Search found 2365 matches

by Rob5TCP
Thu Feb 11, 2016 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Private Real Estate "Funds"
Replies: 19
Views: 937

Re: Private Real Estate "Funds"

More issues with private and non-traded REITS From FINRA http://www.finra.org/investors/alerts/public-non-traded-reits-careful-review From Forbes: http://www.forbes.com/sites/jakezamansky/2012/05/01/private-reits-backfire-on-investors/#22e26fbd75c3 From Seeking Alpha http://seekingalpha.com/article/...
by Rob5TCP
Tue Feb 09, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Plan on your Credit Card Getting Hacked once a year....Some Tips....
Replies: 66
Views: 3015

Re: Plan on your Credit Card Getting Hacked once a year....Some Tips....

Security measures: 1. scratched out the 3 digit code on the back of the card - so it can not be used online. You will remember the pin for this particular card or all? Interesting idea. I don't need to remember my pin(s). When I have the card with me, I don't need it. When I order online, it's usua...
by Rob5TCP
Tue Feb 09, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Plan on your Credit Card Getting Hacked once a year....Some Tips....
Replies: 66
Views: 3015

Re: Plan on your Credit Card Getting Hacked once a year....Some Tips....

My main c.c. with the 2% return was hacked 4x in a little over 2 years. I begged for a chip and got it (not sure if it was because of my begging); and have not been hacked since. Security measures: 1. scratched out the 3 digit code on the back of the card - so it can not be used online. As mentioned...
by Rob5TCP
Tue Feb 09, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 2801

Re: Planning a High-Value Wedding Regardless of Cost

Just on a side note --- the more expensive the wedding the higher the probability of divorce:

http://www.cnn.com/2014/10/13/living/we ... index.html
by Rob5TCP
Mon Feb 08, 2016 11:23 pm
Forum: Personal Consumer Issues
Topic: Bar/Bat Mitzvah gift question
Replies: 19
Views: 1048

Re: Bar/Bat Mitzvah gift question

Chai is a Jewish word for life. Adding up it's numerical value (not sure how that is done) comes to 18.
Because of that; it's traditional to give gifts, donations, etc in increments of $18
($36,/72/90/108...)
by Rob5TCP
Sat Feb 06, 2016 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Grandson working for me-Child labor law?
Replies: 35
Views: 1818

Re: Grandson working for me-Child labor law?

From legal zoom http://info.legalzoom.com/sole-proprietorship-employing-children-22758.html Excemptions From Child Labor Laws Federal child labor laws permit children under 14 years of age to work in family owned businesses, but prohibit them from working in manufacturing or hazardous jobs. States m...
by Rob5TCP
Fri Feb 05, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: New Money
Replies: 4
Views: 734

Re: New Money

We know little about you. How much of an appetite for risk do you have. The market can go up 50% or down 50%. What would you do with a 40-50% crash, hang on, buy more, or sell. First know your appetite for risk. Maybe review with your adviser - that's what your paying him the .3%. As for timing, we ...
by Rob5TCP
Tue Feb 02, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Friend is an Edward Jones financial advisor -- should I drop him?
Replies: 55
Views: 5708

Re: Friend is an Edward Jones financial advisor -- should I drop him?

This thread https://www.bogleheads.org/forum/viewtopic.php?f=1&t=180992&newpost=2783444#p2741878 has a link to this delightful little saga. This is my favorite - "The Edward Jones Saga" - :P http://www.kronstantinople.blogspot.com/p/edward-jones-saga.html The saga should answer yo...
by Rob5TCP
Tue Feb 02, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: Recent Vanguard Trouble
Replies: 49
Views: 6206

Re: Recent Vanguard Trouble

I skimmed this article quickly and though this happened to the poster. Then after calming down a bit- I read the article. As stated: with 20,000,000 accounts and figure 10 transactions a year (including interest postings, etc) that's 200,000,000. If they are 99.9999% accurate they will still have 2...
by Rob5TCP
Tue Feb 02, 2016 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Structured Products - Protected Principal. Is this a good investment ever?
Replies: 7
Views: 266

Re: Structured Products - Protected Principal. Is this a good investment ever?

