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Re: S. Corp questions

As mentioned earlier, I draw a reasonable salary for the work I do. Close to the end of the year I draw out the profits as dividends. Some years there is a small loss, other years can be 30/35% of my salary. I draw out whatever it turns out to be. I can show that I probably am less than 25% averaged...
by Rob5TCP
Sat Apr 25, 2015 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: S. Corp questions
Replies: 24
Views: 1294

Re: noise-blocking headphones

For the money I like Able Planet. I was not going to spend were $250-$300.
The Able Planet were normally about $100 but were on sale for $45.00

I had jack hammering on the apartment below mine.
I could still hear it (and to a degree feel it); but it made it more bearable.
by Rob5TCP
Wed Apr 15, 2015 9:03 pm
 
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 39
Views: 3076

Re: How do I find a good local Financial Adviser?

Most fee only advisers want a % of AUM (assets under management). There are a handful of advisers that work on a straight hourly basis. Finding one near you may take some time. I believe Alan Roth (who posts here periodically) is hourly fee only, but he works predominantly online and with phone cons...
by Rob5TCP
Wed Apr 15, 2015 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I find a good local Financial Adviser?
Replies: 20
Views: 1487

Re: FDIC Insured Emerging Market Currency Indexed CD? Would

These aren't great but they aren't horrible. If your inclined to invest in foreign currencies (especially emerging market) these are quite a bit safer. There are ETF's that pay interest plus you would directly get currency gains (as well as losses). With this CD, worse case, you lose out on 5 years ...
by Rob5TCP
Tue Apr 14, 2015 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: FDIC Insured Emerging Market Currency Indexed CD? Would u?
Replies: 5
Views: 561

Re: Password manager recommendations?

Since there are only a few with multiples votes; maybe a poll could be added. Just curious.
by Rob5TCP
Mon Apr 13, 2015 11:46 am
 
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 45
Views: 2568

Re: Password manager recommendations?

I narrowed mine down to Keepass and Lastpass and ultimately choose Keepass.
The level of complexity of my passwords since using Keepass has gone up enormously.

My old way was recording the password into password protected documents. This is infinitely easier
ans much more secure.
by Rob5TCP
Mon Apr 13, 2015 10:54 am
 
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 45
Views: 2568

Re: ESPP Worth It?

This is hardly an enticing offer -- only points I would consider it: 1. I was going to buy this stock anyway (though contrary to Bogelhead philosophy) and here I am getting 5% off or 2. NOT buying into this would have some negative connotation at work (not loyal to company, not in the spirit, etc.) ...
by Rob5TCP
Mon Apr 13, 2015 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: ESPP Worth It?
Replies: 17
Views: 1201

Re: regret and depression...how to deal with it

The money adds to but is not the cause of your depression. You need to seek professional help (as mentioned) - That should be a start in helping you accept what happened. Your in better financial shape than 95-99% of the people your age. To focus on what could have been is always counter productive....
by Rob5TCP
Sat Apr 11, 2015 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5765

Re: Good 5 year jumbo or regular CD rate ?

There are periodic specials that popup and are up to 3%. There is no way to know when the next one may be. I look for 2% plus a low EWP and will jump when a much higher rate arrives (if it does). Valor was the last credit union that I know of to have 3% and that ended in July, 2014. There are severa...
by Rob5TCP
Thu Apr 09, 2015 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Good 5 year jumbo or regular CD rate ?
Replies: 7
Views: 1766

Re: Sandwich generation

No one can answer that question for you. If your kids squander whatever you give them - or just the opposite can affect your choice. Your relationship with your Mom and your Kids are too personal and vary person to person. I have a client who barely talks to his kids (for years) yet is helps them wh...
by Rob5TCP
Wed Apr 08, 2015 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Sandwich generation
Replies: 17
Views: 1862

Re: [how to handle a $100] purchase from Guatemala?

I am so sorry everyone- I shouldn't have started a forum question just as I was about to go out of town and unable to respond. Thanks you everyone for the ideas. Let me clarify the question, though. The only way I have to communicate is by email, and not secure. Should I give the credit card # and ...
by Rob5TCP
Sun Apr 05, 2015 5:15 pm
 
Forum: Personal Consumer Issues
Topic: [how to handle a $100] purchase from Guatemala?
Replies: 24
Views: 1628

Re: Montauk Credit Union High CD Rates

I opened up a couple of CD's. Took awhile, they have a VERY small staff. Interest, on my CD's, is credited annually. Rate when I opened them were 2.5% Not sure what they are now. Website very sparse; password is only 10 characters. Also, they go through periods when they are not opening new accounts...
by Rob5TCP
Tue Mar 31, 2015 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Montauk Credit Union High CD Rates
Replies: 16
Views: 1709

Re: Is this a scam: James Rickards

I read a review earlier of him and don't recall the details. He makes prophetic statements, that may/may not happen. Then he sells the solution to you. I believe there were questions about his qualifications - from Wikipedia As of February 2015 Rickards is described as "Financial Threat and Asy...
by Rob5TCP
Mon Mar 30, 2015 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Is this a scam: James Rickards
Replies: 12
Views: 2333

Re: When did you take social security?

