Search found 1520 matches
- Thu Jan 14, 2021 12:15 pm
- Forum: Investing - Theory, News & General
- Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
- Replies: 256
- Views: 47232
Re: Great CD Promo! Andrews FCU 84 mo 3.01%
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.
- Thu Oct 31, 2019 4:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best CD rates thread
- Replies: 857
- Views: 112941
Re: Best CD rates thread
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 ...
- Wed Oct 30, 2019 3:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best CD rates thread
- Replies: 857
- Views: 112941
Re: Best CD rates thread
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...
- Wed Oct 30, 2019 2:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best CD rates thread
- Replies: 857
- Views: 112941
Re: Best CD rates thread
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.
Sent to member number and money went into checking account as others have said.
- Wed Oct 30, 2019 1:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best CD rates thread
- Replies: 857
- Views: 112941
Re: Best CD rates thread
Seems like I read somewhere this deal is good through 11/30 - is this correct?
- Wed Oct 30, 2019 12:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best CD rates thread
- Replies: 857
- Views: 112941
Re: Best CD rates thread
I'm sending a huge amount. 

- Wed Oct 30, 2019 12:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best CD rates thread
- Replies: 857
- Views: 112941
Re: Best CD rates thread
Got my checking account number via secure message sent from website in less than 2 hours.
- Tue Oct 29, 2019 7:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best CD rates thread
- Replies: 857
- Views: 112941
Re: Best CD rates thread
That was going to be a followup question - so I can wire money from Ally to PSECU just using my member number?
Way easier.
Way easier.
- Tue Oct 29, 2019 7:10 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best CD rates thread
- Replies: 857
- Views: 112941
Re: Best CD rates thread
Just created my login and need to link Ally. Is your PSECU checking account number your member number followed by 0002?
- Sun Jul 07, 2019 11:50 am
- Forum: Investing - Theory, News & General
- Topic: [Deleted]
- Replies: 21
- Views: 2871
Re: The Best of Strategies for the Worst of Times: Can Portfolios be Crisis Proofed?
Don't forget seeds and broad spectrum antibiotics.
- Sat Dec 15, 2018 6:29 pm
- Forum: Personal Consumer Issues
- Topic: Adult Games / Board Games - Recommendations
- Replies: 55
- Views: 4648
Re: Adult Games / Board Games - Recommendations
Sequence is great fun. We play it almost every time the family gets together.
https://en.wikipedia.org/wiki/Sequence_(game)
https://en.wikipedia.org/wiki/Sequence_(game)
- Sat Dec 01, 2018 6:14 am
- Forum: Investing - Theory, News & General
- Topic: Penfed raises certificate rates 12/1/18
- Replies: 25
- Views: 3500
Penfed raises certificate rates 12/1/18
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.
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.
- Thu Nov 29, 2018 8:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: 7%, 7 month CD @ Great Lakes Credit Union
- Replies: 7
- Views: 1850
Re: 7%, 7 month CD @ Great Lakes Credit Union
Too late to do anything now but I joined and purchased a CD. No hard pull for sure.
- Fri Jun 22, 2018 2:10 pm
- Forum: Investing - Theory, News & General
- Topic: Maturing Credit Union 3% CD's this year
- Replies: 52
- Views: 6728
Re: Maturing Credit Union 3% CD's this year
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.
- Mon Feb 05, 2018 4:17 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard site is crashed now?
- Replies: 188
- Views: 21301
Re: Vanguard site is crashed now?
I was able to login at 4:17 EST.
- Fri Feb 02, 2018 4:18 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in free fall
- Replies: 21210
- Views: 2878556
- Mon Jan 29, 2018 9:07 pm
- Forum: Investing - Theory, News & General
- Topic: continuing to contribute to ira/roth in retirement?
- Replies: 6
- Views: 1402
Re: continuing to contribute to ira/roth in retirement?
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...
- Mon Jan 29, 2018 9:01 pm
- Forum: Investing - Theory, News & General
- Topic: Larry Swedroe: Rising Rates Increase Worries
- Replies: 114
- Views: 20945
Re: Larry Swedroe: Rising Rates Increase Worries
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 ...
