Search found 5192 matches

by protagonist
Thu Mar 22, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12606

Re: Sharonview FCU 64 month CD - 4%

Sharonview followup... Joined Sharonview via $20 membership in Charlotte Folk Society Mar 6. Membership approved Mar 9. Sent !RA transfer request to Patelco Mar 9 Patelco rep told me the check would be sent to Sharonview Mar 13 On Mar 20 funds appeared in my Sharonview 4% IRA certificate . Very smoo...
by protagonist
Fri Mar 16, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Buy vs. seasonally rent vacation property
Replies: 26
Views: 2621

Re: Buy vs. seasonally rent vacation property

The verdict here seems nearly unanimous, and reinforces my own sentiments. All your responses provided great impetus for me to move forward and sell. Mostly I was in a state of inertia over the place...caught in the grips of Newton's First Law of Motion. My tenant leaves at the end of this month, fo...
by protagonist
Fri Mar 16, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12606

Re: Sharonview FCU 64 month CD - 4%

I was hoping I could expedite things that way, since I belong to a local credit union that partners with Sharonview, as does the CU from which I am having my funds transferred...but in both cases I was told it would not help. Do you have an Ally savings account? My ACH transfer took one day for the...
by protagonist
Thu Mar 15, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 19065

Re: Books that have actually changed your life, in a way.

This may sound facetious but perhaps the "books" with the biggest influence on me were comic books! When I was very young I was having great difficulty with reading and therefore hated it -- until I found comic books. These were primarily the Walt Disney Duck comics: Donald Duck, Uncle Scrooge, Com...
by protagonist
Thu Mar 15, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12606

Re: Sharonview FCU 64 month CD - 4%

Did you cash a check, or how did you get the funds to SVCU from your other CU? I know you said in person, just wondering what method of transfer. Credit Unions can use shared branching from https://co-opcreditunions.org/co-op/ to access each other's accounts. So your local CU who supports shared br...
by protagonist
Thu Mar 15, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 145567

Re: Boglehead Beer

^^^ I assume you mean Yuengling , which is popular in my area. I like it. Wife & I are from Central PA. Yuengling to us means regular Yuengling "Premium" Beer, but I assume everyone else means "Lager". Premium is a really good drinking beer. In 1987 Yuengling brought back the "Lager" recipe and it ...
by protagonist
Thu Mar 15, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buy vs. seasonally rent vacation property
Replies: 26
Views: 2621

Re: Buy vs. seasonally rent vacation property

Sell. Your $8800 is only 4.8% return on what you could sell for $180k. Plus you have the hassles of the second property landlord stuff. If you have a management company, then your 4.8% is even less. And minus repairs, etc. Make your money work for you. Don't let your this house dictate your vacatio...
by protagonist
Thu Mar 15, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Buy vs. seasonally rent vacation property
Replies: 26
Views: 2621

Re: Buy vs. seasonally rent vacation property

My current place is in great shape and I have a great, reliable annual snowbird renter with good positive cash flow....so it seems like it might be a very good time to sell it. Lugging stuff around is not all that big a deal if we rent in FL...we can drive there in 1-2 days.
by protagonist
Thu Mar 15, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Buy vs. seasonally rent vacation property
Replies: 26
Views: 2621

Re: Buy vs. seasonally rent vacation property

> The downside is that seasonal rentals in FL appear to be quite inflated. They are not inflated, they are priced so an owner can make all the money he needs to in the snowbird season. This is the thing about wintering in the southeast or southwest. The short-term rental demand outside of winter se...
by protagonist
Thu Mar 15, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buy vs. seasonally rent vacation property
Replies: 26
Views: 2621

Re: Buy vs. seasonally rent vacation property

I've been contemplating this rent vs. buy vacation home lately. This is my list: Pros (for buying) -Lock in costs (mostly-property taxes/insurance can keep rising). I really worry (and this probably varies by area), that if costs surge renting may get too expensive and I'd have to go elsewhere. -It...
by protagonist
Thu Mar 15, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Buy vs. seasonally rent vacation property
Replies: 26
Views: 2621

Re: Buy vs. seasonally rent vacation property

Your scenario seems like an easy "sell". How did you end up with the place if FL is not your area? Or did spending time there just solidify that another place with different climate was better? No mosquitos, no hurricanes, no humidity. Those are my 3 mantras. :wink: I have no problem with FL overal...
by protagonist
Thu Mar 15, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Buy vs. seasonally rent vacation property
Replies: 26
Views: 2621

