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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: 18
Views: 3140

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: 13
Views: 2712

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: 2198

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: 87
Views: 7536

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: 630

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: 5443

Re: S Corp Taxes

Essentially yes. I am an S corp - all my profits flow through to me personally (though NY has other charges that do not recognize an S corp) Make sure you take reasonable salary. If your taking 25/30% in salary and the rest in distributions, it could raise some flags. You should check with an accoun...
by Rob5TCP
Tue Dec 09, 2014 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: S Corp Taxes
Replies: 6
Views: 630

Re: Virus Protection

Though much derided I used Norton AV; along with MalwareBytes anti malware
and the new program MalwareBytes anti-exploit.
The last product I've not seen reviews for, but I do trust Malwarebytes for zero day exploits.
by Rob5TCP
Tue Dec 09, 2014 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Virus Protection
Replies: 11
Views: 931

Re: CD ladder vs accepting EWP and getting a new CD

I believe Synchrony (formerly GE Capital) Bank has a 3 month withdrawal penalty on 5 year CD and a yield of 2.3. Chartway Credit Union also has a good yield that can be broken for a relatively small EWP. https://www.depositaccounts.com/blog/2014/04/best-deal-cds-ge-capital-retail-bank.html https://w...
by Rob5TCP
Tue Dec 09, 2014 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: CD ladder vs accepting EWP and getting a new CD
Replies: 4
Views: 458

Re: Have you ever been let go?

Boy have I ever been let go. Virtually ever job I ever had (prior to starting my own company 25 years ago). 1. Project cancelled - let go 2. Fired the first day (Control data - I laughed when my supervisor said my light blue shirt was a bit loud - and my tie) == actually 2 hours into the job. 3. &am...
by Rob5TCP
Tue Dec 09, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5443

Re: Low Price Nikon Camera

There were discussions earlier about small point and shoot Two that stood out: 1. Sony RX-100 about $600-$700 less on sale 2. Canon S110 - about $250 on sale; the Canon S100 (same sensor) sells for up to $100 less on sale both have good lenses and much larger sensors (which help enormously in low li...
by Rob5TCP
Thu Dec 04, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Low Price Nikon Camera
Replies: 31
Views: 1752

Re: Self Reliance Federal Credit Union NYC

Tried a couple of years back on one of their CD's. They are located about 10 blocks from here.
You had to be a member of the Ukrainian Community to join.
by Rob5TCP
Thu Dec 04, 2014 12:09 am
 
Forum: Investing - Theory, News & General
Topic: Self Reliance Federal Credit Union NYC
Replies: 3
Views: 750

Re: Stanley Kubrick's 2001 a space odyssey

Stephen Hawking believes AI may be the end of mankind:

http://www.bbc.co.uk/news/technology-30290540
by Rob5TCP
Wed Dec 03, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3956

Re: Best CD rates ...

The TobyHanna 3.04% is back for 7 year CD. The original one (which I opened 2 accounts) allows additional monies. Not sure if that is still allowed. The one change they have now is a max of $100,000. Please read this from depositaccounts.com https://www.depositaccounts.com/forum/thread/19107-tobyhan...
by Rob5TCP
Tue Dec 02, 2014 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4354

Re: Ken Fisher - Why I hate annuities

Here is a recent article with Ken Fisher defending the fees that management companies charge as being reasonable (a little self interest there)
PS People that say otherwise are Bolsheviks (the quote is from him)

http://moneyweek.com/merryns-blog/ken-f ... -too-high/
by Rob5TCP
Mon Dec 01, 2014 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 6149

Re: Ken Fisher - Why I hate annuities

Try to get information from Fisher on how well their recommended portfolios have done. If I understood correctly, they have several portfolios and make slightly tweak it for someone. But basically stick to those portfolios. Ask for figures on how well they have done over the past 1,3,5,10 year perio...
by Rob5TCP
Mon Dec 01, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 6149

Re: Best CD rates ...

PenFed has dropped rates the last few months. Some of the drops were quite dramatic.
Hopefully January will have a surprise.
by Rob5TCP
Mon Dec 01, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4354

Re: Am I a job hopper?

