Search found 2223 matches

by Rob5TCP
Fri Sep 04, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can I sue my former employer?
Replies: 26
Views: 1700

Re: Can I sue my former employer?

NOT an expert in this area, but this might be a place to start if your willing to do some legwork. http://www.nolo.com/legal-encyclopedia/wrongful-termination-was-firing-illegal-32282.html Some of the issues it brings up: l. In deciding whether an implied employment contract exists, courts look at a...
by Rob5TCP
Thu Sep 03, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: Bill Gross: cash is your best investment right now
Replies: 54
Views: 6348

Re: Bill Gross: cash is your best investment right now

Are short term bonds really a near cash equivalent? Vanguard Short-Term Corporate Bond Index Fund Admiral Shares (VSCSX) is yielding 2.03% over cash yielding about 1% in a savings account. Is that a free lunch? There is never a free lunch. Should interest rates rise dramatically, a money market acc...
by Rob5TCP
Thu Sep 03, 2015 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Fed Rate Hike Question
Replies: 19
Views: 1395

Re: Fed Rate Hike Question

Theoretically multiply the increase by the bonds duration. In this case short terms treasuries .25% x 2.3 years duration = approximately .575% The value would go down .575% Generally speaking the higher rates, assuming nothing changes would even out in 2.3 years. Again other factors come into play. ...
by Rob5TCP
Tue Sep 01, 2015 10:02 pm
Forum: Personal Consumer Issues
Topic: So-called charity won't delete my name
Replies: 28
Views: 2137

Re: So-called charity won't delete my name

You can thank the law firm in the story below for the legality of all these sleazy companies that charge 80-90% of whatever they raise for charity. There is a whole industry that he has defended state by state, and Federally and won every case. Sleazy firms and IMHO very sleazy lawyer. He really bel...
by Rob5TCP
Tue Sep 01, 2015 4:36 pm
Forum: Personal Consumer Issues
Topic: So-called charity won't delete my name
Replies: 28
Views: 2137

Re: So-called charity won't delete my name

Even reputable charities have used fund raisers that kept 20,30.40% and more of the money raised.
I never respond to a solicitation and will only donate to those that I have researched.
There is a lot of fraud and even among the reputable there is much misrepresentation.
by Rob5TCP
Tue Sep 01, 2015 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Finding Yield for International Funds/Real Estate
Replies: 1
Views: 117

Re: Finding Yield for International Funds/Real Estate

I own VGRLX, ex US R.E. Global and all I can find is TTM - twelve trailing months - 4.37%
30 day SEC Yield is also blank.
I also noticed the same for the Vanguard R.E. Index Fund.
by Rob5TCP
Tue Sep 01, 2015 11:47 am
Forum: Personal Consumer Issues
Topic: So-called charity won't delete my name
Replies: 28
Views: 2137

Re: So-called charity won't delete my name

I made the mistake of giving to the Alzheimer's Foundation - it's a legit charity, the contribution was made as a memorial to someone who had been afflicted with the disease. Anyway, they sold my name and address to other charities, now I've been bombarded with requests for money.....it's gotten ki...
by Rob5TCP
Tue Sep 01, 2015 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Question
Replies: 24
Views: 3108

Re: Credit Card Question

I use the Capital one Venture Mastercard - the 2% is only redeemable for travel, but that is not a problem for me. Yes, it has a fee but I do charge a ton of software for clients (so that is a fairly small ding on my return). The 2% is on everything I charge. I am searching for higher reward cards, ...
by Rob5TCP
Tue Sep 01, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: So-called charity won't delete my name
Replies: 28
Views: 2137

Re: So-called charity won't delete my name

There is little or nothing to be done. You get HUGE leaway when classifying yourself as a non-profit fundraiser. The worst offenders give 3-5%. In some cases, the charity OWED MORE than the fund raiser raised and how to pay them out of pocket. Research before you give -- and if you do decide to give...
by Rob5TCP
Mon Aug 31, 2015 1:26 pm
Forum: Investing - Theory, News & General
Topic: I Bonds vs cd's
Replies: 11
Views: 1450

Re: I Bonds vs cd's

Not exactly what you asked, but I did have a need beyond my emergency fund a couple of years ago. The options were my Ally 2.4% with 2 months interest EWP or my I Bonds. The I Bonds were paying 0% and I knew I could easily replace them. The new Ally CD's were yielding less with a 5 month EWP. I cash...
by Rob5TCP
Mon Aug 31, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Maximize Social Security or Minimize Income Now?
Replies: 5
Views: 495

Re: Maximize Social Security or Minimize Income Now?

