Search found 379 matches

by EvelynTroy
Wed Nov 06, 2019 8:44 am
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 404
Views: 43989

Re: Best CD rates thread

I ran into an interesting situation opening account at PECU. They wanted a copy of my social security card, which I don't have. I am traveling and I don't have time to go and get a duplicate in person. They wouldn't accept any substitutes like my W2 etc. which has my social security number. Did any...
by EvelynTroy
Mon Oct 28, 2019 1:33 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Referral Bonus - Really Need to Keep for a Year?
Replies: 26
Views: 1747

Re: Charles Schwab Referral Bonus - Really Need to Keep for a Year?

I phoned Schwab a few minutes ago. I was curious about the agreement. I spoke with a representative regarding the rules on the bonus - specifically for a new account deposit of $25K - $50K. You have agreed to keep your funds at Schwab for 12 months after the deposit is made and your receive the $200...
by EvelynTroy
Sat Oct 19, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 404
Views: 43989

Re: Best CD rates thread

Late to this thread wasted time with another CU. Does any one know if this special CD will still be available for another week or two? Blackcat, the CU publishes their rates a week at a time. If you would be purchasing one today on the application page of the website you would see: These rates are ...
by EvelynTroy
Fri Oct 18, 2019 8:34 am
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 404
Views: 43989

Re: Best CD rates thread

I too phoned PSECU and set up the "add-on" feature for my CD purchased 10/9 this morning. Like my other contacts with PSECU - no long wait time, friendly, professional representative, who was patient and not in a rush as I explained back how I understood the add-on worked. A pleasure to do business ...
by EvelynTroy
Wed Oct 09, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 404
Views: 43989

Re: Best CD rates thread

Evelyn, how did you move your money from Schwab to PSECU?
By wire transfer - I get 3 free wires a quarter.
by EvelynTroy
Wed Oct 09, 2019 9:17 am
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 404
Views: 43989

Re: Best CD rates thread

I funded my PSECU savings account and purchased the CD this morning. I had to wait for Money Market funds I sold at Schwab to settle. But all very smooth, and efficient. A pleasure doing business with PSECU. I noticed that on depositaccounts too that it took that person a week to open and fund - mus...
by EvelynTroy
Tue Oct 08, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buying CDs at Vanguard vs Online Banks
Replies: 25
Views: 4940

Re: Buying CDs at Vanguard vs Online Banks

Evelyn, Interesting that you have a company that will manage the trust once your gone. Is this company a legal firm (a group of lawyers)? Are they the same company that wrote the trust for you? I think it's more typical to have a relative/friend as the successor trustee but if that isn't practical ...
by EvelynTroy
Tue Oct 08, 2019 3:26 pm
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 404
Views: 43989

Re: Best CD rates thread

My question - do the terms of the CD start-over each time you make an add-on. Say you added on Nov. 1, 2019 - would your CD terms re-set say for the 24 months starting again on Nov. 1, 2019? No, it does not change. The maturity date and APY stay the same. Thanks. I'm going to do the add-on as well,...
by EvelynTroy
Tue Oct 08, 2019 3:14 pm
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 404
Views: 43989

Re: Best CD rates thread

Anyone joined the PA Recreation & Park Society? How long did that take? Looks like the application has to go via regular mail. As indexfundfan pointed out, joining is part of the process right online - no need to go to the Recreation & Park Soc. website join that, then go back to the PSECU website ...
by EvelynTroy
Tue Oct 08, 2019 1:15 pm
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 404
Views: 43989

Re: Best CD rates thread

I didn't offer a CD offering to the discussion, just thinking anyone could go to depositaccounts.com and see the best rates depending on their needs. I will offer the PSECU (PENNSYLVANIA STATE EMPLOYEES CREDIT UNION) promotion noted above - I completed the application for the share account Mon. afte...
by EvelynTroy
Tue Oct 08, 2019 10:16 am
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 404
Views: 43989

Re: Best CD rates thread

mav12 wrote:
Tue Oct 08, 2019 12:34 am
Rob do you have a link to the Kevin's posts? Thank you
Kevin's blog is here - it is has not been updated, but a wealth of information, in particular for those new to bond and CD investing. Its very good tutorial type writing.

https://www.kevinoninvesting.com/

Evelyn
by EvelynTroy
Mon Oct 07, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Buying CDs at Vanguard vs Online Banks
Replies: 25
Views: 4940