Before I started my own company (20+ years ago) I had 15 jobs in 10 years (almost 1/2 during an 18 month period).
Probably not a great example.
by Rob5TCP
Sun Nov 30, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I a job hopper?
Replies: 50
Views: 4569

Re: Long-Lasting Incandescents + LED Question

Bought my first LED lightbulb from Home Depot (as a test)
Lasted about 90 days. I will wait a coupe of years until my next purchase.
by Rob5TCP
Sun Nov 30, 2014 7:03 pm
 
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 4781

Re: Financial Planner

If you don't mind dealing online, Alan Roth, is a CFP, that charges hourly rate (which many Bogelheads recommend if you are going to deal with a CFP).
He frequently comments on this site.
by Rob5TCP
Sun Nov 30, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Planner
Replies: 15
Views: 1394

Re: best performer - very similar index funds

Put all 3 funds up against each other on Vanguards website and use the compare button and look at the returns for the 3,5,and 10 year period only. Then chart all 3 funds and you`ll see the difference especially against the vfiax and a little against the vtsax on all data either daily, weekly or mon...
by Rob5TCP
Fri Nov 28, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: best performer - very similar index funds
Replies: 22
Views: 1944

Re: best performer - very similar index funds

Total Return % (11/26/2014)
For Day/Week/Month/3 month/YTD/1Year/3Yr/5yr/10yr/15yr
VTCLX 0.23 1.29 5.73 3.53 13.30 16.66 24.12 15.94 8.46 4.75
VTSAX 0.29 1.42 5.79 3.62 12.99 16.25 24.10 16.11 8.47 —
SP500 0.30 1.23 5.77 4.20 14.26 17.38 24.05 15.71 8.01
by Rob5TCP
Fri Nov 28, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: best performer - very similar index funds
Replies: 22
Views: 1944

Re: Selling gold jewelry

I can not comment on Midwest refineries - they may be one of the honest ones: but the cash for gold places were NOTORIOUS for paying anywhere from 5% to 60% of the gold value. Here are couple of exposes: Article below is NBC testing different services: http://www.today.com/id/39527596/ns/today-money...
by Rob5TCP
Thu Nov 27, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Selling gold jewelry
Replies: 29
Views: 2896

Re: Selling gold jewelry

I have accumulated a lot of silver-plated bowls, plates, platters, etc. Obviously, not as valuable as sterling... my question would be this: Is it worth the shipping to send it to midwest refineries (or somewhere like that), or would I be better off letting it collect dust in the garage? I do not w...
by Rob5TCP
Thu Nov 27, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Selling gold jewelry
Replies: 29
Views: 2896

Re: How long did your IT career last? At what age did it en

There definitely is ageism in the industry. About 15 years ago a large client that I picked up switched because the prior consultant wasn't "keeping up". I am now 56; he was 62/63 so who knows in a few years they may replace me. One thing I do differently when I customize, all source code ...
by Rob5TCP
Wed Nov 26, 2014 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14561

Re: Brother wants me to co-sign a house with him

As the others stated NOT recommended. When I was quite young had my brother as a business partner. Our relationship survived, but
it clearly was a poor idea.
by Rob5TCP
Tue Nov 25, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Brother wants me to co-sign a house with him
Replies: 41
Views: 3048

Re: Just Got 2.45% CD at CIT

PenFed's rate did go down to 1.76%.

I too am waiting, though I did get a bunch from Tobyhanna on their 7 year variable (with a floor of 3.04% a few months ago.
Since that one allows adding additional money, I will add to it as others mature. The downside was a 2 year EWP.
by Rob5TCP
Mon Nov 24, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Just Got 2.45% CD at CIT
Replies: 12
Views: 3081

Re: Bogleheads, anyone doing "Black Friday"

I won't go to a store, but online (many on Monday, some on Friday) and check what I need: micro-SD card (many on sale), Large SSD drive (if 1TB at a great price might replace my 256GB), 4K UltraHD monitor 27 inches or larger (probably not until next year for the price I want to pay), plus several ot...
by Rob5TCP
Mon Nov 24, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 5619

Re: Vanguard offers login security code

Signed up, I have mentioned this in every phone call I've had with vanguard over the past year.
by Rob5TCP
Mon Nov 24, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 96
Views: 13943

Re: 23 year old... Can I afford a Rolex?