Buy vs. seasonally rent vacation property

I currently own a home in FL that I rent out seasonally for 4 months/year ($8800 income/yr. before taxes). It is worth about $180K (owned free and clear). It is not my choice of where I want to spend my winters, but I do want to spend my winters somewhere warm and sunny. I am 65 yo. Though cash flow...
by protagonist
Wed Mar 14, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 145567

Re: Boglehead Beer

Between our city of 28000 and the neighboring town of 12000, there are at least 7 local breweries that also have brewpubs. That amounts to a brewpub for every 5700 residents (men, women and children). There are several more in the surrounding towns. The local brews are always the best and freshest a...
by protagonist
Sun Mar 11, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12606

Re: Sharonview FCU 64 month CD - 4%

Watts wrote:
Fri Mar 09, 2018 4:24 pm
Hopefully they'll honor the rate next week for those of us who opened up a savings account with intent to open a CD once the funds clear.
The rep. said they would, FWIW.
by protagonist
Fri Mar 09, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12606

Re: Sharonview FCU 64 month CD - 4%

I just spoke with a Sharonview rep who told me the same thing....today is the last day, It may already be too late to get started, but if you are interested, jump on it. That sucks. They're not answering the 800 number right now. I got in an application yesterday, but there's no way to put the CD o...
by protagonist
Fri Mar 09, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12606

Re: Sharonview FCU 64 month CD - 4%

I just spoke with a Sharonview rep who told me the same thing....today is the last day, It may already be too late to get started, but if you are interested, jump on it.
by protagonist
Thu Mar 08, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Re: Advice re: Flat Fee Real Estate Brokers.

I think I priced the homes accurately. With online data available now, it is not that hard if you have enough data. How did you price your homes? Did you use the estimates on Zillow and Trulia? Did you do a comparative analysis of recently sold properties? And if so, what sources did you use? Thank...
by protagonist
Thu Mar 08, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Re: Advice re: Flat Fee Real Estate Brokers.

You can also split the difference and go with a low fee full service brokerage like Redfin. I used them to buy my current place, but haven't used them to sell. How did they work out for you? What was the advantage? I assume the seller paid them 3% based on their webpage...... And did you get the "$...
by protagonist
Thu Mar 08, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Re: Advice re: Flat Fee Real Estate Brokers.

I've used a flat fee broker 3 times. I basically paid them to put it in the MLS. I offered 2.5% to the buyer's agent (standard in my area) and paid between $250 and $400. I took all the photos, wrote the description, etc. I had the time to do the showings and think I am relatively astute at things ...
by protagonist
Thu Mar 08, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: eat love pray and jump in today?
Replies: 21
Views: 2760

Re: eat love pray and jump in today?

No basic problems with your conservative portfolio. There are many roads to Dublin. (Actually there aren't. There are, fortunately for me, many roads to NYC, since I do that drive frequently, but that is a different discussion entirely). You are out of debt which is great. You have a "steady income"...
by protagonist
Thu Mar 08, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Re: Advice re: Flat Fee Real Estate Brokers.

We used a flat fee broker ($1000) very successfully to list and sell our house 2 years ago. Paid 3% to the buyers agent. Saved approximately $15,300 in commission. Good Luck Great! Who did you use and in what market? I should add....the property I am seeking to sell is of much lower value than I im...
by protagonist
Thu Mar 08, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Re: Advice re: Flat Fee Real Estate Brokers.

I don't understand why someone would expect to pay a buyer's real estate agent in a transaction like this. Don't buyers these days just look up the listing online? Who would use a realtor to find a house listing when it's already on Zillow or Trulia? Unless it's a totally crazy market like NYC or t...
by protagonist
Thu Mar 08, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Re: Advice re: Flat Fee Real Estate Brokers.

(sigh....) No responses so far so I am making a second plea. Have you considered using Redfin or using that as a bargaining chip to negotiate with other brokers? 6 percent isn't the norm anymore. https://www.redfin.com/why-sell I never heard of Redfin until just now. I checked out the link you prov...
by protagonist
Wed Mar 07, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Flight to Paris etc
Replies: 33
Views: 3440

Re: Flight to Paris etc

Good to hear poditive experience with Air France. We travel economy and some lines are better than others. Service, cleanliness, and ground service are important. We will look into Air Bnb. Any particular areas we should look at. Close to stations and amenities For the purpose of tourism, anything ...
by protagonist
Wed Mar 07, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Re: Advice re: Flat Fee Real Estate Brokers.

