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Re: SS website - credit freeze

I would also add 2FA so you have that extra security. Again, you will have to go to the local office. Her reports were deliberately frozen to avoid fraud. Not sure why yours was. Either case, a local visit usually clears it up. We were lucky. When she got there, you take a number and come back. It g...
by Rob5TCP
Tue Sep 30, 2014 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS website - credit freeze
Replies: 5
Views: 505

Re: SS website - credit freeze

I was working with a friend who had the same problem. I was the one who advised her to get a credit freeze. You have to unfreeze at all 3 credit bureaus and then re-freeze. We found it easier to walk 10 blocks to the local office and with full identification get her setup on the website. When we wen...
by Rob5TCP
Tue Sep 30, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS website - credit freeze
Replies: 5
Views: 505

Re: bogus schwab email

Vanguard is supposed to have 2FA within 90 days. Let's hope it happens.
by Rob5TCP
Tue Sep 30, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: bogus schwab email [Phishing scam]
Replies: 22
Views: 760

Re: Why not 100% CD's?

Thank you Kevin - that's an excellent analysis. It goes with what my more superficial observations noted. I have felt for awhile, CD's; with a 2.5%-3% rate and reasonable EWP where the best of the fixed income options. I have a good amount of IBonds from when the purchase limits (and yields) were hi...
by Rob5TCP
Sun Sep 28, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 4949

Re: Why not 100% CD's?

With regard to Tobyhanna, as mentioned it is NCUA insured. N.C.U.A. is the equivalent of the FDIC but it's for Federal Credit Unions. http://www.ncua.gov/Pages/default.aspx Just be aware you may still have difficulty getting through. It did take me 3 weeks to open my accounts. They are a small credi...
by Rob5TCP
Sun Sep 28, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 4949

Re: Why not 100% CD's?

If you are willing to go to 7 years; you can get slightly more than 3% (actually 3.04% yield). It's from TobyHanna Credit Union in PA (though you don't have to live in PA to join). Pro: variable rate with a FLOOR of 3.04% Maximum rate is 7.23% (based on Prime -3.25%; which would currently be zero, b...
by Rob5TCP
Sun Sep 28, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 4949

Re: Supporting the Operating Costs of the Forum

I think a little button is a good idea. Some sites have a tiny tag that shows you are a support of XYZ.
No one is pressured or forced to support any site; but it does give an incentive for some to support that might not ordinarily.

PS Just made a donation. But the above is not because of that fact.
by Rob5TCP
Sat Sep 27, 2014 12:43 pm
 
Forum: Forum Issues and Administration
Topic: Supporting the Operating Costs of the Forum
Replies: 9
Views: 969

Re: Vanguard ETF and fund

Automatic reinvestment of dividends without a charge. No need to worry if there is a large bid/ask difference in the ETF.
If the above two are not important, then an ETF is fine.
One posiible danger is the temptation to "play", for some reason, MAY be greater with an ETF than a fund.
by Rob5TCP
Fri Sep 26, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF and fund
Replies: 19
Views: 1059

Re: Bond King Gross to leave Pimco for Janus

One of the article mentions that his happened just a month after the SEC announced an investigation into his Total Bond Fund ETF.
http://www.businessinsider.com/bill-gro ... mco-2014-9
by Rob5TCP
Fri Sep 26, 2014 8:58 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 106
Views: 8084

Re: How Much Renter's Insurance - Liability Coverage

In the early 90's I lived in an apartment in midtown. There was a water blockage and they shutoff the water. I must have left one on because the apartment below me had water damage when they were turned back on. It wasn't huge, but my renter's policy covered that. I did not have an umbrella policy a...
by Rob5TCP
Wed Sep 24, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: How Much Renter's Insurance - Liability Coverage
Replies: 8
Views: 711

Re: How Much Renter's Insurance - Liability Coverage

Our renter's liability coverage is only $100,000. But my umbrella policy, which includes my rental property covers $2,000,000. I needed the umbrella poicy anyway, I just needed to find out what they required as a minimum on my rental property. A big question is what assets do you have. I felt $2,000...
by Rob5TCP
Wed Sep 24, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: How Much Renter's Insurance - Liability Coverage
Replies: 8
Views: 711

Re: Do you consider Dan Wiener to be a Boglehead?

