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Re: Can this 4% CD be trusted?

A couple of years ago I noticed ads like this all over the Florida papers. I call and spoke with one of them people - they were so evasive and everything was "we will explain it all when you come down". The more I spoke with them the more I felt I needed a shower. Needless to say I didn't ...
by Rob5TCP
Tue Apr 15, 2014 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Can this 4% CD be trusted?
Replies: 21
Views: 2309

Re: Asness & Fama on Bloomberg TV NOW

Interesting discussion between them. Thank you.
by Rob5TCP
Tue Apr 15, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: Asness & Fama on Bloomberg TV NOW
Replies: 22
Views: 1001

Re: My financial advisor doubt

If you really want DFA for part of your solutions, Portfolio Solutions charges something like .37% (or close to that) with a minimum of $925 per quarter. Rick Ferri is a frequent contributor on here and is well respected. This might be an option if you are inclined to include some DFA in your portfo...
by Rob5TCP
Sun Apr 13, 2014 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: My financial advisor doubt
Replies: 28
Views: 3120

Re: NYC Comic Con

It's a madhouse all days. I went 2 years ago and met Michio Kaku, and Gene Rodenberry's Son, I missed two members of TNG. There are good panels but I doubt a 2 year old could sit through them. Lots of kids in costume, but I don't recall seeing many 2 year olds. Lots of anime girls -- http://www.newy...
by Rob5TCP
Fri Apr 11, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: NYC Comic Con
Replies: 12
Views: 671

Re: Expensive hobbies and possessions? (B/c you can...)

My most expensive hobby is photograph/photogravure collecting. Most are from 1890 - 1930/1940. The upside is that, over time, most are worth far more than I paid. Today that's much harder to do. Prices are high and auction houses get 20-22+% on both buying and selling. Add in the sales tax and you w...
by Rob5TCP
Wed Apr 09, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9128

Re: Internet Security Problem

I got off with Vanguard internet access about 5:00 tonight and I was told "it does not affect us". I could not get an answer whether it did in the past. I did change my password and questions about 5 minutes later. One thing I did ask was when will we have 2 factor authentication and he sa...
by Rob5TCP
Wed Apr 09, 2014 7:35 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 168
Views: 15299

Re: heartbleed - widespread internet security problem

I just read a number of news articles referring to this. This makes a weak password seem like a walk in the park. The entire system is literally vulnerable; if these reports are accurate. I have stopped accessing my most secure sites and am relying on automated phone calls (like I did 5-10 years ago...
by Rob5TCP
Tue Apr 08, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 168
Views: 15299

Re: Windows XP

It's more than just where you go. As more and more vulnerabilities to XP become known and unfixed, scanners will probe for weaknesses. The odds of any one computer being compromised is probably pretty small - but in aggregate the total numbers will be quite high. I have a few clients that never upgr...
by Rob5TCP
Sat Apr 05, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 23
Views: 1471

Re: Vanguard: It's time to upgrade Windows XP

I sent this out to my clients earlier last month If you have to stay with XP, this will minimize the potential for "damages" from tomsguide.com After April 8, most users of the Windows XP operating system will no longer receive security patches, application updates or any kind of support f...
by Rob5TCP
Fri Apr 04, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard: It's time to upgrade Windows XP
Replies: 6
Views: 984

Re: PenFed rates

Wow - their rates from 3 to 2.2 to 1.71 to 1.5 That is some rapid drop - I guess they more than meet their "quota" when they had a "sale" at 3%. I moved as much as I could. They were quite helpful. When I wanted to double my initial deposit it was already down to 1.71%. For curre...
by Rob5TCP
Wed Apr 02, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: PenFed rates
Replies: 3
Views: 732

Re: GPS with "favor interstates" option?