Does anyone in Bogleheads have any experience with this type of product? As explained to me by a friend who is being offered this, he will allegedly be covered in a down market up to 10% loss and there is no cap on the upside in a good market. Up to a 10% loss? Not sure what the advantage is. Obvio...
by Rob5TCP
Tue Feb 02, 2016 8:11 am
Forum: Personal Consumer Issues
Topic: Recent Vanguard Trouble
Replies: 49
Views: 6206

Re: Recent Vanguard Trouble

I skimmed this article quickly and though this happened to the poster. Then after calming down a bit- I read the article. As stated: with 20,000,000 accounts and figure 10 transactions a year (including interest postings, etc) that's 200,000,000. If they are 99.9999% accurate they will still have 20...
by Rob5TCP
Mon Feb 01, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: which one is the best antivirus internet security
Replies: 11
Views: 1064

Re: which one is the best antivirus internet security

Kapersky, Avast, Norton, all have top ratings Below is a lab that tests anti virus performance: https://www.av-test.org/en/antivirus/home-windows/ However, no one product really does it all. At a minimum you should have a good anti virus scanner, plus Malwarebytes for regular (additional) scanning. ...
by Rob5TCP
Sun Jan 31, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: Buy a TV Warranty?
Replies: 32
Views: 1634

Re: Buy a TV Warranty?

Beware, many of the heavily discounted shops have gotchas. As mentioned earlier, they may not have an US Warranty (so called gray goods). Second, the low price may be a low-ball to get you to order. Then, they call you about a certain cable that is needed. Or an up-charge, to get a US warranty. Ther...
by Rob5TCP
Wed Jan 27, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: Stick Vacuum recommendations
Replies: 11
Views: 792

Re: Stick Vacuum recommendations

Look again at a cordless. The lithium batteries are great. My wife has this one and loves it. http://www.amazon.com/gp/product/B00LASI47W?psc=1&redirect=true&ref_=oh_aui_search_detailpage I think I'd prefer a corded since the closet that I'm going to store it doesn't have an outlet to charg...
by Rob5TCP
Wed Jan 27, 2016 9:16 am
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 52
Views: 6235

Re: Netflix increasing prices. Will you keep it?

Netflix is probably the best video value out there. Even Prime from Amazon (which I recently bought on a sale) doesn't come close to Netflix.
by Rob5TCP
Wed Jan 27, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: CD Maturing
Replies: 8
Views: 407

Re: CD Maturing

You cannot usually. This is a first for me and I have numerous CD's across a couple counties. . They told me about it when I opened the CD and I re-read the CD paperwork last night. It allows adding funds up to the maturity date. No mention of a limit on the amount added or the number of times fund...
by Rob5TCP
Wed Jan 27, 2016 8:23 am
Forum: Personal Consumer Issues
Topic: Stick Vacuum recommendations
Replies: 11
Views: 792

Re: Stick Vacuum recommendations

I never vacuum. However, when I was given the Hoover Linx, I find I actually use it. While not as powerful as a full sized vacuum; the one you use is the best one. When I have my place cleaned, the full sized Eureka is used. For regular vacuuming, I only use the Linx. With a full charge it's good fo...
by Rob5TCP
Tue Jan 26, 2016 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Should I leave Ameriprise?
Replies: 28
Views: 1705

Re: Should I leave Ameriprise?

You stated he is also a good friend. If you leave, you will find out if he really is a friend or not. Yes, I am cynical. But, it has been my experience from a couple of friend's experience when they left their "financial adviser". A $500 annual fee, PLUS high expense funds -- double dippin...
by Rob5TCP
Tue Jan 26, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA for s corp question
Replies: 10
Views: 485

Re: SEP IRA for s corp question

am wrote:My accountant said it should be in the s corps name. Could he be wrong?


