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Re: 36 percent decline in net worth

I anybody else wondering why almost all the 2013 medians are down from 2009. Even the median for the 95th percentile is down 2009 to 2013. That has not been my experience. I know that this can come from the people in the percentile groups being different people, but that would not seem to explain w...
by Rob5TCP
Sun Jul 27, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: 36 percent decline in net worth
Replies: 32
Views: 3225

Re: POLL: My home is worth less/more in 2014 than in 2007?

The place I bought for my Mother (in central Florida) in 2007 went down to as much as 60% below what I paid (if you could find a buyer)
It's still down over 30%-40% (but the area is pretty inexpensive - so in $ terms it's not terrible).
by Rob5TCP
Sun Jul 27, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 42
Views: 1675

Re: Fraudulent Charges Mystery

Three times in 4 years I have changed my cap one m.c. I even found one offender in Vancouver, B.C. Nothing could be done because the dollar amount (while increasing) was small. The worst occurred 3 months ago the day before my vacation. The charge was to a weight loss program - that sent the 2 weeks...
by Rob5TCP
Sun Jul 27, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Charges Mystery
Replies: 11
Views: 1367

Re: "best" online booking service for hotel room?

Yelp - for restaurants; travel adviser for room reviews
priceline and/or kayak for rate comparisons.
by Rob5TCP
Sun Jul 27, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: "best" online booking service for hotel room?
Replies: 12
Views: 679

Re: Should I become a CFP?

There are a lot of issues. The "easiest" is getting your certification. Creating a client base that you can make a living is the hardest. Assuming low overhead and charge 3/4% for AUM you will need roughly 10 million in assets under management. This assumes, no office expenses, phone expen...
by Rob5TCP
Sun Jul 27, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I become a CFP?
Replies: 8
Views: 690

Re: Do Bogleheads Ladder CDs Anymore?

I still ladder - i wait every year for cd "specials" - they usually exceed what the current yield is for bonds. Though bond funds, of course, can have a higher return when yields go down. PenFed had a special Dec-Feb of 3% for 5 years. Currently another bank has a special of 3.04% for 7 ye...
by Rob5TCP
Sat Jul 26, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads Ladder CDs Anymore?
Replies: 25
Views: 2142

Re: Possibility of getting sued - what steps to take

People, in this country, sue for anything. Finding a lawyer to take it and whether the jury responds is another matter. Hopefully you have insurance. There are seedy lawyers/doctors who will make things seem much worse then they are. An insurance company would probably give him a few thousand just t...
by Rob5TCP
Sat Jul 26, 2014 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Possibility of getting sued - what steps to take
Replies: 12
Views: 1555

Re: Wall Street Journal Subscription Increase

If you read the fine print, it almost always says you will automatically be renewed at the prevailing rate. I did not have the WSJ for years, when I found how to get a free subscription from a posting on Bogleheads. I stopped my subscription for most of the summer. If the renewal rate is reasonable,...
by Rob5TCP
Fri Jul 25, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 24
Views: 1344

Re: cash in ibond or use savings for education

If used for education, the interest is NOT taxable. However, if you bought it 2 years ago, the total dollar value of the interest may be negligible. $5,000 at 2% total return times 2 years=$200. At 25% rate, that's about a $50 savings. If you had it longer or had much more than 5 or 10k; the tax sav...
by Rob5TCP
Mon Jul 21, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: cash in ibond or use savings for education
Replies: 9
Views: 676

Re: Poll - Do you use Quicken?

I used MS Money for many years. Finally when the end came I switched to Quicken. HATED IT. I found Money infinitely better for investment tracking/returns. Not as visually interesting as Quicken but much greater functionality (IMHO). I now use the free sunset edition of Money, which works on Win7 (g...
by Rob5TCP
Mon Jul 21, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 66
Views: 3276

Re: Implementing Two-Factor Authentication for Fidelity Acco

Everytime I talk to Vanguard (about anything) I bring up 2 factor authentication. They are now one of the few main financial institutions I deal with that don't use it.
by Rob5TCP
Mon Jul 21, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 35
Views: 9018

Re: Market Timing vs. Market Opportunity

Do you think that the rest of the people involved in the stock market don't have this same information? In 1999, I was very excited to hear that 3COM was spinning off its wildly popular Palm Pilot into its own company. I followed the IPO with great interest, and IIRC the first IPO price was about $...
by Rob5TCP
Sat Jul 19, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Market Timing vs. Market Opportunity
Replies: 46
Views: 2925

Re: Anyone here use Personal Capital?

