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Re: What's your average ER?

I thought my exp ratios were low - everywhere but here they would be considered close to rock bottom.
MY current is .19% which is down almost a full % point from what it was 10 years ago (Janus and Fidelity). Even 5 years ago I was closer to .45/.4
by Rob5TCP
Sun Mar 01, 2015 9:43 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 100
Views: 4431

Re: Favorite chocolate candy

Jacques Torres is my favorite high end chocolate; their dark chocolate with praline or liquor combinations are incredible. They used to be produced about 1 miles from where I live; but no longer produce it there.

http://www.mrchocolate.com/dark-chocolate-1.html
by Rob5TCP
Sun Mar 01, 2015 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 40
Views: 2404

Re: "2015 Annual Letter by Scott Burns and Kennon Grose"

Always a good lesson Taylor - thank you

Below is a link to the investment returns by class over 10 years -- in periodic table format
notice how REITS were top 4 years and near the bottom 4 years

http://seekingalpha.com/article/1928381 ... 04-to-2013
by Rob5TCP
Sat Feb 28, 2015 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: "2015 Annual Letter by Scott Burns and Kennon Grose"
Replies: 8
Views: 1147

Re: Should you tip when picking up takeout food?

I have several restaurants as clients, so I know what they make (at least in NYC). The waiters do OK because of tips (general $13/$14- up to $30+ per hour) depending on shift seniority. Kitchen staff share a % of the tip plus they get minimum wage. The delivery guys fare OK. Those that handle the ta...
by Rob5TCP
Fri Feb 27, 2015 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Should you tip when picking up takeout food?
Replies: 54
Views: 3750

Re: Help! I can't afford to eat on my South Beach vacation

Here is the Yelp connection for reasonable places on/near South Beach I forget where I ate in December when were by South Beach. It was moderate for lunch (about $20 per person) dinner we had pizza. http://www.yelp.com/search?find_desc=Restaurants&find_loc=New+York%2C+NY&ns=1#find_loc=South+...
by Rob5TCP
Mon Feb 23, 2015 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 4921

Re: help me speed up my computer

A quick test to see if your computer is slow: go to start - computer - system properties - it will give a rating in the middle that will give you a GENERAL idea of the speed of your machine click on windows experience index you should be anywhere from 5 to as high as 8; depending on the speed of yo...
by Rob5TCP
Sun Feb 22, 2015 4:48 pm
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3506

Re: help me speed up my computer

A quick test to see if your computer is slow: go to start - computer - system properties - it will give a rating in the middle that will give you a GENERAL idea of the speed of your machine click on windows experience index you should be anywhere from 5 to as high as 8; depending on the speed of you...
by Rob5TCP
Sun Feb 22, 2015 10:52 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3506

Re: Tobyhanna (Valor)-did they change conditions of 7 year C

If that holds, it really is good news. I will move my CD over in August; now that there will be no 3% charge.
Thanks for the post.
by Rob5TCP
Wed Feb 18, 2015 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: Tobyhanna (Valor)-did they change conditions of 7 year CD?
Replies: 11
Views: 979

Re: Anyone know a source showing avg. real wage in 70's vs t

This is a somewhat different figure that I found
I could find no real wage with history only a year at a time
this is per capita over the years.
http://www.census.gov/hhes/www/income/d ... /p01AR.xls
by Rob5TCP
Wed Feb 18, 2015 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone know a source showing avg. real wage in 70's vs today
Replies: 19
Views: 1928

Re: Anyone know a source showing avg. real wage in 70's vs t

From the SSA the average wage over the past 60 years

http://www.ssa.gov/OACT/COLA/AWI.html
http://www.ssa.gov/OACT/COLA/awiseries.html

I don't know if they are using actual average or median.
by Rob5TCP
Wed Feb 18, 2015 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone know a source showing avg. real wage in 70's vs today
Replies: 19
Views: 1928

