Search found 2162 matches

by Rob5TCP
Wed Jul 01, 2015 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Creating SEP IRA to reduce taxes this year
Replies: 8
Views: 286

Re: Creating SEP IRA to reduce taxes this year

One caveat with a SEP (which I have) is that it's 25% of what you have on your W2.
If you have year end distributions that are separate from your W2; it's not to be included
in your SEP.
by Rob5TCP
Wed Jul 01, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 49
Views: 2803

Re: Unknown phone calls

Here is how disgustingly easy it is to spoof numbers

http://www.spoofcard.com/
by Rob5TCP
Tue Jun 30, 2015 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 49
Views: 2803

Re: Unknown phone calls

While I was responding another one called I always checks 800notes.com It's a new number (they are always spoofing new numbers) http://800notes.com/Phone.aspx/1-419-216-9309 Nine people have reported that number to 800notes.com in the last hour. That is a very high rate. I assume that will rise subs...
by Rob5TCP
Tue Jun 30, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 49
Views: 2803

Re: Unknown phone calls

I have used Nomorobo almost from the start. It has not eliminated, but it has cut down. I now don't even look until I hear the second ring. About 3/4 of the time; there is no second ring (nomorobo blocks it). However, the scammers are constantly employing new numbers as people get wiser. If I am hav...
by Rob5TCP
Mon Jun 29, 2015 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Sychrony Bank - warning
Replies: 29
Views: 3336

Re: Sychrony Bank - warning

I had about a 5 minutes wait and a 1 minutes wait on 2 calls. It was quick to setup the transfer of my SEP IRA. I've many more problems with several other online banks (including Ally). Ally, after having CD's for YEARS, wanted me to go through identity verification when I wanted to setup new accoun...
by Rob5TCP
Sun Jun 28, 2015 5:35 pm
Forum: Personal Consumer Issues
Topic: Concerns about upcoming Greece visit.
Replies: 26
Views: 2935

Re: Concerns about upcoming Greece visit.

I just read this in the WSJ about problems tourists having trouble getting money in Greece. Tourists Are Left in Lurch by Greek Crisis Foreign visitors to Greece might find themselves unable to pay for services or meals as ATMs are running out of cash. Automated-teller machines are running dry and m...
by Rob5TCP
Sun Jun 28, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: MS money plus and Win 8.1
Replies: 8
Views: 629

Re: MS money plus and Win 8.1

I still run Money 2002 on win 8.1 - I don't know about money sunset. I use Microsoft Sunset -- it's the final release of MS Money and was set to be free. I believe it came out the end of 2010. I switched to Quicken in 2009 and became so disgusted with how it handled my portfolio; I jumped when this...
by Rob5TCP
Sat Jun 27, 2015 3:07 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 245
Views: 15097

Re: What ratio are you stocks/bonds and how old are you?

I've always had a conservative allocation. I sleep better.
35% equities; 25% bonds; balance 5% cash and 35% CD's (mostly in the 2.5-3% range).
by Rob5TCP
Sat Jun 27, 2015 1:11 pm
Forum: Personal Consumer Issues
Topic: Home cleaning services
Replies: 30
Views: 2949

Re: Home cleaning services

For a one bedroom in NYC, I pay between $100 - $200 depending on how in depth (clean shelves, inside refrigerator, inside pantries, windows, etc.). Since I never really cook, there is no need to clean the oven (which I use for storage). Quick cleanings run the lower amount (plus I do tip since I use...
by Rob5TCP
Sat Jun 27, 2015 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: are these legit Vanguard reviews?
Replies: 38
Views: 4375

Re: are these legit Vanguard reviews?

It's essentially an extortion site. Unless you pay to be part of their "program," you will have a very low rating. Real or not, I don't know, but certainly unrepresentative and meaningless. And I say that as someone who has never used Vanguard, and has no connection to it. I believe it wa...
by Rob5TCP
Thu Jun 25, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Rent a studio to save money or 1-bedroom that is twice the cost but in my "dream" area?
Replies: 36
Views: 3471

Re: Rent a studio to save money or 1-bedroom that is twice the cost but in my "dream" area?