After reading the first posts; I decided to try it. When I went to sign up, they asked for all my accounts and passwords. I immediately withdrew my account. I have long complicated passwords that I zealously guard. I am not going to surreptitiously give it away just to have some graphs. I think I wi...
by Rob5TCP
Sat Jul 19, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 49
Views: 4623

Re: [Poll] % of 3 funds in your financial asset portfolio?

I excluded I Bonds from this total (and they are almost 20% of assets);
also excluded CD's (which I have gone to for the most part; instead of bonds)
of the balance 3 funds are almost 58%; Wellington (my only real bond part and my largest holding) Total domestic; Total international;
by Rob5TCP
Sat Jul 19, 2014 7:20 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1675

Re: New Grad needing some advice

First build up an emergency reserve fund - in case anything should go wrong. Banks like Ally pay close to 1% for short term emergency funds. Keep reading on the Bogleheads.org Where you work; find out if there are any retirement plans- especially those with a matching fund. It might not mean much no...
by Rob5TCP
Tue Jul 15, 2014 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Grad needing some advice
Replies: 14
Views: 1146

Re: what is "at-cost investing" ?

While I respect the Johnson family of Fidelity, the Schwab family of Charles Schwab, and most of all, John Bogle of Vanguard; only one of them is not a multi billionaire. Guess which one. Vanguard does pay it's top people well, but none are billionaires. That money comes from somewhere - and general...
by Rob5TCP
Tue Jul 15, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: what is "at-cost investing" ?
Replies: 8
Views: 1341

Re: HSA and Medicare

I don't know if this is identical. I just worked with a client and he had me check his HSA contributions. Since he started Medicare 3 months earlier - he had over-contributed to his HSA. He called the provider and had a refund on the over-contribution. He told them when he started collecting and the...
by Rob5TCP
Tue Jul 15, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA and Medicare
Replies: 19
Views: 1421

Re: POLL: Walmart vs Amazon

First, there are none [Walmarts] in NYC (though I think that is crazy). Not that is an interesting factoid! Actually it's a FACT go to Walmart and check - Here is a listing of all Walmarts in NYC (NONE) just as I stated. They ARE on Long Island, Westchester and New Jersey; but none in NYC http://ww...
by Rob5TCP
Sat Jul 12, 2014 9:37 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8041

Re: POLL: Walmart vs Amazon

First, there are none [Walmarts] in NYC (though I think that is crazy). Not that is an interesting factoid! Actually it's a FACT go to Walmart and check - Here is a listing of all Walmarts in NYC (NONE) just as I stated. They ARE on Long Island, Westchester and New Jersey; but none in NYC http://ww...
by Rob5TCP
Sat Jul 12, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8041

Re: POLL: Walmart vs Amazon

I rarely, if ever, buy from Walmart. First, there are none in NYC (though I think that is crazy). I just prefer Costco with the added knowledge that employees are well treated. I find their food selection (though limited) superior to my one I saw at my two visits to Walmart. Additionally, they have ...
by Rob5TCP
Sat Jul 12, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8041

Re: High end purses

My Canadian girlfriend loves Coach (Hermes too, but that is OFF the charts clutches are $1,500 and handbags can go over $10k top of the line). Where she lives there are no Coach Outlets. So I have purchased several over the years, when she is in NY. This year I bought several in from Chinatown to se...
by Rob5TCP
Sat Jul 12, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10949

Re: How much do you spend on your hobby annually?

My main hobby (besides biking when I am not injured) is collecting photographs. The costs is all over the place. Some years the cost is negative because I sell a photo I no longer want. Some years it runs high 4 to low 5 figures; if I am active at the auction houses. In total, my hobby, has a reason...
by Rob5TCP
Sat Jul 12, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on your hobby annually?
Replies: 77
Views: 6972

Re: $31,900 lump sum vs. $2,500 yearly?

The lump sum and annual interest payments seem equivalent, based on a single payment immediate annuity , and depending on your mom's actual age and annuity type. This is NOT comparable to an SPIA, since you get can your money out when you sell. An annuity pays until you die and that is usually it (...
by Rob5TCP
Fri Jul 11, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: $31,900 lump sum vs. $2,500 yearly?
Replies: 6
Views: 1227

Re: Full time vs IT contract

Wow - full time gig; I am an independent contractor for most of my adult life and I would not change it. However, my hourly is more than twice what the comparable pay is per week (based on 40 hours). Not that I am in my mid 50's; I have dropped to 3 days a week most of the year and 2 days in the sum...
by Rob5TCP
Thu Jul 10, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Full time vs IT contract
Replies: 29
Views: 3464