Re: Buying CDs at Vanguard vs Online Banks

From an internet search: "Trusts and individual retirement accounts are complicated. When they converge — for instance, when someone names a trust as a beneficiary to an IRA — things can go very wrong, and that can be very expensive. “The first thing I tell clients to do is not to do it,” says atto...
by EvelynTroy
Thu Oct 03, 2019 6:37 am
Forum: Investing - Theory, News & General
Topic: Selling Brokered CD question
Replies: 14
Views: 747

Re: Selling Brokered CD question

I now have a better understanding of selling the brokered CD that I didn't know before. That is there is a net cost to me when I consider the bid/ask spread. With the low interest rate environment I've decided just leave well enough alone and stick with the 2% and as TylerAspect noted if it gets cal...
by EvelynTroy
Wed Oct 02, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buying CDs at Vanguard vs Online Banks
Replies: 25
Views: 4940

Re: Buying CDs at Vanguard vs Online Banks

Thank you very much LISD for taking time to point this out. I have to double check and see if I knew what I was talking about in the first place, perhaps those I've made the trust the beneficiary of are not IRA CD's maybe just taxable CD's. Any which way I will look carefully at this and make change...
by EvelynTroy
Wed Oct 02, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: Selling Brokered CD question
Replies: 14
Views: 747

Re: Selling Brokered CD question

The problem with selling on the secondary market is that there seemed to be over a 1 percent bid/ask spread "loss" (100 basis points). Dmb, please, I don't know the first thing about spreads. Are you saying that say this CD was $100K that it would cost around $1,000 for me to sell? Thank you. Evelyn
by EvelynTroy
Wed Oct 02, 2019 10:35 am
Forum: Investing - Theory, News & General
Topic: Selling Brokered CD question
Replies: 14
Views: 747

Re: Selling Brokered CD question

Thank you for the replies. Only reason I thought it was a mistake was locking in for 10 years, kind of like possibly big EWP if I should happen to need to sell it at the wrong time, plus to me callable CD's are not the best thing. What I would do because I don't mind shopping for online CD's at cred...
by EvelynTroy
Wed Oct 02, 2019 10:16 am
Forum: Investing - Theory, News & General
Topic: Selling Brokered CD question
Replies: 14
Views: 747

Selling Brokered CD question

Thanks in advance for any direction. In my mind I made a mistake in purchasing this brokered CD - purchased i8/2016, it is a JP Morgan callable, step-up CD - matures 8/2025. It was a 10 yr. CD paying 2% payable Semi-Annually. Now that interest rates are lower the 2% seems competitive, however I can ...
by EvelynTroy
Mon Sep 30, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Buying CDs at Vanguard vs Online Banks
Replies: 25
Views: 4940

Re: Buying CDs at Vanguard vs Online Banks

You're welcome dbc47. To tell you the truth dbc I can't exactly remember if I had to actually send a copy of the trust for their records or not - off the top of my head I don't recall sending it. Suggest phoning a CU or even a bank and asking, but then I suppose different institutions may have diffe...
by EvelynTroy
Mon Sep 30, 2019 2:35 pm
Forum: Investing - Theory, News & General
Topic: Schwab Money Market Fund Expense Ratio??
Replies: 11
Views: 1131

Re: Schwab Money Market Fund Expense Ratio??

Thanks everyone - after my last conversation with the Schwab local rep and asked that the waiver of the ER of 0.34% for Schwab clients she spoke of was what she was saying to please send it to me in writing, i.e. where it is in the prospectus or on Schwab's website. I told her I have to see it to be...
by EvelynTroy
Mon Sep 30, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buying CDs at Vanguard vs Online Banks
Replies: 25
Views: 4940

Re: Buying CDs at Vanguard vs Online Banks

Sorry, I forgot to add one thing when learning how to use depositaccounts.com - You need to get the hang of looking at only those that are typically available nationwide, that is you can see a great sounding CD, but after clicking you discover its only available to citizens in for example Idaho. You...
by EvelynTroy
Mon Sep 30, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying CDs at Vanguard vs Online Banks
Replies: 25
Views: 4940

Re: Buying CDs at Vanguard vs Online Banks

I purchase CD's on a fairly regular basis. I work I guess you could say broadly as opposed to thinking I want to purchase CD's at one or two particular institutions. I have found it very helpful to become familiar with depositaccounts.com - meaning how to look for and then read about the CD's that o...
by EvelynTroy
Fri Sep 27, 2019 4:04 pm
Forum: Investing - Theory, News & General
Topic: Schwab Money Market Fund Expense Ratio??
Replies: 11
Views: 1131

Re: Schwab Money Market Fund Expense Ratio??