My second apartment in NY was Tudor City; it was 9 x 19; a Murphy pull down bed, no kitchen just a microwave, refrigerator and a sink. I loved that place. It was across from the UN and in the middle of everything. Two nights a week 5/6 kids would keep their doors open and hang out on the floor. It w...
by Rob5TCP
Wed Jun 24, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Citibank issues or: Viable alternatives to Citibank?
Replies: 4
Views: 484

Re: Citibank issues or: Viable alternatives to Citibank?

Most banks have more than one type of account. I use M&T and they have several. I switched my checking (so called interest paying about .11 per month) that required $7,500 to one that required $1,500 (non interest paying) There might be other options at Citi as well https://www.mtb.com/business/...
by Rob5TCP
Mon Jun 22, 2015 7:04 pm
Forum: Personal Consumer Issues
Topic: Concerns about upcoming Greece visit.
Replies: 26
Views: 2935

Re: Concerns about upcoming Greece visit.

As far as tourism is concerned, Greek tourism seems to be having one of it's best years.
The number of visitors is up about 20% from last year and is one of the few bright spots in the Greek economy.

http://fortune.com/2015/06/20/greece-tourism-economy/
by Rob5TCP
Mon Jun 22, 2015 12:02 pm
Forum: Personal Consumer Issues
Topic: Using Blur to prevent identity theft
Replies: 5
Views: 985

Re: Using Blur to prevent identity theft

If done correctly, it's a fantastic idea. I hope it gets traction. I am going to hold off and not be a pioneer on this one.
by Rob5TCP
Mon Jun 22, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Using Blur to prevent identity theft
Replies: 5
Views: 985

Using Blur to prevent identity theft

I have been looking at Blur https://dnt.abine.com/#/register to help prevent identity and credit card theft. Among some of its abilities; you can create a new temporary credit card number (with a set amount) for each transaction. "Blurred" temporary telephone numbers - to keep robocalls (m...
by Rob5TCP
Sun Jun 21, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Funds and Raising Interest Rates
Replies: 41
Views: 5259

Re: Bond Funds and Raising Interest Rates

I have mostly been going into CD's rather than bonds for my non-equity portion of my portfolio. At one point, Ally Bank paid 2.47% with a 2 month EWP. This was then a higher yield than bonds with a potentially much lower penalty. If rates lowered and you were to cash it in, of course that would work...
by Rob5TCP
Sat Jun 20, 2015 5:09 pm
Forum: Investing - Theory, News & General
Topic: Wsj article today on reit investing
Replies: 34
Views: 5857

Re: Wsj article today on reit investing

I was also mentioned in that article. I viewed REITS first as an alternative investment; one that would have a lower correlation to the market. Then came 2008 and that fairy tale went out the window.

I am far more methodical with my REIT investments (both domestic/international/timber).
by Rob5TCP
Sat Jun 20, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Norton Anti-Virus
Replies: 12
Views: 1800

Re: Norton Anti-Virus

I don't use MS essentials, among other reasons, because it usually lags on independent tests. Norton, while not my favorite, always did the job. Malwarebytes is great at removal, but has a mediocre reputation at prevention. Also try their new anti exploit, which is becoming increasingly worse than v...
by Rob5TCP
Sat Jun 20, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Issuing a single $590 payment to avoid 1099 reporting
Replies: 13
Views: 1738

Re: Issuing a single $590 payment to avoid 1099 reporting

It's probably not unethical for you to not want to bother with a bunch of 1099's.
Whether it's unethical for the players to not declare it as income is another issue.
I've worked with clients that had a small project and used a larger # of people so
they wouldn't need to send 1099's.
by Rob5TCP
Fri Jun 19, 2015 7:04 pm
Forum: Investing - Theory, News & General
Topic: Treasury Notes Return vs Actual TIPS Return
Replies: 8
Views: 2028

Re: Treasury Notes Return vs Actual TIPS Return

Thank you for that analysis. I was curious. Other than a bunch of TIPS I bought during late 08 (and did very well); I've mostly been accumulating I Bonds since then. Interesting that, for the most part, less than 1% difference between the two (again late 08 and early 09 being the exception).
by Rob5TCP
Fri Jun 19, 2015 9:06 am
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 86
Views: 8136

Re: Password manager recommendations?

