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Re: Income on credit card application for high assets/low in

The last two credit cards I received, both were given from my credit reports. I don't recall ever being asked income (or proof of stated income). I know my credit scores are very high, so I assumed that's all they used (unless they have access to my income as well). I do remember my Mother being tur...
by Rob5TCP
Thu Jan 29, 2015 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Income on credit card application for high assets/low income
Replies: 21
Views: 856

Re: Income on credit card application for high assets/low in

Your credit LIMIT should be based on your income. Whether you receive a card or not is primarily (I would imagine) based on your credit score. If you have a 750-800 credit score you should get a card. Your income might keep your credit limit down. If you pull out $25,000 a year (regardless of whethe...
by Rob5TCP
Thu Jan 29, 2015 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Income on credit card application for high assets/low income
Replies: 21
Views: 856

Re: What age did you move out?

Left for college at 17; but spent summers and holidays at home. Didn't fully move out until after grad school; when I was almost 25. Would have stayed longer if folks didn't decide to "dump me" for Florida. The place I moved to after leaving home was shared with 6 guys with 4 bedrooms (I h...
by Rob5TCP
Wed Jan 28, 2015 9:56 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 4702

Re: What mutual fund companies do you use?

I started investing with Janus. After the 2000 crash I switched to Fidelity active funds.
About 2-3 year later began the gradual move to Vanguard. No I have all my equities at Vanguard
(though I have 2 non-Vanguard funds - a small portion of my equity portfolio).
by Rob5TCP
Tue Jan 27, 2015 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 61
Views: 2648

Re: wife's purse

I buy my gf at least on Coach bag a year, mostly from the outlets. While nice, the outlet bags are for the most part made for the Outlets. I bought one in the Key West outlet for $135 that had a 50%/50% listing. There is no way that sold for $540 and when I inquired she told me the same. That origin...
by Rob5TCP
Mon Jan 26, 2015 8:13 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 35
Views: 3064

Re: Advice on Brokerage CDs?

If you are sure you won't need the money for 5 years brokered CD's are fine. If and only if you need the money earlier they would have to be sold on the secondary market and they would pay whatever the market would pay. With a bank CD, you would pay and EWP charge - which could anywhere from 6 month...
by Rob5TCP
Sat Jan 24, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Brokerage CDs?
Replies: 25
Views: 982

Re: Would you use MaskMe?

Many years ago American Express offered this. Unfortunately, as it really became needed, they dropped it. I use PayPal whenever I am given the option. I hate all the sites that I have to give my real c.c. #. I've had 4 card numbers stolen within the past two years. If this site turns out to be legit...
by Rob5TCP
Thu Jan 22, 2015 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use MaskMe?
Replies: 12
Views: 1490

Re: Switching from Vonage to Ooma Phone Service

I have Vonage and was looking to switch to Ooma. When I called about my service, they offered me a preferred rate. I have been with Vonage for 7-8 years and my total now is about $16 with taxes. It's not worth switching; I do use many of Vonage's other services, plus I like the ease of getting live ...
by Rob5TCP
Tue Jan 20, 2015 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching from Vonage to Ooma Phone Service
Replies: 16
Views: 1024

Re: Microsoft Money Plus Sunset

I have used the sunset edition since I gave up using Quicken (awful for an investment portfolio). I've been with MS Money for many years when they discontinued support and mistakenly switched to Quicken. After 3 months I went back to the MS Money and found the newer sunset edition. While it doesn't ...
by Rob5TCP
Tue Jan 20, 2015 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Microsoft Money Plus Sunset
Replies: 12
Views: 1319

Re: Valuation of I Bonds

I don't know of an easy formula to compare the two - savings bond advisor has a sheet comparing the differences between the rates of 10 year TIPS and IBonds over the past 11 years http://savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/ The differences were as high as 244 basis points...
by Rob5TCP
Fri Jan 16, 2015 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Valuation of I Bonds
Replies: 29
Views: 2932

