Search found 689 matches

by BearBones
Tue Feb 02, 2016 9:18 pm
Forum: Cash
Topic: Buying CDs
Replies: 12
Views: 7029

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: 7029

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: 7029

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: 6609

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: 4579

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: 74
Views: 13878

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: 4579

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: 74
Views: 13878

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: 74
Views: 13878

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: 4579

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: 4579

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: 74
Views: 13878

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...