- Mon Jan 22, 2018 8:16 am
- Forum: Personal Consumer Issues
- Topic: Cutting cable
- Replies: 51
- Views: 4567
- Mon Jan 22, 2018 8:13 am
- Forum: Personal Consumer Issues
- Topic: Cutting cable
- Replies: 51
- Views: 4567
Re: Cutting cable
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...
- Sun Jan 21, 2018 7:26 pm
- Forum: Personal Consumer Issues
- Topic: Premium gas at BJ's for Mercedes
- Replies: 43
- Views: 9867
Re: Premium gas at BJ's for Mercedes
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...
- Sun Jan 14, 2018 6:56 am
- Forum: Investing - Theory, News & General
- Topic: for those without an emergency fund, what's your plan for an emergency?
- Replies: 25
- Views: 4003
- Fri Jan 12, 2018 11:12 am
- Forum: Personal Consumer Issues
- Topic: wild bird feed
- Replies: 43
- Views: 3134
Re: wild bird feed
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...
- Thu Jan 11, 2018 10:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: why do banks bother offering lousy CD rates?
- Replies: 50
- Views: 6726
Re: why do banks bother offering lousy CD rates?
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.
These banks have smart people who know how to use the internet - they've heard of depositaccounts.com, bankrate.com, etc. etc.
- Thu Jan 11, 2018 8:09 pm
- Forum: Personal Consumer Issues
- Topic: wild bird feed
- Replies: 43
- Views: 3134
Re: wild bird feed
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.
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.
- Thu Jan 11, 2018 6:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: Is it time for me to "call in rich"?
- Replies: 75
- Views: 14095
Re: Is it time for me to "call in rich"?
Pretty good! But consider there's a 14 year old around here somewhere with $5,000,000 wondering if he's doing OK... 

- Thu Jan 11, 2018 3:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best HSA (2017)
- Replies: 190
- Views: 46688
Re: Best HSA (2017)
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...
- Mon Jan 08, 2018 9:55 pm
- Forum: Investing - Theory, News & General
- Topic: for those without an emergency fund, what's your plan for an emergency?
- Replies: 25
- Views: 4003
Re: for those without an emergency fund, what's your plan for an emergency?
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...
- Mon Jan 08, 2018 4:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best HSA (2017)
- Replies: 190
- Views: 46688
Re: Best HSA (2017)
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...
- Mon Jan 08, 2018 2:42 pm
- Forum: Forum Issues and Administration
- Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
- Replies: 175
- Views: 20468
Re: Help me understand question-less financial status (e.g. "2 comma club") threads.
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...
- Sun Jan 07, 2018 4:03 pm
- Forum: Personal Consumer Issues
- Topic: When to drop comprehensive auto coverage?
- Replies: 25
- Views: 3648
Re: When to drop comprehensive auto coverage?
If your car is stolen you'll wish you had comprehensive and with a $1k deductible it is very cheap.
- Sun Jan 07, 2018 8:05 am
- Forum: Investing - Theory, News & General
- Topic: Corporate bonds vs. Treasuries
- Replies: 52
- Views: 8490
Re: Corporate bonds vs. Treasuries
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...
- Sun Jan 07, 2018 5:58 am
- Forum: Investing - Theory, News & General
- Topic: Lake Michigan CU HSA - New investment options
- Replies: 4
- Views: 1198
Re: Lake Michigan CU HSA - New investment options
$30 per year. Not $30 per month.
- Sat Jan 06, 2018 8:48 am
- Forum: Investing - Theory, News & General
- Topic: Lake Michigan CU HSA - New investment options
- Replies: 4
- Views: 1198
Lake Michigan CU HSA - New investment options
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...
- Tue Jan 02, 2018 6:40 am
- Forum: Personal Consumer Issues
- Topic: [What TV Show Have You Recently Watched?]
- Replies: 2522
- Views: 256056
- Tue Jan 02, 2018 6:37 am
- Forum: Personal Finance (Not Investing)
- Topic: Embarrassment Preventing Retirement Work: A factor for you?