Thanks guys. Yes, this is a mystery. I was thinking similar to your replies - if I understand ER's right its not a fee that can be waived number one, and even if it could how could they waive for some clients and not for others. Decided I'm going to get on a mission to solve this, i.e. let me see th...
by EvelynTroy
Fri Sep 27, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: Schwab Money Market Fund Expense Ratio??
Replies: 11
Views: 1131

Schwab Money Market Fund Expense Ratio??

My portfolio is house at Schwab - 3 accounts. I discovered that the Money Market Fund I use, Schwab Value Advantage Money Fund (SWVXX) carries a 0.34% expense ratio. I use this fund if I have excess cash that is in the Cash Account that earns next to nothing interest. I phoned Schwab to make sure I ...
by EvelynTroy
Thu Sep 19, 2019 6:00 am
Forum: Investing - Theory, News & General
Topic: Need etf/fund equivalent to a Vanguard offering
Replies: 2
Views: 392

Re: Need etf/fund equivalent to a Vanguard offering

Thank you for your help. I thought that was correct, but wanted to make sure. I appreciate the reply.
Evelyn
by EvelynTroy
Wed Sep 18, 2019 7:25 am
Forum: Investing - Theory, News & General
Topic: Need etf/fund equivalent to a Vanguard offering
Replies: 2
Views: 392

Need etf/fund equivalent to a Vanguard offering

I'm planning on making small adjustment to my portfolio - after considerable thought. I hold - VMLUX - Vanguard Limited-Term Tax-Exempt Fund Admiral Shares in a taxable Schwab account, a very small amount. I do not have a Vanguard account - any additional purchases or selling will be fairly costly. ...
by EvelynTroy
Tue Sep 17, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 6413

Re: Spreadsheets

I don't have the skills or interest to learn how to create my own spreadsheets. I don't have a need for anything complicated. I use the brokerage account information it provides to track my returns. I use this spreadsheet for rebalancing. It is in Google Sheets, it automatically updates. I eliminate...
by EvelynTroy
Thu Aug 29, 2019 11:42 am
Forum: Investing - Theory, News & General
Topic: CD Rates_Terms advice
Replies: 20
Views: 2301

Re: CD Rates_Terms advice

Another follow-up. I phoned Hughes this a.m. to ask couple questions about the IRA transfer forms they had emailed me. In thanking them for locking in the rate from the time my savings account was opened - the rep mentioned the current advertised promotion rates either IRA or regular certificates wo...
by EvelynTroy
Thu Aug 29, 2019 6:39 am
Forum: Investing - Theory, News & General
Topic: CD Rates_Terms advice
Replies: 20
Views: 2301

Re: CD Rates_Terms advice

Hello, how long does the $25K have to remain in Discover Bank to get the $200 bonus? I know the bonus will be deposited by 10/17. Thanks You are not locked in to any terms in regard to receiving the bonus - you can withdraw your money at anytime after receiving the bonus. If your account is at a ze...
by EvelynTroy
Wed Aug 28, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: CD Rates_Terms advice
Replies: 20
Views: 2301

Re: CD Rates_Terms advice

Thanks FarmBoy for the feedback on your Hughes CU process - sounds good. I was waiting to follow-up here until my account was opened and funded, but thought I'd share this information I learned today. I opened my savings account on 8/26 - easily followed the steps no problems at all. After I submitt...
by EvelynTroy
Sun Aug 25, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 121509

Re: What frugal thing did you do today?