I didn't vote - but I will take SS in 13 years when I hit 70.
I enjoy my work and plan to keep going well past 70. I want the maximum amount available to me.
by Rob5TCP
Mon Mar 30, 2015 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12244

Re: How do you store your photos?

When Mom died a couple of years ago we found boxes of old photos (I never knew she had). We did almost a triage. There were photos that no one knew, parents, cousins, grandparents, Aunts, Uncles, etc. We first divided into stacks. The top ones were ones I spent (sometimes hours on one photo) cleanin...
by Rob5TCP
Sun Mar 29, 2015 9:17 am
 
Forum: Personal Consumer Issues
Topic: How to store/archive old photos?
Replies: 29
Views: 2668

Re: What is the best way to help my Mom?

We would have a better handle if we knew her monthly income/expenses
plus retirement assets.
by Rob5TCP
Sun Mar 22, 2015 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best way to help my Mom?
Replies: 5
Views: 662

Re: Anyone concerned about their bond holdings?

I choose to take my risks on the equity side. I have mostly CD's yielding 2.5%/3.0%, with a fair amount of old I Bonds.
Since the CD's have a reasonable EWP, my downside is minimal.
by Rob5TCP
Sun Mar 22, 2015 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5935

Re: External Hard Drive?

2. Flash Drives: Flash drives are about .50 a GB on sale (IE 16GB flash drive can be found for $8). The flash drives are not nearly as stable as the regular ext. hard drives. I've gone through 5 flash drives in two years, but I have the same external hard drives that I bought 3 and 5 years ago (plu...
by Rob5TCP
Sun Mar 22, 2015 1:58 pm
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2455

Re: External Hard Drive?

Backups are critical for me. 1. External Hard Drive: Twice a week I alternate two external hard drives (750GB and 2TB). Both today are under $100 each (WD is 2TB, 750GB is Seagate). 2TB is USB3 which makes a noticeable difference in speed. As @KillJoy mentions, I disconnect the drives when I am not ...
by Rob5TCP
Sun Mar 22, 2015 11:58 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2455

Re: Restaurant tipping

A number of restaurants run on my payroll software so i am quite familiar with that aspect in NYC. They are paid $5+ per hour, with the balance from tips. If they make less than minimum, with tips, it's supposed to be made up by the restaurant. I generally tip 15% for mediocre service, up to 22% for...
by Rob5TCP
Sat Mar 21, 2015 11:32 am
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12607

Re: Which credit union are you a member of?

Pentagon Federal
Valor (formerly Tobyhanna)
Melrose
Montauk
by Rob5TCP
Fri Mar 20, 2015 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5081

Re: 3% CD FDIC - Wells Fargo

if rates rise it won't be called and you will have it for quite awhile. If rates should go lower or stay the same, they will probably call it. You lose if rates should sink (they call it) and you lose if rates go through the roof (you are stuck with it). Only the last few years are really impressive...
by Rob5TCP
Fri Mar 20, 2015 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: Step callable long term CD for fixed income- pros & cons?
Replies: 17
Views: 993

Re: Driving from NYC to Seattle, Must See places?

I did three cross country trips after college and wish I spent 3 times as long going across. If deviations from your schedule are possible: 1. Yellowstone -- one of the most incredible parks (next to Yosemite, perhaps my favorite) 1a. Grand Tetons are right near Yellowstone 2. Zion/Bryce in Utah as ...
by Rob5TCP
Fri Mar 20, 2015 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Driving from NYC to Seattle, Must See places?
Replies: 12
Views: 1145

Re: Best home internet plan for New York City

What part of Manhattan does she live in? FIOS covers most of Manhattan, but there are some pockets it hasn't hit. Check out RCN.COM. I have used them and they are pretty good. If Verizon didn't give me a better rate, I was jumping to RCN (and they also cover much of Manhattan as well). It's not jus...
by Rob5TCP
Thu Mar 19, 2015 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Best home internet plan for New York City
Replies: 8
Views: 869

Re: Best home internet plan for New York City

I'm trying to convince my friend to cut the TV cable cord. When I looked up Verizon service for her address the only thing I could come up with was pathetic...1-3Mbps. It did not list FIOS capability. And Comcast is also not available here. I was astounded....after all, she lives in Manhattan- I fi...
by Rob5TCP
Thu Mar 19, 2015 11:46 am
 
Forum: Personal Consumer Issues
Topic: Best home internet plan for New York City
Replies: 8
Views: 869

Re: Best home internet plan for New York City

Fios has specials - such as 25Mbps internet; 300 regular and 75-100 HD TV stations, plus unlimited local phone, national and Canada about $85 per month. Add on the whores "taxes" that Verizon charges and it's closer to $115.00 Plus they frequently add a $200 or $300 rebate credit card. RCN...
by Rob5TCP
Wed Mar 18, 2015 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Best home internet plan for New York City
Replies: 8
Views: 869

Re: What internet speed is fast enough?