Re: Extremely Heavy Duty Office Chair

I bought the Steelcase Leap chairs from a store that sells "quality" used Aeron and Leap Chairs are a good price.
I bought mine about 7 years ago and still suits me very well.
I can spend hours everyday at my workstation.
by Rob5TCP
Wed Jul 09, 2014 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Extremely Heavy Duty Office Chair
Replies: 15
Views: 1765

Re: Vanguard Internet

As much as it bothers me that vanguard is using vulnerable RC4 encryption, it would bother me more to have that stuff in the mail! I just looked up the RC4 encryption and even Microsoft and Cisco is recommending to stop using it. http://www.theregister.co.uk/2013/11/14/ms_moves_off_rc4/ I AM somewh...
by Rob5TCP
Wed Jul 09, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Internet
Replies: 23
Views: 2695

Re: Windows 7 free support will be ending in 2015

Extended Win7 report will go to 2020. If there is a small fee; so be it.

http://windows.microsoft.com/en-us/windows/lifecycle
by Rob5TCP
Tue Jul 08, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 free support will be ending in 2015
Replies: 27
Views: 2235

Re: POLL: How Old is Your Newest Motor Vehicle?

I live in Manhattan so I have only one car; a 1998 Ford Escort with 51,000 miles.
If I don't go carless (and join ZipCar)) I would probably replace it in the next couple of year, for safety reasons only.
by Rob5TCP
Mon Jul 07, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle?
Replies: 37
Views: 2406

Re: Car did not start: To dispose? How?

1. I had a starting problem - and AAA offered two choices (at least AAANY) they would start my car and then have me drive it to recharge they offered to test the state of my battery if the test failed, they bring a replacement battery with them. I assume if they bring the battery, it was going to be...
by Rob5TCP
Mon Jul 07, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5515

Re: Vanguards Devil's Advocate

There are dozens if not hundreds that advocate ways "to get rich". Some blogs i have looked at in the past had articles comparing 5% per month vs. 25% per month; then debating if 25% per month is really "realistic (as if 5% per month is the norm). They go all over the place. If you sp...
by Rob5TCP
Sun Jul 06, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguards Devil's Advocate
Replies: 55
Views: 7205

Re: Jonathan Clements WSJ: His index fund portfolio

His columns aren't aimed at just Bogleheads for the most part. So this would be useful to his general readership.
by Rob5TCP
Sun Jul 06, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Jonathan Clements WSJ: His index fund portfolio
Replies: 13
Views: 2971

Re: Time to buy a tv or wait 2 years?

For what it's worth I bought my Panasonic plasma in 2007 and it was one of my best purchases ever. No regrets. Was thinking about getting a bigger one but saw one of the ultra HD models at Costco last week and I was almost as stunned as the first time I saw an HD TV. I'll probably hold out another ...
by Rob5TCP
Sat Jul 05, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5734

Re: Time to buy a tv or wait 2 years?

My Costco Panasonic Plasma is now 5 years old and going strong. Yet, I find a large part of my viewing is done on my 24" computer monitor - I save the TV for movies and certain shows. As for 4K; I saw a similar chart a few months ago and it convinced me that I would see minimal improvement at m...
by Rob5TCP
Fri Jul 04, 2014 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5734

Re: Vanguard - Energy Fund

I have three sector funds, Health care, energy, and REITS. I bought the first two long before I knew about the Boglehead way and kept them. Sometimes they do better than the Total stock market, other times not as well. Ultimately I will probably keep the REITS and just merge energy and Health care i...
by Rob5TCP
Wed Jul 02, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - Energy Fund
Replies: 31
Views: 3821

Re: International stock allocation: currency risk

Are there any Vanguard ex-US that are NOT hedged? Vanguard international stock funds are not hedged, as far as I know. The international bond funds hedge currency risk, but here we're discussing stock funds. Kevin Thank you - I thought both stock and bond funds were hedged. I wish the bond was unhe...
by Rob5TCP
Tue Jul 01, 2014 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: International stock allocation: currency risk
Replies: 29
Views: 1325

Re: International stock allocation: currency risk

Are there any Vanguard ex-US that are NOT hedged?
by Rob5TCP
Tue Jul 01, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: International stock allocation: currency risk
Replies: 29
Views: 1325

Re: Bonds vs. Cds Discussion

I have bought several 3% from Pen Fed and 2.75/2.5 from various credit unions.
Some had 6 months withdrawal penalties and some had 12 months.
They made more sense to me than did buying bonds.
by Rob5TCP
Wed Jun 25, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds vs. Cds Discussion
Replies: 22
Views: 1479

Re: How can they claim this?