When they all you to make up your own safety questions: I make those nonsensical as well. When I had to use mother's maiden name: This is what I used a long time ago and is now different of course) Smith&Barney*Jones?Apple1605-aax I used to keep these in a secured spreadsheet; now I keep it as p...
by Rob5TCP
Fri Jun 19, 2015 9:03 am
Forum: Investing - Theory, News & General
Topic: Interest rate hedged bond ETF
Replies: 9
Views: 685

Re: Interest rate hedged bond ETF

This ETF has -92% bonds and 192% cash. I really can not make out what they have/do from Morningstar: http://portfolios.morningstar.com/fund/summary?t=LQDH&region=usa&culture=en-US effective duration -.09%? Plus the discount / premium is at this moment a -.05% I can not figure out WHAT this ...
by Rob5TCP
Fri Jun 19, 2015 8:41 am
Forum: Investing - Theory, News & General
Topic: Interest rate hedged bond ETF
Replies: 9
Views: 685

Re: Interest rate hedged bond ETF

This ETF has -92% bonds and 192% cash. I really can not make out what they have/do
from Morningstar: http://portfolios.morningstar.com/fund/ ... ture=en-US

effective duration -.09%?
by Rob5TCP
Wed Jun 17, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: Your Top 10 Bands and Top 10 Movies
Replies: 30
Views: 3549

Re: Your Top 10 Bands and Top 10 Movies

Bands:

Green Day
Epica
Five Finger Death Punch
NightWish
Led Zepplin
Disturbed
Guns n Roses
Jimi Hendrix
Blood Stained Endurance
Vampire Weekend
by Rob5TCP
Wed Jun 17, 2015 6:12 pm
Forum: Forum Issues and Administration
Topic: Is it possible to change the user name?
Replies: 7
Views: 1865

Re: Is it possible to change the user name?

Just noticed this

Note: To change your user name, you'll need to reregister. If you have any questions, contact us.
by Rob5TCP
Wed Jun 17, 2015 6:11 pm
Forum: Forum Issues and Administration
Topic: Is it possible to change the user name?
Replies: 7
Views: 1865

Re: Is it possible to change the user name?

I see no means of changing my username!!
by Rob5TCP
Wed Jun 17, 2015 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Call from debt collector, should I follow up
Replies: 19
Views: 2522

Re: Call from debt collector, should I follow up

I checked them on 800notes.com http://800notes.com/Phone.aspx/1-866-368-1565 Also mycallbot has quite a bit on them: as mentioned you could plug their number into nomorobo.com to have the calls diverted from you. http://www.mycallbot.com/numbers/8663681565 They are a collection agency with a spotted...
by Rob5TCP
Tue Jun 16, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Establishing residency in Florida
Replies: 19
Views: 2626

Re: Establishing residency in Florida

Depending on your income, it might not make a great difference. S.S. is exempt from NY State Tax as is the first $20k of IRA distributions (after age 59 1/2). So if your income is modest, they might not bother. I am not sure if that is per person or per household.
by Rob5TCP
Sat Jun 13, 2015 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: How risky is real estate (especially New York City real estate)?
Replies: 26
Views: 3490

Re: How risky is real estate (especially New York City real estate)?

As I posted on another thread.. In terms of rental yield, NYC is the WORST market in America. Absolute worst. http://www.zerohedge.com/sites/default/files/images/user5/imageroot/2014/03/Bottom%2020%20rental%20marketsjpg.jpg http://www.realtytrac.com/content/news-and-opinion/best-and-worst-markets-f...
by Rob5TCP
Sat Jun 13, 2015 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I ask for more stock options?
Replies: 1
Views: 507

Re: Should I ask for more stock options?