Re: Tobyhanna (Valor)-did they change conditions of 7 year C

This is disturbing and does negate one of the main advantages of this account. Also, my opinion of Valor has dropped several notches after this. I have a major CD maturing in August that I was going to transfer (6 figure). Unfortunately with the surcharge I will evaluate all options. One I am consid...
by Rob5TCP
Tue Feb 17, 2015 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Tobyhanna (Valor)-did they change conditions of 7 year CD?
Replies: 11
Views: 979

Re: Unexpected Lay-off; Not quite ready to retire; Please He

A number of suggestions: If you have an HR department be prepared to negotiate a separation agreement. If it's a large enough firm try to find out what other people in similar situations have negotiated. What sort of reference and reason for termination will be given (department downsized or elimina...
by Rob5TCP
Fri Feb 13, 2015 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unexpected Lay-off; Not quite ready to retire; Please Help?
Replies: 20
Views: 3823

Re: I-Bonds or 2.25% APY 5YR CD

The most important yield is the fixed one on IBonds. Is it likely that I Bonds will go to positive yields in November. Possible, but not probable. At worst, you have a fairly "reasonable" put option on both. As you mention, the bank is 6 months and the I Bond is 3 months. If interest rates...
by Rob5TCP
Wed Feb 11, 2015 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds or 2.25% APY 5YR CD
Replies: 3
Views: 643

Re: DH and I are buying bicycles

70 Miles - how often have you ridden lately. What shape are you in; how old are you? Try renting a bike for a 10-15 mile cruise and see how you feel. IF ok, rent a somewhat better bike and go for 25 miles or so. What type of terrain will you be biking on (off road, paved, flat, mountainous) All thes...
by Rob5TCP
Mon Feb 09, 2015 4:32 pm
 
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1591

Re: iPhone radiation levels

There is no known safe level - at best they are a guess on exposure to rats.
Only with time and "definitive" correlative studies will we have any real knowledge
of what is and isn't a safe level.
by Rob5TCP
Sun Feb 08, 2015 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2361

Re: iPhone radiation levels

It takes a ton of googgling to find the SAR sometimes. I now use my phone about 25% of the time.
I used to. When I do, as i said it's on speaker for the most part.

I am debating whether having a bluetooth on my ear 10 hours a day would make it better or worse?
by Rob5TCP
Sun Feb 08, 2015 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2361

Re: iPhone radiation levels

While studies tended to show negative correlation, a few did show positive. Because of the delay in onset of symptoms, it could be many years before they show up. One long term study did show positive correlation, but because of the small number of subjects in needs follow up. I use phones with as l...
by Rob5TCP
Sun Feb 08, 2015 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2361

Re: CD + Withdrawl Penalty vs High Interest Savings

Read Ken's blog about the possible dangers relying on EWP being changed mid stream. While VERY unlikely it has happened. Also change in early withdrawals (not being allowed). Below is a calculator of various accounts and what your net yield would be with the EWP https://www.depositaccounts.com/tools...
by Rob5TCP
Sun Feb 08, 2015 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD + Withdrawl Penalty vs High Interest Savings
Replies: 12
Views: 972

Re: Cheap web hosting

Godaddy was one of the earliest discounters for hosting and web domain registration http://www.godaddy.com
I stuck with it; though I am not crazy about them.
I have a couple of friends using oneandone
http://www.1and1.com/
by Rob5TCP
Sat Feb 07, 2015 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Cheap web hosting
Replies: 15
Views: 1001

Re: Alternatives to Radio Shack?

Radio Shack was THE place to go for me for all sorts of things. Client needed a cable right away, R.S. alway had it. As mentioned, odd batteries. In the 1990's they were fairly good for needed computer parts as well. The last 5 years, I think I have been there once or twice. For cables i bought a bu...
by Rob5TCP
Thu Feb 05, 2015 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Alternatives to Radio Shack?
Replies: 47
Views: 2839

Re: Paying for credit reports?

