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Re: Online Security: Are there any sites you do not trust?

while I do use Google's Gmail, I use it in conjunction with a TOR browser. This prevents Google from getting most of it's information (judging by the ads that show in various languages). I use duckduckgo as my browser, and only use Google in a protected mode. I do have What'sapp which is a face book...
by Rob5TCP
Mon Sep 01, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Online Security: Are there any sites you do not trust?
Replies: 14
Views: 1395

Re: What Movie Have You [Recently] Watched?

It poured last night so caught up on Netflix House of Cards -- very good political series Glengarry Glen Ross, a simpler time when scams were done by guys in a boiler room in NY rather than large scale over the internet; (if you have never seen it - HIGHLY recommended - Al Pacino, Jack Lemon, Kevin ...
by Rob5TCP
Mon Sep 01, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 66
Views: 2427

Re: Vanguard is finally getting Two Factor Auth (2FA)

Nice! SMS is a common method for 2FA. Someone would have to go through a ton of trouble to either intercept the SMS or steal your phone to break in. Combined with the voice verification that Vanguards offers and I'll feel much better about my finances and their safety. Unfortunately there is softwa...
by Rob5TCP
Sun Aug 31, 2014 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 16
Views: 2348

Re: Vanguard is finally getting Two Factor Auth (2FA)

I don't own a cell phone. Can the passcode be sent to my home computer by email? Some sites will offer a robo call with the passcode. Gmail offers this; not sure if Vanguard will be implementing that as well (since most folks do have a cellphone). Email IS an option - several of my sites send codes...
by Rob5TCP
Sun Aug 31, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 16
Views: 2348

Re: Vanguard is finally getting Two Factor Auth (2FA)

:thumbsup Every phone call I have with Vanguard I ask about 2FA (for almost a year). You can't see this but I am dancing by the keyboard for this. Not perfect, but IMHO, it's an important step in the right direction (even more than 20 characters instead of 10 for the password). :beer @ jebmke As for...
by Rob5TCP
Sun Aug 31, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 16
Views: 2348

Re: NYC [Visit to New York City]

For discount events, cruises, shows, tours, etc
http://www.goldstar.com/new-york
by Rob5TCP
Sun Aug 31, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 1854

Re: NYC [Visit to New York City]

If you go to Smorgasburg in Williamsburg (the L train stops a few blocks away); go on Saturday when there are 100 food vendors. The lobster rolls are great.
Also 2 great pizzerias in Williamsburg (I am a pizza nut)
http://www.yelp.com/biz/robertas-brooklyn-2
http://www.zagat.com/r/motorino-new-york2
by Rob5TCP
Sun Aug 31, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 1854

Re: NYC [Visit to New York City]

Food Pizza: thin crust in East & West village http://www.yelp.com/biz/lombardis-pizza-new-york 1st pizzeria in Us http://www.yelp.com/biz/luzzos-new-york http://www.yelp.com/biz/johns-pizzeria-new-york-4 http://www.yelp.com/biz/keste-pizza-and-vino-new-york http://www.yelp.com/biz/motorino-new-y...
by Rob5TCP
Sat Aug 30, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 1854

Re: Has anyone installed Trusteer Rapport ?

I did try it years ago, but it created problems. I have looked at several sites and most of the reviews of the product are quite old Here were two interesting ones: http://krebsonsecurity.com/2010/04/a-closer-look-at-rapport-from-trusteer/ http://www.dslreports.com/forum/r29144780-Trusteer-Rapport I...
by Rob5TCP
Sat Aug 30, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone installed Trusteer Rapport ?
Replies: 4
Views: 646

Re: Costco:is it worth it for just two people?

I am single and have a Costco membership for over 10 years. I used to have executive, but found the regular was a better fit for me. Most years I more than meet my costs with savings. Electronics, having photo's converted to jpg's (hundreds and hundreds); occasional coat, prepared food, vitamins, dr...
by Rob5TCP
Sat Aug 30, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 112
Views: 6850

Re: Poor Janus, a look at this once high flying fund family

I read a Forbes review of mutual funds in the 90's and Janus came out near the top. I bought, Overseas, Janus, Balanced, Twenty, Venture (which went up 5 times and then crashed). I thought I had great diversification. At one point I was averaging 30% 3 years in a row. Then came the downfall. I found...
by Rob5TCP
Sat Aug 30, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 69
Views: 6430

Re: "The Best of Times. An Interview with Jonathan Clements"

Thank you Taylor:

Mr. Clements is almost always worth reading and this was no exception to that.
by Rob5TCP
Fri Aug 29, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: "The Best of Times. An Interview with Jonathan Clements"
Replies: 3
Views: 557