I just checked my Vanguard SEP and it definitely is in my name. There is no reference to my S corp.
by Rob5TCP
Mon Jan 25, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: Trip to Oregon
Replies: 40
Views: 1952

Re: Trip to Oregon

One place that I found fascinating along the coast (Florence I think) was Sea Lion Caves - it's a natural grotto that you take to a view hundred's of Sea Lions. It's only about 30 minutes to an hour or so - but I thought it was a great stop. https://looky.files.wordpress.com/2008/05/sea-lion-caves-2...
by Rob5TCP
Mon Jan 25, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA for s corp question
Replies: 10
Views: 485

Re: SEP IRA for s corp question

My Vang SEP-IRA is in my name, but it is directly funded by my S corp (i am the sole employee).
Roughly 25% of my W2 wages are funded into my SEP-IRA.
by Rob5TCP
Sun Jan 24, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: New Amazon Prime Member w/streaming - need recs
Replies: 26
Views: 1871

Re: New Amazon Prime Member w/streaming - need recs

I just signed up a few days before the storm.
Mozart in the Jungle I thought was great.
The Man in the High Castle - I've thought was good (only through 3 episodes)
Fortitude I've also enjoyed.
by Rob5TCP
Sat Jan 23, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: KeePass download issue
Replies: 7
Views: 476

Re: KeePass download issue

Make sure you went to Keepass.info
NOT keepass.com.


The real KeePass website is at http://keepass.info.

This one tries to pass itself off as KeePass, even using KeePass' favicon to appear legitimate in search results.
by Rob5TCP
Mon Jan 18, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 72
Views: 5474

Re: Password Management and Safekeeping

I narrowed my choices to Dashlane, LastPass and KeePass.
I ultimately chose KeePass because of the open source plus everything is kept on your local device.
I have it now a bit over a year and it helps create/store incredibly long/difficult to crack passwords.
by Rob5TCP
Sat Jan 16, 2016 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Is this a good idea? [private equity offering "Czech III Senior Loan Trust"]
Replies: 9
Views: 777

Re: Is this a good idea? [private equity offering "Czech III Senior Loan Trust"]

Finding anything about III was impossible; very little information is available about II. This is about Czech II http://www.sec.gov/Archives/edgar/data/1578290/000157829014000001/xslFormDX01/primary_doc.xml http://www.formds.com/issuers/czech-ii-senior-loan-trust http://www.bloomberg.com/research/st...
by Rob5TCP
Fri Jan 15, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Safety of Windows Defender
Replies: 34
Views: 2501

Re: Safety of Windows Defender

Please read the rest results - Windows defender, while much improved over the former security essentials - still usually runs at the lowest rating - considered the minimum protection needed. https://www.av-test.org/en/antivirus/home-windows/ http://dennistechnologylabs.com/reports/s/a-m/2015/DTL_201...
by Rob5TCP
Wed Jan 13, 2016 11:45 pm
Forum: Personal Consumer Issues
Topic: Safety of Windows Defender
Replies: 34
Views: 2501

Re: Safety of Windows Defender

About a year ago my mom had McAfee and Windows Defender and got a virus that encrypted her files (documents, pictures, etc) and held them for ransom. In her case, the anti-virus programs didn't help one whit. The single most important thing to prevent irreversible data loss (whether from viruses or...
by Rob5TCP
Wed Jan 13, 2016 10:29 pm
Forum: Personal Consumer Issues
Topic: Safety of Windows Defender
Replies: 34
Views: 2501

Re: Safety of Windows Defender

Toms Guide and others do not rate it highly. http://www.tomsguide.com/us/windows-defender,review-2209.html http://www.pcmag.com/article2/0,2817,1926596,00.asp AV-Test Institute rates products in three areas, protection, performance, and usability, with six points possible in each area. Windows Defe...
by Rob5TCP
Wed Jan 13, 2016 9:30 pm
Forum: Personal Consumer Issues
Topic: Safety of Windows Defender
Replies: 34
Views: 2501