Your top 35 years count and any "missing" years count as zero. There is a formula that can be found that shows you various options: or you can go to the social security site and give various options zero income for the next 5 years; 20k, 10k, 30k, etc. This will show you what the affect it...
by Rob5TCP
Sun Aug 30, 2015 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fractional Ownership [Property]
Replies: 24
Views: 1716

Re: Fractional Ownership [Property]

Fractional ownership is the preferred marketing term for timeshare. If you intend to use this year after year, management has a long stable record, and you don't mind that it MIGHT have minimal resale value -- this might be worthwhile for you. I have seen too many timeshares, that seemed wonderful o...
by Rob5TCP
Fri Aug 28, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Costco American Express Card [going away]
Replies: 30
Views: 3470

Re: Costco American Express Card

I am in a simliar boat - my card will no longer be accepted at Costco beginning 3/2016. Plus I have a freeze on my credit so getting a replacement VISA might not be the easiest thing in the world. I plan to stop using it as soon as Costco ends its affiliation. If AMX offers me a good rewards card, I...
by Rob5TCP
Fri Aug 28, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: Ideas for Maine Vacation
Replies: 41
Views: 3328

Re: Ideas for Maine Vacation

DaftInvestor wrote:
DDMP20 wrote:Hey gatorman. Did you already make your trip to Maine? If so what did you do and how was it. If not, when are you going?


I assume he did since he asked the question back in 2011 :happy


He has great ideas for his next trip !!
by Rob5TCP
Fri Aug 28, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Ideas for Maine Vacation
Replies: 41
Views: 3328

Re: Ideas for Maine Vacation

Went to Maine last year and had a great time. We visited Arcadia of course. If walking is limited you can take the 34 mile park loop road which is quite scenic and has many spots for taking a short walk. If you do this, buy the book by Robert Thayer, The Park Loop Road, which stop by stop shows you ...
by Rob5TCP
Thu Aug 27, 2015 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Help 2 grow 90k invest fairly fast
Replies: 89
Views: 7763

Re: Help 2 grow 90k invest fairly fast

An excellent source for higher rates on savings is Ken Tumin's blog. I read his column weekly and he lists the best current deals each week. I was able to lock in 3.04% WITH the ability to add to it by following his blog. It's worth the two minutes I spend each week. Plus he gives you the safety rat...
by Rob5TCP
Tue Aug 25, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Janus Bond Fund down almost 3% yesterday
Replies: 13
Views: 1853

Janus Bond Fund down almost 3% yesterday

How does a bond fund manage to lose almost 3% in one day?
And that's in a day when most bond funds went up. As far as I know Janus Global Unrestrained bond fund is not a short/long fund?
http://www.wsj.com/articles/bill-grosss ... 1440506087
by Rob5TCP
Sun Aug 23, 2015 9:22 pm
Forum: Personal Consumer Issues
Topic: Diamond ring- insurance vs resale value
Replies: 13
Views: 1190

Re: Diamond ring- insurance vs resale value

If your near NYC, there is an 47th street - you could get several quotes in an afternoon. Just don't let the diamond out of your sight. Switches have been known to happen. Christie's (East I believe) has auctions for lower priced jewelry; you might check with the major auction houses to get an estim...
by Rob5TCP
Sat Aug 22, 2015 2:07 pm
Forum: Personal Consumer Issues
Topic: Visiting New York City this weekend. What pizza should I try?
Replies: 53
Views: 4044

Re: Visiting New York City this weekend. What pizza should I try?

As stated above NO ONE goes to Sbarro's for good pizza. They go because their is little else available nearby. I would say the same for most of the Ray's - they don't use the fresh made mozzarella; just lots of whatever cheese topping. There is little to distinguish them. Any of the good ones mentio...
by Rob5TCP
Fri Aug 21, 2015 3:18 pm
Forum: Personal Consumer Issues
Topic: Visiting New York City this weekend. What pizza should I try?
Replies: 53
Views: 4044

Re: Visiting New York City this weekend. What pizza should I try?

