Search found 422 matches

by EvelynTroy
Mon Jul 13, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

Yup, it looks like the 1.50% rate was from early June. No longer available according to their website.
Sorry, I didn't look close enough - I see it now. Its 1.25%

Evelyn
by EvelynTroy
Mon Jul 13, 2020 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

End of Aug. I have a CD maturing, and starting to shop for a CD. As rates continue to drop it become more difficult to find a decent CD. I ran across this 15 month - 1.50% , "Add On" CD with easy membership, A+ health rating - https://www.depositaccounts.com/banks/pen-air-cu/offers/ Thinking of open...
by EvelynTroy
Fri Jun 12, 2020 4:45 pm
Forum: Investing - Theory, News & General
Topic: Best Current Book on Social Security Strategies?
Replies: 11
Views: 1045

Re: Best Current Book on Social Security Strategies?

I haven't read the Social Security book by this author, updated for 2020, but I can definitely vouch for the integrity and honesty of the author's firm. I had his firm assess and review my portfolio to make sure I was on the right track, or needed to make any allocation changes, etc. They use a low ...
by EvelynTroy
Fri Jun 12, 2020 9:40 am
Forum: Investing - Theory, News & General
Topic: Does anybody belong to the Better Investing Club?
Replies: 13
Views: 1157

Re: Does anybody belong to the Better Investing Club?

I was never in a Better Investing Club, however I was actively involved in the BI organization, 30 yrs. ago. Back then it was called NAIC (National Association of Investment Clubs) - I learned a lot about selecting individual stocks using their Stock Selection Guide (SSG), met interesting people, an...
by EvelynTroy
Wed May 20, 2020 6:27 pm
Forum: Investing - Theory, News & General
Topic: [High quality muni bonds for parking cash]
Replies: 14
Views: 736

Re: Best CD rates thread

Sincere thank you to all who have contributed to this discussion - for me very helpful, yet a lot to process and take in. So I will be doing the referred to links for more understanding. I decided to purchase the Federal Savings Bank 5 yr. CD @2.05% for about 3/4 of the cash that needed to be invest...
by EvelynTroy
Wed May 20, 2020 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

I believe Hudson in an earlier post pointed out The Federal Savings Bank 5 yr. 2.05% CD. They have an A+ financial rating at depositaccounts.com. I've been procrastinating and not purchasing anything for far too long. I have a large amount sitting in the Schwab Cash Account earning nothing. I'm une...
by EvelynTroy
Wed May 20, 2020 7:22 am
Forum: Investing - Theory, News & General
Topic: [High quality muni bonds for parking cash]
Replies: 14
Views: 736

[High quality muni bonds for parking cash]

[Moved into a new thread from: Best CD rates thread , see below. --admin LadyGeek] Mike and Evelyn, I would have to hold my nose on the 5 year 2% CD. I think that it's the best available. One could wait for those 3% specials that pop up. Who's predicting that? I'm batting zero on predictions. For e...
by EvelynTroy
Wed May 20, 2020 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

I believe Hudson in an earlier post pointed out The Federal Savings Bank 5 yr. 2.05% CD. They have an A+ financial rating at depositaccounts.com. I've been procrastinating and not purchasing anything for far too long. I have a large amount sitting in the Schwab Cash Account earning nothing. I'm une...
by EvelynTroy
Wed May 20, 2020 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

Evelyn, If I had funds that needed investing today, that I wouldn't need in 5 years, I would go with the 2% deal for 5 years. The other alternative would be a high quality muni fund....but that won't work for everyone. My plan has always been to just take the best available 5 year deal and go with ...
by EvelynTroy
Tue May 19, 2020 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

I believe Hudson in an earlier post pointed out The Federal Savings Bank 5 yr. 2.05% CD. They have an A+ financial rating at depositaccounts.com. I've been procrastinating and not purchasing anything for far too long. I have a large amount sitting in the Schwab Cash Account earning nothing. I'm unea...
by EvelynTroy
Wed May 06, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

And now another depositaccounts.com "easy membership" CU is wrong - according to the CR I spoke with today. My next choice of CD purchase was Advancial Federal CU - DA says: Membership in Advancial is open to anyone by joining Connex for a $5 fee. I phoned the CU today 5/6 - Connex is not an organiz...
by EvelynTroy
Wed May 06, 2020 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