I would look at best/worse case scenarios. Best case: you enjoy wearing the watch every day; it gives you great joy year after year = added fantasy to meet a woman wearing lady Rolex and she sees you have the male equivalent model; you end up together and have a blissful life. Worst Case: Hopefully ...
by Rob5TCP
Sun Nov 23, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 13085

Re: Selecting Charities for Donation

This one was recommended by Andrew Tobias the financial columnist (author of the only investment guide you will ever need) -- he is somewhat close to Boglehead philosophy. Article http://andrewtobias.com/column/transform-a-familys-life-for-25/ Video https://www.facebook.com/video.php?v=1568272140063...
by Rob5TCP
Sat Nov 22, 2014 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 59
Views: 4235

Re: Vanguard offers login security code

Thank you - just signed up.
I have been waiting for this for a long time.
I set mine to send a code every time.
by Rob5TCP
Fri Nov 21, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 96
Views: 13943

Re: Start a business

I was "forced" into starting my own business. I started working just as micro computers (PC) were starting to take off. I was employed by a sleazy guy who constantly cheated on my (and other's) commissions. At one point he offered a partnership in lieu of commissions. The lawyer drafting t...
by Rob5TCP
Fri Nov 21, 2014 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Start a business
Replies: 14
Views: 1673

Re: Vanguard launches new offering ... [Vanguard merchandise

Love the 2 coffee mugs received -- one is a double wall with a rubber top - perfect for the car; the other is a large coffee mug that will double as a soup mug. The double walled travel one really does keep the exterior temperature comfortable. If this is a one time thing I will stock (as I WILL end...
by Rob5TCP
Fri Nov 21, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 12528

Re: Credit Card Fraud - Need Advice

One TIP: memorize and then scratch off your CCV code on the back so only you can use it online. While they still can duplicate it they must use it in person (which presents a risk of being photographed). But what do you do when you want to use the card in person? Doesn't the merchant need to see th...
by Rob5TCP
Fri Nov 21, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 36
Views: 4036

Re: How much is saved by taking mass transit to work?

Here in NY the savings can be dramatic. Toll crossing every day $11 per DAY, parking $350-$500 monthly, add gas and aggravation driving into NY as an extra. Mass transit for Long Island is $240-$275 per month from Nassau county. If it saves you a second car, the savings are obviously even greater. I...
by Rob5TCP
Thu Nov 20, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 3967

Re: Credit Card Fraud - Need Advice

One TIP: memorize and then scratch off your CCV code on the back so only you can use it online. While they still can duplicate it they must use it in person (which presents a risk of being photographed). But what do you do when you want to use the card in person? Doesn't the merchant need to see th...
by Rob5TCP
Thu Nov 20, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 36
Views: 4036

Re: lock-up for 20 years [20 year CD]

I don't think I would lock up 20 years at 4% unless there was a "moderate" early withdrawal penalty. RIght now you can get 3% (with hunting) for 7 years. If rates at the end of 7 years should go to 5%; at the end of 20 years you would have a fair amount less than the 4%. Should rates go si...
by Rob5TCP
Wed Nov 19, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: lock-up for 20 years [20 year CD]
Replies: 21
Views: 2595

Re: Selecting Charities for Donation

These guides are among the best in analyzing in how well charities spend their money (% fundraising, % on programs, etc) 1. http://www.charitynavigator.org/ 2. http://www.guidestar.org/ 3. http://www.charitywatch.org/ 4. http://www.givewell.org/ The last one only analyzes a small number - but takes ...
by Rob5TCP
Wed Nov 19, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 59
Views: 4235

Re: Investing In Currency?