I receive a free credit report once a year from https://www.annualcreditreport.com/index.action However, I do pay FICO once or twice a year and vary which credit SCORE I want. I know I could sign for free score, but I am leery of still another site having all my information. I believe they will be o...
by Rob5TCP
Thu Feb 05, 2015 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for credit reports?
Replies: 13
Views: 456

Re: Looking for a DSLR that will allow me to get fairly seri

I have used the Canon S100 series for a number of years and it has been quite satisfactory. In 1-2 years, I plan to take an African safari and want more versatility. I did look at DSLR, mirror-less, and the one I am focusing on now (primarily due to some reviews and the video mentioned earlier is th...
by Rob5TCP
Thu Feb 05, 2015 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a DSLR that will allow me to get fairly serious.
Replies: 118
Views: 6314

Re: POLL: Do you personally own a cell phone?

Who doesn't own a cell phone today. Though looking at the totals 16% have no cellphone.
That is quite the anomaly.
by Rob5TCP
Tue Feb 03, 2015 11:07 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 92
Views: 6164

Re: Met a Vanguard basher TransAmerica Insurance pusher

From: Mountainman99 Rich don't suffer during recessions because they are smart enough to have people managing their finances who move their money from funds to cash in such circumstances Actually the rich, percentage wise, incurred the biggest losses. Many lost a huge % of their net worth. But if y...
by Rob5TCP
Mon Feb 02, 2015 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Met a Vanguard basher TransAmerica Insurance pusher
Replies: 41
Views: 4660

Re: What age did you become financially independent of paren

I was 32 and starting a business. My folks helped for awhile there; does that count?
Otherwise 2 years out of grad school which was 25 or so.

PS I paid them back in 6 months rather than the five years we agreed to.
by Rob5TCP
Sat Jan 31, 2015 10:45 pm
 
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 4648

Re: Disputing A Fraudulent Credit Card Charge

I've had 4 fraudulent claims in the past 2 years. The last one was Nutri System. Nutri System provided "evidence" that I ordered it (which of course I didn't) I sent a formal dispute to the charge. I asked them for the delivery address and they wouldn't give it other than to say it was in ...
by Rob5TCP
Fri Jan 30, 2015 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Disputing A Fraudulent Credit Card Charge
Replies: 18
Views: 1199

Re: Income on credit card application for high assets/low in

The last two credit cards I received, both were given from my credit reports. I don't recall ever being asked income (or proof of stated income). I know my credit scores are very high, so I assumed that's all they used (unless they have access to my income as well). I do remember my Mother being tur...
by Rob5TCP
Thu Jan 29, 2015 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Income on credit card application for high assets/low income
Replies: 21
Views: 925

Re: Income on credit card application for high assets/low in

Your credit LIMIT should be based on your income. Whether you receive a card or not is primarily (I would imagine) based on your credit score. If you have a 750-800 credit score you should get a card. Your income might keep your credit limit down. If you pull out $25,000 a year (regardless of whethe...
by Rob5TCP
Thu Jan 29, 2015 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Income on credit card application for high assets/low income
Replies: 21
Views: 925

Re: What age did you move out?

Left for college at 17; but spent summers and holidays at home. Didn't fully move out until after grad school; when I was almost 25. Would have stayed longer if folks didn't decide to "dump me" for Florida. The place I moved to after leaving home was shared with 6 guys with 4 bedrooms (I h...
by Rob5TCP
Wed Jan 28, 2015 9:56 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5148

Re: What mutual fund companies do you use?

I started investing with Janus. After the 2000 crash I switched to Fidelity active funds.
About 2-3 year later began the gradual move to Vanguard. No I have all my equities at Vanguard
(though I have 2 non-Vanguard funds - a small portion of my equity portfolio).
by Rob5TCP
Tue Jan 27, 2015 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 3169

Re: wife's purse

I buy my gf at least on Coach bag a year, mostly from the outlets. While nice, the outlet bags are for the most part made for the Outlets. I bought one in the Key West outlet for $135 that had a 50%/50% listing. There is no way that sold for $540 and when I inquired she told me the same. That origin...
by Rob5TCP
Mon Jan 26, 2015 8:13 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 44
Views: 4008

Re: Advice on Brokerage CDs?