Just trying to see how they can claim something like beating the 3-fund portiflio? . There is little regulation on what they can claim - take a look at some of the claims of that infamous newsletter published by someone with the initials D.W. And yes they did beat S&P for the 10 years period - ...
by Rob5TCP
Wed Jun 25, 2014 9:42 am
 
Forum: Investing - Theory, News & General
Topic: How can they claim this? [Permanent Portfolio beat S&P 500]
Replies: 25
Views: 2674

Re: Guaranteed profit from forex trading

This was fun: Website looks like it was created by kids. Nothing about how they do what they do. You take all risks and they get half the reward.(unless they fail - which they will) HEY I WILL DO THAT FOR 25%. Get 100 suckers (I mean customers) bet half one way the other half way the other way. Have...
by Rob5TCP
Mon Jun 23, 2014 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: Guaranteed profit from forex trading
Replies: 14
Views: 1314

Re: Best CC for (new) purchases

I use Capital One reward card first year free, then $59 per year
but 2% return on everything (caveat, must be used on travel expenses)
by Rob5TCP
Sun Jun 22, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best CC for (new) purchases
Replies: 43
Views: 3118

Best free international texting app

Looking at Whatsapp Heywire Viber I text a lot to Canada and need a good free texting app. I am concerned that Facebook bought whatsapp. Primary interested in Canada- would be an extra if the other user would not also need to use the app but could use their current texting mode. If not possible, sti...
by Rob5TCP
Sun Jun 22, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Best free international texting app
Replies: 22
Views: 876

Re: [Poll] If all active funds have ER= 0.05%, will you buy

I have a large amount of Wellington, I might increase it a bit.
by Rob5TCP
Sun Jun 22, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 2662

Re: Suggestions for 1-2 Days in NYC?

The quintessential NY Item (in addition to pizza) is the bagel: this links really shows some of the best in the city My two favorite are in my neighborhood and ironically the second one learned the craft from the first one) both on 1st Avenue between 16th street - 21 st street Ess-A-Bagel David's Ba...
by Rob5TCP
Sun Jun 22, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3075

Re: I Bonds 5.27% interest

I was new to the Vanguard forum (wherever it was) and saw the recommendation for I Bonds. I also saw that Andrew Tobias was recommending the same thing. At worst, I could cash them in after a year, so I bought the max. I didn't realize, at the time, that on a risk adjusted basis; this would be the b...
by Rob5TCP
Sun Jun 22, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3658

Re: I Bonds 5.27% interest

This table shows the base rate change every 6 months since I Bonds were introduced.
They also used to have great current information about the Bonds - but they have pretty
much reduced it to just current 6 month rates.


http://www.savings-bond-advisor.com/ser ... ase-rates/
by Rob5TCP
Sat Jun 21, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3658

Re: Suggestions for 1-2 Days in NYC?

Much as I consider them a ripoff; my friends have enjoyed the get on/get off bus tours of NY. They have uptown/downtown tours. Pros: They cover a good part of the city; if it's a nice day you do get to see a lot Cons: Buses aren't every 15 minutes as stated, if it rains; it's the pits on them; I hav...
by Rob5TCP
Fri Jun 20, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3075

Re: Microlending or Lending Clubs?

Here are prior discussion about lending clubs on this site:

https://www.google.com/search?sitesearc ... nding+club
by Rob5TCP
Fri Jun 20, 2014 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Microlending or Lending Clubs?
Replies: 5
Views: 723

Re: Noise blocking earphones

Because of Sandy I have loud jack hammering (finally doing the long term repairs) for 2-4 hours a day. Earplugs helped a bit. However, Able Planet noise cancelling phones dropped about 95% of the sound level. Yes I still hear it, but it's manageable. They were less than $100 and worth the investment...
by Rob5TCP
Fri Jun 20, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Noise blocking earphones
Replies: 18
Views: 987

Re: Do you see profit or ponzi?

Giving the benefit of the doubt (and there is huge doubt); I wonder if these results are real or are from BACK TESTING. I could design a portfolio using back testing to just about give you any results you want. As an added bonus they would be of the mathematical variety, and being aggressively conse...
by Rob5TCP
Thu Jun 19, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Do you see profit or ponzi?
Replies: 100
Views: 7075

Re: Poll: Do you receive compensation for financial advice?

Friend treated me to an expensive dinner after I got her to switch. Not a complete victory: she went from an INSANELY expensive advisor (1.5% plus fund fees) to .7% and much lower costs fund fees. A partial victory is better than none. The dinner was expensive, that could put me in the compensated c...
by Rob5TCP
Wed Jun 18, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you receive compensation for financial advice?
Replies: 29
Views: 2073
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