There are several non Forex ways to invest in currency. Rydex Mutual Funds charges about .4% and offers several currencies. Other than Australia, they pay little or no interest. http://currencyshares.com/home Everbank has currency CD's of various types: https://www.everbank.com/currencies Until the...
by Rob5TCP
Wed Nov 19, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Investing In Currency?
Replies: 33
Views: 2412

Re: Investing In Currency?

There are several non Forex ways to invest in currency. Rydex Mutual Funds charges about .4% and offers several currencies. Other than Australia, they pay little or no interest. http://currencyshares.com/home Everbank has currency CD's of various types: https://www.everbank.com/currencies Until the ...
by Rob5TCP
Tue Nov 18, 2014 10:51 pm
 
Forum: Investing - Theory, News & General
Topic: Investing In Currency?
Replies: 33
Views: 2412

Re: Credit Card Fraud - Need Advice

I am on my 5th Cap One credit card in a little over 2 years (two of these occurred within 5 weeks of each other). On one of the occasions I found the slime-ball from Vancouver, B.C. that made the purchase. I called and spoke with him to find out how he got my card number. When he wouldn't respond, I...
by Rob5TCP
Tue Nov 18, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 36
Views: 4036

Re: Vanguard launches new offering ... [Vanguard merchandise

Thank you for the heads up -- my mugs and t shirt arrived on Monday. Do you know if this is just short term promotion,
or will this be a long term "offering". If it's just a one shot, there are several more things I would buy.
The t-shirt is ok; both mugs are great (travel and regular mug).
by Rob5TCP
Tue Nov 18, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 12528

Re: Self Employed Retirement options

This should give you an overview of each type of retirement option:

http://www.obliviousinvestor.com/sep-vs ... solo-401k/
by Rob5TCP
Mon Nov 17, 2014 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self Employed Retirement options
Replies: 9
Views: 902

Re: is 3.20% Vanguard brokered CD best deal around?

Arthur, You should be paid for going further out on maturity. Take a look at some of the easy-to-obtain 5-year CDs since you will most likely find some that are paying more than 2.25%. Although everyone has their own way of calculating these things, I usually use 20 bp per year to justify going fur...
by Rob5TCP
Sat Nov 15, 2014 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4493

Re: is 3.20% Vanguard brokered CD best deal around?

A few weeks ago I was "pushing" Tobyhanna because of the rate and the ability to add to it. I did open 3 different accounts with these CD's and will be adding. With that no longer available; Vanguard seems to be the highest. I am a little concerned on the 10 year maturity. Tobyhanna had a ...
by Rob5TCP
Sat Nov 15, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4493

Re: How premium cable can cost $59K

Other factors come into play as well. If you go out one less time a month (movie or restaurant) because of cable. That cost gets deducted from your savings. The question of 59k (if that is the correct amount) - not what it costs. But what is it worth to you. If you rarely take advantage of it; it's ...
by Rob5TCP
Sat Nov 15, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: How premium cable can cost $59K
Replies: 45
Views: 5990

Re: Can active funds reliably beat the index? Actually, Yes



After the fact is a piece of cake. Finding them BEFORE; that's the hard part.
by Rob5TCP
Sat Nov 15, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Can active funds reliably beat the index? Actually, Yes.
Replies: 41
Views: 6703

Re: Can active funds reliably beat the index? Actually, Yes

I'm not clear on what motivates advisors to recommend specific funds. I would have thought that the load was important and the expense ratio was unimportant. So when he says that The hard part is whether that traditional broker will suggest American Funds. More likely, the broker will offer many le...
by Rob5TCP
Sat Nov 15, 2014 8:18 am
 
Forum: Investing - Theory, News & General
Topic: Can active funds reliably beat the index? Actually, Yes.
Replies: 41
Views: 6703

Re: Fidelity 2-Factor authentication fail...

I may be wrong but a phone call is very safe in my opinion. All phone calls are recorded and logged. phone numbers can not be spoofed and the police can trace a phone number back to a home address. So a hacker will not call fidelity because the phone call will be traced back to the hacker's home ad...
by Rob5TCP
Fri Nov 14, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1133
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