One last thing: Vanguard and John Bogle did sue Dan Wierner: for appropriating the Vanguard
name in huge type:

http://www.nytimes.com/1993/03/21/busin ... -copy.html
by Rob5TCP
Tue Sep 23, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2073

Re: SSD+nonSSD HD combos seem to work well

I have a 1TB H/D and a 240GB SSD. The prices have come down so much, it's just not worth it to go to a hybrid. The operating system and my most disk intensive programs/files are on the SSD. I still have about 95GB free. My old storage and large video files are on the H/D, but still leave about 400GB...
by Rob5TCP
Tue Sep 23, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: SSD+nonSSD HD combos seem to work well
Replies: 17
Views: 1707

Re: Dan Wiener

I post this on the other Weiner thread: I think you would be 10x better with Weiner than with a typical adviser from ML, or any of the other major brokerage houses. And his portfolio are mostly low cost funds, even if they are active. You could do worse. After reading here, and other places, I just ...
by Rob5TCP
Tue Sep 23, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Dan Wiener
Replies: 18
Views: 2268

Re: Do you consider Dan Wiener to be a Boglehead?

I think you would be 10x better with Weiner than with a typical adviser from ML, or any of the other major brokerage houses. And his portfolio are mostly low cost funds, even if they are active. You could do worse. After reading here, and other places, I just didn't think the expense for his newslet...
by Rob5TCP
Tue Sep 23, 2014 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2073

Re: Do you consider Dan Wiener to be a Boglehead?

I doubt you will find anyone on this board that really considers him a Boglehead. Actually he is almost 180 degrees. He is 100% active management, with bravado that he will increase your earnings 122%. I did once subscribe to his newsletter and found it interesting. However, once he raised my rate, ...
by Rob5TCP
Tue Sep 23, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2073

Re: Dan Wiener

This has been debated to death for YEARS. Here are a few of the prior articles. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=91464 http://www.bogleheads.org/forum/viewtopic.php?t=75987 http://www.bogleheads.org/forum/viewtopic.php?t=30820 http://www.bogleheads.org/forum/viewtopic.php?t=5...
by Rob5TCP
Tue Sep 23, 2014 8:28 am
 
Forum: Investing - Theory, News & General
Topic: Dan Wiener
Replies: 18
Views: 2268

Re: Anyone know anything about diamond rings?

The Diamond industry (to me) is the worst industry to deal with. For the most part you have no idea what you are buying. I have friends/family in the diamond industry and would probably buy Blue Nile or Costco unless my gf objected. The markups are huge - Costco the highest markup is 14% plus I am s...
by Rob5TCP
Mon Sep 22, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Anyone know anything about diamond rings?
Replies: 49
Views: 1867

Re: Rental Property - Still a Good Investment?

There are many considerations: How tough to get a new tenant if this one leaves (every month is large negative cash flow) How are values AND rents appreciating? Do you count the depreciation you take each year (at your top tax rate). Some of this gets recaptured at selling but it's at the lower capi...
by Rob5TCP
Sun Sep 21, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Still a Good Investment?
Replies: 31
Views: 3490

Re: Identity theft protection

Frequently when you go to open a new account, the first thing they do is check your credit history (checking/savings accounts, credit cards, etc). If you have a freeze they will ask you to unlock it so they can run the check. At that point, only you can unfreeze it. A thief would not have your code ...
by Rob5TCP
Sun Sep 21, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Identity theft protection
Replies: 9
Views: 679

Re: Total bond index or 5 yr CD?

To me I want my risk on the equity side. I can get 3.04% on a 7 year (which I can ADD to during the course of the CD) - this one does have a 2 year early withdrawal penalty so i will be adding most funds in future years. The other has a 2.30% with a 6 month early withdrawal penalty. I consider this ...
by Rob5TCP
Sun Sep 21, 2014 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Total bond index or 5 yr CD?
Replies: 36
Views: 2777

Re: Florida prepaid college plan. Dumb or undumb?

Wow - I knew the return was good, but I didn't realize how good I did this for my nephew was he was 2 (he is now 21). It was about 6500. The bad news, he isn't interested in college, so I switched it to my niece. IF she goes; this will have been the best investment I have ever made. Not even sure wh...
by Rob5TCP
Fri Sep 19, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Florida prepaid college plan. Dumb or undumb?
Replies: 14
Views: 1107

Re: Any success stories of ppl who never made >$50,000?