DW and I have used both flat fee listing services, brokers, and mainstream brokers with good results on all. The lowest flat fee listing brokers will list on the MLS service which means all agents/brokers will have that available to them, give s you market exposure. If the property is easy to sell ...
by protagonist
Wed Mar 07, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12606

Re: Sharonview FCU 64 month CD - 4%

Has Patelco told you in writing that they will not charge the EWP for an IRA transfer (as opposed to a withdrawal)? Yes, on the phone. Do you have to do anything other than have Sharonview mail them the IRA transfer form (after you've filled it out and mailed it to Sharonview)? Like inform them (or...
by protagonist
Wed Mar 07, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12606

Re: Sharonview FCU 64 month CD - 4%

I should also add that I was told the maximum total funds they will accept in 4% certificates is $250K per person. You cannot get around this by buying an IRA and a conventonal CD, or by opening additional accounts with POD benefits. And if you want to stay within the $250K NCUA insurance limit for...
by protagonist
Wed Mar 07, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Re: Advice re: Flat Fee Real Estate Brokers.

DW and I have used both flat fee listing services, brokers, and mainstream brokers with good results on all. The lowest flat fee listing brokers will list on the MLS service which means all agents/brokers will have that available to them, give s you market exposure. If the property is easy to sell ...
by protagonist
Wed Mar 07, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12606

Re: Sharonview FCU 64 month CD - 4%

I completed my membership application. I wish to prematurely break my IRA certificate at Patelco (2.75% or thereabouts with no EWP for those over 59 1/2 like me) and transfer the funds into a 4% Sharonview IRA certificate (12 mo. EWP). A question for all....how much of a premium are you willing to p...
by protagonist
Wed Mar 07, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12606

Re: Sharonview FCU 64 month CD - 4%

Also saw the DA post on this, but unfortunately the easy membership is only for a very limited geographical area (at least according to the DA post). It looks like you can join the Hobby Farmers of America for $20 in order to qualify for membership: https://hobbyfarmersofamerica.org/store/single-an...
by protagonist
Wed Mar 07, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Re: Advice re: Flat Fee Real Estate Brokers.

3)Rightly or wrongly, buyers agents are going to steer their clients clear of flat fee brokers Cheers! Is this a fact? Can you provide any evidence to support it? After all, 3% commission is still 3% to the buyer's agent, regardless of who they work with. It would be a possible concern of mine, but...
by protagonist
Wed Mar 07, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Re: Advice re: Flat Fee Real Estate Brokers.

I sold a house with a flat-fee type service. The selling agent charged something like $499 and that included putting the house on the MLS and providing a lock box. We also paid for professional pictures of the house. This was around $300. The way it works around here is that there is a hidden secti...
by protagonist
Wed Mar 07, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: The Illusion of "The Long-Term Average" in Investing
Replies: 61
Views: 7915

Re: The Illusion of "The Long-Term Average" in Investing

What I take from the graph of real interest rates is the relatively consistent patterns, eliminating the noise. From about 1450 through about 1700 the rates were steadliy decreasing. In more recent years they would increase for a few decades, then decline for a few decades, then increase again, etc....
by protagonist
Wed Mar 07, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: The Illusion of "The Long-Term Average" in Investing
Replies: 61
Views: 7915

Re: The Illusion of "The Long-Term Average" in Investing

https://s9.postimg.org/lyfvruly7/Moving_Chart.jpg

An aside, but was the "risk-free interest rate" around the WW1 period really dramatically lower than at any other time since 1314?

In what country (or part of the world) is the data from? And do you have any idea how it was compiled?
by protagonist
Wed Mar 07, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: What if you have a poorly rated car?
Replies: 47
Views: 3348

Re: What if you have a poorly rated car?

While the best action (new or used) is to purchase a very reliable and highly rated vehicle, what is you have one that is, for example, on Consumer Reports "cars to avoid" list? You already have the vehicle and, almost certainly, its value (sale or trade-in) is low. My son has a 2014 Dodge (bought ...
by protagonist
Wed Mar 07, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Re: Advice re: Flat Fee Real Estate Brokers.

Thanks for your input, hand!
by protagonist
Mon Mar 05, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 240
Views: 31647

Re: MoviePass App Tracks Your Location Before and After Movies

"We get an enormous amount of information. We watch how you drive from home to the movies. We watch where you go afterwards," said Lowe. https://www.macrumors.com/2018/03/05/moviepass-app-location-tracking/ Good to know. On Android you can go to apps in settings and turn off location, which I just ...
by protagonist
Mon Mar 05, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: ONline calculator for breaking a CD prematurely to invest in another
Replies: 2
Views: 293

Re: ONline calculator for breaking a CD prematurely to invest in another

I found one. https://thefinancebuff.com/cd-early-withdrawal-calculator.html I hope it is useful to others. The advantage of this one over that at depositaccounts.com is that it takes into account the terms of the new CD that one wishes to transfer into, and allows you to create several hypothetical ...
by protagonist
Mon Mar 05, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: ONline calculator for breaking a CD prematurely to invest in another
Replies: 2
Views: 293

ONline calculator for breaking a CD prematurely to invest in another

Can anybody recommend a good calculator online for determining the wisdom of breaking a CD and eating the EWP in order to invest in a new CD offering a better interest rate (eg...comparing the two options)

Or, at the least, a formula for doing the calculations?

