Search found 2185 matches

by Rob5TCP
Fri Jul 24, 2015 5:42 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 34
Views: 2067

Re: Is there a service that will email you with each credit card purchase?

All my c.c.'s email me whenever there is a purchase over $.01
I used to set it for $99.00 but their has been several fraud charges made over the years.
Now, I know within 1 minute of the purchase (usually) there will be an email or text.
by Rob5TCP
Wed Jul 22, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: Why I Said "No" to Peer-to-Peer Lending
Replies: 66
Views: 6062

Re: Why I Said "No" to Peer-to-Peer Lending

What I found interesting, in the article, he stated he could get 4% at Consumers Union. I went to Consumers Union FCU and the 5 year rate was 2.35%.
I was curious where that number came from?
by Rob5TCP
Wed Jul 22, 2015 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Huge Mistake, Bought PBYI, Now What?
Replies: 26
Views: 3444

Re: Huge Mistake, Bought PBYI, Now What?

The only info I could find on Puma Biotech Puma Biotechnology Insider Sells- Puma Biotechnology (NYSE:PBYI) Senior Vice President of Clinical Research and Development, Richard P. Bryce sold 3,000 shares at $110.03. The total transaction value was $330,084. A quote from Seeking Alpha Wally, XBI and F...
by Rob5TCP
Wed Jul 22, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: El Paso into Juarez - Day trip w/ family - Safe and practical?
Replies: 32
Views: 2778

Re: El Paso into Juarez - Day trip w/ family - Safe and practical?

Wow- never realized that Juarez, 7 years ago, had the highest murder rate in the world. Now, it's down to 37th. Still rather high. As suggested not a great idea. From Wiki As of January 2015, Juárez's murder rate placed #37 of the highest reported in the world at 38 murders per 100,000 inhabitants.[...
by Rob5TCP
Tue Jul 21, 2015 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Energy Mutual Fund or ETF?
Replies: 11
Views: 831

Re: Vanguard Energy Mutual Fund or ETF?

I would have thought the two returns would be fairly comparable. They are general in the same direction, but year by year there have been large variations. . I think you may have miscopied; on the Vanguard site for the past 10 years I get 5.6% for VGENX versus 6.88% for VDE. As you usefully point o...
by Rob5TCP
Mon Jul 20, 2015 10:46 pm
Forum: Investing - Theory, News & General
Topic: CD: value of early withdrawal option
Replies: 9
Views: 965

Re: CD: value of early withdrawal option

There is a table showing various interest rates - including breaking 5 year CD with the penalty calculated. In a number of cases 2 and 3 year CD's, they were near the top. These assumes that the EWP does not change during the life of the CD. https://www.depositaccounts.com/blog/2015/07/cd-rates-summ...
by Rob5TCP
Mon Jul 20, 2015 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Energy Mutual Fund or ETF?
Replies: 11
Views: 831

Re: Vanguard Energy Mutual Fund or ETF?

I would have thought the two returns would be fairly comparable. They are general in the same direction, but year by year there have been large variations. Symbol 2005 2006 2007 2008 VGELX 44.67 19.75 37.11 -42.83 VDE 39.05 19.02 34.84 -39.27 Symbol 2010 2011 2012 2013 2014 YTD VGELX 38.48 13.49 -1....
by Rob5TCP
Mon Jul 20, 2015 9:30 am
Forum: Personal Consumer Issues
Topic: Roomba - would you buy it again?
Replies: 30
Views: 2602

Re: Roomba - would you buy it again?

Bought one quite a number years ago, more as a novelty. Used it for about a month. Didn't do a great job; so I stopped. In the closet for probably 5 years now. One newer "gadget" that I bought recently was a 8 pound cordless vacuum cleaner. That I actually use (not just when I have someone...
by Rob5TCP
Sat Jul 18, 2015 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Does Anyone Plan to Work Past 70 years of Age
Replies: 63
Views: 5512

Re: Does Anyone Plan to Work Past 70 years of Age

It's quite awhile before I hit that number, but I definitely plan to continue beyond 70. I've already begun to "fire" clients that really annoy me. I will keep the best ones (about 1/3) then, and sell the balance. Since more of my work is done online, I should be able to work 1-3 days per ...
by Rob5TCP
Wed Jul 15, 2015 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6829

Re: I tipped 15% and got a dirty look

Tip creep has been going on for a long time. A recent article from today.com states that 25% is slowing becoming the standard in NY (I usually tip 20% or will double the sales tax which is 8.75%). On very low priced meals I will usually tip 25% or more (some inexpensive breakfasts a $2 tip is 30%. I...
by Rob5TCP
Mon Jul 13, 2015 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: REIT Question
Replies: 7
Views: 861

Re: REIT Question

Wow - this is a wild REIT. It's 10 year returns is -5.56% vs. S&P 7.80. It's underperformed the broad S&P for 1, 5, and 10 year returns. For the 3 year returns it's done slightly better than the diversified S&P500. It's volatile as hell; 2007-2009 -38%; -69%, -33%; then 2010 +199.50% the...
by Rob5TCP
Sun Jul 12, 2015 6:54 am
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 90
Views: 8532

Re: Worst financial book you have read (or will admit you have read)

- "Your Money or Your Life" by Robin. Some good points, but very wordy. Did not finish. - "The Only Investment Guide You'll Ever Need" by Tobias. As above. I read Mr. Tobia's book quite a number of years ago. I found most of it to be quite useful. From time to time I read his co...
by Rob5TCP
Fri Jul 10, 2015 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: 5 year CD @ 2.4% - a good deal?
Replies: 32
Views: 4568

Re: 5 year CD @ 2.4% - a good deal?

