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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: 11
Views: 2188

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, anyone doing "Black Friday"
Replies: 29
Views: 1480

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 Finance (Not Investing)
Topic: Vanguard offers login security code
Replies: 57
Views: 4378

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: 134
Views: 6958

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: 55
Views: 3130

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 Finance (Not Investing)
Topic: Vanguard offers login security code
Replies: 57
Views: 4378

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: 1637

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: 110
Views: 10521

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: 32
Views: 2802

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: 3397

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: 32
Views: 2802

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: 2476

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: 55
Views: 3130

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: 2125

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: 2125

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: 32
Views: 2802

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: 110
Views: 10521

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: 875

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: 4237

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: 4237

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: 5013

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: 37
Views: 4661

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: 37
Views: 4661

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: 1106

Re: Appliance Protection Plan

Can you afford to replace the refrigerator? If you can, then the warranty is a poor gamble. They like to sell it as insurance. Does your credit card double your warranty (many do; one gives up to an additional two years to your warranty)? What is the manufacturers warranty? Check consumer report on ...
by Rob5TCP
Fri Nov 14, 2014 7:28 am
 
Forum: Personal Consumer Issues
Topic: Appliance Protection Plan
Replies: 13
Views: 712

Re: I BONDS

With your BASE rate of 1.6% and the current base rate of 0% you are much better off holding.
Who knows when, if ever, base rates of I bonds go up significantly again.
by Rob5TCP
Thu Nov 13, 2014 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: I BONDS
Replies: 8
Views: 1149

Re: Bogleheads get to hedge fund guy

He no longer works for himself but for Merrill Lynch http://www.finra.org/brokercheck 02/2012 - Present BANK OF AMERICA, N.A. HONOLULU, HI 12/2011 - Present MERRILL LYNCH PIERCE, FENNER & SMITH, INC. HONOLULU, HI 08/2009 - 11/2011 ALLEN INVESTMENT ADVISORS TOKYO, JPN 05/2008 - 07/2009 MERCER...
by Rob5TCP
Wed Nov 12, 2014 8:18 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads get to hedge fund guy
Replies: 28
Views: 4365

Re: Bogleheads get to hedge fund guy

His entire blog is a rant on index funds. One analogy is sports figures. Would you pay to see average sports "heroes". Well his flaw is picking them BEFORE they became top of the game. How about picking out future hall of famers when they are nine and in Little League. How many will flame ...
by Rob5TCP
Wed Nov 12, 2014 8:11 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads get to hedge fund guy
Replies: 28
Views: 4365

Re: Your car(s) are equal to how many months income

I only put on 3000 miles per year so my 45,000+ miles are on a 14 year old car. Less than 1 month.
by Rob5TCP
Wed Nov 12, 2014 7:36 am
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 5998

Re: Redeeming I-bonds in January 2015. A couple questions.

While not nearly as high as they were just 2 years earlier; if your I bonds are from 1/2003 - 4/2003 the fixed base is 1.6%. If you got replacement bonds today, the fixed base would be 0.0%. Lots of people would jump at I Bonds at 1.6%. If there are after May 1, 2003; they are at 1.1% fixed base rat...
by Rob5TCP
Tue Nov 11, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Redeeming I-bonds in January 2015. A couple questions.
Replies: 3
Views: 527

Re: Great camera to take pics?

Portability as well as low light were my criteria for a camera before leaving on vacation last year. The two models I narrowed it down to were the Canon S100/S110/S120 or the Sony RX100 (as mentioned by @livesoft above). We looked for sales and found the S100 (refurbished for $175). I had two months...
by Rob5TCP
Sat Nov 08, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 4581

Re: Visitor Info Scam

In Atlantic City just 2-3 blocks away from Resorts International was an information booth. We went in to get some information and we just walked out ASAP as soon as they went into a sales pitch). Not content to wait for people to walk in, they ask every passerby offering $50 for a 90 minute "to...
by Rob5TCP
Sat Nov 08, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Visitor Info Scam
Replies: 12
Views: 1682

Re: Investing in Art, Antiques, and Collectibles and wines

I've been collecting photogravures and photographs since I graduated college. Back then when I bought, some of the auctions houses were only charging 15% (buy/sell). The ones I bought because I just liked them, have done very well over the years. I have the enjoyment of the photos and the increase i...
by Rob5TCP
Thu Nov 06, 2014 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Art, Antiques, and Collectibles and wines
Replies: 53
Views: 3775

Re: madsinger monthly report (October 2014)

Thanks again - always a welcome reality check.
by Rob5TCP
Tue Nov 04, 2014 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2014)
Replies: 5
Views: 1006

Re: Stocks in Argentina

Looking at the not so distant past; Argentina has had huge inflation from wikipedia Argentina Argentina went through steady inflation from 1975 to 1991. Democratically elected on December 10, 1983, President Alfonsin inherited a foreign debt crisis and record budget deficits, resulting in US$43 bill...
by Rob5TCP
Tue Nov 04, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks in Argentina
Replies: 6
Views: 428

Re: Time to sell our Manhattan apartment?