If you are sure you won't need the money for 5 years brokered CD's are fine. If and only if you need the money earlier they would have to be sold on the secondary market and they would pay whatever the market would pay. With a bank CD, you would pay and EWP charge - which could anywhere from 6 month...
by Rob5TCP
Sat Jan 24, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Brokerage CDs?
Replies: 25
Views: 999

Re: Would you use MaskMe?

Many years ago American Express offered this. Unfortunately, as it really became needed, they dropped it. I use PayPal whenever I am given the option. I hate all the sites that I have to give my real c.c. #. I've had 4 card numbers stolen within the past two years. If this site turns out to be legit...
by Rob5TCP
Thu Jan 22, 2015 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use MaskMe?
Replies: 12
Views: 1610

Re: Switching from Vonage to Ooma Phone Service

I have Vonage and was looking to switch to Ooma. When I called about my service, they offered me a preferred rate. I have been with Vonage for 7-8 years and my total now is about $16 with taxes. It's not worth switching; I do use many of Vonage's other services, plus I like the ease of getting live ...
by Rob5TCP
Tue Jan 20, 2015 10:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching from Vonage to Ooma Phone Service
Replies: 16
Views: 1073

Re: Microsoft Money Plus Sunset

I have used the sunset edition since I gave up using Quicken (awful for an investment portfolio). I've been with MS Money for many years when they discontinued support and mistakenly switched to Quicken. After 3 months I went back to the MS Money and found the newer sunset edition. While it doesn't ...
by Rob5TCP
Tue Jan 20, 2015 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Microsoft Money Plus Sunset
Replies: 12
Views: 1366

Re: Valuation of I Bonds

I don't know of an easy formula to compare the two - savings bond advisor has a sheet comparing the differences between the rates of 10 year TIPS and IBonds over the past 11 years http://savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/ The differences were as high as 244 basis points...
by Rob5TCP
Fri Jan 16, 2015 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Valuation of I Bonds
Replies: 29
Views: 3044

Re: Trip to Churchill to See the Polar Bears

Here is a page giving prices for various tours to Churchill. Most leave from Winnipeg. http://www.wildlifeadventures.com/nature-tour/north-america/polar-bears-of-churchill.html Here is the most economical one from this group -- 2 days on the Tundra Buggy and one night in Churchill for $2,500.00 http...
by Rob5TCP
Thu Jan 15, 2015 10:56 am
 
Forum: Personal Consumer Issues
Topic: Trip to Churchill to See the Polar Bears
Replies: 6
Views: 1002

Re: 3%, 10-year CD bought today

You have no ewp on a brokered Cd. However, you sell it for whatever the secondary market will pay.
Since it is pretty thinly traded, it probably is not a great idea (unless you sell when interest rates
go down).
by Rob5TCP
Wed Jan 14, 2015 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: 3%, 10-year CD bought today
Replies: 35
Views: 3418

Re: Trip to Churchill to See the Polar Bears

We did not make the trip after investigating for quite a number of weeks. She is in Edmonton, so we were going to go to Churchill instead of Banff/Lake Louise, which we had done twice before. She was not as keen as I, and the cost for 2-3 days seemed excessive unless we were both onboard. I loved th...
by Rob5TCP
Wed Jan 14, 2015 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Trip to Churchill to See the Polar Bears
Replies: 6
Views: 1002

Re: Bought more REITs today

I sold some of my REITS because they exceeded my % range in my investments. I also sold some of my Vanguard Health Care. To bring my %'s in line, I bought Int Index, Foreign REITS, and Vanguard Energy. Though I have been buying the international index for years and it's been consistently below domes...
by Rob5TCP
Tue Jan 13, 2015 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought more REITs today
Replies: 48
Views: 4676

Re: Time to redeem Ibonds and EE bonds?