Re: Your thoughts on farmland values

I wouldn't bet the farm on this (pun intended). Who knows what 10 years will be like. If this is pure spec money; you might do well. Some big "ifs": if subsidies change, it will affect farmland prices. If there is weather change, the land could become more/less productive. If 3rd world cou...
by Rob5TCP
Fri Aug 29, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Your thoughts on farmland values
Replies: 29
Views: 2413

Re: Protecting one's bank account from PayPal

I link PayPal to a bank account with less than $100. My primary c.c. is a number that was compromised 1 year ago; every time I make a purchase I add a valid credit card
then remove it after the purchase is done. So Paypal usually has a useless c.c. and a bank account with $50-$75 in it.
by Rob5TCP
Thu Aug 28, 2014 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 26
Views: 2272

Re: GPS: Garmin 2558 vs. Tom Tom Go600

It is a thought, but I need the larger size of the GPS. I was considering a
6/7 inch GPS.
by Rob5TCP
Wed Aug 27, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: GPS: Garmin 2558 vs. Tom Tom Go600
Replies: 4
Views: 319

Re: GPS: Garmin 2558 vs. Tom Tom Go600

I knew this would be a toughie but I was hoping someone would have some knowledge on this
by Rob5TCP
Wed Aug 27, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: GPS: Garmin 2558 vs. Tom Tom Go600
Replies: 4
Views: 319

GPS: Garmin 2558 vs. Tom Tom Go600

Garmin 2558 $139 on sale at Costco HD traffic familiar with Garman software and features Tom Tom Go 600 $250 Two articles stated they had the best traffic warnings not familiar with their setup and features After speaking stuck by the Lincoln Tunnel in NY on the way home I am retiring my old Garmin....
by Rob5TCP
Wed Aug 27, 2014 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: GPS: Garmin 2558 vs. Tom Tom Go600
Replies: 4
Views: 319

Re: How do you usually pay for something under $5?

Under $5 always cash - over $10 always c.c. (points).
In between toss up (some places have $10 minimum).
by Rob5TCP
Wed Aug 27, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you usually pay for something under $5?
Replies: 28
Views: 1189

Re: Anybody heard of/used Zinc Save?

Now I am worried. Is fatwallet something similar? Over there as well, if you log in, you get discounts when making purchases ... I checked with web of trust, FatWallet has been around awhile and it is a highly ranked website. It does get the trustworthy sign from WOT - That's not foolproof but it i...
by Rob5TCP
Wed Aug 27, 2014 3:22 pm
 
Forum: Personal Consumer Issues
Topic: Anybody heard of/used Zinc Save?
Replies: 10
Views: 919

Re: Ally Bank CD

I have 3 CD's with them. The rates/terms are no where near as generous as they were a few years ago.
They used to have a 60 day penalty for breaking a CD; no more.
As far as service they have generally been fine.
by Rob5TCP
Wed Aug 27, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD
Replies: 12
Views: 1547

Re: Arches-Bryce-Zion road trip: Where to stay?

We "went" to Zion/Bryce last October - just in time for the parks to be shutdown. Though we got a 1/2 day just before we left, we're planning
to go back either next year or the year after.
by Rob5TCP
Wed Aug 27, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Arches-Bryce-Zion road trip: Where to stay?
Replies: 16
Views: 1036

Re: Do vanguard funds compound monthly?

CD's and bonds compound monthly (or whatever is setup)
My bonds fund usually give dividends which compound monthly.
Equities usually declare dividends several times a year.
by Rob5TCP
Mon Aug 25, 2014 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do vanguard funds compound monthly?
Replies: 11
Views: 1249

Re: When did you hear of Bill Miller and Legg Mason Value Tr

I heard of them when there was a story of beating the S&P 10 years in a row. Was tempted to get into it at that time.
by Rob5TCP
Sun Aug 24, 2014 10:35 am
 
Forum: Investing - Theory, News & General
Topic: When did you hear of Bill Miller and Legg Mason Value Trust?
Replies: 32
Views: 2322

Re: Is it me, or are "collectibles" worthless in 2014?