- Replies: 133
- Views: 15446
Re: Embarrassment Preventing Retirement Work: A factor for you?
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.
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.
- Sun Dec 31, 2017 9:12 pm
- Forum: Personal Consumer Issues
- Topic: [What TV Show Have You Recently Watched?]
- Replies: 2522
- Views: 256056
Re: Netflix, Your Current Favorite Show
Godless, Ozark, Stranger Things, The Ranch.
Happy Valley and Peaky Blinders - use subtitles for these.
Also checkout www.instantwatcher.com
Happy Valley and Peaky Blinders - use subtitles for these.
Also checkout www.instantwatcher.com
- Sun Dec 31, 2017 9:07 am
- Forum: Investing - Theory, News & General
- Topic: Before buying gold, have a look at these returns since 1975
- Replies: 84
- Views: 10124
Re: Before buying gold, have a look at these returns since 1975
Could you please show a chart of the next 42 years? 

- Sat Dec 23, 2017 10:41 am
- Forum: Investing - Theory, News & General
- Topic: Early retirement pros and cons:
- Replies: 78
- Views: 12506
Re: Early retirement pros and cons:
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...
- Mon Dec 18, 2017 6:23 am
- Forum: Personal Finance (Not Investing)
- Topic: Synchrony vs Ally
- Replies: 49
- Views: 16678
Re: Synchrony vs Ally
I believe you can only link 3 external banks to Synchrony - Ally allows up to 20.
- Mon Dec 18, 2017 6:20 am
- Forum: Investing - Theory, News & General
- Topic: The Dog Years Of Investing
- Replies: 6
- Views: 2359
Re: The Dog Years Of Investing
The 2nd million is easier... (referencing another thread)
- Mon Dec 11, 2017 10:24 pm
- Forum: Personal Consumer Issues
- Topic: Ancestry / 23andMe
- Replies: 87
- Views: 9898
Re: Ancestry / 23andMe
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...
- Mon Dec 11, 2017 9:41 pm
- Forum: Personal Consumer Issues
- Topic: New Quad9 DNS Service Makes the Internet Safer and More Private
- Replies: 18
- Views: 2791
Re: New Quad9 DNS Service Makes the Internet Safer and More Private
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...
- Mon Dec 11, 2017 7:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: States with tax-friendly policies for dividends/LTCG
- Replies: 16
- Views: 2505
Re: States with tax-friendly policies for dividends/LTCG
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...
- Mon Dec 11, 2017 7:33 pm
- Forum: Personal Consumer Issues
- Topic: New Quad9 DNS Service Makes the Internet Safer and More Private
- Replies: 18
- Views: 2791
Re: New Quad9 DNS Service Makes the Internet Safer and More Private
I use FreeDNS. Open, free, public, uncensored, no redirects, and no logging.
https://freedns.zone/en/
https://freedns.zone/en/
- Sun Dec 10, 2017 7:42 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard economic and market outlook for 2018
- Replies: 33
- Views: 4961
Re: Vanguard's 2018 Outlook has extremely low expected returns
Why would Vanguard's outlook be more predictive than anyone else's?
- Sun Dec 10, 2017 4:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
- Replies: 123
- Views: 16513
Re: What are your big-picture ‘rules of life’ —financial or otherwise?
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.
"Don't believe everything I think." and "I don't have to say everything I think."
Works very well for me.
- Sun Dec 10, 2017 4:05 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can/Should early retiree avoid ACA tax credits?
- Replies: 55
- Views: 5120
Re: Can/Should early retiree avoid ACA tax credits?
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...
- Sun Dec 10, 2017 6:19 am
- Forum: Personal Finance (Not Investing)
- Topic: Alliant Credit Union no longer offering HSA's as of 11/9
- Replies: 56
- Views: 8877
Re: Alliant Credit Union no longer offering HSA's as of 11/9
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.
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.
- Fri Dec 08, 2017 10:13 am
- Forum: Personal Consumer Issues
- Topic: Extended warranty on 2018 Outback
- Replies: 47
- Views: 14317
Re: Extended warranty on 2018 Outback
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...