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I'm waiting until after the next Fed meeting before considering any CD's.
Best I've found so far is Vanguard with 4.8% for 10-12 months.
Some of this stuff is tricky (what a surprise!) I found a bank offering 6.00%, but the restrictions are fairly stiff.
Talked to Geico a bit to see what we'll want to do. Putting him on our policy seems the way to go. Adds about $840/yr, which I think is pretty cheap for a 17-yr-old boy.
In other news, the WRX crossed 4k miles today at about 3 weeks past its 1-year anniversary.
'11 GMC Sierra 1500; '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '08 Maser QP; '11 Mini Cooper S
I will give Vanguard a look with the CD's I'm in the market for. Why should I go to an outside company when I can really just do it myself. As it is, need to put both my wife & I on the CD's plus have our oldest as the beneficiary just in case something should happen. I rescheduled my appointment at Edward Jones for Monday but not sure now if that's the best way to go here. Doing it myself would probably work just as well but I'll do some research this weekend to see what's what and which would be the easiest going forward. Doubtful my Vanguard account is even open anymore. But, still might be easier to do it myself if it's pretty easy.
2023 Hyundai Kona Limited AWD (wife) / 2015 Golf TSI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
4.25% APR, 4.34% APY
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Are you still happy with the WRX?
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2022 Wrangler Sahara 4Xe, 2023 Toyota Tacoma SR 4WD
Yup. The stereo leaves some to be desired, and heated seats would be welcome, but I can’t think of anything I’d prefer to daily for the money. I sometimes think of tuning it
'11 GMC Sierra 1500; '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '08 Maser QP; '11 Mini Cooper S
Emigrant online savings, 4.35% APY
'21 Dark Blue/Black Audi A7 PHEV (mine); '22 White/Beige BMW X3 (hers); '20 Estoril Blue/Oyster BMW M240xi 'Vert (Ours, read: hers in 'vert weather; mine during Nor'easters...)
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
'11 GMC Sierra 1500; '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '08 Maser QP; '11 Mini Cooper S
23 Civic Type-R / 22 MDX Type-S / 21 Tesla Y LR / 03 Montero Ltd
Isn’t that just like a bank? They always want it their way. But what happens when there is a customer that wants it their way? Here’s my story about that (I think I told this story before on Edmunds):
I can’t remember exactly but I think this it was 5 or 6 years ago when we were about to make our last mortgage payment. I received a letter from the mortgage company informing me that my last payment HAD to be made by a wire transfer. I was going to ignore that demand and send a check like we always paid the mortgage. Then I got the bright idea that our bank would waive the $20 transfer fee because of how long we dealt with them and the size of my savings account. Nope, they didn’t want to do that so I ask to speak to a higher up. A couple minutes later the assistant branch manager did her very best trying to convince me that’s their policy and everyone regardless of how long they dealt with the bank or the size of their savings account would have to pay the $20 fee. I told her I didn’t care about everyone else, I only cared about me and if I had to pay the $20 fee, I’d pay it but I wouldn’t be doing business with them any longer than it took me to get direct deposits set up at another bank. I told her I wasn’t threatening but since they made more money from my accounts than I did, I didn’t think it was unreasonable for them to waive a measly $20 fee one time. She excused herself and came back in a couple minutes telling me that the branch manager would waive the fee. Damn, I guess just like in the car biz, “if you don’t ask you don’t get”.
Now, would it have cost me more than $20 worth of aggravation to change banks? Yes, it sure would have and I told that to the assistant branch manager before she went to bat for me. But I was willing to do it.
jmonroe
Dang. Pretty sweet. Gimme one with a hardtop
'11 GMC Sierra 1500; '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '08 Maser QP; '11 Mini Cooper S
Apropos of nothing, my wish for a new car:
4-door 4x4 pickup with 4-wheel magnaride, 400 or more hp, and no more than 4000 lb. Lots of 4s. I’d say 4.5 s to 60, but let’s make it 4.4. And at least a 5’ bed.
'11 GMC Sierra 1500; '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '08 Maser QP; '11 Mini Cooper S
BMW Crystal Headlights – first introduced on the new BMW 7 Series – will be available on the BMW X7 starting in April 2023. Genuine crystals from Swarovski positioned in the upper section of the lights and backlit by LED units act as side marker lights and daytime running lights. In daylight and when lit at night, the crystals reflect the light in a multitude of facets.