I believe Garmin has several options avoid tolls / highways fastest route vs. shortest route I have not looked at all the options yet I have the Garmin 2460 The one thing it does not have is the new digital traffic update which is updated every 30 seconds. I am trying to find out if that is more acc...
by Rob5TCP
Wed Apr 02, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: GPS with "favor interstates" option?
Replies: 37
Views: 1325

Re: Moving to HCOL (Net Income Paycut)? [High Cost of Living

[quote="cheapskate"] 5) My pet peeve - not possible to get decent Pizza here in the Bay Area. When I moved here from the East Coast in the late 80's, this was basically the first thing that struck me. Every time I visit the East Coast, a slice of pizza even at a random pizza place is miles...
by Rob5TCP
Sun Mar 30, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving to HCOL (Net Income Paycut)? [High Cost of Living]
Replies: 14
Views: 1051

Re: I need help in starting a business in NYC

Having run a small business in NYC for 20+, it is very do-able. Yes, there are local, UBT, State taxes to deal with. Almost everything is done online today and that takes care of a lot of problems. You will need software to keep track of all sales tax due (I assume cleaning is a taxable event). Ever...
by Rob5TCP
Fri Mar 28, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: I need help in starting a business in NYC
Replies: 7
Views: 439

Re: I need help in starting a business in NYC

You really do want to look at an LLC to give you liability protection. While I have never been sued, I have been threatened several times over the years. None were even close for a valid reason (one wasn't even my client). When they realize the company has no assets and I would just walk away; it re...
by Rob5TCP
Fri Mar 28, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: I need help in starting a business in NYC
Replies: 7
Views: 439

Re: Paying Business Expenses With Credit Card to Get Points

I put both personal and business expenses on my c.c. At the end of each period - I create a spreadsheet that separates personal from business expenses. Personal gets paid from my personal accounts and business from my business. Takes about 10 minutes a month to produce the spread sheet. Since 90% of...
by Rob5TCP
Sun Mar 23, 2014 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying Business Expenses With Credit Card to Get Points
Replies: 12
Views: 859

Re: foreign sales people calling 5 times daily

Telling them to not call you or put you on the do not call list is fruitless. Most are scams (right, my computer is having problems and your from Microsoft because you are getting messages from my computer). Credit card services has been fined multiple times - they pop up as a new entity. Don't answ...
by Rob5TCP
Fri Mar 21, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: foreign sales people calling 5 times daily
Replies: 41
Views: 2602

Re: ALERT: Obamacare Phishing Calls

Unfortunately for everyone that refuses to give information, 10 people will probably "comply".
We are an easy target for this type of scam and I am assuming it is.

On one of my phone lines, I get more bogus calls then real ones.
by Rob5TCP
Thu Mar 20, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: [ALERT: Affordable Care Act Phishing Calls]
Replies: 16
Views: 781

Re: Phone calls trying to sell me stocks

One trick I learned online about these penny stock places. A guy calls and tells you this stock will go up in the next 24 hours. When it does, he calls you back the next day with another, then again the next day. What he is doing is starting with a list of 250 names. He selects a VERY volatile stock...
by Rob5TCP
Wed Mar 19, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 1990

Re: Phone calls trying to sell me stocks

The website almost looks boiler plate. I am not sure if all these are the sample Alexander Capital but if they are ?? http://www.whitesecuritieslaw.com/tag/alexander-capital/ From 800notes - which exposes telemarketers Joe 7 Dec 2012 A man named Jim Shachal called me from 212-687-5601. He said he wa...
by Rob5TCP
Wed Mar 19, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 1990

Re: "gold" USB computer cables

I have been buying cables from either Newegg on sale or Monoprice.
Monster cables are well made but (IMHO) way overpriced.
Monoprice has good cables at a great price.
by Rob5TCP
Tue Mar 18, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: "gold" USB computer cables
Replies: 15
Views: 710

Re: Healthcare Fund VGHAX or Energy Fund VGELX

I keep about 5% in each and rebalance periodically. I also have 5% in the Vanguard REIT. I try to always keep these 3 at 5%.
by Rob5TCP
Tue Mar 18, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Healthcare Fund-VGHAX or Energy Fund-VGELX
Replies: 22
Views: 1379