Even if those shares should triple, your input would be valued at about $30 per hour ($1500/50 hours). Are these friends that you would do this for without any compensation. Is it your input in any way critical? What would you do if they said no to more shares? Would this negatively impact you in yo...
by Rob5TCP
Thu Jun 11, 2015 4:32 pm
Forum: Personal Consumer Issues
Topic: Online shopping account hacked
Replies: 22
Views: 3131

Re: Online shopping account hacked

To educate myself, I'm reading "Future Crimes", it's all about what the bad guys are doing online to steal from us and more. Very informative. http://www.nytimes.com/2015/05/17/books/review/future-crimes-by-marc-goodman.html It seems like an interesting book, thank you for the reference. ...
by Rob5TCP
Thu Jun 11, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: Online shopping account hacked
Replies: 22
Views: 3131

Re: Online shopping account hacked

To educate myself, I'm reading "Future Crimes", it's all about what the bad guys are doing online to steal from us and more. Very informative. http://www.nytimes.com/2015/05/17/books/review/future-crimes-by-marc-goodman.html It seems like an interesting book, thank you for the reference. ...
by Rob5TCP
Tue Jun 09, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: How risky is real estate (especially New York City real estate)?
Replies: 26
Views: 3490

Re: How risky is real estate (especially New York City real estate)?

The numbers from Schiller are probably the NY metro area. Some areas have recovered very little (if any).
Other areas have a much greater recovery. You have to go by area and not by general trends overall.
by Rob5TCP
Mon Jun 08, 2015 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: How risky is real estate (especially New York City real estate)?
Replies: 26
Views: 3490

Re: How risky is real estate (especially New York City real estate)?

I've both owned and rented in NYC. Yes, if you want a prime midtown address you will pay nicely into 7 figures for a good two bedroom with the added expense of private schools. Queens is probably the best bang for the buck. Moderate homes and 2-3 bedroom condo/co-ops are available in the 500-700 ran...
by Rob5TCP
Mon Jun 08, 2015 9:09 am
Forum: Investing - Theory, News & General
Topic: TIPS Funds Yielding 6+%
Replies: 30
Views: 2412

Re: TIPS Funds Yielding 6+%

I checked the performance of Fidelity TIPS fund FINPX 2010 2011 2012 2013 2014 YTD FINPX 2010 5.89 2011 12.99 2012 6.49 2013 -9.06 2014 3.43 Y-T-D 0.75 5 year average 2.28 10 year average 3.35 It placed most of the time around the 50% percentile. I have a feeling the 6% is a statistical fluke, The a...
by Rob5TCP
Mon Jun 08, 2015 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Cooperative (co-op) unit - Questions to ask
Replies: 12
Views: 1286

Re: Buying a Cooperative (co-op) unit - Questions to ask

the purchase works the same whether there is an underlying mortgage or not. You buy x number of shares in the coop corporation and you own apt 1x. If there is an underlying mortgage that will be reflected in your higher monthly maintenance. If there is no mortgage, your monthly maintenance will be l...
by Rob5TCP
Sun Jun 07, 2015 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Cooperative (co-op) unit - Questions to ask
Replies: 12
Views: 1286

Re: Buying a Cooperative (co-op) unit - Questions to ask

Coops (in NY anyway) are a totally different animal than condos. Boards can be open and rather flexible or they can be narrow and impossible to deal with (and frequently that DOES have an affect on the sales price of the units). The mortgage on the coop is on the entire building - you pay your prora...
by Rob5TCP
Wed Jun 03, 2015 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Buying in NYC
Replies: 28
Views: 2919

Re: Buying in NYC

Having been in NY (Manhattan) for most of my adult life, I've seen several r.e. cycles. Currently Manhattan is off the charts. Unless you score a rent controlled rental (2-3 bedrooms are all but a fantasy), co-op/condo prices are through the roof. Hi end makes all the news with 20/50/100 million new...
by Rob5TCP
Mon Jun 01, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard security code
Replies: 3
Views: 536

Re: Vanguard security code

I always use - 2 Factor authentication (or a slight derivation of that)
I set it up as soon as they offered it.
It's an extra measure of security.
You can register your computer so it "knows" it and won't have to do it each time.
by Rob5TCP
Mon Jun 01, 2015 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: TD Savings Bond Wizard update won't work
Replies: 2
Views: 337