Hummels and LLaydro were collectibles years ago. Before EBay I think they were sold by clubs, through ads and commanded a fair amount of money. Today Llaydros selling for a fraction of what they once did (for some reason an Aunt left me 5 of them when she moved to Florida). Had I sold them right awa...
by Rob5TCP
Sat Aug 23, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6015

Re: I need "Ultra High Net Worth" investing advice please

I disagree about 50 million and 50 thousand having the same investing principles. To live VERY well the rest of your life you can take ZERO risk. A 2-3% savings account will give you $1 - $1.5 million a year. I don't know what your needs or your family requirements are, but that will satisfy a lot. ...
by Rob5TCP
Sat Aug 23, 2014 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 215
Views: 15362

Re: No room on your Windows hard drive? Cleanup Update files

I would love to delete "Intel Network Connection Drivers 16.1" and its 1 million MB, which I apparently haven't used in 2 years, from my Windows XP - but I fear unintended consequences. One million MB is a Terabyte. Most hard drives on new machines are a terabyte. I have a feeling that is...
by Rob5TCP
Sat Aug 23, 2014 7:03 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 47
Views: 3219

Re: No room on your Windows hard drive? Cleanup Update files

I would love to delete "Intel Network Connection Drivers 16.1" and its 1 million MB, which I apparently haven't used in 2 years, from my Windows XP - but I fear unintended consequences. One million MB is a Terabyte. Most hard drives on new machines are a terabyte. I have a feeling that is...
by Rob5TCP
Sat Aug 23, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 47
Views: 3219

Re: Do you tip on the tax? [Restaurants]

I handle the payroll software for a few restaurants in NY; our law is tips plus the state minimum wage must equal the federal minimum wage. The disparity in wages between the "low end" restaurant and a high end steak house is enormous. Both more than meet the minimum wage requirement. The ...
by Rob5TCP
Sat Aug 23, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4985

Re: Do you tip on the tax?

While I do have fairly frequent moderately expensive meals, I tend to tip 18% of the food costs. I rarely (perhaps once every few years) go to the ultra expensive restaurants $100-$150 per person and up. Sometimes tips are included. As I mentioned, in an earlier, for low costs shops I tip 25% to as ...
by Rob5TCP
Fri Aug 22, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4985

Re: Do you tip on the tax?

When going to an expensive restaurant, I tip only on the food/drink costs alone. If it's a local diner; where the bill might be $15, I usually tip on the whole bill.
The difference is usually fairly negligible. I usually give a higher % at an inexpensive restaurant, then I do at a more expensive.
by Rob5TCP
Fri Aug 22, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4985

Re: Is a 16% expense ratio technically possible?

Wow If my crude math is correct, $10,00 invested would have turned into $95 in that time period I calculate $858.76. The expense ratio is included in (and is pretty much the reason behind) those negative returns. So don't include expense ratio. Take 8% off the top, then reduce by the negative retur...
by Rob5TCP
Thu Aug 21, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Is a 16% expense ratio technically possible?
Replies: 15
Views: 1491

Re: Is a 16% expense ratio technically possible?

Wow If my crude math is correct, $10,00 invested would have turned into $95 in that time period Pretty close: It had a couple of "better" years - so the actual decline over time "according to this article $1,000 becomes $11.35" http://msbusiness.com/blog/2010/01/20/fefpx-mutual-...
by Rob5TCP
Thu Aug 21, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Is a 16% expense ratio technically possible?
Replies: 15
Views: 1491

Re: Is a 16% expense ratio technically possible?

I saw this posting in an old forum N2AV8N Worst mutual fund of all time... 07-14-2003, 11:12 AM | Post #88349 Came across this dog today while reading an excerpt from CBS Marketwatch: Frontier Equity FEFPX Front Load 8.0% Expense Ratio 42.36% Returns: 2000 -51.5% 2001 -29.8% 2002 -54.0% 2003 -40.4% ...
by Rob5TCP
Thu Aug 21, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Is a 16% expense ratio technically possible?
Replies: 15
Views: 1491

Re: B&H Photo - NY City Experience

Most of the shady Brooklyn ones are long out of business. There are still some left, but the majority closed years ago. With some many legitimate sites; it was too easy to check these guys out and buy from the "good' guys. Ebay is probably the top site now for the sleaze balls - feedback helps ...
by Rob5TCP
Wed Aug 20, 2014 8:29 am
 
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 2347

Re: Buying a home with aluminum wiring?

What safety or other issue exists now that has not existed since the place was built 40+ years ago? Sounds like it has stood the test of time. Not according to the article in the NY Times "While it might be tempting to believe that a home with aluminum wiring is safe because the wiring hasn't ...
by Rob5TCP
Wed Aug 20, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 4574

Re: 4% CD Cheaper Than Steak Dinner Pitch

South Florida had a bunch of these advertised about 4 years ago or so. I went down and it took about 5 minutes to realize this was a waste of my time. There was a limit on what I could invest and while FDIC insured, after 6 months went by I had to deal with his company again. I decided it wasn't wor...
by Rob5TCP
Tue Aug 19, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: 4% CD Cheaper Than Steak Dinner Pitch
Replies: 2
Views: 1203

Repeat: PBS Frontline The Retirement Gamble

This is a repeat from last year of the expose on Wall Street's "small" fees that add up over time and the effects it can have. I am not sure if John Bogle is in this or not. In the NY area it airs at 10PM tonight on Channel 13 (WNET), Caught part of it the last time, will catch the rest to...
by Rob5TCP
Tue Aug 19, 2014 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Repeat: PBS Frontline The Retirement Gamble
Replies: 5
Views: 2003

Re: B&H Photo - NY City Experience

B&H is my go to place. Not always the cheapest but very reasonable and responsible. I used to use J&R, but found B&H a better all around place to do business. I would avoid Willoughby's, which claims to be the oldest photography store in NY (maybe the country). They own the name, but the...
by Rob5TCP
Tue Aug 19, 2014 7:17 pm
 
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 2347

Re: Windows 7 PC?