I lived very frugally until I moved into Manhattan. Basically I spent $10,000-$20,000 a year. Now parking and rent exceed that. Before I moved here, I made way less than 50k, and saved 25-40% per year. By the time I came into the city I had about 500k in my retirement and savings account. The last 1...
by Rob5TCP
Wed Sep 17, 2014 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10004

Re: LASTPASS Password Program

My concern with LastPass was if they get hacked - can ALL my critical passwords now be compromised. I use very complex passwords (which I keep on a locked file on my computer. I use 2FA whenever possible. LastPass would be great if it REALLY is completely or almost completely secure. Rob -- LastPas...
by Rob5TCP
Wed Sep 17, 2014 10:48 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 11
Views: 1179

Re: LASTPASS Password Program

My concern with LastPass was if they get hacked - can ALL my critical passwords now be compromised.
I use very complex passwords (which I keep on a locked file on my computer. I use 2FA whenever possible.
LastPass would be great if it REALLY is completely or almost completely secure.
by Rob5TCP
Wed Sep 17, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 11
Views: 1179

Re: BEWARE - Phony IRS call from 202-750-1631

I have one phone line that for some reason get tons of these calls. If I am bored I string them along (Microsoft support, lowering my mortgage, make money from home, and so on). Check with http://www.800notes.com before you respond. There are 1000's of these robocallers making millions of calls per ...
by Rob5TCP
Mon Sep 15, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: BEWARE - Phony IRS call from 202-750-1631
Replies: 16
Views: 1723

Re: Importing business for poly bags

One other thought. You could sell to manufacturers, distributors, etc. or if your price/quality is good enough sell to the people that sell to manufacturers and distributors. Those that currently import their bags now, can you undercut or best the service they are now getting? If it's your family yo...
by Rob5TCP
Sun Sep 14, 2014 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Importing business for poly bags
Replies: 5
Views: 732

Re: Importing business for poly bags

There are many considerations. Do you want to be a specialist - covering only a small niche. Are you looking to cover a large market, with many different sizes, thicknesses, etc. The web for advertising is hard because plastics is too general a classification (again unless you have a specific niche)...
by Rob5TCP
Sun Sep 14, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Importing business for poly bags
Replies: 5
Views: 732

Re: Importing business for poly bags

I had a client (who was quite crooked) that was a bag importer. I setup the software inventory/billing. Some of the issues; (I have no problems giving any secrets away since they screwed me). Inventory - do you have a specific niche you are going after or will you be carrying all sorts of "gene...
by Rob5TCP
Sat Sep 13, 2014 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Importing business for poly bags
Replies: 5
Views: 732

Re: Is my computer monitor going bad?

If you have a light weight monitor - bring it to a friend's house to try when they first boot up their computer.
Could be monitor (most probably) - could be video card.
by Rob5TCP
Sat Sep 13, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Is my computer monitor going bad?
Replies: 12
Views: 747

Re: low expense mobile phone?

I have been using Virgin Mobile. Not the cheapest, but fairly low cost. $35 per month for (4G/3G) up to 2.5GB 4G though many times it resorts to 3G. Unlimited domestic texting and 300 minutes. The selection of phones is pretty good; I selected the LG Volt. Voice quality is just ok; but I mainly use ...
by Rob5TCP
Sat Sep 13, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: low expense mobile phone?
Replies: 16
Views: 1445

Re: Personal Liability Insurance

You really do need to check. I know my umbrella policy does not cover anything work related.
by Rob5TCP
Fri Sep 12, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal Liability Insurance
Replies: 7
Views: 644

Re: FIOS

I have FIOS and I am quite satisfied. However, RCN has made me an offer that would be $500-$600 less per year. I have checked with several neighbors that have RCN and they seem reasonably satisfied. I checked download speeds and they were only slightly slower than mine (several checks during differe...
by Rob5TCP
Thu Sep 11, 2014 11:42 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 28
Views: 2139

Re: Should I break my CD at Ally and get a new one's ?

When I looked at increase of Ally rate, I thought its a no-brainier to break and re-invest in new CD. I thought I'll run thru Boglehead forum just in case and I'm glad I did. It did give me a different prospective on looking at things. 20 bp, 150 days of EWP, look at alternative, locking for additi...
by Rob5TCP
Thu Sep 11, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I break my CD at Ally and get a new one's ?
Replies: 14
Views: 1839

Re: Should I break my CD at Ally and get a new one's ?