BRIEF history of NY pizza (from Pizzaforpizza.com - with some alterations). The ones I bolded are still around and recommended. The Families of New York Pizza Here's where it might get confusing without a scorecard: Gennaro Lombardi - first of the New York pizzaiolos. Lombardi's begat Totonno's (Bro...
by Rob5TCP
Fri Aug 21, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: Visiting New York City this weekend. What pizza should I try?
Replies: 53
Views: 4044

Re: Visiting New York City this weekend. What pizza should I try?

For pizza - come to NY
For soup and pot pies (pseudo pizza)
go to Chicago.
by Rob5TCP
Fri Aug 21, 2015 12:50 pm
Forum: Personal Consumer Issues
Topic: Visiting New York City this weekend. What pizza should I try?
Replies: 53
Views: 4044

Re: Visiting New York City this weekend. What pizza should I try?

There are many good/great pizzerias NY Thin Crust / Artisian Motorino - East Village Roberta's - Brooklyn, E Williamsburg, Bushwick Paulie Gee's - Brooklyn, Greenpoint Lucali's - Brooklyn Trad Thin Crust Julianas Brooklyn NY run/owned by 80+ year old DEAN of pizzeria's Patsy Grimaldi Grimaldis - Bkl...
by Rob5TCP
Thu Aug 20, 2015 3:34 pm
Forum: Investing - Theory, News & General
Topic: Cheap copy of Lange's Retire Secure 3rd Edition
Replies: 55
Views: 5677

Re: Cheap copy of Lange's Retire Secure 3rd Edition

Yes, this is a very generous offer, and I'm grateful ithe forum was made aware of it. I will note, though, that my phone number and e-mail were *required* to submit the order. I don't mind paying the modest shipping charge. I do mind having my contact information used for follow-up solicitation or,...
by Rob5TCP
Wed Aug 19, 2015 3:30 pm
Forum: Investing - Theory, News & General
Topic: Cheap copy of Lange's Retire Secure 3rd Edition
Replies: 55
Views: 5677

Re: Cheap copy of Lange's Retire Secure 3rd Edition

Just picked up a copy and thank you for the tip.
Wish it were in digital format.
by Rob5TCP
Tue Aug 18, 2015 8:44 am
Forum: Investing - Help with Personal Investments
Topic: What do you think of this 'demo' portfolio?
Replies: 55
Views: 2658

Re: What do you think of this 'demo' portfolio?

I agree with the prior poster. The total market is in line with Boglehead philosophy. But, you are "betting" heavily that REITS and Healthcare ill continue to outperform the general market. Additionally your bond fund has close to a 15 year duration. Should interest rates rise even 1/2 a p...
by Rob5TCP
Sun Aug 16, 2015 11:41 am
Forum: Investing - Theory, News & General
Topic: Grant Cardone
Replies: 4
Views: 558

Re: Grant Cardone

Watching a couple of his videos- he comes across as an old time snake oil salesman.
Got a sneaky feeling he makes his money from what he sells people and not from following his own advice.

[ad hominem comment deleted by admin alex.]
by Rob5TCP
Sat Aug 15, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Question about CDs - right for emergency fund
Replies: 9
Views: 1125

Re: Question about CDs - right for emergency fund

You can get online savings paying a bit over 1%. If these are emergency funds that you might need at short notice do you want it tied up with a CD that pays 1/4% more? An alternative is to go with a 5 year that has a 6 month EWP that pays 2.25% (Synchrony). You could keep some of it readily availabl...
by Rob5TCP
Mon Aug 10, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Inherited jewelry and have no clue how to liquidate
Replies: 27
Views: 2906

Re: Inherited jewelry and have no clue how to liquidate

Going to one of several diamond "exchanges" around the country should be a starting point (the largest by far is 47th street in NYC). As mentioned above keep your eye on your piece at all times. Most are honest, but there are less than honest ones as well. Checking on EBay to see what peop...
by Rob5TCP
Sun Aug 09, 2015 8:02 pm
Forum: Investing - Theory, News & General
Topic: What's the use of Vanguard International Bond Index?
Replies: 4
Views: 691

Re: What's the use of Vanguard International Bond Index?