I find no compelling reason to even consider Win 8. Even Microsoft knows this is a dog. It's been dubbed the new Vista. Windows 9 should be the one to consider. Since Win7 has many years of support left, I am in NO hurry to have my clients (or me) migrate off Win7. http://news.yahoo.com/might-perfec...
by Rob5TCP
Tue Aug 19, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2420

Re: Why no transaction alerts from Vanguard/others?

I would like a text only for 1. new purchases (not from dividends) 2. ANY withdrawals or transfers 3. any password/login changes 4. each time there is access of my account The rest of the alerts I would like through regular email. I have not been able to see how to have the above through texts. Thos...
by Rob5TCP
Tue Aug 19, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1234

Re: The Funniest Movie Ever

Have not thought about this movie in awhile
but

Good Morning Vietnam

Had me in stitches
by Rob5TCP
Fri Aug 15, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 14862

Re: Windows 7 PC?

Most of my clients have been purchasing Win7 -- extended support goes until 2019 or 2020. By that time we will probably skip Win 8 altogether.
We will be looking at Win9 when it comes out. Make that 1/2020.

http://windows.microsoft.com/en-us/windows/lifecycle
by Rob5TCP
Fri Aug 15, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2420

Re: Going from W-2 to 1099

SEP IRA is a lot easier to setup and paperwork is less. You can contribute more to a 401K; but an SEP does allow you to contribute 25%
of your W2 income (dividend distributions can not be sheltered into a SEP-IRA).

I started with a KEO but ended up switching to the SEP because of its ease.
by Rob5TCP
Thu Aug 14, 2014 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going from W-2 to 1099
Replies: 27
Views: 1795

Re: Kiplinger Article - Vanguard's Actively Managed Funds

There have been literally dozens (if not more) of posts on Dan Weiner -- use the search function to find some of them. Also Madslinger gives a monthly report on how his newsletters compare to standard Boglehead portfolios. It's interesting to see. This is from May, 2014 http://www.bogleheads.org/for...
by Rob5TCP
Thu Aug 14, 2014 8:16 am
 
Forum: Investing - Theory, News & General
Topic: Kiplinger Article - Vanguard's Actively Managed Funds
Replies: 1
Views: 716

Re: More on Computer Security

I have had to replace my c.c. 4 times in 3 years (including TWICE this year). it is driving me a bit crazy. Since I check my balances regularly and get alerts for all charges (over $10) I stop it almost immediately. I even tracked down one crook, but the police would do nothing because of the size o...
by Rob5TCP
Tue Aug 12, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: More on Computer Security
Replies: 17
Views: 1622

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

This has been the most enlightening post on hashing and salting encryption of passwords.
I knew the terms and I knew they involved encryption, but how they functioned, I was not familiar.

Thanks for a most educational post.
by Rob5TCP
Sun Aug 10, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7499

Re: Fear of Disclosing Net Worth

I would suspect "they" already know. If you spend time on the computer or buy with plastic, there is loads of data on your spending habits, your leisure time habits, etc. etc. etc. THEY KNOW ALREADY. I would not worry about it if you feel the need for financial advice. I don't agree with ...
by Rob5TCP
Sun Aug 10, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 8129

Re: California Redwoods in December - VW Vanagon

Big Basin Redwood Park was one of my favorites parks, when I lived in SF (over 30 years go). Also, a SMALL but wonderful redwoods is Muir Woods. Not the grandeur of further north, but worth a stop if you stay in the Bay Area. When we went to the Redwoods about 12 years ago we stayed at super B&B...
by Rob5TCP
Sat Aug 09, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: California Redwoods in December - VW Vanagon
Replies: 13
Views: 1162

Re: Tell Vanguard they need 2 factor authentication

I request 2fac every time I call Vanguard. And every time the Vanguard rep tells me that I can suspend logins from non vetted browsers, to make things more secure. That's not very user friendly because I'll have to call Vanguard every time I want to vet a new browser. A soft token based on Google A...
by Rob5TCP
Fri Aug 08, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Tell Vanguard they need 2 factor authentication
Replies: 52
Views: 2376
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