Thanks Hudson - yes you hit the nail, longer or shorter duration is big question. Also something to be said for "simple." We'll see if anyone else has any thoughts. Evelyn Is there anything out there better...with the information that we have right now? Both are great choices. Maybe rely on a coin ...
by EvelynTroy
Wed May 06, 2020 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

Thanks Hudson - yes you hit the nail, longer or shorter duration is big question. Also something to be said for "simple." We'll see if anyone else has any thoughts. Evelyn Is there anything out there better...with the information that we have right now? Both are great choices. Maybe rely on a coin ...
by EvelynTroy
Wed May 06, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

Thanks Hudson - yes you hit the nail, longer or shorter duration is big question.
Also something to be said for "simple."
We'll see if anyone else has any thoughts.
Evelyn
by EvelynTroy
Wed May 06, 2020 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

I would appreciate some direction on possible purchase of a CD- I prefer not to go out 5 years. The national top rates I can find with easy membership are via depositaccounts.com Keesler Federal CU - $100K minimum for a 30 month blended step CD - I'd not heard of this type of CD - 1.10% for 1st 10 m...
by EvelynTroy
Tue Apr 14, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

ilan1h wrote:
Tue Apr 14, 2020 12:12 pm
My feeling would be that with rates as low as they are and with the huge amount of government spending going on it's unlikely that rates will not creep up over the next two years.
Thanks for your thoughts - makes sense to me. I think I am safe with a 29 month CD @ 2.12%
by EvelynTroy
Tue Apr 14, 2020 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: BrixDirect by Cross River...a Bank 2.08% TWO YEAR CD

The best 2 year CD that I could find... BrixDirect by Cross River...a Bank 2.08% TWO YEAR CD https://brixdirect.com/ PenAir Federal Credit Union has a 2.2% 5 Year CD...anyone can join. Hudson, Thank you for heads-up on BrixDirect CD. I was looking on the website and there is also a 1 year 2.28% CD....
by EvelynTroy
Tue Apr 14, 2020 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

Hughes Federal CU has a rate leading 36 month Jumbo CD - easy membership. I have an IRA CD that I opened with them 10/2019 and found them to be very easy, and professional to work with. There were no glitches or problems when I purchased the CD. There is also a 24 mo. IRA CD with slightly different...
by EvelynTroy
Tue Apr 14, 2020 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: BrixDirect by Cross River...a Bank 2.08% TWO YEAR CD

The best 2 year CD that I could find... BrixDirect by Cross River...a Bank 2.08% TWO YEAR CD https://brixdirect.com/ PenAir Federal Credit Union has a 2.2% 5 Year CD...anyone can join. Hudson, Thank you for heads-up on BrixDirect CD. I was looking on the website and there is also a 1 year 2.28% CD....
by EvelynTroy
Sun Apr 12, 2020 6:04 am
Forum: Investing - Theory, News & General
Topic: Any benefit to having a financial advisor?
Replies: 23
Views: 1814

Re: Any benefit to having a financial advisor?

I am a self-learner and feel like I have learned a ton on this site and am a pretty firm believer in the simple 3-fund portfolio. That being said, are there any benefits I may not be thinking of to having a financial advisor? About a month ago I remember a co-worker saying something along the lines...
by EvelynTroy
Sat Apr 11, 2020 6:03 am
Forum: Investing - Theory, News & General
Topic: Your Investment Adviser’s Dirty Secret
Replies: 77
Views: 9954

Re: Your Investment Adviser’s Dirty Secret

What I will say is that there are people in the business that are better than others and I would not hesitate to recommend Ferri, Roth, or Bernstein to others. But nothing is perfect. Even Vanguard has incentives to grow its business. No one is 100% free of conflicts of interest. As for myself, I h...
by EvelynTroy
Fri Apr 10, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

You're welcome Hudson. Yes, very easy membership to this CU. I was just looking at my 2019 CD - 36 month IRA CD - matures 9/23/2022 @ 3.10% - that was a good promotion. I will in all likilihood purchase one of these that are currently being offered.