Re: Trip to Churchill to See the Polar Bears

Here is a page giving prices for various tours to Churchill. Most leave from Winnipeg. http://www.wildlifeadventures.com/nature-tour/north-america/polar-bears-of-churchill.html Here is the most economical one from this group -- 2 days on the Tundra Buggy and one night in Churchill for $2,500.00 http...
by Rob5TCP
Thu Jan 15, 2015 10:56 am
 
Forum: Personal Consumer Issues
Topic: Trip to Churchill to See the Polar Bears
Replies: 6
Views: 990

Re: 3%, 10-year CD bought today

You have no ewp on a brokered Cd. However, you sell it for whatever the secondary market will pay.
Since it is pretty thinly traded, it probably is not a great idea (unless you sell when interest rates
go down).
by Rob5TCP
Wed Jan 14, 2015 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3387

Re: Trip to Churchill to See the Polar Bears

We did not make the trip after investigating for quite a number of weeks. She is in Edmonton, so we were going to go to Churchill instead of Banff/Lake Louise, which we had done twice before. She was not as keen as I, and the cost for 2-3 days seemed excessive unless we were both onboard. I loved th...
by Rob5TCP
Wed Jan 14, 2015 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Trip to Churchill to See the Polar Bears
Replies: 6
Views: 990

Re: Bought more REITs today

I sold some of my REITS because they exceeded my % range in my investments. I also sold some of my Vanguard Health Care. To bring my %'s in line, I bought Int Index, Foreign REITS, and Vanguard Energy. Though I have been buying the international index for years and it's been consistently below domes...
by Rob5TCP
Tue Jan 13, 2015 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought more REITs today
Replies: 48
Views: 4656

Re: Time to redeem Ibonds and EE bonds?

If you bought IBonds 10+ years ago - some may have a yield that is no longer available and should probably not be cashed. Current IBonds pay 0.0% to .2% over inflation. Ten+ years ago they paid 2+ all the way up to 3.6% above inflation. These rates have more than 15 years to go. I would hesitate to ...
by Rob5TCP
Tue Jan 13, 2015 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Time to redeem Ibonds and EE bonds?
Replies: 11
Views: 1455

Re: Need help informing my father he is making a mistake

What about breaching the idea of a test: maybe 1/2 his money with ML; and the other 1/2 with Van and annually look at the differences in balance. At the very least - setup a benchmark to compare what he real life returns in the next year are to that benchmark and maybe have that test show before/aft...
by Rob5TCP
Mon Jan 12, 2015 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4916

Re: Poll - How much is enough / what's your number?

Since I am getting nearer to the 60 mark; $1-2 (closer to $2) should do it.
I will work part time when I retire, just keeping the clients I choose.

If I were 18/19 my number would be closer to 3-5.
by Rob5TCP
Mon Jan 12, 2015 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7549

Re: Recommendations for Family Trip to San Diego

Wild Animal Park (Safari Park) I second the Wild Animal Park. Even better than the more famous zoo. Add a third vote - we went Oct 2013 (after being shut out of Zion NP because of the shutdown, we switched to Southern CAL) that was a highlight of our trip. We took the "safari" that was ab...
by Rob5TCP
Mon Jan 12, 2015 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations for Family Trip to San Diego
Replies: 16
Views: 1402

Re: Any art "investors" here?

I have a friend with a great eye for frames. I used to have it framed for me. Since almost all of the photos I buy are matted (the signatures are usually on the mat) I buy just the frame or I may double mount it. The savings by framing myself vary between 40-75%. Here is my source for frames. They a...
by Rob5TCP
Sun Jan 11, 2015 9:58 am
 
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 69
Views: 5821

Re: Any art "investors" here?

My art is insured with a general rider. Certain photographs are higher value and require a rider for each. I keep those in insured storage
(and have a "lesser" copy at home).
by Rob5TCP
Fri Jan 09, 2015 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 69
Views: 5821

Re: Any art "investors" here?

I have been collecting photographs (and photogravures) for over 25 years. Mostly I bought at auction. I attended auctions for a year before I bought my first (and quite nervously bidding). Most of the items I bid on have increased in value enormously over the years, Back then you could buy an Ansel ...
by Rob5TCP
Fri Jan 09, 2015 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 69
Views: 5821

Re: Should We Stay Or Should We Go?