Re: List of Telemarketing Phone Numbers

I have been using nomorobo.com
It's free (for now)
and has greatly reduced my annoying calls.
Still new numbers are constantly being setup
so it will never be perfect.
When one does come through, I add it to the block list
(takes about a minute)
by Rob5TCP
Sat Mar 15, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: List of Telemarketing Phone Numbers
Replies: 14
Views: 915

Re: I don't want to upgrade XP just yet, is that ok?

If your machine is 10 years old, you will not find Win7 a satisfactory experience. You probably have an undersized hard drive, maybe 1-2GB of memory, a dual core processor (at best), and video that is just underpowered. Even if you pass the minimum, the savings might not be worth it. You would be be...
by Rob5TCP
Thu Mar 13, 2014 10:47 pm
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6313

Re: I don't want to upgrade XP just yet, is that ok?

You can take a chance and "heavily" guard your current PC. I have a few clients on Windows 98 (I know) and yet they have never been infected despite being online 24/7. They rarely do much on the internet besides a little browsing and email. Still, the lack of updates may create problems. W...
by Rob5TCP
Thu Mar 13, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6313

Re: PenFed 5/5 ARM advice

You paying more on a 30 year (or 15 year) for the assurance of a fixed amount each month. Interest rates are the lowest I have ever seen them. Will be like Japan and have low rates for 25 years? I don't know. It's a risk only you can access. There is a possibility that rates go up and yours go to 4....
by Rob5TCP
Tue Mar 11, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM advice
Replies: 14
Views: 1018

Re: How did you get through the market crash in 08-09

I did freak, but partially from what I learned here and in 2000, I didn't sell. I didn't re-balance. One move I did make was to load up on TIPS (thank you Larry and Mel), which had a real yield over 3% on the long term, and at one point close to 4% on the short to mid term length. Though obviously n...
by Rob5TCP
Mon Mar 10, 2014 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5435

Re: Money issues - people take me for granted

When I first moved to the East Village in NYC, I didn't mind friends staying. But it soon became friends of friends. At one point I had visitors 7 out of 8 weekends in a row. Plus I was cleaned out of my refrigerator and no one ever put in. Finally, when one friend of someone who was not a close fr...
by Rob5TCP
Sun Mar 09, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money issues - people take me for granted
Replies: 74
Views: 4910

Re: Money issues - people take me for granted

When I first moved to the East Village in NYC, I didn't mind friends staying. But it soon became friends of friends. At one point I had visitors 7 out of 8 weekends in a row. Plus I was cleaned out of my refrigerator and no one ever put in. Finally, when one friend of someone who was not a close fri...
by Rob5TCP
Sun Mar 09, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money issues - people take me for granted
Replies: 74
Views: 4910

Re: Poll: Are you going to retire? And if so, when?

My consulting is not physically demanding and the mental stimulation is great. I will stop taking new client when I hit 60 or 65; and then gradually keep the ones I prefer after age 70. I do not expect to retire, but to take more time away. When I hit 50 I started to take longer vacations and last y...
by Rob5TCP
Sun Mar 09, 2014 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Are you going to retire? And if so, when?
Replies: 38
Views: 2975

Re: is 4gb memory, 500gb hd adequate for new desktop?