If you bought IBonds 10+ years ago - some may have a yield that is no longer available and should probably not be cashed. Current IBonds pay 0.0% to .2% over inflation. Ten+ years ago they paid 2+ all the way up to 3.6% above inflation. These rates have more than 15 years to go. I would hesitate to ...
by Rob5TCP
Tue Jan 13, 2015 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Time to redeem Ibonds and EE bonds?
Replies: 11
Views: 1479

Re: Need help informing my father he is making a mistake

What about breaching the idea of a test: maybe 1/2 his money with ML; and the other 1/2 with Van and annually look at the differences in balance. At the very least - setup a benchmark to compare what he real life returns in the next year are to that benchmark and maybe have that test show before/aft...
by Rob5TCP
Mon Jan 12, 2015 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help informing my father he is making a mistake
Replies: 58
Views: 4949

Re: Poll - How much is enough / what's your number?

Since I am getting nearer to the 60 mark; $1-2 (closer to $2) should do it.
I will work part time when I retire, just keeping the clients I choose.

If I were 18/19 my number would be closer to 3-5.
by Rob5TCP
Mon Jan 12, 2015 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 7810

Re: Recommendations for Family Trip to San Diego

Wild Animal Park (Safari Park) I second the Wild Animal Park. Even better than the more famous zoo. Add a third vote - we went Oct 2013 (after being shut out of Zion NP because of the shutdown, we switched to Southern CAL) that was a highlight of our trip. We took the "safari" that was ab...
by Rob5TCP
Mon Jan 12, 2015 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations for Family Trip to San Diego
Replies: 16
Views: 1428

Re: Any art "investors" here?

I have a friend with a great eye for frames. I used to have it framed for me. Since almost all of the photos I buy are matted (the signatures are usually on the mat) I buy just the frame or I may double mount it. The savings by framing myself vary between 40-75%. Here is my source for frames. They a...
by Rob5TCP
Sun Jan 11, 2015 9:58 am
 
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 69
Views: 6026

Re: Any art "investors" here?

My art is insured with a general rider. Certain photographs are higher value and require a rider for each. I keep those in insured storage
(and have a "lesser" copy at home).
by Rob5TCP
Fri Jan 09, 2015 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 69
Views: 6026

Re: Any art "investors" here?

I have been collecting photographs (and photogravures) for over 25 years. Mostly I bought at auction. I attended auctions for a year before I bought my first (and quite nervously bidding). Most of the items I bid on have increased in value enormously over the years, Back then you could buy an Ansel ...
by Rob5TCP
Fri Jan 09, 2015 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 69
Views: 6026

Re: Should We Stay Or Should We Go?

Look ahead 5 years and see where you would rather be. Is your old neighborhood stable or one in transition. If in transition, is it going in a positive or negative direction. If you have kids, where would you feel safer for them walking home after dark? How do the schools compare? It's not what you ...
by Rob5TCP
Fri Jan 09, 2015 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Should We Stay Or Should We Go?
Replies: 33
Views: 4113

Re: FIGY - is it as dangerous as it sounds?

It's rather speculative. It's not something you would want as a core holding. Maybe a small percentage, if that. The range of 83-134 over a period of a little over 1 year, is wild for a bond fund (June, 2013 to July, 2014). I am not sure what purpose this fund would serve on a balanced, diversified ...
by Rob5TCP
Thu Jan 08, 2015 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: FIGY - is it as dangerous as it sounds?
Replies: 1
Views: 609

Tobyhanna Credit Union 3.04% 7 year is gone

Their best CD now is 60 month 1.85% APY
3% is becoming harder to find.
The beauty of that one is it allowed you to add in the future.
The downside was the 2 year EWP.
by Rob5TCP
Thu Jan 08, 2015 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Tobyhanna Credit Union 3.04% 7 year is gone
Replies: 0
Views: 307
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