Re: TD Savings Bond Wizard update won't work

Mine just worked as well
by Rob5TCP
Sun May 31, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 9808

Re: Perpetual Travelling

This blog is a by a woman who quit her job at 26, started a solo travel blog and turned it into her current vocation.
http://www.adventurouskate.com/
by Rob5TCP
Fri May 29, 2015 8:59 pm
Forum: Investing - Theory, News & General
Topic: 25 Month CD at 2.27% at US Alliance Federal Credit Union
Replies: 15
Views: 2577

Re: 25 Month CD at 2.27% at US Alliance Federal Credit Union

Though we have some 5 year CDs at Synchrony Bank I've noticed that there EWP provisions are a little on the sneaky side, at least it seems so to me. The Synchrony Bank EWP rates are based on the current rate at the time of withdrawal and not the CD rate. If rates start to rise and you decide you're...
by Rob5TCP
Fri May 29, 2015 7:33 pm
Forum: Investing - Theory, News & General
Topic: 25 Month CD at 2.27% at US Alliance Federal Credit Union
Replies: 15
Views: 2577

Re: 25 Month CD at 2.27% at US Alliance Federal Credit Union

The callable feature is a deal breaker; I prefer to have the option to cancel (EWP). As long as the EWP is moderate, I will go with that over the higher yield that is callable. Synchrony Bank pays .02% less, and has a 6 month EWP. Although that is for 5 years, it's still worth it to me.
by Rob5TCP
Mon May 25, 2015 10:53 pm
Forum: Investing - Theory, News & General
Topic: Why is the higher ER winning?
Replies: 6
Views: 1384

Re: Why is the higher ER winning?

There will always be funds that beat Vanguard. Knowing out of the thousands of funds out there which 5% will beat them over the long run is the hard part. Many will have runs of 1,3,5 years or more when they outperform. Then people pile in and suddenly the "magic" is gone. This fund could ...
by Rob5TCP
Sun May 24, 2015 9:00 am
Forum: Personal Finance (Not Investing)
Topic: NOLO on Sale: Wills, Landlord, buying/selling homes
Replies: 5
Views: 986

Re: NOLO on Sale: Wills, Landlord, buying/selling homes

My popup blocker blocked the 40% off. Thank you.
by Rob5TCP
Sun May 24, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: Recommend Anti-Virus/Internet Security Suite Please
Replies: 16
Views: 1410

Re: Recommend Anti-Virus/Internet Security Suite Please

I take a layered approach. Norton is fine for prevention, though not perfect for scanning (IE infected system). I also use Malwarebytes anti malware which rates poorly on defense but excellent as a scanner. As a third layer I use Spybot. The Norton suite is fine as a firewall anti-virus; and what it...
by Rob5TCP
Sat May 23, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: NOLO on Sale: Wills, Landlord, buying/selling homes
Replies: 5
Views: 986

Re: NOLO on Sale: Wills, Landlord, buying/selling homes

Just went to look up Willmaker Plus; it's at their normal $10 off. Will probably wait until August when the 2016 version comes out
(PS Amazon was cheaper).
by Rob5TCP
Tue May 19, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 1823

Re: Malwarebytes Anti-Exploit

Malwarebytes anti malware is the best for malware option out there. It finds much of what your standard anti virus misses. It is NOT known for it's great ability to block virus/malware. Note: anti exploit is a separate product from the anti malware. There is no scanning with anti exploit. The anti e...
by Rob5TCP
Sat May 16, 2015 1:44 pm
Forum: Personal Consumer Issues
Topic: Digitizing Slides at Costco
Replies: 3
Views: 483

Re: Digitizing Slides at Costco

I had several hundred old slides plus numerous photos scanned by Costco. For the majority they were fine. Several of them I had done at a "boutique" photo The local scanner did a better quality job (higher scan rate and corrections). Still for most of the slides, this wasn't needed. Maybe ...

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