I just upgraded my new desktop with an extra 4GB from Crucial - $43 (Dell Optiplex 3020). The extra 500GB to 1TB, in real costs is maybe $20/$30 so $129 is giving them a nice price increase. However, please read below: I just checked Crucial and memory upgrades for this model are quite expensive the...
by Rob5TCP
Sat Mar 08, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 1858

Re: Safest Way to Send Money to IRS?

why are you so concerned with delivery of money? Figured this would be obvious. I owe a lot on my taxes, and I want to pay the IRS - not some thief. If your not comfortable with ACH, you could send the check overnight express mail, registered, return receipt requested. Mail from the post office. Yo...
by Rob5TCP
Sat Mar 08, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Safest Way to Send Money to IRS?
Replies: 35
Views: 1578

Re: Atlantic City and NJ coast south

AC room rates (like Las Vegas) are HEAVILY discounted during the week. The rates can literally double or more on Fri/Sat as people come down for the weekend. The nicest I have stayed at was the Borgata - but it is not on the ocean. We have stayed several nights and it's really classy and so is the W...
by Rob5TCP
Thu Mar 06, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Atlantic City and NJ coast south
Replies: 5
Views: 350

Re: Tipping for take out

Most are paid minimum wage and tips help them survive. For delivery, I tip 15/20% more in inclement weather.
For takeout at least $1 up to $4/$5 if it's a really large take out order.
by Rob5TCP
Thu Mar 06, 2014 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 4547

Re: S-Corp worth it given my financial situation?

I am a sub s - you can not have gross profits of $250,000 and take a salary of $30k with the balance as dividends. I don't know the exact ratios, but my accountant was quite firm on this. The IRS does have various criteria before they audit. This one does setup flags. That's not quite accurate. The...
by Rob5TCP
Wed Mar 05, 2014 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: S-Corp worth it given my financial situation?
Replies: 16
Views: 971

Re: S-Corp worth it given my financial situation?

from Bankrate.com S Corporations "S Corporations tend to want to undercompensate and have employees take more in the way of distribution." That's because compensation is subject to employment tax. Distributions are not. Again, being what the IRS deems "reasonable" is crucial. &qu...
by Rob5TCP
Wed Mar 05, 2014 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: S-Corp worth it given my financial situation?
Replies: 16
Views: 971

Re: S-Corp worth it given my financial situation?

I am a sub s - you can not have gross profits of $250,000 and take a salary of $30k with the balance as dividends.
I don't know the exact ratios, but my accountant was quite firm on this.

The IRS does have various criteria before they audit. This one does setup flags.
by Rob5TCP
Wed Mar 05, 2014 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: S-Corp worth it given my financial situation?
Replies: 16
Views: 971

Re: Do you have a favorite chocolate bar?

livesoft wrote:I like this one because you can walk into it: http://maxbrenner.com.au/chocolate-dessert-bar/


I found Max Brenner to be more of a novelty. I have gone a few times, but much prefer Jacques Torres.
by Rob5TCP
Wed Mar 05, 2014 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4040

Re: Soundbar speaker experiences ?

This review from PCMag just came out yesterday on moderately priced soundbars.

http://www.pcmag.com/article2/0,2817,2418338,00.asp
by Rob5TCP
Wed Mar 05, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Soundbar speaker experiences ?
Replies: 3
Views: 360

Re: Will this affect your Tipping?

I noticed when they starting credit cards in NYC cabs, the tip amount were extraordinarily generous (18/20/25 were the choices). When I am in a hurry, I sometimes will select one of the amounts. Other times, I will give the amount I intend to. For other places, I have no problem hitting no tip if I ...
by Rob5TCP
Wed Mar 05, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7544

Re: Do you have a favorite chocolate bar?

Locally I love Jacques Torres $2.50 for a 1 oz 72% bar http://www.mrchocolate.com/chocolate-bars/mini-72-bars-dark-1-oz.html Also made locally but harder to find is Mast Brothers - I have purchased at our summer gourmet open markets in Brooklyn while it's dark, I don't know the percentage. Trader Jo...
by Rob5TCP
Wed Mar 05, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4040

Re: Questions for dads financial adviser

He is a professional trained in overcoming objections. As stated, whatever you raise, he will have the "correct" answer. I went through this with a friend's "adviser". I didn't give objections. In the end, we thanked him, but we feel that our approach will work better in the long...
by Rob5TCP
Wed Mar 05, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Questions for dads financial adviser
Replies: 14
Views: 1048

Re: What was your dumbest financial decision?