Look ahead 5 years and see where you would rather be. Is your old neighborhood stable or one in transition. If in transition, is it going in a positive or negative direction. If you have kids, where would you feel safer for them walking home after dark? How do the schools compare? It's not what you ...
by Rob5TCP
Fri Jan 09, 2015 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Should We Stay Or Should We Go?
Replies: 33
Views: 4098

Re: FIGY - is it as dangerous as it sounds?

It's rather speculative. It's not something you would want as a core holding. Maybe a small percentage, if that. The range of 83-134 over a period of a little over 1 year, is wild for a bond fund (June, 2013 to July, 2014). I am not sure what purpose this fund would serve on a balanced, diversified ...
by Rob5TCP
Thu Jan 08, 2015 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: FIGY - is it as dangerous as it sounds?
Replies: 1
Views: 604

Tobyhanna Credit Union 3.04% 7 year is gone

Their best CD now is 60 month 1.85% APY
3% is becoming harder to find.
The beauty of that one is it allowed you to add in the future.
The downside was the 2 year EWP.
by Rob5TCP
Thu Jan 08, 2015 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Tobyhanna Credit Union 3.04% 7 year is gone
Replies: 0
Views: 298

Re: Poll: Do you own I Bonds?

Over a dozen years ago, thanks to this site (and Andrew Tobias) I bought as much as I could before the rates tanked. Half are at 3.0% and the balance 1.2%. I still have them, though I have not bought much since rates dropped below below 1.2% (almost 8 years ago). I believe it was Mel that was "...
by Rob5TCP
Tue Jan 06, 2015 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5473

Re: JD Mellberg 8% Lifetime Return Claim - Legitimate?

I've gotten a bunch of emails from J Melberg - on special type of hybrid annuities, annuities paying 8%.
When I checked immediate annuities, the rate of 8% is shown (actually 7.67%), but only if your 70 years old
(with no death benefit or co beneficiary).
by Rob5TCP
Tue Jan 06, 2015 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: JD Mellberg 8% Lifetime Return Claim - Legitimate?
Replies: 12
Views: 1471

Re: Poll: Do you own I Bonds?

Over a dozen years ago, thanks to this site (and Andrew Tobias) I bought as much as I could before the rates tanked. Half are at 3.0% and the balance 1.2%. I still have them, though I have not bought much since rates dropped below below 1.2% (almost 8 years ago). I believe it was Mel that was "...
by Rob5TCP
Tue Jan 06, 2015 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5473

Re: Was it a mistake to move into PenFed 5-year CDs a year a

Swampy wrote:So who is offering a 3% five year CD?

Tobyhanna's deal is a 7 year CD and the rate caps once the account reaches $100,000 (including accrued interest over those 7 years).


Just be aware that Tobyhanna has a stiff 2 year withdrawal penalty.
On the plus side, you can add to this CD in future years.
by Rob5TCP
Mon Jan 05, 2015 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Was it a mistake to move into PenFed 5-year CDs a year ago?
Replies: 55
Views: 4864

Re: Was it a mistake to move into PenFed 5-year CDs a year a

Hindsight is always 100%. Instead of Penfed, I should have sold silver short in January. You have a guarantee of 3% (which only a couple are offering today). Much of your return came from the lower yield on bonds. They are less compelling to me now then they were a year ago. I bought Penfed and Toby...
by Rob5TCP
Mon Jan 05, 2015 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Was it a mistake to move into PenFed 5-year CDs a year ago?
Replies: 55
Views: 4864

Re: Do you keep all your eggs in one basket?