Evelyn
by EvelynTroy
Fri Apr 10, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

Hughes Federal CU has a rate leading 36 month Jumbo CD - easy membership. I have an IRA CD that I opened with them 10/2019 and found them to be very easy, and professional to work with. There were no glitches or problems when I purchased the CD. There is also a 24 mo. IRA CD with slightly different ...
by EvelynTroy
Thu Apr 02, 2020 6:19 pm
Forum: Investing - Theory, News & General
Topic: Words of Wisdom William Bernstein_chat w/Ben Carlson
Replies: 75
Views: 11094

Words of Wisdom William Bernstein_chat w/Ben Carlson

[Post merged into here, see below. --admin LadyGeek] 30 min. discussion with Ben Carlson discusses the current situation and give some context around how this current crash looks through the lens of financial market history: https://awealthofcommonsense.com/2020/04/words-of-wisdom-from-william-bern...
by EvelynTroy
Wed Apr 01, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: For those missing timeless investing wisdom of Larry Swedroe
Replies: 5
Views: 1393

For those missing timeless investing wisdom of Larry Swedroe

A nice podcast by one of my investing heros - Larry Swedroe's Timeless Investing Wisdom For This (And Every Other) Market Panic - Podcast 1 hr. 40 min. https://seekingalpha.com/article/4335390-larry-swedroes-timeless-investing-wisdom-for-this-and-every-market-panic-podcast 4:00 - Larry's unique pers...
by EvelynTroy
Sat Mar 28, 2020 5:57 pm
Forum: Investing - Theory, News & General
Topic: Suggest best readings of past 30 days?
Replies: 14
Views: 1441

Re: Suggest best readings of past 30 days?

I recently discovered Insights - blog postings from Buckingham Strategic Wealth - Larry Swedroe's firm. Larry does some postings as well as other national known thought leaders who have joined the Buckingham team at different times, i.e., Michael Kitces, Sue Stevens, Carl Richards, Tim Mauer, Jared ...
by EvelynTroy
Mon Mar 16, 2020 11:07 am
Forum: Investing - Theory, News & General
Topic: It turns out... I don't actually know how to rebalance
Replies: 14
Views: 1256

Re: It turns out... I don't actually know how to rebalance

I had great trouble with the mechanics of actually doing the rebalancing as well. I'm not a math/numbers orientated person at all - so I needed simple and a tool easy to use. I've used this spreadsheet for several years, and found it to be the answer for me. How to set it up and directions are there...
by EvelynTroy
Thu Mar 05, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

So glad it worked out for you Hudson. You're more than welcome.
Evelyn
by EvelynTroy
Wed Mar 04, 2020 11:46 am
Forum: Investing - Theory, News & General
Topic: Do paid, AUM-style, advisors actually hand pick all those funds to match the client?
Replies: 27
Views: 1587

Re: Do paid, AUM-style, advisors actually hand pick all those funds to match the client?

I would have never known to do these things, much less implement them – all money saving things for me. Nice to hear a detailed opinion and feedback on your advisor. You should be marketing such good people to others as there are always a certain set of people that need some hand holding and guidin...
by EvelynTroy
Wed Mar 04, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: Do paid, AUM-style, advisors actually hand pick all those funds to match the client?
Replies: 27
Views: 1587

Re: Do paid, AUM-style, advisors actually hand pick all those funds to match the client?

Thought I would add some detail to my previous post - the OP asked for experiences with an AUM advisor customer. May be more than the OP wants to know, but she asked :D I hope she finds it helpful. I'll note that as I age, I'm 73 at some point I may well return to Buckingham - have to be aware that ...
by EvelynTroy
Wed Mar 04, 2020 7:01 am
Forum: Investing - Theory, News & General
Topic: Do paid, AUM-style, advisors actually hand pick all those funds to match the client?
Replies: 27
Views: 1587

Re: Do paid, AUM-style, advisors actually hand pick all those funds to match the client?

Do these advisors actually work for that 1% and dig into the research, listen to the client, and come up with these 50+ holdings with specific allocations for that 1 client.. then do it all over again for the next client? As someone said, "it depends on the advisor." I can only speak to Buckingham ...
by EvelynTroy
Sat Feb 29, 2020 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

Perhaps of interest to readers - seems Freedom Northwest CU (Idaho), easy membership is offering some top rates: Share Certificates, 12-month (2.45% APY), 24-month (2.55% APY), 36-month (2.80% APY), 48-month (2.85% APY), and 60-month (3.20% APY), $1k minimum. https://www.depositaccounts.com/banks/fr...
by EvelynTroy
Sat Feb 15, 2020 2:54 pm
Forum: Investing - Theory, News & General
Topic: Need fixed income reinvestment suggestions
Replies: 4
Views: 573

Re: Need fixed income reinvestment suggestions

Thanks guys for your replies. I think you are both right, no need to futz about, just go with the intermediate term bond SCHZ that I already own. Especially, not wanting to add an additional ETF / Fund - more different instruments more complicated things can get.

