Search found 1507 matches

by tbradnc
Fri Jun 22, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 40
Views: 3917

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.
by tbradnc
Mon Feb 05, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 16847

Re: Vanguard site is crashed now?

I was able to login at 4:17 EST.
by tbradnc
Fri Feb 02, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6750
Views: 1466582

Re: U.S. stocks in freefall

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. :shock:
I've been shaking my head thinking the same thing as I've read through these posts.
by tbradnc
Mon Jan 29, 2018 9:07 pm
Forum: Investing - Theory, News & General
Topic: continuing to contribute to ira/roth in retirement?
Replies: 6
Views: 1059

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...
by tbradnc
Mon Jan 29, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rising Rates Increase Worries
Replies: 86
Views: 14281

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 ...
by tbradnc
Mon Jan 22, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 3243

Re: Cutting cable

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.
by tbradnc
Mon Jan 22, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 3243

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...
by tbradnc
Sun Jan 21, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Premium gas at BJ's for Mercedes
Replies: 42
Views: 3259

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...
by tbradnc
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: 3292

Re: for those without an emergency fund, what's your plan for an emergency?

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...
by tbradnc
Fri Jan 12, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 2311

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...
by tbradnc
Thu Jan 11, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: why do banks bother offering lousy CD rates?
Replies: 50
Views: 6133

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.
by tbradnc
Thu Jan 11, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 2311

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.
by tbradnc
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: 13035

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... :)
by tbradnc
Thu Jan 11, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 190
Views: 41274

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...
by tbradnc
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: 3292

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...
by tbradnc
Mon Jan 08, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 190
Views: 41274

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...
by tbradnc
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: 12354

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 doing ok? ( ͡° ͜ʖ ͡°)" Oh I do love t...
by tbradnc
Sun Jan 07, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: When to drop comprehensive auto coverage?
Replies: 25
Views: 2896

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.
by tbradnc
Sun Jan 07, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: Corporate bonds vs. Treasuries
Replies: 52
Views: 5489

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...
by tbradnc
Sun Jan 07, 2018 5:58 am
Forum: Investing - Theory, News & General
Topic: Lake Michigan CU HSA - New investment options
Replies: 4
Views: 817

Re: Lake Michigan CU HSA - New investment options

$30 per year. Not $30 per month.
by tbradnc
Sat Jan 06, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Lake Michigan CU HSA - New investment options
Replies: 4
Views: 817

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...
by tbradnc
Tue Jan 02, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 770
Views: 82528

Re: Netflix, Your Current Favorite Show

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).
by tbradnc
Tue Jan 02, 2018 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 14067

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.
by tbradnc
Sun Dec 31, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 770
Views: 82528

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
by tbradnc
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: 7551

Re: Before buying gold, have a look at these returns since 1975

Could you please show a chart of the next 42 years? :)
by tbradnc
Sat Dec 23, 2017 10:41 am
Forum: Investing - Theory, News & General
Topic: Early retirement pros and cons:
Replies: 78
Views: 10388

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...
by tbradnc
Mon Dec 18, 2017 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony vs Ally
Replies: 49
Views: 10877

Re: Synchrony vs Ally

I believe you can only link 3 external banks to Synchrony - Ally allows up to 20.
by tbradnc
Mon Dec 18, 2017 6:20 am
Forum: Investing - Theory, News & General
Topic: The Dog Years Of Investing
Replies: 6
Views: 2147

Re: The Dog Years Of Investing

The 2nd million is easier... (referencing another thread)
by tbradnc
Mon Dec 11, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7870

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...
by tbradnc
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: 2260

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...
by tbradnc
Mon Dec 11, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: States with tax-friendly policies for dividends/LTCG
Replies: 16
Views: 2212

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...
by tbradnc
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: 2260

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/
by tbradnc
Sun Dec 10, 2017 7:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard economic and market outlook for 2018
Replies: 33
Views: 4211

Re: Vanguard's 2018 Outlook has extremely low expected returns

Why would Vanguard's outlook be more predictive than anyone else's?
by tbradnc
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: 14628

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.
by tbradnc
Sun Dec 10, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 55
Views: 4391

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...
by tbradnc
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: 7292

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.
by tbradnc
Fri Dec 08, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Extended warranty on 2018 Outback
Replies: 47
Views: 3432

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...
by tbradnc
Fri Dec 08, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Extended warranty on 2018 Outback
Replies: 47
Views: 3432

Extended warranty on 2018 Outback

Mulling this over and interested in feedback. I purchased a 2018 Outback 3.6R Limited with EyeSight and cold weather package #1 last week. Out the door price was 38,180. The car comes with the usual 3 year, 36,000 mile warranty. We're not car people so we expect to have this car for 10+ years. I can...
by tbradnc
Tue Dec 05, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 12641

Re: 2018 Subaru Outback

Just bought a 2018 Outback last Tuesday. I opted for the 3.6R Limited with EyeSight and cold weather package 1. Very happy with the purchase. Out the door price was $38,180. Purchased in TN - sales tax is off the chain.
by tbradnc
Sun Oct 22, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 3507

Re: Best smartphone

I wonder how long it is going to take to name about every phone available on the market as the recommended phone. I'll name iPhone 6 because I have one and have not yet been moved to buy something else. I clicked on this thread just to see how many people recommended cans connected with string. :) ...
by tbradnc
Sat Oct 14, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1895

Re: Voiceprint technology (for authentication)

One of the best and least talked about online security options is the ability to "Restrict account access from unrecognized devices". Upside: Only the devices you've logged into Vanguard with can get in. Downside: If your recognized device becomes unrecognized (deleting cookies, device dies...) you ...
by tbradnc
Wed Oct 11, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 5006

Re: Wifi Thermostat

3.5 years ago but here's my experience with a Nest and Ecobee SmartSI.

viewtopic.php?t=129619
by tbradnc
Sun Oct 08, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 9023

Re: Do you want your receipt?

I curious if those of you who save receipts also print them at the gas pump. As for me, I save receipts for things that are "receipt worthy" - items I may need to return, gifts the recipient might want to return, service work on home/car/etc, and items I deem expensive but if I buy a coke and a Snic...
by tbradnc
Thu Oct 05, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 346
Views: 44087

Re: MoviePass-Too good to be true, but it's legit.

You have to be within 100 yards of your theater to book a ticket.
by tbradnc
Wed Oct 04, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 346
Views: 44087

Re: MoviePass-Too good to be true, but it's legit.

It works as advertised - so far, so good.
by tbradnc
Tue Oct 03, 2017 8:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 119
Views: 32252

Re: Vanguard's new security key option

The driver behind the Yubikey option seems to be fear of SMS spoofing.

But others have said that you are still presented with the option of receiving a text in case you don't have your Yubikey (or its lost/damaged/whatever).

So what's the point?
by tbradnc
Tue Oct 03, 2017 6:08 am
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 7454

Re: Is it a waste of money having your furnace checked every year?

We get a big 3 color brochure warning us about the need for an annual checkup every year... It takes them about 30 minutes and is an easy $80 for the HVAC company.
by tbradnc
Fri Jun 16, 2017 6:41 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 18238

Re: Anyone else gotten totally bored with investing?

It's a bit like building a house. During construction it occupies your time and thoughts and you're always learning. After the house is complete you move in and slowly but gradually work out the little kinks until that's eventually finished and you're just living in the house. As far as reading inve...
by tbradnc
Sat Jun 10, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Car buying math
Replies: 11
Views: 1795

Re: Help with Car buying math

I'd go with the 2017 as well.