I keep all of my equities at Vanguard. For Bonds, I have IBonds and Cd's which I get better rates outside of Vanguard. On the site, they have this about insurance. If you have concerns, I would call Vanguard. My equities are only 35% of my portfolio, so they are under $500,000. From Vanguard: Securi...
by Rob5TCP
Sun Jan 04, 2015 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you keep all your eggs in one basket?
Replies: 31
Views: 3334

Re: Google takes invasiveness to a new level

Why should that be a surprise - gmail, android, all Google products are exceptionally invasive. This one just crosses another line. Good way to link all of you info together so they have a complete "profile" of you. I use the Tor browser whenever I use Gmail. For my phone, I have never acc...
by Rob5TCP
Sun Jan 04, 2015 4:12 pm
 
Forum: Personal Consumer Issues
Topic: [ID verification required to use Google Wallet]
Replies: 41
Views: 3337

Re: PenFed CD rates up. 2% max.

island wrote:Cit Bank has a 5 year term CD for 2.30% and a 5 year jumbo for 2.40%.
Didn't read the fine print on terms.
https://www.bankoncit.com


12 months EWP for 5 year CD.

https://www.bankoncit.com/help/frequent ... -questions
by Rob5TCP
Sat Jan 03, 2015 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed CD rates up. 2% max.
Replies: 29
Views: 4513

Re: Choosing between 5 Yr - 7 Yr - 10 Yr CDs

I just received an email from depositaccounts.com that TobyHanna was raising the floor rate on their 7 year CD from 3.04% to 3.25%. This is the CD that you may add to in the future. Just be aware of a stiff 2 year E.W.P. https://www.depositaccounts.com/banks/tobyhanna-army-depot-cu.html?utm_source=...
by Rob5TCP
Sat Jan 03, 2015 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between 5 Yr - 7 Yr - 10 Yr CDs
Replies: 52
Views: 5197

Re: Choosing between 5 Yr - 7 Yr - 10 Yr CDs

1) Since the 2009 financial crash, as a byproduct of bank capitalization requirements, Federal regulations have changed on Early Withdrawal Penalties. Banks are free to change the early withdrawal penalty at any time and retroactively apply it to previously-issued CDs. https://www.bogleheads.org/fo...
by Rob5TCP
Fri Jan 02, 2015 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between 5 Yr - 7 Yr - 10 Yr CDs
Replies: 52
Views: 5197

Re: No surprise CD rates from Penfed

This was discussed earlier --
2% on 5 year plus a decent 2 year rate. No "gifts" this year.


viewtopic.php?f=2&t=154374&newpost=2316650
by Rob5TCP
Fri Jan 02, 2015 11:34 am
 
Forum: Investing - Theory, News & General
Topic: No surprise CD rates from Penfed
Replies: 4
Views: 1239

Re: PenFed CD rates up. 2% max.

Their 2 year was a nice increase and is competitive, but not a game changer.
No soup for you from PenFed this year.
by Rob5TCP
Fri Jan 02, 2015 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: PenFed CD rates up. 2% max.
Replies: 29
Views: 4513

Re: Choosing between 5 Yr - 7 Yr - 10 Yr CDs

The rate shown on Deposit accounts were what he was hearing about an impending CHANGE. It was not currently available. The current rate is 3.0% with an APR of 3.04% (rate compounded). IF it does go to 3.25%, I am sure there will be much "noise" about it. I do not know if the earlier 3.25% ...
by Rob5TCP
Thu Jan 01, 2015 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between 5 Yr - 7 Yr - 10 Yr CDs
Replies: 52
Views: 5197

Re: Credit (Security) Freeze Question

I can not state directly, but when I wanted to use the SSA website to see my contributions over the years, I was denied. I had to go to the local office to setup access (with two proofs of identity). I froze my credit reports and they could not verify my information. Now this is SSA, not IRS, but th...
by Rob5TCP
Tue Dec 30, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit (Security) Freeze Question
Replies: 9
Views: 1845

Re: Choosing between 5 Yr - 7 Yr - 10 Yr CDs

I received an email notice from depositaccounts.com that the TobyHanna rate was going to 3.25% sometime in January.
Apparently he had it on a good enough source to post it.
So far he's been pretty good in that regard. Let's hope so.
by Rob5TCP
Fri Dec 26, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between 5 Yr - 7 Yr - 10 Yr CDs
Replies: 52
Views: 5197

Re: Choosing between 5 Yr - 7 Yr - 10 Yr CDs

I just received an email from depositaccounts.com that TobyHanna was raising the floor rate on their 7 year CD from 3.04% to 3.25%. This is the CD that you may add to in the future. Just be aware of a stiff 2 year E.W.P. https://www.depositaccounts.com/banks/tobyhanna-army-depot-cu.html?utm_source=e...
by Rob5TCP
Fri Dec 26, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between 5 Yr - 7 Yr - 10 Yr CDs
Replies: 52
Views: 5197

Re: My Christmas Message To You -- 70 Years Ago.

