Search found 1693 matches

Return to advanced search

Re: Where would you retire, if $ were no object?

A small townhouse in Greenwhich Village, NY (about 30 blocks from here).
It probably costs as much as a huge mansion elsewhere. But the location on a quiet low rise street in the village, is unbeatable (for me).
by Rob5TCP
Wed Apr 23, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Where would you retire, if $ were no object?
Replies: 47
Views: 2105

Re: Housing in NYC area

Echoing what Livesoft said about ignoring the hype of prices going in one direction only. I can only speak of the MAJOR bust in NYC (Manhattan specifically). In hindsight it was a super time to buy and of course a lousy time to sell. My Tudor City studio (192 square feet) went co-op for $52,000 insi...
by Rob5TCP
Wed Apr 23, 2014 7:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Housing in NYC area
Replies: 11
Views: 859

Re: Frugality regret: What thing do you regret not spending

Your wife was building computers in 1984? How did she get into that? Wow! Her first build was an S-100 in 1978. The second was a reconstruction of a North star The third build was a CP-M system in 1982, which was the system I used to learn Wordstar. My father in law and Mother in law were both comp...
by Rob5TCP
Tue Apr 22, 2014 8:03 am
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 14310

Re: Frugality regret: What thing do you regret not spending

I collect photographs and one that I have wanted for years is the following: though the story about it is not quite the way it was presented, it's still a touching photo http://upload.wikimedia.org/wikipedia/en/c/c6/VishniacFlowers.jpg Twenty years ago I stopped bidding at $1800 (it went for $2,200 ...
by Rob5TCP
Mon Apr 21, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 14310

Re: Paranoia or just hard to adjust? [High Price of Real Est

Prices in the Fort Myers/Naples area (aside from right on the water) were among the worst hit when the housing crisis struck. I think parts of California, Las Vegas, and Phoenix were the only areas that were hit harder. I sold a 2 bed/2 bath condo about 10 minutes from the coast (still considered N...
by Rob5TCP
Mon Apr 21, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paranoia or just hard to adjust? [High Price of Real Estate]
Replies: 19
Views: 2021

Re: Paranoia or just hard to adjust? [High Price of Real Est

Prices in the Fort Myers/Naples area (aside from right on the water) were among the worst hit when the housing crisis struck. I think parts of California, Las Vegas, and Phoenix were the only areas that were hit harder. I sold a 2 bed/2 bath condo about 10 minutes from the coast (still considered Na...
by Rob5TCP
Mon Apr 21, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Paranoia or just hard to adjust? [High Price of Real Estate]
Replies: 19
Views: 2021

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: 2419

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: 23
Views: 1148

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: 3173

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: 677

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: 9239

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: 175
Views: 16489

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: 175
Views: 16489

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: 1481

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: 995

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: 734

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: 1343

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: 1082

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: 443

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: 443

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: 863

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: 2654

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: 783

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: 2004

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: 2004

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: 712

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: 1410

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: 916

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: 6358

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: 6358

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: 1034

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: 5452

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: 4931

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: 4931

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: 2979

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: 1871

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: 1585

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: 4579

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: 975

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: 975

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: 975

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: 4081

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: 361

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: 7560

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: 4081

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: 1050

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: 8388

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: 4308

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: 1041
Next

Return to advanced search