Thanks again. Evelyn
by EvelynTroy
Fri Feb 14, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: Need fixed income reinvestment suggestions
Replies: 4
Views: 573

Need fixed income reinvestment suggestions

I had a brokered CD called with proceeds arriving in my Schwab acct. 2/19 - don't know if its best to do this Fort Bragg CD -a nice 60 mo. Jumbo Step-Up CD (2.99% AYP) CD - Fort Bragg Fed. CU - easy membership, but its $40 ( for 2 years, not sure what that means, i.e. do you have to send another $40...
by EvelynTroy
Wed Feb 12, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

I noticed today what looks to me like a nice 60 mo. Jumbo Step-Up CD (2.99% AYP) CD - Fort Bragg Fed. CU - easy membership, but its $40 ( for 2 years, not sure what that means, i.e. do you have to send another $40 after 2 years of holding a 60 mo. CD?) If you have military relationship, no membershi...
by EvelynTroy
Wed Feb 12, 2020 4:43 am
Forum: Investing - Theory, News & General
Topic: Berkshire Annual Meeting in person
Replies: 41
Views: 3502

Re: Berkshire Annual Meeting in person

I attended the annual meeting many years ago - like others I was glad I went, great fun and excitement. I was able to shake Mr. Buffett's hand in a smaller setting at the yearly Yellow Brkers party - that Fri. evening before the meeting. At that time the get together was held at a local bar downtown...
by EvelynTroy
Sat Jan 25, 2020 8:07 am
Forum: Investing - Theory, News & General
Topic: Why we try to beat the stock market_article
Replies: 1
Views: 383

Why we try to beat the stock market_article

From Jonathan Clements "Humble Dollar" newsletter this morning - Why do investors persist in trying to beat the market? Drawing on the work of behavioral finance expert Meir Statman, Robin Powell lists eight key reasons. There is a link to Prof. Statman's new paper, "Behavioral Finance The Second Ge...
by EvelynTroy
Thu Jan 16, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

I'm interested in investing about 200K in a CD. The best rate that I've found is Andrews Credit Union which is offering 3.05% for 84 months. Anyone have any better suggestion than this? As long as you're good with investing the money for 7 years? Personally I just don't like going out that long. No...
by EvelynTroy
Wed Jan 15, 2020 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

I'm interested in investing about 200K in a CD. The best rate that I've found is Andrews Credit Union which is offering 3.05% for 84 months. Anyone have any better suggestion than this? As long as you're good with investing the money for 7 years? Personally I just don't like going out that long. No...
by EvelynTroy
Mon Jan 06, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

Re: Best CD rates thread

Those of you who shop all over the country for the best CD rates, how many different banks/CUs do you typically deal with at any given point in time, and do you close your share accounts once you are “done” with a CD and moved the funds elsewhere? For example, I bought a bunch of PenFed CDs about f...
by EvelynTroy
Mon Jan 06, 2020 10:25 am
Forum: US Chapters
Topic: St Louis Bogleheads
Replies: 130
Views: 28303

Re: St Louis Bogleheads

No e-mail listserv that I'm aware of. If you want to try something like that I'd participate. We all met up at a pizza place a few years ago. Our last meetup got snowed out. @dwickenh I'd be willing to try it again. I'd be interested in meeting and seeing how things go. I live in St. Charles. Not t...
by EvelynTroy
Sat Dec 21, 2019 8:06 am
Forum: Investing - Theory, News & General
Topic: I made a big mistake and I learned my lesson
Replies: 59
Views: 8851

Re: I made a big mistake and I learned my lesson

I totally understand the comments for me being to aggressive as my entire retirement is 100% VTSAX. With that being said my situation is very different than most on this site as my wife and I are both teachers in the midwest. We will both get pensions with COLA and if either of us passes the other ...
by EvelynTroy
Wed Nov 06, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

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: 2091

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: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

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: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

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: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

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: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102272

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: 5291

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 ...