I second what the @Kenyan wrote. You go from 60 days to 150 day withdrawal penalty. And you are gaining very little for this. Think of your current CD's as the minimum you will make over the next few years. If rates do go up substantially, you will only incur a .25% or so penalty for withdrawal. Thi...
by Rob5TCP
Thu Sep 11, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I break my CD at Ally and get a new one's ?
Replies: 14
Views: 1839

Re: It appears that Ally Bank just increased their Savings R

They went up more on their 5 year CD's from 1.6% to 2.0% (this is the highest it's been in several years). At least it's going in the right direction.
I watched Ally's monthly drop in interest rate almost month by month for quite awhile. The change is nice (although small so far).
by Rob5TCP
Wed Sep 10, 2014 9:48 am
 
Forum: Investing - Theory, News & General
Topic: It appears that Ally Bank just increased their Savings Rate.
Replies: 11
Views: 2412

Re: Anyone moved from NY?

Grew up right across the street from Adelphi University (my playground as a kid). I left in the mid 80's when my parents retired. I stayed a couple of more years in a shared house with friends, but left with no regrets. Long Island never held much attraction for me. Yes, it was close to NY, but I go...
by Rob5TCP
Wed Sep 10, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: Anyone moved from NY?
Replies: 43
Views: 2930

Re: The Bogleheads Blog has Moved

We have a blog - who knew ?
by Rob5TCP
Tue Sep 09, 2014 11:45 am
 
Forum: Local Chapters and Bogleheads Community
Topic: The Bogleheads Blog has Moved
Replies: 7
Views: 1408

Re: What's the worst "too-good-to-be-true" to happen to you?

A "friend" of mine that I knew for close to 10 years went to work for a company (I believe was called Individual securities or something like that.). He was in investments and I was just getting into this. He had a great stock, a silver mine with a great ratio of some kind. I checked with ...
by Rob5TCP
Mon Sep 08, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: What's the worst "too-good-to-be-true" to happen to you?
Replies: 23
Views: 2845

Re: The Great Courses.com

I have downloaded several of their video courses. Since I am mostly interested in physics and other sciences, I need the video. My favorite have been by Dr. Neil DeGasse Tyson on black holes and other cosmological phenomena. I have found other sources, but I still consider this an excellent resource...
by Rob5TCP
Sun Sep 07, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: The Great Courses.com
Replies: 23
Views: 2225

Re: Where is Zvi Bodie?

Checked him on Twitter - same thing. 1760 tweets; very active until Sept, 2013
by Rob5TCP
Sat Sep 06, 2014 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Where is Zvi Bodie?
Replies: 4
Views: 1206

Re: Technologist to IT Sales Transition

I went through the exact reverse transition. I started in sales, working for a small company providing "complete solutions". Basically the sales manager assisted in closing sales ,but would lie through his teeth to make the sale. I would then be stuck trying to get technical to make this f...
by Rob5TCP
Fri Sep 05, 2014 11:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Technologist to IT Sales Transition
Replies: 14
Views: 849

Re: POLL: What was the first stock you ever bought?

I was a kid (10 or so) when my father decided to explain stocks and finance to me (on a kid's level). He had been investing for years through a neighbor who was a stock broker. Well I learned to understand the stock page somewhat and followed the small cheap stocks. Then I saw one stock with some de...
by Rob5TCP
Fri Sep 05, 2014 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2860

Re: Warning level

I have had two warnings in 5 years and my warning level says 1
I am guessing that is the lowest level.
Beyond that, I never even noticed that before
by Rob5TCP
Fri Sep 05, 2014 9:27 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2312

Re: Health Savings Account (HSA)

I went to an HSA because Oxford was over 1k per month. my deductible was 6k; but the plan cost less than $300 per month.
This calculator may prove useful. It is from hsa.com so check the numbers to ensure there is no bias.

http://www.hsacenter.com/plan-compariso ... lator.html
by Rob5TCP
Wed Sep 03, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account (HSA)
Replies: 2
Views: 349

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: 1508

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: 105
Views: 4480

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 Consumer Issues
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 23
Views: 3781

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 Consumer Issues
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 23
Views: 3781

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 Consumer Issues
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 23
Views: 3781
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