Search found 689 matches

by BearBones
Tue Feb 02, 2016 9:18 pm
Forum: Cash
Topic: Buying CDs
Replies: 12
Views: 8180

Re: Buying CDs

MediumTex wrote: Is this a better option than $5,000 in ibonds?
No. But maxed on iBonds with 10k via TD and 5k via refund on taxes.
Looking for another place for deep cash. Thanks for helping.
by BearBones
Mon Feb 01, 2016 6:15 pm
Forum: Cash
Topic: Buying CDs
Replies: 12
Views: 8180

Re: Buying CDs

Had it not been for MachineGhost's post elsewhere, I'd actually have no idea that you can get out of these early and still do better than most other investments. Thanks!
by BearBones
Mon Feb 01, 2016 10:07 am
Forum: Cash
Topic: Buying CDs
Replies: 12
Views: 8180

Buying CDs

Related to my last post. Convince me to something other than put my money in 5 year CDs at Barclays, please. Currently cash earning .9% at American Express Savings. Have other cash elsewhere, so unlikely I will need this for a year or more. https://dl.dropboxusercontent.com/u/4388976/CD%20Rates%2060...
by BearBones
Mon Feb 01, 2016 9:26 am
Forum: Cash
Topic: Going to the dark side (Synchrony Bank)
Replies: 19
Views: 8212

Re: Going to the dark side (Synchrony Bank)

Great thread, so going to revive. Your link to the early withdrawal calculator was very helpful, MG! Looks like Synchrony still the best. Seems to beat the others, and is likely a better then even Ally's Raise-Your-Rate CD posted by Sophie. But looks like people's experience at Synchrony has been ho...
by BearBones
Mon Feb 01, 2016 7:02 am
Forum: Bonds
Topic: Are free trades for treasuries really free? Except for TD Ameritrade?
Replies: 9
Views: 5527

Re: Are free trades for treasuries really free? Except for TD Ameritrade?

So if I understand well what the person at Bogleheads forum did was move his account from Schwab to Vanguard and there he can sell their treasury bonds at no cost? Yes, seems that way (except for small bid/ask spread). The OP and one respondent affirmed that you have to call and pay fee to sell at ...
by BearBones
Sun Jan 31, 2016 1:19 pm
Forum: Other Discussions
Topic: Vaccines
Replies: 75
Views: 19449

Re: Vaccines

I don't get this notion of vaccination being a "duty" for which people can be fined or even imprisoned (IIRC). It affects the refuser himself , not anyone who has been vaccinated. If there were ever a victimless crime, this is it. Agree with dualstow. But also some diseases such as pertussis can st...
by BearBones
Sun Jan 31, 2016 12:32 pm
Forum: Bonds
Topic: Are free trades for treasuries really free? Except for TD Ameritrade?
Replies: 9
Views: 5527

Re: Are free trades for treasuries really free? Except for TD Ameritrade?

I skimmed thru the PP Book and didn't find anything about this. Conclusion:  Based on absence of evidence otherwise in this post and elsewhere, seems that Fidelity, Vanguard and, perhaps, ETrade are the major brokerages of choice for owning treasuries direct. I am going to switch brokerages so I can...
by BearBones
Sun Jan 31, 2016 12:00 pm
Forum: Other Discussions
Topic: Vaccines
Replies: 75
Views: 19449

Re: Vaccines

Being vaccinated is a duty : you accept a small amount of personal risk in exchange for strengthening your whole society. While I agree, I can see the other side, since it is a restriction on personal liberty. Same sentiment as resenting taxation. Or restrictions on buying weapons of mass destructi...
by BearBones
Sun Jan 31, 2016 11:49 am
Forum: Other Discussions
Topic: Vaccines
Replies: 75
Views: 19449

Re: Vaccines

PS Not sure if your asking this as well but my two cents would be to not become involved seriously with those that don't share similar / fundamental view points in life. No I did not ask that! But actually I agree.  ;) Tricky when 75-90% beliefs shared, some uncommon, and 10-25% don't. Thank you al...
by BearBones
Sat Jan 30, 2016 2:40 pm
Forum: Bonds
Topic: Are free trades for treasuries really free? Except for TD Ameritrade?
Replies: 9
Views: 5527

Re: Are free trades for treasuries really free? Except for TD Ameritrade?

Ok more to affirm the negative at Schwab from Boglehead forum. Sounding like it may be Vanguard, Fidelity, and ETrade for buying and selling treasuries.

https://www.bogleheads.org/forum/viewtopic.php?t=156154
by BearBones
Sat Jan 30, 2016 2:16 pm
Forum: Bonds
Topic: Are free trades for treasuries really free? Except for TD Ameritrade?
Replies: 9
Views: 5527

Re: Are free trades for treasuries really free? Except for TD Ameritrade?