My cat is recuperating from surgery - a broken leg. He received pain medication (a narcotic) for home - dispensed in pre-measured syringes. A total of 4 ml. worth of medication. He receives doses of 0.2 ml. Cost at the specialty hospital $120. He needed a refill - the specialty hospital is 25 minute...
by EvelynTroy
Sun Aug 25, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: Quantifying risk
Replies: 37
Views: 1328

Re: Quantifying risk

For me analytical ways or formulas that come up with numbers to determine levels of risk don't work, probably because to begin with I'm not very mathematical, and also I couldn't begin to figure out expected return on a portfolio. Seems like it always has to involve some sort of predictions. That sa...
by EvelynTroy
Fri Aug 23, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: CD Rates_Terms advice
Replies: 20
Views: 2301

Re: CD Rates_Terms advice

That 3.2% 3-year jumbo IRA at Hughes sounds like a great deal. Will they lock the rate for you when you open the account (and before you transfer funds)? You don't want to be invested at a lower rate because rates dropped during the week or more that it takes to transfer the IRA. The phone reps rar...
by EvelynTroy
Fri Aug 23, 2019 7:02 am
Forum: Investing - Theory, News & General
Topic: CD Rates_Terms advice
Replies: 20
Views: 2301

Re: CD Rates_Terms advice

Thanks everyone for the helpful feedback. That was a good idea Austintatious to buy multiple CD's just in case I would need to early withdraw. As an aside I phoned Hughes CU to ask a couple of questions - there was a phone wait, but you could leave a number for a call-back - they returned my call in...
by EvelynTroy
Thu Aug 22, 2019 11:24 am
Forum: Investing - Theory, News & General
Topic: CD Rates_Terms advice
Replies: 20
Views: 2301

Re: CD Rates_Terms advice

“Early Withdrawal Penalties. We will impose a penalty if you withdraw any of the principal or dividends from your account before the maturity date. The penalty of early redemption shall equal the greater of: • A loss of $35.00 or 90 days dividends on an original term 123 days to 366 days, • A loss ...
by EvelynTroy
Thu Aug 22, 2019 9:59 am
Forum: Investing - Theory, News & General
Topic: CD Rates_Terms advice
Replies: 20
Views: 2301

Re: CD Rates_Terms advice

Thanks Huey - membership is quite easy and reasonable for all - Membership in Hughes Federal Credit Union is open to anyone by making a $10 donation to one of the following community Special Interest Groups: Friends of the Oro Valley Public Library, Friends of the Pima County Public Library, Friends...
by EvelynTroy
Thu Aug 22, 2019 9:28 am
Forum: Investing - Theory, News & General
Topic: CD Rates_Terms advice
Replies: 20
Views: 2301

CD Rates_Terms advice

Now that CD rates have been dropping quite a bit - I'd appreciate readers thoughts. I have had 3 CD's mature in last week - and need to reinvest the proceeds. The best rates I see on depositaccounts.com are: (that have easy membership for me) Hughes Federal IRA account CD: 3.10% APY* 36 Mo. IRA Cert...
by EvelynTroy
Sat Jul 27, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Advice setting up new Roku
Replies: 6
Views: 797

Re: Advice setting up new Roku

Thank you for the replies, very helpful. I apologize for the delay in responding. Homestretch - thanks for the tip about getting a better Roku rather than the Express - I'm thinking on it, not sure I want to spend $50, but the upgrade message is clearly there. And I will take heed, and wipe clean th...
by EvelynTroy
Tue Jul 23, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Advice setting up new Roku
Replies: 6
Views: 797

Re: Advice setting up new Roku

Thanks very much.
Not too big a problem I suppose - just an irritant. I'm thinking perhaps the new Roku will make my normal Netflix, AcornTV better experience.
Ev
by EvelynTroy
Tue Jul 23, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Advice setting up new Roku
Replies: 6
Views: 797

Advice setting up new Roku

Thanks in advance for any direction readers may have to offer. Very old Roku to be replaced by the current model of Roku Express ($24). I would like to stream my Spectrum TV using their app via Roku - it works fine although message indicated upgrade Roku for better experience. I can save $7.50 a mon...
by EvelynTroy
Tue May 07, 2019 5:35 am
Forum: Investing - Theory, News & General
Topic: Charlie Munger_WSJ interview
Replies: 17
Views: 3990

Charlie Munger_WSJ interview

The full transcript of a six hour interview with Mr. Munger, by Jason Zweig and Nicole Friedman of the the WSJ - his philosophies of life, business, and investing. What a wonderful mind - straight forward, and lessons / things to think about far more than investing. This shared link is not behind a ...
by EvelynTroy
Thu Apr 04, 2019 10:51 pm
Forum: Investing - Theory, News & General
Topic: Direction on CD purchase
Replies: 7
Views: 1017

Re: Direction on CD purchase

Westwing - I had also considered these options -
Colorado Federal Savings (online bank) CD- 12 Months @ 2.86% - 3 mo. EWP
4 Week T-Bill 2.42% - exempt from state and local taxes