Re: Safety of Windows Defender

Toms Guide and others do not rate it highly. http://www.tomsguide.com/us/windows-defender,review-2209.html http://www.pcmag.com/article2/0,2817,1926596,00.asp AV-Test Institute rates products in three areas, protection, performance, and usability, with six points possible in each area. Windows Defen...
by Rob5TCP
Sun Jan 10, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 72
Views: 5474

Re: Password Management and Safekeeping

If you're using KeePass for copying the password it only stores it in the clipboard for like 10 or 12 seconds. Once that time expires it overwrites the clipboard. Well...so they claim. I use KeePass and am generally happy with it, but I've tested this on my system and have noticed that the password...
by Rob5TCP
Sat Jan 09, 2016 7:32 am
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 72
Views: 5474

Re: Password Management and Safekeeping

Doom&Gloom wrote:
Mudpuppy wrote:I use KeePass and have different password databases (with different master passwords) for financial sites vs non-financial sites.


+1


Also +1 Great idea
by Rob5TCP
Sat Jan 09, 2016 7:29 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 95
Views: 6214

Re: Netflix, Your Current Favorite Show

There is a way to get a sorted list of Netflix or Amazon Prime movies, sorted either by quality (critic rating) or release date. Look at the film review aggregator, rottentomatoes.com: http://www.rottentomatoes.com/browse/dvd-all/?services=netflix_iw&sortBy=tomato Thank you -- Very good resource
by Rob5TCP
Sat Jan 09, 2016 7:19 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 95
Views: 6214

Re: Netflix, Your Current Favorite Show

A list of overlooked Netflix gems - I did catch one of them The Hunt about a man wrongfully accused of child abuse (it was well worth the viewing).
http://www.digitaltrends.com/movies/bes ... gn=highppv
by Rob5TCP
Tue Jan 05, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 95
Views: 6214

Re: Netflix, Your Current Favorite Show

Some sites that give you the more popular Netflix offerings and one is fairly searchable with ratings: https://whatsnewonnetflix.com/usa http://flicksurfer.com/#/ http://instantwatcher.com/ http://www.pastemagazine.com/articles/2016/01/the-100-best-movies-streaming-on-netflix-in-2016.html http://www...
by Rob5TCP
Tue Jan 05, 2016 9:24 pm
Forum: Investing - Theory, News & General
Topic: PenFed CD ALERT !
Replies: 10
Views: 3329

Re: PenFed CD ALERT !

Given their now increased EWP, the deals would need to be really good. I am fortunate to have lots of remaining space on the NWFCU add-on 3 year/3.04%. What's NWFCU and what exactly is an add on rate? Thanks. I took advantage of dropping a lot into the PenFed 5 year CD a couple of years ago with a ...
by Rob5TCP
Tue Jan 05, 2016 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Would like to rent my apt out. Need advise
Replies: 13
Views: 1225

Re: Would like to rent my apt out. Need advise

If you have a good NYC location; usually you can set the terms. Are you an owner in the co-op or a renter (some buildings have rent stabilized legacy tenants). If a renter, there are laws on what you may charge. Asking the board for help might put you in good graces. Ask how others have done this. C...
by Rob5TCP
Tue Jan 05, 2016 5:58 pm
Forum: Investing - Theory, News & General
Topic: PenFed CD ALERT !
Replies: 10
Views: 3329

Re: PenFed CD ALERT !

Given their now increased EWP, the deals would need to be really good. I am fortunate to have lots of remaining space on the NWFCU add-on 3 year/3.04%. I have a Valor C.U. add on 3.04% rate; but the add on feature was rescinded a week ago. Unfortunately things can change. So now I look for good rat...
by Rob5TCP
Tue Jan 05, 2016 5:20 pm
Forum: Investing - Theory, News & General
Topic: PenFed CD ALERT !
Replies: 10
Views: 3329

Re: PenFed CD ALERT !

