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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: 1005

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: 9664

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: 1137

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: 1137

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: 1688

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: 725

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: 725

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: 725

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: 686

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: 1349

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: 532

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: 27
Views: 1874

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: 1811

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: 1811

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: 2405

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: 2797

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: 1381

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: 2831

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: 2206

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: 1204

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: 848

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: 2754

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: 2265

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: 348

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: 1500

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: 4376

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: 3715

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: 3715

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: 3715

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: 2056

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: 2056

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: 2056

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: 660

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: 143
Views: 10893

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: 72
Views: 7279

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: 575

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: 2449

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: 28
Views: 2538

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: 331

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: 331

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: 331

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: 1224

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: 937

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: 1582

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: 1080

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: 1266

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: 2345

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: 6149

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: 220
Views: 17291
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