Mine: 1995 318ti Club Sport; 2020 C43; 2021 Sahara 4xe 1996 Speed Triple Challenge Cup Replica Wife's: 2015 X1 xDrive28i Son's: 2009 328i; 2018 330i xDrive
That adds like 50 hp😂
That adds like 50 hp😂
Good gravy! That’s almost as much as yellow spark plug wires!!
2017 Cadillac ATS Performance Premium 3.6
Isn’t that just like a bank? They always want it their way. But what happens when there is a customer that wants it their way? Here’s my story about that (I think I told this story before on Edmunds):
I can’t remember exactly but I think this it was 5 or 6 years ago when we were about to make our last mortgage payment. I received a letter from the mortgage company informing me that my last payment HAD to be made by a wire transfer. I was going to ignore that demand and send a check like we always paid the mortgage. Then I got the bright idea that our bank would waive the $20 transfer fee because of how long we dealt with them and the size of my savings account. Nope, they didn’t want to do that so I ask to speak to a higher up. A couple minutes later the assistant branch manager did her very best trying to convince me that’s their policy and everyone regardless of how long they dealt with the bank or the size of their savings account would have to pay the $20 fee. I told her I didn’t care about everyone else, I only cared about me and if I had to pay the $20 fee, I’d pay it but I wouldn’t be doing business with them any longer than it took me to get direct deposits set up at another bank. I told her I wasn’t threatening but since they made more money from my accounts than I did, I didn’t think it was unreasonable for them to waive a measly $20 fee one time. She excused herself and came back in a couple minutes telling me that the branch manager would waive the fee. Damn, I guess just like in the car biz, “if you don’t ask you don’t get”.
Now, would it have cost me more than $20 worth of aggravation to change banks? Yes, it sure would have and I told that to the assistant branch manager before she went to bat for me. But I was willing to do it.
jmonroe
I would have been more PO'ed at the mortgage company with their ridiculous requirement for a wire transfer.
Mortgages are one of those business lines that are protected by law from competition. Which allows them to get away with murder (or at least outlandish and exorbitant fees).
I remember when I purchased this house, back in 2011, as a HUD foreclosure. I needed $50k, didn't have it laying around, and didn't want to pull it from behind the firewall and pay taxes on it. My company credit union was offering 5 year (and longer) car loans for that much ($50k) at a really nice interest rate. I asked about a 5 year loan for the house, thinking that a house should be better equity for a loan than an automobile. Appreciating, not depreciating, etc. The CU manager told me that she would love to help me out, but was prevented by law from doing so.
I went ahead and pulled the money from the 401, paid the taxes, and bought the house outright. I was surprised (dumbfounded might be a better word) at how easy it was to complete the transaction with no mortgage. I was in the office about 5 minutes total, handed over the cashiers check, was given a receipt, signed my name twice, and walked out with 5 or 6 pieces of paper. Contrast that with the usual house closing, where you're there for 2 or 3 hours, sign your name 200 times, and have no idea what just went on.
In the words of Mrs. j, “yeah, everybody needs one of those”.
jmonroe
I would have been more PO'ed at the mortgage company with their ridiculous requirement for a wire transfer.
Mortgages are one of those business lines that are protected by law from competition. Which allows them to get away with murder (or at least outlandish and exorbitant fees).
I remember when I purchased this house, back in 2011, as a HUD foreclosure. I needed $50k, didn't have it laying around, and didn't want to pull it from behind the firewall and pay taxes on it. My company credit union was offering 5 year (and longer) car loans for that much ($50k) at a really nice interest rate. I asked about a 5 year loan for the house, thinking that a house should be better equity for a loan than an automobile. Appreciating, not depreciating, etc. The CU manager told me that she would love to help me out, but was prevented by law from doing so.
I went ahead and pulled the money from the 401, paid the taxes, and bought the house outright. I was surprised (dumbfounded might be a better word) at how easy it was to complete the transaction with no mortgage. I was in the office about 5 minutes total, handed over the cashiers check, was given a receipt, signed my name twice, and walked out with 5 or 6 pieces of paper. Contrast that with the usual house closing, where you're there for 2 or 3 hours, sign your name 200 times, and have no idea what just went on.
————————————————
I’ll tell you what went on. Everyone that has a hand puts it out and you pay fee after fee after fee. But the special interest groups allow them to get away with it. If you and I tried something like that we’d be hauled in on felony charges.