I purchased this fund thinking I had currency diversification. When I learned it uses hedges (which actually worked in my favor for the time I held it); I found no reason to hold these. I was able to sell put the money into a 5 year CD that was paying 3.04% at the time. I won't be going back into th...
by Rob5TCP
Sat Aug 08, 2015 9:20 pm
Forum: Investing - Theory, News & General
Topic: Why did PCRIX DOUBLE? [PIMCO CommodityRealReturn Strategy]
Replies: 7
Views: 808

Re: Why did PCRIX DOUBLE? [PIMCO CommodityRealReturn Strategy]

Almost all commodity / CCF funds have been losers the past few years. Having a small amount PCDRX, I would be astonished to find it doubling (especially in the current market for commodities). As a black swan investment, I won't know if it works until that day...
by Rob5TCP
Fri Aug 07, 2015 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Current CD rates and online banking
Replies: 54
Views: 5998

Re: Current CD rates and online banking

Still another endorsement of Depositaccounts.com When there was a 3% account that you could add to; it was heavily discussed at that site. It was only for 3 months last year. Right now 2.25-2.5 seems to be the best currently. Periodically PenFed or several other banks briefly offer 3% CD's. When the...
by Rob5TCP
Fri Aug 07, 2015 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS fund losing value
Replies: 6
Views: 1140

Re: TIPS fund losing value

Is your fund closed end and might it have gone from a premium to a discount.
2013 seems to be when most TIP funds lost money - looks like about 1.2 % times duration.
Last year and this seemed to be mildly positive. Did you include any distributions you received.
by Rob5TCP
Thu Aug 06, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Browsers and Security - a question
Replies: 12
Views: 1567

Re: Browsers and Security - a question

Both Chrome and Firefox have stated that they will no longer accept SSL with SHA-1 begining 1/2017 From Wikipedia In September 2014 Google announced their deprecation policy on SHA-1 according to which Chrome will stop accepting SHA-1 certificates in SSL in a phased way by 2017.[8] Mozilla is also p...
by Rob5TCP
Thu Aug 06, 2015 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports Makes Significant Changes to Car Buying Service
Replies: 19
Views: 2674

Re: Consumer Reports Makes Significant Changes to Car Buying Service

Consumer Reports has done, what I consider, less than ideal practices over the past few years. When I signed up for their website, I was enrolled in automatic renewal. I've always hated that. Fortunately I had the option (after searching) to change it. This is clearly more in Consumer Report's best ...
by Rob5TCP
Wed Aug 05, 2015 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: How Does S Corp Tax Savings Affect Future SS Payout?
Replies: 15
Views: 887

Re: How Does S Corp Tax Savings Affect Future SS Payout?

You have to draw a "reasonable salary". Also remember that down the road, all your earnings will be inflation adjusted. So, theoretically, if inflation should return, your $100,000 salary in 2015 could be $250/$300,000 in 2045. Knowing the bend points does make this decision easier. But, i...
by Rob5TCP
Wed Aug 05, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: CDs vs. treasury bonds
Replies: 99
Views: 7193

Re: CDs vs. treasury bonds

there have been several posts - other than liquidity; I prefer CD's (several I have are 3.04%) with an reasonable EWP.
To me, that is a better "deal" than a 5 or 7 year bond/bond fund.
by Rob5TCP
Wed Aug 05, 2015 11:16 am
Forum: Forum Issues and Administration
Topic: Bringing back the poll
Replies: 12
Views: 987

Re: Bringing back the poll

+1

But as stated, they said too many resources were spent keeping the poll
(if I remember correctly).
by Rob5TCP
Wed Aug 05, 2015 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Am I wrong? [to assist family members with finances]
Replies: 32
Views: 4218

Re: Am I wrong?

At the very least - move some to a online savings account paying around 1%. If they want to get a little exposure; wait for a special on a CD and go look for 3% on a 5 year (maybe more in the near future, maybe not). Or a 2.25% with a low EWP. Then put 10-15% in equities. If markets do well, they wi...
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: 2143

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: 6177

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: 3498

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: 33
Views: 3126

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: 909

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: 997

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: 909

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: 2754

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: 5938

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: 7018

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: 905

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: 94
Views: 9907

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...

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