2.35% is the current highest. However, what is the EWP.
They are 2.25 CD's available with a 6 month EWP (Synchrony) or 2.01% with a 5 month EWP. (Ally)
I take both into account, before I purchase.
by Rob5TCP
Thu Jul 09, 2015 9:24 pm
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3133

Re: What antivirus software?

IF you have time - Newegg.com has frequent sales on Norton (if you will bother with the rebate). It can be weeks before they have a Norton sale. From Amazon it's about $45 for download for 5 devices. http://www.amazon.com/Norton-Security-Devices-Mobile-Download/dp/B00MHZ6Z64/ref=sr_1_1?s=software&am...
by Rob5TCP
Thu Jul 09, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3133

Re: What antivirus software?

I use Norton for my basic; Malware bytes anti malware AND Malware bytes anti explot additionally I also use Sandboxie to isolate any potential problems; and Voodoo Shield for additional layer of protection. MSE, which was once a top rated product has gone done year after year. I won't recommend it t...
by Rob5TCP
Wed Jul 08, 2015 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: any alternatives to LOW interest rate money market accounts
Replies: 14
Views: 836

Re: any alternatives to LOW interest rate money market accounts

I also use Ally money-market. Not the highest online, but usually one of the top 10. There is always someone who will pop up and offer .1-.25% higher for a promotional period. Ally has stayed near the top for quite awhile now. Here are the current highest: One is currently 1.5% through January; I am...
by Rob5TCP
Sun Jul 05, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Negotiating cost for cremation & burial?
Replies: 19
Views: 2201

Re: Negotiating cost for cremation & burial?

Unfortunately a close relative died and I just paid for one. A cremation, but no service or burial. The most expensive (I had 4 weeks to prepare) was Neptune Society at $2,000 and a local cremation service in Fort Lauderdale (Brooks) ended up costing a bit less than $1,000. You can call several diff...
by Rob5TCP
Sun Jul 05, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2154

Re: Camera Experts Wanted

As a reminder, I specifically stated at the outset that I do not want another DSLR - too much bulk for me, and I'd like as much zoom capability as is practical to achieve without having to swop out lenses. Is "optical zoom" still preferable to "digital zoom"? Optical zoom is to ...
by Rob5TCP
Sun Jul 05, 2015 9:11 am
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2154

Re: Camera Experts Wanted

One other caveat - there are a number of respectable places that give good Canon prices (Adorama / B&H) there is one that has a reputation for bait and switch Abe's of Maine: From Canonpricewatch - the story about Abe's I would avoid. Their "low" prices do pop up on some searches. Turn...
by Rob5TCP
Sun Jul 05, 2015 7:19 am
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2154

Re: Camera Experts Wanted

One of the cameras mentioned earlier was the Sony RX100 I noticed it's on sale at NewEgg for $352. It's a bit higher than your range - but might be worth the extra money. Through July 11th. http://www.newegg.com/Product/Product.aspx?Item=9SIA63M2MZ7758&nm_mc=EMC-MP070515&cm_mmc=EMC-MP070515-...
by Rob5TCP
Sat Jul 04, 2015 10:10 pm
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2154

Re: Camera Experts Wanted

If you wish to keep it simple, some of the better (as mentioned earlier) compacts can produce quite nice photos. I use the Canon S110 and may upgrade to one Sony RX100 (or newer) eventually. Megapixels are almost meaningless today. 12MP seems the minimum -- unless you want to blow up to 16 x 20 tons...
by Rob5TCP
Sat Jul 04, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: Best way to sell rare book set?
Replies: 6
Views: 665

Re: Best way to sell rare book set?

You might want to check when Sotheby's or Christie's has a rare book auction. They will give you an estimate (sometimes I've had a photo overstated - but generally fairly accurate within a range +/- 20%) If you like what you hear you can check prior auctions and then decide if you wish to sell. Gene...
by Rob5TCP
Thu Jul 02, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: Banff Canada Vacation Tips
Replies: 18
Views: 1524

Re: Banff Canada Vacation Tips

We have stayed several times in Canmore at the Mystic lodge. We have usually gotten very reasonable rentals from there. I remember it being about 1/2 ride (30 or so kilometers). Most days we went to Banff or Lake Louise. A couple of times we stayed in Canmore and the surrounding area. It does have g...
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: 10
Views: 846

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: 67
Views: 6692

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: 67
Views: 6692

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: 67
Views: 6692

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: 4301

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: 3117

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: 712

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: 278
Views: 27882

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: 3361

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: 4941

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: 3691

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: 521

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: 3117

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: 1041

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: 1041

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: 5483

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: 6109

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: 1877

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: 1803

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: 2056

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: 8620

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: 769

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: 769

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: 3768

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: 2532

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: 2532

Re: Is it possible to change the user name?

I see no means of changing my username!!

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