That’s the prime reason why my son (the flipper) has yet to get a mortgage for a flip house. So far it’s working.
jmonroe
FYI, I applied for a job at Ford yesterday - not that I think anything will come of it, but it looked kinda fun.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Hopefully the Ford job isn't on the recall team.
Or the Maverick build scheduling team. If so, he’ll be on the street again next month if not sooner. But if the Ford gig works out he should look into getting his poster buddies a group discount. He should be able to get a “frequent buyer’s discount” for @breld with no problem.
jmonroe
I'm guessing the reason they have that requirement is that states often have lien release statutes that require them to release the mortgage lien within X days of it being paid off. But, some people write bad checks, and sometimes, those bad checks don't get returned and the payment reversed as quickly as you might think. So, they're trying to protect themselves from releasing their mortgage lien and then later discovering that the payment they were given was no good (leaving them without any security for the mortgage).
To keep it car related, as @kyfdx, @roadburner, and possibly others know, in KY, out of state vehicles must be inspected before being registered. The Sheriff's office will not inspect a vehicle without a corresponding title or manufacturer's certificate of origin. Needless to say, this creates the opportunity for certain criminal elements to buy a new vehicle out of state, get the certificate of origin (which has no lien) "so I can get it registered," and then the criminal and the vehicle both disappear. Hypothetically, the vehicle could probably be shipped overseas before anyone was the wiser.
Iowa has an interesting workaround for that problem. When I bought the Maverick, they issued an "in transit title," which cost only a few dollars, and is designed to temporarily title the vehicle in Iowa without requiring the payment of sales tax, while perfecting Ford Credit's lien. So when I went to register the Maverick here, I handed the county clerk an Iowa title that already had Ford's lien on it as opposed to a certificate of origin. The lady at the counter had never seen that type of title before and had to get someone else to assist, but was able to get the registration done without any issues. And Ford didn't have some scallawag running around with the vehicle equivalent of a bearer bond.
Good luck with the job application! Maybe you can get us Ford owners some extra FordPass points.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
It's a Sales Operations Manager role. Allows working remote (I ain't relocating to Michigan), and they require a valid passport - I guess to travel to Mexico or Canada.
Given that @breld has bought 2 Fords in the last year, I can certainly see that.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Doesn’t everybody, at a house closing, read and understand all of what they are signing?
In effect what the buyer is doing is saying, “here, take all my money. Just gimme the damn keys already”.
jmonroe
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
On another occasion, several years later, they shoved a paper in front of me and I happened to catch the spoken words, "This just says you're not applying for the homestead exemption." At which point I balked. "Why in god's name would I NOT want to apply for the homestead exemption?"
"Well, it's just easier if you apply for it later. Makes no difference as long as you apply for it before the end of the year."
Well, yes, it mattered to me, and I refused to sign. Which threw a monkey wrench in the whole works, the real estate agent was mad at me, the title company person was mad at me, but I flat didn't care. I was ready to walk. So they redid the paperwork while we all waited. And no one spoke to me, or looked at me. Total pariah.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
you can tell when you are the seller, and spend five minutes signing a few forms and are done.
I may buy another house before I am done, but definitely won't have a mortgage on it.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
One for the mortgage, one for the solar system on the house (which we lease).
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Mine: 1995 318ti Club Sport; 2020 C43; 2021 Sahara 4xe 1996 Speed Triple Challenge Cup Replica Wife's: 2015 X1 xDrive28i Son's: 2009 328i; 2018 330i xDrive
I see the new 7er is kind of a brutalist severe looking thing, I want to like it in a weird way, but I don't know. E23 or even E32 seem like classics now.
Mine: 1995 318ti Club Sport; 2020 C43; 2021 Sahara 4xe 1996 Speed Triple Challenge Cup Replica Wife's: 2015 X1 xDrive28i Son's: 2009 328i; 2018 330i xDrive
'11 GMC Sierra 1500; '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '08 Maser QP; '11 Mini Cooper S
2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible
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https://www.news.com.au/technology/motoring/motoring-news/how-tesla-owners-are-punishing-each-other/news-story/8292ecf943c0b77e85d7f3e8bc550ef0
2017 Cadillac ATS Performance Premium 3.6
'11 GMC Sierra 1500; '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '08 Maser QP; '11 Mini Cooper S