▲ 29 r/bonds

My current Inflation savings bond rate is 7%

My I Bonds purchased on 06-01-2000 are currently yielding 7%. The fixed rate was 3.6%. Inflation is currently 3.4%; hence, a 7% yield.

But as an inflation hedge, I would personally buy utilities and reits.

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u/stjoe56 — 1 day ago

Probably a stupid question, but who knows - Marine Musician MOS

Is a 5524 MOS, marine musician allowed to practice during free time at boot camp. You have to be highly skilled and pass a test to even get it.

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u/stjoe56 — 7 days ago

Cost of insurance vs denial

My late father ran and owned an insurance company most of his life and he gave me some advice I decided needed to pass on.

  1. If you buy insurance only by price, the lower the price the more denials/aggravation. Remember you get what you pay for. HIs favorite insurance company was Chubb, expensive as hell but always there in the long run and very reasonable. He hated another well know company (don’t even ask name) whose rates were much lower. He was exaggerating, I think, when he said it was only on the night of a full lunar eclipse, would it pay off a major claim without fighting.

1a. I saw an article/news report about two neighbors who had LA fire damage. One neighbor had a sign that XYZ (?) hadn’t paid his claim in months. The other neighbor had no problem with payment from ABC. XYZ was a well known lower premium policy and ABC was a well respected middle of the road premium cost. Once I heard the two insurance companies names,I knew the issues.

  1. He got out of automobile insurance because there was way too much fraud by everybody.

  2. Document everything. Keep photographs of ALL possessions, purchase receipts, etc. He said after a major fire no one is going to remember the potato peeler, socks , etc., but the little items can add up. Also be sure to keep the documentation off site.

  3. Be willing to call a bluff. If you feel you cannot repair/replace with the settlement offer, tell them to repair it. I have done this a couple of times, and it worked for me.

  4. ALWAYS make sure you buy insurance in the right name. If your house is in a trust name, make sure the insurance policy list the trust as the insured. Otherwise you might have problems.

  5. Always keep written records of every phone call, letters, etc. And a letter is always better than a phone call. And if $$$$ are involved either certified or return receipt requested.

  6. If you reach an impasse on minor issues the State Insurance Commissioner has a lot of authority. As was explained to me in one state, the basic process is . (1) The Commissioner gets a letter. (2) The insurance company liaison is called in and basically told to fix this if possible so the complaint disappears. (3). If it cannot be fixed let the commissioner know why.

END

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u/stjoe56 — 16 days ago

Not a single postcard made it back

I was in Japan for month and have been home for a month. While in Japan, I sent mailed numerous postcards. Most were mailed from inside a post office. I would take the card up to the counter, pay the appropriate postage and leave it with clerk. To date, not a single postcard has made it back to the US or Australia.

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u/stjoe56 — 20 days ago

Being called to a superior’s office

If a recruit is called/told to appear at a JAG office or some other office, does the recruit have to tell the DI, the purpose of the request if it involves non-military matters.

E.g. the recruit’s signature is REQUIRED on a legal document

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u/stjoe56 — 1 month ago

Medal of Honor winner and foreign children

Could a foreign citizen be admitted to West Point if he/she was a child of Medal of Honor winner.

If so, would this include citizens from unfriendly countries.

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u/stjoe56 — 2 months ago

URGENT help needed lost IPhone in Tokyo Train station

I lost my IPhone model 16, as I was about to board a train from Tokyo to Southern Japan. Find my phone shows the phone in Tokyo.
I am currently in Hakata. I went to the local JR line lost and found office, but no one could help

I will not return to Tokyo for 2-3 weeks.

There is an Apple Store 2 miles away. I was thinking of buying the least expensive IPhone in the store and setting it up as a replacement for my US Phone. Once I return to the US imwill,continue to use this Japan purchased phone until the new models are released.

Has anyone done this? Will a Japanese purchased Iphone work with a US esim from Mint Mobil?

Any suggestions on what to do, greatly appreciated.

LJK

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u/stjoe56 — 3 months ago
▲ 3 r/Advice

Are these two smaller exercises equivalent to one big exercise

Basic question. I am 74 and due to physical limitations can only use a stationary bike.

I ride it almost every day until I do 26 miles. It takes me about two hours non-stop.

If I broke it into two segments of 13 miles/ one hour, would those two segments be just as good and one longer segment.

SJ

P.S. I would have posted this question on the exercise section, but you cannot post there without approva.

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u/stjoe56 — 3 months ago