I have FIOS for about 5 years now. They increased my speed from 15/5 to 25/25 (which actually tested at 30/30) I've noticed no difference in the speed since the upgrade. The matching upload speed is heavily advertised but it's mostly b.s. 95%-98% of my load is down (I check every few days). Don't th...
by Rob5TCP
Tue Mar 17, 2015 1:16 pm
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 52
Views: 4998

Re: Another take on Vanguard questionnaire: NYTimes

When you making predictions 10, 20 even 40 years in advance, chaos theory really comes into play. Minor changes along the way can have major implications as time goes on. Monte Carlo simulations are probably the best method we have to get a range as well as probability of outcomes based on various s...
by Rob5TCP
Thu Mar 12, 2015 8:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Another take on Vanguard questionnaire: NYTimes
Replies: 42
Views: 4077

Re: BEWARE-Dell Computer Tech Service (India)

Dell Pro support is domestically based and is generally of a much higher caliber of technicians. This is their business support (though anyone can purchase pro support). I just went to Dell.com and selected a consumer-grade Inspiron laptop. I don't see the ability to choose Pro Support. I see it wi...
by Rob5TCP
Thu Mar 12, 2015 8:03 am
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3532

Re: BEWARE-Dell Computer Tech Service (India)

LLTF1836 wrote:Does anyone know in which country Dell tech support is based?


Regular Dell Support is based off shore; primarily India. Dell Pro support is domestically based and is
generally of a much higher caliber of technicians. This is their business support (though anyone can
purchase pro support).
by Rob5TCP
Wed Mar 11, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3532

Re: BEWARE-Dell Computer Tech Service (India)

Instead of calling it "Dell tech service (India)" you could just call or Dell tech service. +1. It's very odd that OP is doing that. Let's give the benefit of the doubt that he means their outsourced support (which is Dell's regular) vs. Pro support (which is US based). I have to admit to...
by Rob5TCP
Wed Mar 11, 2015 9:25 am
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3532

Re: BEWARE-Dell Computer Tech Service (India)

I have avoided Dell's standard support like the plague.
However, I have found the domestic pro-support to be helpful and competent. Yes, it costs extra.
When I had a major project and had a system crash, pro-support found the issue (11:30 at night).
by Rob5TCP
Tue Mar 10, 2015 5:50 pm
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3532

Re: Poll: would-be semi-retirees, could you find part-time w

While I have seen some minor age discrimination; my particular niche means I should have little trouble when I decide to go part time. As i mentioned in an earlier post, legacy software gives me opportunities that don't exist in some other fields. And the paucity of support for that particular appli...
by Rob5TCP
Tue Mar 10, 2015 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: would-be semi-retirees, could you find part-time work?
Replies: 6
Views: 762

Re: Slate Article: Dream on Babyboomers-Semiretirement is a

There are two sides to this. A fair number (about 30%) of my clients are on legacy software with years of heavy modification. I can receive SS in about 5 years, but will continue working because I choose to. The number of people capable of supporting this legacy program has dropped dramatically fast...
by Rob5TCP
Tue Mar 10, 2015 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Slate Article: Dream on Babyboomers-Semiretirement is a Myth
Replies: 20
Views: 3059

Re: Just cut my cable bill...

Dropped Verizon Wireless for Virgin Mobile. Phone service is not nearly as good, however 90% of what i use the smartphone for is texting, email, and internet (mostly wifi). My bill dropped from around $100 per month down to $38 per month. I still use Verizon for internet/phone/TV because the first t...
by Rob5TCP
Sun Mar 08, 2015 9:49 am
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5673

Re: How Many Credit Cards Do You Actually Use?

I use 3 cards regularly:
Capital One - 2% back on everything, but can only be used on travel
Barclay - 2% on groceries/utilities, 1% on everything else.

Semi regularly
Costco Amex
by Rob5TCP
Sat Mar 07, 2015 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Actually Use?
Replies: 67
Views: 5120

Re: CD's for Short-term savings

I like the option of a relatively cheap "put" of 5 months. For my own savings, I am dividing into long term at 3.04% (Valor - no longer available but you can add); and Ally in case of rapid interest rate increases. There is a caveat: a small number of banks have drastically changed the EWP...
by Rob5TCP
Fri Mar 06, 2015 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD's for Short-term savings
Replies: 6
Views: 702

Re: Tourists in Manhattan

First I would stay in the city. If your tired for a bit, you can run to the hotel, relax and then go out again. If you in NJ or Westchester, you would not have that same options. AS for resturants, there are 15,000+ in NYC What type of food; what price range; there are great restaurants in all price...
by Rob5TCP
Wed Mar 04, 2015 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4769

Re: What is your credit score?