The Ally ones don't seem that great to me. The no penalty is not a game changer for me.
But thanks.
Evelyn
by EvelynTroy
Thu Apr 04, 2019 2:49 pm
Forum: Investing - Theory, News & General
Topic: Direction on CD purchase
Replies: 7
Views: 1017

Re: Direction on CD purchase

One more thing if interested - I posted my question about the D Growth grade on depositaccounts.com forum - Reply from Ken Tumin himself - thought that was considerate of him. Here it is: Deposit growth is a smaller component in our overall health grade than the Texas ratio and Capitalization. Color...
by EvelynTroy
Thu Apr 04, 2019 2:13 pm
Forum: Investing - Theory, News & General
Topic: Direction on CD purchase
Replies: 7
Views: 1017

Re: Direction on CD purchase

Thanks Sport for your reply. Thinking it over today had decided the 20 mo @3.04% would be best option. But honestly I didn't know why, just felt right. Appreciate your clarification. Yes they are NCUA insured. Financial health rating is good. And no I don't need the money anytime soon. This is the o...
by EvelynTroy
Thu Apr 04, 2019 7:55 am
Forum: Investing - Theory, News & General
Topic: Direction on CD purchase
Replies: 7
Views: 1017

Re: Direction on CD purchase

Thanks 50/50 - your reply makes sense.
Evelyn
by EvelynTroy
Thu Apr 04, 2019 7:30 am
Forum: Investing - Theory, News & General
Topic: Direction on CD purchase
Replies: 7
Views: 1017

Direction on CD purchase

I would value your opinion - I have a large T-Bill maturing today (Schwab taxable account). My options: Local Credit Union has promotion of CD - 20 Months @ 3.04% - 6 mo. EWP Colorado Federal Savings (online bank) CD- 12 Months @ 2.86% - 3 mo. EWP 4 Week T-Bill 2.42% - exempt from state and local ta...
by EvelynTroy
Tue Mar 12, 2019 7:34 am
Forum: Investing - Theory, News & General
Topic: Chas. Munger Daily Journal Annual Meeting
Replies: 1
Views: 376

Chas. Munger Daily Journal Annual Meeting

A personal finance blog I follow has a nice post today - the blogger provides his own notes and highlights if you don't have time to read/listen to whole 2 hours. Link below provides the links to the transcript and full 2 hr. Q&A. If you like hearing Warren Buffett and Charlie Munger talk at the Ber...
by EvelynTroy
Thu Mar 07, 2019 10:01 am
Forum: Investing - Theory, News & General
Topic: Larry's new book The Complete Guide to a Successful & Secure Retirement
Replies: 22
Views: 11537

Re: Larry's new book The Complete Guide to a Successful & Secure Retirement

For anyone interested in the St. Louis, Mo. area - Larry will be speaking about the new retirement book at the St. Charles County Library - Spencer Road Branch @ 7:00 p.m. on Thursday, April 11, 2019. Address: 427 Spencer Road - St. Peters, MO. 63376-2420 Phone: (636) 441-0794 The announcement is ki...
by EvelynTroy
Mon Mar 04, 2019 5:19 pm
Forum: Investing - Theory, News & General
Topic: IRA's and CD's
Replies: 9
Views: 960

Re: IRA's and CD's

As I understand it you wish to transfer money that is already in an IRA account somewhere in order to hold that money in an IRA CD. This is not a problem, and yes it can be a bit confusing. I think you may be confused because of using Google. Most banks and credit unions when you see rates for parti...
by EvelynTroy
Sun Feb 24, 2019 7:17 am
Forum: US Chapters
Topic: St Louis Bogleheads
Replies: 122
Views: 23708

Re: St Louis Bogleheads

Hi - Posting this note with a "notify when a reply is posted" would be interested in attending any sort of StL Boglehead get-together in the future.
Thanks in advance -
Evelyn
by EvelynTroy
Mon Feb 18, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: "good" binoculars for bird watching for eyeglasses wearer
Replies: 21
Views: 1714

Re: "good" binoculars for bird watching for eyeglasses wearer

I am a birder, and wear glasses. If I am repeating anything someone pointed out, apologize I didn't read every reply. What you are looking for is binoculars with what is called long eye relief - this is the wearing glasses part. You need a minimum of about 14-16 mm - this figure is in the specificat...