New York (Manhattan) market is a world onto itself. I've owned across the from the UN (Tudor City). This was soon after graduating college. Survived while it dived over 50% in the early 90's. Then watched it come back to what I thought was an incredible price 8 years ago. Now it's 50% more than what...
by Rob5TCP
Tue Nov 04, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Time to sell our Manhattan apartment?
Replies: 16
Views: 2412

Re: Allan Roth on low risk route to hi yield

Ally Bank used to have good rates and a 60 day EWP. Both of those are gone now.
by Rob5TCP
Mon Nov 03, 2014 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Allan Roth on low risk route to hi yield
Replies: 3
Views: 832

Allan Roth on low risk route to hi yield

Similar to an earlier post on Pen Fed Bank vs. TobyHanna and Synchrony; Mr. Roth described the advantage of Synchrony's low early withdrawal penalty. From today's Wall Street Journal http://blogs.wsj.com/totalreturn/2014/11/03/a-low-risk-route-to-high-yields-on-savings/ Bond rates are painfully low ...
by Rob5TCP
Mon Nov 03, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Allan Roth on low risk route to hi yield
Replies: 3
Views: 832

Re: Pen Fed Lowers November rate

Thank you.. See if this is better. Pen Fed https://www.depositaccounts.com/blog/2014/11/penfeds-november-cd-rates.html Tobyhanna https://www.depositaccounts.com/blog/2014/05/tobyfcus-prime-rate-certificate-great-longterm-cd-deal.html Just tested the above and both seem fine. Not sure why it was trun...
by Rob5TCP
Mon Nov 03, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pen Fed Lowers November rate
Replies: 3
Views: 1001

Pen Fed Lowers November rate

For those of us that were looking for a year end boost in the rates for Pen Fed, I am not sure what November's announcements portends. From a post I wrote in another thread. Just to add a note for people waiting for Penfed's 3% December/January special they just dropped their long term rates anywher...
by Rob5TCP
Mon Nov 03, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pen Fed Lowers November rate
Replies: 3
Views: 1001

Re: BND or a CD

Just to add a note for people waiting for Penfed's 3% December/January special they just dropped their long term rates anywhere from .05% to .36% https://www.depositaccounts.com/blog/2014/11/penfeds-november-cd-rates.html I am still sticking (for my CD's) to two banks Synchrony Bank (foremerly GE Ca...
by Rob5TCP
Mon Nov 03, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: BND or a CD
Replies: 119
Views: 9601

Re: social security/inflation question

Your WAGES are fully indexed until age 60; after 60 your wages will no longer be indexed. Your social security benefits (or future estimated benefits) are adjusted for inflation in perpetuity. So, whether you start collecting at 63/66/70 your benefit will be the inflation adjusted benefit for that a...
by Rob5TCP
Sun Nov 02, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: social security/inflation question
Replies: 5
Views: 893

Re: BND or a CD

John3754 wrote:
obgyn65 wrote:I much prefer CDs.


Why?


Better yield (up to 3%) and frequently with a reasonable "put" option (IE 6 months - 1 year early withdrawal penalty).
by Rob5TCP
Thu Oct 30, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: BND or a CD
Replies: 119
Views: 9601

Re: BND or a CD

Right now I have more of my fixed income in CD's then I do bonds (excluding 3.0 I Bonds that will be held until they mature). I receive 3.04% from Tobyhanna Credit Union on a 7 year CD (though with a stiff 2 year early withdrawal penalty). This one is a variable rate with a floor of 3.04% One big pl...
by Rob5TCP
Thu Oct 30, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: BND or a CD
Replies: 119
Views: 9601

Re: MS Windows 7 Dead [in 2020]?

In the commercial marketplace, Win7 seems to have it all over Win 8. Only on sporadic installations do I come across an 8 machine. With almost 6 years left of support, I suspect Win10 will be the replacement for Win7, not Win8. My main two PC's are Win7. I will bypass Win8 and purchase a Win10 machi...
by Rob5TCP
Wed Oct 29, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 26
Views: 2245

Re: Buying Salmon Online

I have found two interesting places - one is in mid Pa. and have their own boat in Alaska. They mostly deliver in the PA/Delaware area - if they were closer I would take a trip there. I see they also ship. http://www.wildforsalmon.com/ The other is based in Alaska and ship all over the country: http...
by Rob5TCP
Tue Oct 28, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Buying Salmon Online
Replies: 20
Views: 1736

Re: fleeced by an adviser, is there a recourse?

I believe the blame should be more on an industry that thrives on subterfuge and partial information. With no fiduciary responsibility, the only limit (just about) is that they don't have to rob you blind. Perhaps higher standards. I support my clients computers. The level of knowledge of quite a fe...
by Rob5TCP
Mon Oct 27, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 9001

Re: What funds are negatively correlated with stocks?

Here from Seekingalpha.com are several investments with low to negative correlation to the S&P500 Ticker Name 3-2014 Correlation / 11-2012 Correlation PCY PowerShares Emerging Mkts Sovereign Debt / 41% / 44% MCD McDonald's Corporation / 36% / 39% XLU Utilities Select Sector SPDR / 28% / 47% GLD ...
by Rob5TCP
Sun Oct 26, 2014 8:44 am
 
Forum: Investing - Theory, News & General
Topic: What funds are negatively correlated with stocks?
Replies: 24
Views: 3011

Re: EverBank

I used Everbank for years, mostly for their foreign currency accounts (before ETF's were available). Their service was fine, never had a problem. I use Ally now. Mostly because they had CD's paying around 2.7 or 2.75% with only a 2 month penalty for early withdrawal. I have found Ally's service to b...
by Rob5TCP
Sat Oct 25, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: EverBank
Replies: 13
Views: 1943

Re: BlackRock Strategic Income Opportunities Fund

From Morningstar: Turnover 1,413% That is HUGE turnover for a bond fund (actually for any fund). That turnover costs money and doesn't appear in the fund expenses (which are .90% to as high as 1.65% depending on the share class) plus up to 4% load,. They are short/long funds - which means they sell ...
by Rob5TCP
Sat Oct 25, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: BlackRock Strategic Income Opportunities Fund
Replies: 14
Views: 1495
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