Current rates are
1 yr 1.2%
2,3 & 4 yr. 1.4%
5 & 7 yr. 1.5%

They would have to raise rates almost 100 basis points to be at the top of the list for 5 & 7 year.
by Rob5TCP
Tue Jan 05, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Any Good Special Offers for CD's in the New Year?
Replies: 10
Views: 1043

Re: Any Good Special Offers for CD's in the New Year?

I've been looking for a good 5 year cd and the best I've saw is 2.45% . Not sure if I want to jump in or wait a few weeks to see if any rates start to increase. You can wait a long time. I just have 20% of my CD's come due every year. I then move to a different bank if there is a significant rate i...
by Rob5TCP
Tue Jan 05, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: How often does your credit card # get stolen?
Replies: 57
Views: 2061

Re: How often does your credit card # get stolen?

I have 5 cards but my Capital One Card (used the most often) was stolen 4 times in two years. Since the chip, it has not been stolen once. Also, on my cards, I scratch out the code on the back to reduce it's being used online. I lost nothing and was reimbursed for all charges. I wish we had the pin ...
by Rob5TCP
Mon Jan 04, 2016 11:44 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 140
Views: 7616

Re: Waste of money?

An argument in your favor is that good speakers are best to get while you're younger rather than older (or younger than you will be next year anyways :happy ). Unfortunately, hearing definitely deteriorates, usually quite significantly as we get wiser. If your older, Bob is right you won't hear muc...
by Rob5TCP
Mon Jan 04, 2016 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Funding a SEP IRA from S-Corp
Replies: 5
Views: 300

Re: Funding a SEP IRA from S-Corp

I have a S Corp and my transfers are directly from my company to my Vanguard SEP Account (which I setup about 10 years ago). Mailing a check is fine as well. I transfer to a moneymarket at Vanguard and then decide how I wish to invest (once the funds have arrived). I'm allowed up to 25% of my W2 (wi...
by Rob5TCP
Sat Jan 02, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 40
Views: 5387

Re: Protecting one's bank account from PayPal

More up-to-date information about PayPal's lack of security (for those who can stomach the details). Nevermind that it was PayPal's lack of any modern authentication methods that led to this mess. Also, let's forget for the moment that there are a half-dozen services online that let customers creat...
by Rob5TCP
Sat Jan 02, 2016 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 40
Views: 5387

Re: Protecting one's bank account from PayPal

For years I kept a bank account with a small balance. Once, logmein, automatically renewed my subscription. It was for $249; since I only kept $40 in that bank account it PAID it and charged me $40 for the "privilege". I was able to cancel my bank account and it now only goes to my credit ...
by Rob5TCP
Sat Jan 02, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Best No Annual Fees Rewards/Cash-Back Credit Cards
Replies: 87
Views: 5629

Re: Best No Annual Fees Rewards/Cash-Back Credit Cards

I use the Amex blue card (even with the $75 annual fee) it's still worth it for 6% on up to $6,000 for groceries. To avoid the fee, the max on groceries is 6% on $3,000. Both come with a cash back reward. I buy a lot of software, so the Capital One Venture Card 2% on all purchases, but with an annua...
by Rob5TCP
Sat Jan 02, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Best Smartphone Camera
Replies: 21
Views: 1079

Re: Best Smartphone Camera

Here is a good site explaining the pluses/minuses of smartphone vs. digital camera

http://home.bt.com/tech-gadgets/smartph ... 3960940202
by Rob5TCP
Sat Jan 02, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What to do for elderly parent, if they reject help?
Replies: 54
Views: 4155

Re: What to do for elderly parent, if they reject help?

If you know her primary care physician - perhaps you could discuss this with him. Also perhaps consult an attorney that deals with elder care.
by Rob5TCP
Sat Jan 02, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: Best Smartphone Camera
Replies: 21
Views: 1079

Re: Best Smartphone Camera

Just as an aside - there are some great pocket cameras think Canon S110 or Sony RX100 that have a much larger sensor (especially the Sony) and will take better pictures than any Smartphone camera. I have the Canon and it easily fits in my front pants pocket - I've heard the same about the Sony. Ther...

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