Thanks! Here is what I see at Schwab: 0 commission for online trades, BUT... "Schwab reserves the right to act as principal on any fixed income transaction, public offering, or securities transaction. When Schwab acts as agent, a commission is charged on the transaction. When Schwab acts as principa...
by BearBones
Sat Jan 30, 2016 2:06 pm
Forum: Other Discussions
Topic: Vaccines
Replies: 75
Views: 19449

Re: Vaccines

Mainly the payouts of the National Vaccine Injury Compensation Program. I think I understand why this was set up, since all of the law suits generated in the 1980's by the purported DPT-autism link about eliminated all vaccine manufacturing in this country. But the fact that this still exists at thi...
by BearBones
Sat Jan 30, 2016 12:32 pm
Forum: Other Discussions
Topic: Vaccines
Replies: 75
Views: 19449

Vaccines

Don't want this to detract from my other posts today, but...  ;) Yep, I am a physician who found myself dating an anti-vax woman. Vehement. Most of her arguments I find pretty lame. A few are of merit and need some research. Anyone looked into this a lot and have some opinions grounded in strong sci...
by BearBones
Sat Jan 30, 2016 12:22 pm
Forum: Bonds
Topic: Are free trades for treasuries really free? Except for TD Ameritrade?
Replies: 9
Views: 5527

Are free trades for treasuries really free? Except for TD Ameritrade?

Since I joined this forum, there has been increasing disillusionment with TLT and increasing enthusiasm for buying treasuries directly. The consensus here seems to be that, except for a small bid/ask spread, trading is essentially free for treasuries with most brokerages, making this a prudent decis...
by BearBones
Sat Jan 30, 2016 10:50 am
Forum: Variable Portfolio Discussion
Topic: Variable Portfolio Idea
Replies: 5
Views: 2988

Re: Variable Portfolio Idea

Your allocation seems like it would clearly fall into the "investment" category, and not the "speculation" category of a variable portfolio. Thanks. Yes, that is my intention. I think I will always keep a conservative alternative to the PP, but I really don't want it to be variable. My days for spe...
by BearBones
Sat Jan 30, 2016 10:44 am
Forum: Other Discussions
Topic: Market-based medical care
Replies: 23
Views: 8605

Re: Market-based medical care

IDrinkBloodLOL wrote: To me, this shows why we shouldn't have diversity.

If we were all from the same racial group, such suspicions would be impossible.
Hitler? Is that you?
by BearBones
Fri Jan 29, 2016 8:31 pm
Forum: Variable Portfolio Discussion
Topic: Variable Portfolio Idea
Replies: 5
Views: 2988

Variable Portfolio Idea

Have been experimenting with Tyler's nice charts for my new IRA, currently in cash. This is a bit of an amalgam of the PP, the Golden Butterfly, and some of the other well known portfolios on Tyler's site. Not as biased toward the early 70's. Higher CAGR than the PP and a lot less light blue squares...
by BearBones
Fri Jan 29, 2016 6:05 am
Forum: Permanent Portfolio Discussion
Topic: Simplicity or Security
Replies: 9
Views: 3751

Simplicity or Security

Thinking about cash options now that Vanguard reopened its Treasury MM fund. I see from prior posts that a lot of folks are keeping their cash in bank accounts and CCs while others of us are earning closer to zero for staying a tad bit safer. Got me thinking that there are several tiers of safety wh...
by BearBones
Mon Jan 25, 2016 6:23 pm
Forum: Other Discussions
Topic: Crazy Doctor Talk
Replies: 63
Views: 11736

Re: Crazy Doctor Talk

Positive and negative are our judgments, not properties of reality. I'm just describing what I see as accurately as possible. Failure to delude myself by observing through rose colored glasses and failure to sugar coat my observations are frequently mislabeled as cynicism. Judgements are subjective...
by BearBones
Mon Jan 25, 2016 6:13 pm
Forum: Other Discussions
Topic: Crazy Doctor Talk
Replies: 63
Views: 11736

Re: Crazy Doctor Talk

As far as dwelling on the stupid things in life, I agree that it can be a pointless and destructive habit to get into, but it can also be the pathway to a lot of humor. Oh I love the humor here. Yours especially. And I did not mean for my 4th point to sound derogatory (about spending too much time ...
by BearBones
Mon Jan 25, 2016 5:32 pm
Forum: Other Discussions
Topic: Crazy Doctor Talk
Replies: 63
Views: 11736

Re: Crazy Doctor Talk

Finally skimmed through this, since I have posted here twice. A few observations: 1. Agree you come off as shockingly cynical, IDB. And agree with all of Sophie's comments. Dead on. Not saying that there is anything wrong with you or what you are saying. Just that it may be a sign you may be going i...
by BearBones
Mon Jan 25, 2016 4:41 pm
Forum: Other Discussions
Topic: Portfolio Charts
Replies: 124
Views: 30612

Re: Portfolio Charts

This is so well done. And so helpful. Thanks for putting in the work and sharing with us!
by BearBones
Sun Jan 24, 2016 6:01 pm
Forum: Other Discussions
Topic: Crazy Doctor Talk
Replies: 63
Views: 11736

Re: Crazy Doctor Talk

... people like me (lifelong non-assholes  :) )... Not really congruous with: My impression of medical school has always been to make sure that geeky science-types who are also assholes will have a career path.  I didn't think that the "wise and humble healer" ideal had that much to do with it. Wha...
by BearBones
Sat Jan 23, 2016 4:14 pm
Forum: Other Discussions
Topic: Crazy Doctor Talk
Replies: 63
Views: 11736

Re: Crazy Doctor Talk

You go into professions like these to make big bucks, not to live a life of compassion. If you want that, try teaching or religion. :-\ Why do so many in this group like to make broad sweeping angry and/or totally cynical generalizations, often about things they really know little about? I ordinari...