Thanks.
by protagonist
Mon Mar 05, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use Bolvin Wealth Management Boston,Ma.?
Replies: 5
Views: 612

Re: Anyone use Bolvin Wealth Management Boston,Ma.?

With such a simple portfolio, why do you need to pay a wealth management company (and risk wondering whether or not they are acting in your best interests)? If you are nervous about bonds, you can consider other safe investment alternatives on your own easily. My personal choice is long-term CDs wit...
by protagonist
Mon Mar 05, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Re: Advice re: Flat Fee Real Estate Brokers.

(sigh....) No responses so far so I am making a second plea.
by protagonist
Mon Mar 05, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25855

Re: Learning Violin as an adult...Entering Month 15

Thanks for the update. Your hard work is paying off. You mention the advantages of playing with your teacher, so have you been able to play with a group yet? Just once over Christmas but it was difficult due to non familiarity with the music and the keys. I don't know any other adults that have tak...
by protagonist
Fri Mar 02, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Advice re: Flat Fee Real Estate Brokers.
Replies: 59
Views: 3491

Advice re: Flat Fee Real Estate Brokers.

I'm thinking of selling my home in Palm Beach County, FL. Has anybody had expeience with flat fee brokers, such as getmoreoffers.com or buyself.com? If so: 1. What company did you work with, and why? 2. Were you pleased? 3. What services did you find worth , or not worth, paying for? 4. Did you succ...
by protagonist
Fri Mar 02, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.
Replies: 37
Views: 2775

Re: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.

Whatever it is worth ($500 or 100 or ???), if it is 6 years old it probably won't be worth much less next year. So keep it for awhile and then decide.
by protagonist
Fri Mar 02, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Lost social security card, steps to take?
Replies: 34
Views: 2527

Re: Lost social security card, steps to take?

My take....the chances that it will be found by a nefarious criminal who is involved in identity theft fraud is so minimal as to not be worth the time and effort worrying about it. Most likely, if the wallet is found, it will be returned (as has happened to me each time I have lost my wallet over my...
by protagonist
Fri Mar 02, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to stay in HCOL area?
Replies: 72
Views: 5958

Re: Can we afford to stay in HCOL area?

Another thing to consider is that, IMHO, having lived in many places (LCOL, MCOL and HCOL), "cost of living" differences are often exaggerated in practical terms. The biggest difference is in home prices, but if one believes that one's home will maintain its value and keep up with inflation (a huge ...
by protagonist
Fri Mar 02, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 11247

Re: Honda vs. Toyota: Which has more bang for the buck?

Imo, Honda and Toyota both carry brand premiums over Hyundai, Kia, Nissan, etc. Whether the premium is real or imagined is open to debate. I have owned 2 cars over the last 28 years and they were both Hondas. So I feel as though whatever the premium, it is cheap to amortize over that time. I know p...
by protagonist
Fri Mar 02, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: [Manuka honey]
Replies: 36
Views: 2772

Re: [Manuka honey]

If it is a one time purchase for a topical treatment that costs $40 and lasts forever, why not try it? Because that statement applies to just about every snake oil product. Yes, fundamentally I agree with you, Barnacle, and I hate supporting snake oil salesmen. It's a pet peeve of mine. That said, ...
by protagonist
Fri Mar 02, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: [Manuka honey]
Replies: 36
Views: 2772

Re: [Manuka honey]

I wonder if people in NZ are buying orange blossom honey from Florida because to them, that is exotic. The value of Manuka Honey is not in it being "exotic" but in its unique properties that stem from the unique properties of the bushes that these bees pollinate. I came across Manuka honey when I w...
by protagonist
Thu Mar 01, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: [Manuka honey]
Replies: 36
Views: 2772

Re: [Manuka honey]

I wonder if people in NZ are buying orange blossom honey from Florida because to them, that is exotic. The value of Manuka Honey is not in it being "exotic" but in its unique properties that stem from the unique properties of the bushes that these bees pollinate. I came across Manuka honey when I w...