tbradnc

Lake Michigan Credit Union offers a free HSA that pays 1% for balances of $5k+. https://www.lmcu.org/banking/savings/savings_hsa.aspx

Not a super-high rate but 100% free and easy-peasy. I transferred our HSAs from HSA Administrators over a year ago and it was painless.

tbradnc

No No No.....Never buy an extended warranty. Worked in the industry for a bit many years ago and we were always told to push these products. But if you are thinking about it that is a decent price. Having spent almost my entire career in the ground transportation business I'd add all they are is an...

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