Taylor - a wonderful thought for today.
by Rob5TCP
Thu Dec 25, 2014 2:36 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Message To You -- 70 Years Ago.
Replies: 58
Views: 5123

Re: Choosing between 5 Yr - 7 Yr - 10 Yr CDs

I find the best "compromise" are the following banks. Their 5 year CD's are either 2 or 2.25% and their EWP is 6 months or less. From deposit accounts, all are rated A+ Synchrony Bank 2.25% 6 months Ally Bank 2% 5 months Barclays Bank 2.25% 6 months If rates go still lower, I have locked i...
by Rob5TCP
Thu Dec 25, 2014 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between 5 Yr - 7 Yr - 10 Yr CDs
Replies: 52
Views: 5197

Re: POLL: What are your monthly food expenses?

About $400 a month for groceries
$250 a month for eating out
and $30 a month for coffee
by Rob5TCP
Thu Dec 25, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: What are your monthly food expenses?
Replies: 67
Views: 4882

Re: Comcast Performance 25 Mbps vs Blast 105 MBps

You will need the higher speeds when you shift to ultra hd. That requires 4x the bandwidth of HD.
by Rob5TCP
Thu Dec 18, 2014 8:29 am
 
Forum: Personal Consumer Issues
Topic: Comcast Performance 25 Mbps vs Blast 105 MBps
Replies: 17
Views: 2279

Re: White Coat Investor in Forbes

Congratulations and good advice as usual.
by Rob5TCP
Tue Dec 16, 2014 8:30 am
 
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 37
Views: 6437

Re: Where to put cash now? Prefer CD's.

Like you, I refuse to invest in fixed instrument yielding less than 3%, it is just not worth it... https://www.tobyhannafcu.org/personal/savingsandcds/certificates.html Scroll down to "Prime Rate Certificate" I believe that anyone can join this credit union I had to join the American Cred...
by Rob5TCP
Tue Dec 16, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put cash now? Prefer CD's.
Replies: 33
Views: 6848

Re: Florida asVacation Rentalwh

Just was in Key West until today There were plenty of vacancies even along Duval St. Rates, while not cheap, are much lower than they will be in on or two weeks. Paid under $100 for last night at a resort in Tavanier (near Key Largo). There is more to do in the larger islands. Restaurants, diving, s...
by Rob5TCP
Sun Dec 14, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Florida Keys Vacation Rental
Replies: 24
Views: 2279

Re: Is the collapse of oil price a "black swan"?

Of all the developed countries, the US has the lowest gas prices, followed by Australia and Canada. US gas prices are more than twice those in Canada: http://www.gasbuddy.com/GB_Price_List.aspx?cntry=CAN When I was in Edmonton 2 years ago gas prices were about25% more than US. However quoted prices...
by Rob5TCP
Fri Dec 12, 2014 9:01 am
 
Forum: Investing - Theory, News & General
Topic: Is the collapse of oil price a "black swan"?
Replies: 106
Views: 12053

Re: S Corp Taxes

I can not answer. The IRS is aware of Sub S taking small salaries and then large distributions. I play it fairly conservatively, MY accountant reviews my year end (around mid November) and we decide on last payroll of the year and year end distributions. I wouldn't expect $500,000 profit and $30,000...
by Rob5TCP
Wed Dec 10, 2014 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: S Corp Taxes
Replies: 6
Views: 655

Re: Have you ever been let go?

The big question I have is if you've been fired like my husband after being with the company for 20+ years, how donu explain that - obviously it looks really bad... Several things you can do. One negotiate with them as to what they will say about you. Also, if you know someone with a business, have...
by Rob5TCP
Wed Dec 10, 2014 7:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5775
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