I good "friend" who worked for a company Individual Securities, sold me a silver mine stock that had fantastic "projections". I was 22 and thought he knew what he was talking about. It was a pump and dump. The good news: my folks wouldn't lend me money for it, so I only lost abou...
by Rob5TCP
Sat Mar 01, 2014 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8336

Re: Where to buy polo shirts?

Best deal aggregates all the best sales
Ralph Lauren polos are $59 -- other ones go down to single digits
plus Jos A Banks usually has a pseudo 3 for 1 sale.


http://dealnews.com/search.html?search=polo+shirt+men
by Rob5TCP
Thu Feb 27, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Where to buy polo shirts?
Replies: 54
Views: 4044

Re: Layover in Amsterdam

When I was in Amsterdam we had a blast at the Milky Way - of course I was 25 then. But, it now is more of a cultural center -- in the 80's it was a bit wilder.

https://en.wikipedia.org/wiki/Melkweg

Rijks Museum
https://www.rijksmuseum.nl/en

Anne Frank House
http://www.annefrank.org/
by Rob5TCP
Tue Feb 25, 2014 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Layover in Amsterdam
Replies: 23
Views: 1040

Re: Does Vanguard spend "our" money on Lobbying activities?

To it's credit, most of Vanguard's low costs do benefit the ultimate mutual fund owners (us). Just like Vanguard, Walmart is relentless on lowering costs and the prices it charges. If it were like Vanguard, you would not find 4 of the 20 wealthiest people in the country, to be from the Walton family...
by Rob5TCP
Mon Feb 24, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Does Vanguard spend "our" money on Lobbying activities?
Replies: 49
Views: 3467

Re: Back Up Computer Options

Currently I have 2 external hard drives (750GB and 2TB) plus four flash drives 2 128GB and 2 64GB. I have had consistent reliability problems with flash drives over 32GB. They work for awhile, then the data becomes unretrievable. Do you test yours periodically? Which ones do you use? Thanks. I have...
by Rob5TCP
Mon Feb 24, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Back Up Computer Options
Replies: 50
Views: 2130

Re: Back Up Computer Options

Currently I have 2 external hard drives (750GB and 2TB) plus four flash drives 2 128GB and 2 64GB. My critical files are on all; and the flash drives are rotated off site. The external hard drives are backed up every-time critical information is entered. External storage and flash drives have become...
by Rob5TCP
Sun Feb 23, 2014 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Back Up Computer Options
Replies: 50
Views: 2130

Re: Has anyone seen the Japanese Stock Market?

I also remember some other speculative bubbles from Japan circa 1980's. There was also heavy borrowing against real estate. But their values went far absurdely higher than they did in the US. From Wiki: Tokyo Imperial Palace (皇居 Kōkyo, literally, "Imperial Residence") is the main residence...
by Rob5TCP
Sun Feb 23, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen the Japanese Stock Market?
Replies: 73
Views: 6240

Re: How to Increase Charitable Giving?

In my situation, I cut my giving, dramatically, when I had a couple of off years in my business. This year looks to be a major good year. The added benefit, I will be a couple of brackets higher, so the extra deduction will allow bigger giving. If the law still allows, when I eventually reach 70, I ...
by Rob5TCP
Sun Feb 23, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Increase Charitable Giving?
Replies: 26
Views: 1409

Re: Home office deduction = one-way ticket to being audited?

If your home office is smaller than 300 square feet -- you can use the new easier home office deduction: $5 per square foot up to 300 square feet: http://smallbusiness.foxbusiness.com/finance-accounting/2014/02/21/taking-home-office-deduction-read-this/ IRS, Internal Revenue Services, taxes, tax day...
by Rob5TCP
Sat Feb 22, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home office deduction = one-way ticket to being audited?
Replies: 31
Views: 3286
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