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Re: How do you store your photos?

When Mom died a couple of years ago we found boxes of old photos (I never knew she had). We did almost a triage. There were photos that no one knew, parents, cousins, grandparents, Aunts, Uncles, etc. We first divided into stacks. The top ones were ones I spent (sometimes hours on one photo) cleanin...
by Rob5TCP
Sun Mar 29, 2015 9:17 am
 
Forum: Personal Consumer Issues
Topic: How to store/archive old photos?
Replies: 29
Views: 2398

Re: What is the best way to help my Mom?

We would have a better handle if we knew her monthly income/expenses
plus retirement assets.
by Rob5TCP
Sun Mar 22, 2015 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best way to help my Mom?
Replies: 5
Views: 636

Re: Anyone concerned about their bond holdings?

I choose to take my risks on the equity side. I have mostly CD's yielding 2.5%/3.0%, with a fair amount of old I Bonds.
Since the CD's have a reasonable EWP, my downside is minimal.
by Rob5TCP
Sun Mar 22, 2015 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5650

Re: External Hard Drive?

2. Flash Drives: Flash drives are about .50 a GB on sale (IE 16GB flash drive can be found for $8). The flash drives are not nearly as stable as the regular ext. hard drives. I've gone through 5 flash drives in two years, but I have the same external hard drives that I bought 3 and 5 years ago (plu...
by Rob5TCP
Sun Mar 22, 2015 1:58 pm
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2316

Re: External Hard Drive?

Backups are critical for me. 1. External Hard Drive: Twice a week I alternate two external hard drives (750GB and 2TB). Both today are under $100 each (WD is 2TB, 750GB is Seagate). 2TB is USB3 which makes a noticeable difference in speed. As @KillJoy mentions, I disconnect the drives when I am not ...
by Rob5TCP
Sun Mar 22, 2015 11:58 am
 
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 2316

Re: Restaurant tipping

A number of restaurants run on my payroll software so i am quite familiar with that aspect in NYC. They are paid $5+ per hour, with the balance from tips. If they make less than minimum, with tips, it's supposed to be made up by the restaurant. I generally tip 15% for mediocre service, up to 22% for...
by Rob5TCP
Sat Mar 21, 2015 11:32 am
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 11447

Re: Which credit union are you a member of?

Pentagon Federal
Valor (formerly Tobyhanna)
Melrose
Montauk
by Rob5TCP
Fri Mar 20, 2015 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 4634

Re: 3% CD FDIC - Wells Fargo

if rates rise it won't be called and you will have it for quite awhile. If rates should go lower or stay the same, they will probably call it. You lose if rates should sink (they call it) and you lose if rates go through the roof (you are stuck with it). Only the last few years are really impressive...
by Rob5TCP
Fri Mar 20, 2015 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: Step callable long term CD for fixed income- pros & cons?
Replies: 17
Views: 926

Re: Driving from NYC to Seattle, Must See places?

I did three cross country trips after college and wish I spent 3 times as long going across. If deviations from your schedule are possible: 1. Yellowstone -- one of the most incredible parks (next to Yosemite, perhaps my favorite) 1a. Grand Tetons are right near Yellowstone 2. Zion/Bryce in Utah as ...
by Rob5TCP
Fri Mar 20, 2015 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Driving from NYC to Seattle, Must See places?
Replies: 12
Views: 1100

Re: Best home internet plan for New York City

What part of Manhattan does she live in? FIOS covers most of Manhattan, but there are some pockets it hasn't hit. Check out RCN.COM. I have used them and they are pretty good. If Verizon didn't give me a better rate, I was jumping to RCN (and they also cover much of Manhattan as well). It's not jus...
by Rob5TCP
Thu Mar 19, 2015 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Best home internet plan for New York City
Replies: 8
Views: 831

Re: Best home internet plan for New York City

I'm trying to convince my friend to cut the TV cable cord. When I looked up Verizon service for her address the only thing I could come up with was pathetic...1-3Mbps. It did not list FIOS capability. And Comcast is also not available here. I was astounded....after all, she lives in Manhattan- I fi...
by Rob5TCP
Thu Mar 19, 2015 11:46 am
 
Forum: Personal Consumer Issues
Topic: Best home internet plan for New York City
Replies: 8
Views: 831

Re: Best home internet plan for New York City

Fios has specials - such as 25Mbps internet; 300 regular and 75-100 HD TV stations, plus unlimited local phone, national and Canada about $85 per month. Add on the whores "taxes" that Verizon charges and it's closer to $115.00 Plus they frequently add a $200 or $300 rebate credit card. RCN...
by Rob5TCP
Wed Mar 18, 2015 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Best home internet plan for New York City
Replies: 8
Views: 831

Re: What internet speed is fast enough?