It varies from 783 to 802 (depending on the service). I would assume MOST Bogleheads (especially over 50) would tend to have much higher
than average credit scores.
by Rob5TCP
Wed Mar 04, 2015 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 63
Views: 5826

Re: What's your average ER?

I thought my exp ratios were low - everywhere but here they would be considered close to rock bottom.
MY current is .19% which is down almost a full % point from what it was 10 years ago (Janus and Fidelity). Even 5 years ago I was closer to .45/.4
by Rob5TCP
Sun Mar 01, 2015 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7658

Re: Favorite chocolate candy

Jacques Torres is my favorite high end chocolate; their dark chocolate with praline or liquor combinations are incredible. They used to be produced about 1 miles from where I live; but no longer produce it there.

http://www.mrchocolate.com/dark-chocolate-1.html
by Rob5TCP
Sun Mar 01, 2015 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 51
Views: 3793

Re: "2015 Annual Letter by Scott Burns and Kennon Grose"

Always a good lesson Taylor - thank you

Below is a link to the investment returns by class over 10 years -- in periodic table format
notice how REITS were top 4 years and near the bottom 4 years

http://seekingalpha.com/article/1928381 ... 04-to-2013
by Rob5TCP
Sat Feb 28, 2015 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: "2015 Annual Letter by Scott Burns and Kennon Grose"
Replies: 8
Views: 1225

Re: Should you tip when picking up takeout food?

I have several restaurants as clients, so I know what they make (at least in NYC). The waiters do OK because of tips (general $13/$14- up to $30+ per hour) depending on shift seniority. Kitchen staff share a % of the tip plus they get minimum wage. The delivery guys fare OK. Those that handle the ta...
by Rob5TCP
Fri Feb 27, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 54
Views: 4163

Re: Help! I can't afford to eat on my South Beach vacation

Here is the Yelp connection for reasonable places on/near South Beach I forget where I ate in December when were by South Beach. It was moderate for lunch (about $20 per person) dinner we had pizza. http://www.yelp.com/search?find_desc=Restaurants&find_loc=New+York%2C+NY&ns=1#find_loc=South+...
by Rob5TCP
Mon Feb 23, 2015 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 5233

Re: help me speed up my computer

A quick test to see if your computer is slow: go to start - computer - system properties - it will give a rating in the middle that will give you a GENERAL idea of the speed of your machine click on windows experience index you should be anywhere from 5 to as high as 8; depending on the speed of yo...
by Rob5TCP
Sun Feb 22, 2015 4:48 pm
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3984

Re: help me speed up my computer

A quick test to see if your computer is slow: go to start - computer - system properties - it will give a rating in the middle that will give you a GENERAL idea of the speed of your machine click on windows experience index you should be anywhere from 5 to as high as 8; depending on the speed of you...
by Rob5TCP
Sun Feb 22, 2015 10:52 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3984

Re: Tobyhanna (Valor)-did they change conditions of 7 year C

If that holds, it really is good news. I will move my CD over in August; now that there will be no 3% charge.
Thanks for the post.
by Rob5TCP
Wed Feb 18, 2015 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: Tobyhanna (Valor)-did they change conditions of 7 year CD?
Replies: 11
Views: 1031

Re: Anyone know a source showing avg. real wage in 70's vs t

This is a somewhat different figure that I found
I could find no real wage with history only a year at a time
this is per capita over the years.
http://www.census.gov/hhes/www/income/d ... /p01AR.xls
by Rob5TCP
Wed Feb 18, 2015 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone know a source showing avg. real wage in 70's vs today
Replies: 19
Views: 2040

Re: Anyone know a source showing avg. real wage in 70's vs t

From the SSA the average wage over the past 60 years

http://www.ssa.gov/OACT/COLA/AWI.html
http://www.ssa.gov/OACT/COLA/awiseries.html

I don't know if they are using actual average or median.
by Rob5TCP
Wed Feb 18, 2015 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone know a source showing avg. real wage in 70's vs today
Replies: 19
Views: 2040

Re: Tobyhanna (Valor)-did they change conditions of 7 year C

This is disturbing and does negate one of the main advantages of this account. Also, my opinion of Valor has dropped several notches after this. I have a major CD maturing in August that I was going to transfer (6 figure). Unfortunately with the surcharge I will evaluate all options. One I am consid...
by Rob5TCP
Tue Feb 17, 2015 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Tobyhanna (Valor)-did they change conditions of 7 year CD?
Replies: 11
Views: 1031
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