I have FIOS for about 5 years now. They increased my speed from 15/5 to 25/25 (which actually tested at 30/30) I've noticed no difference in the speed since the upgrade. The matching upload speed is heavily advertised but it's mostly b.s. 95%-98% of my load is down (I check every few days). Don't th...
by Rob5TCP
Tue Mar 17, 2015 1:16 pm
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4413

Re: Another take on Vanguard questionnaire: NYTimes

When you making predictions 10, 20 even 40 years in advance, chaos theory really comes into play. Minor changes along the way can have major implications as time goes on. Monte Carlo simulations are probably the best method we have to get a range as well as probability of outcomes based on various s...
by Rob5TCP
Thu Mar 12, 2015 8:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Another take on Vanguard questionnaire: NYTimes
Replies: 42
Views: 3962

Re: BEWARE-Dell Computer Tech Service (India)

Dell Pro support is domestically based and is generally of a much higher caliber of technicians. This is their business support (though anyone can purchase pro support). I just went to Dell.com and selected a consumer-grade Inspiron laptop. I don't see the ability to choose Pro Support. I see it wi...
by Rob5TCP
Thu Mar 12, 2015 8:03 am
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3380

Re: BEWARE-Dell Computer Tech Service (India)

LLTF1836 wrote:Does anyone know in which country Dell tech support is based?


Regular Dell Support is based off shore; primarily India. Dell Pro support is domestically based and is
generally of a much higher caliber of technicians. This is their business support (though anyone can
purchase pro support).
by Rob5TCP
Wed Mar 11, 2015 2:59 pm
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3380

Re: BEWARE-Dell Computer Tech Service (India)

Instead of calling it "Dell tech service (India)" you could just call or Dell tech service. +1. It's very odd that OP is doing that. Let's give the benefit of the doubt that he means their outsourced support (which is Dell's regular) vs. Pro support (which is US based). I have to admit to...
by Rob5TCP
Wed Mar 11, 2015 9:25 am
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3380

Re: BEWARE-Dell Computer Tech Service (India)

I have avoided Dell's standard support like the plague.
However, I have found the domestic pro-support to be helpful and competent. Yes, it costs extra.
When I had a major project and had a system crash, pro-support found the issue (11:30 at night).
by Rob5TCP
Tue Mar 10, 2015 5:50 pm
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3380

Re: Poll: would-be semi-retirees, could you find part-time w

While I have seen some minor age discrimination; my particular niche means I should have little trouble when I decide to go part time. As i mentioned in an earlier post, legacy software gives me opportunities that don't exist in some other fields. And the paucity of support for that particular appli...
by Rob5TCP
Tue Mar 10, 2015 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: would-be semi-retirees, could you find part-time work?
Replies: 6
Views: 735

Re: Slate Article: Dream on Babyboomers-Semiretirement is a

There are two sides to this. A fair number (about 30%) of my clients are on legacy software with years of heavy modification. I can receive SS in about 5 years, but will continue working because I choose to. The number of people capable of supporting this legacy program has dropped dramatically fast...
by Rob5TCP
Tue Mar 10, 2015 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Slate Article: Dream on Babyboomers-Semiretirement is a Myth
Replies: 20
Views: 2890

Re: Just cut my cable bill...

Dropped Verizon Wireless for Virgin Mobile. Phone service is not nearly as good, however 90% of what i use the smartphone for is texting, email, and internet (mostly wifi). My bill dropped from around $100 per month down to $38 per month. I still use Verizon for internet/phone/TV because the first t...
by Rob5TCP
Sun Mar 08, 2015 9:49 am
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5390

Re: How Many Credit Cards Do You Actually Use?

I use 3 cards regularly:
Capital One - 2% back on everything, but can only be used on travel
Barclay - 2% on groceries/utilities, 1% on everything else.

Semi regularly
Costco Amex
by Rob5TCP
Sat Mar 07, 2015 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Actually Use?
Replies: 67
Views: 4465

Re: CD's for Short-term savings

I like the option of a relatively cheap "put" of 5 months. For my own savings, I am dividing into long term at 3.04% (Valor - no longer available but you can add); and Ally in case of rapid interest rate increases. There is a caveat: a small number of banks have drastically changed the EWP...
by Rob5TCP
Fri Mar 06, 2015 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD's for Short-term savings
Replies: 6
Views: 670

Re: Tourists in Manhattan

First I would stay in the city. If your tired for a bit, you can run to the hotel, relax and then go out again. If you in NJ or Westchester, you would not have that same options. AS for resturants, there are 15,000+ in NYC What type of food; what price range; there are great restaurants in all price...
by Rob5TCP
Wed Mar 04, 2015 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4495

Re: What is your credit score?

It varies from 783 to 802 (depending on the service). I would assume MOST Bogleheads (especially over 50) would tend to have much higher
than average credit scores.
by Rob5TCP
Wed Mar 04, 2015 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 63
Views: 4530

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: 123
Views: 7143

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: 51
Views: 3520

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: 1195

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: 3880

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: 5131

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: 3776

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: 3776

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: 1015

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: 1999

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: 1999

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: 1015

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: 3893

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: 657

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: 1706

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: 2413

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: 2413

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: 2413

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: 981

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: 1026

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: 2963

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: 479

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: 6437

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: 6280

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: 4727

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: 4786
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