Search found 2903 matches

by Rob5TCP
Thu Nov 09, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2319

Re: Going to SF, Yosemite and Sacramento and NOW PORTLAND

I will be leaving soon for 4 days in Portland, 5 in Sacramento and the balance in/around the Bay Area. Portland -I am meeting with friends - Multnomah falls is off the list; it's closed will probably go to Canon Beach if it doesn't rain. Sacramento - when not working I plan to spend most of my time ...
by Rob5TCP
Thu Nov 09, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: 11 month no pnealty CD 1.55% 1K Minnimum
Replies: 11
Views: 1951

Re: 11 month no pnealty CD 1.55% 1K Minnimum

Both are great rates for short term cash needs.
by Rob5TCP
Thu Nov 09, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: 11 month no pnealty CD 1.55% 1K Minnimum
Replies: 11
Views: 1951

11 month no pnealty CD 1.55% 1K Minnimum

For depositaccounts.com CIT bank has a no penalty CD with a 1.55% (1K minnimum) Might be best option for short term savings - or emergency funds. You have to close the CD; so if you might need part, several CD's rather than one large one would make the most sense. https://www.depositaccounts.com/ban...
by Rob5TCP
Mon Nov 06, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: New York restaurants suggestions?
Replies: 18
Views: 1543

Re: New York restaurants suggestions?

I am going to give places on cusines I know PIZZA East Village Artichoke Pizza (for great slices) I keep seeing this place and wanting to try it. Thanks for the suggestion. Forgot to ad -- make sure you get the slices that are hot out of the oven. NOT reheated. Even if you have to wait.
by Rob5TCP
Mon Nov 06, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: MidFlorida C.U. 3% 5 year with up to 10% per annum penalty free withdrawal
Replies: 2
Views: 385

Re: MidFlorida C.U. 3% 5 year with up to 10% per annum penalty free withdrawal 100k MINNIMUM

Inverted Pyramid wrote:
Mon Nov 06, 2017 2:25 pm
"requires a minimum opening deposit of $100k of new money".
That's currently the top rate on 5 year CD's. But 100k minimum really restricts the # of people that
can take advantage of this.
by Rob5TCP
Mon Nov 06, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: MidFlorida C.U. 3% 5 year with up to 10% per annum penalty free withdrawal
Replies: 2
Views: 385

MidFlorida C.U. 3% 5 year with up to 10% per annum penalty free withdrawal

From Depositaccounts.com
MidFlorida credit union has a new 5 year CD with 3.0% interest.
You are allowed to withdraw up to 10% annually without penalty.

Details below:
https://www.depositaccounts.com/banks/m ... on/offers/

Only in PARTS of Florida
by Rob5TCP
Sun Nov 05, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 21
Views: 1300

Re: Which heart rate monitor is the most accurate?

I used the FitBit Charge 2 and at the same time used the Polar - the Polar was more accurate no matter what I did. The chest strap is much better than the wrist. I used my Lifecycle and saw which was more accurate. When I was just sitting all three pretty much agreed (plus or minus 1 or 2 beats). On...
by Rob5TCP
Sun Nov 05, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 75
Views: 17638

Re: WSJ Digital Subscription - a bargain!

Thanks for the warnings. FYI, I had to click around the WSJ.com site to get an actual price. Right now, I could get all-digital for 6 months for $111 or all-digital for 12 months for $222. After that time period, you are automatically enrolled at the price of $111 plus tax per quarter. While I find...
by Rob5TCP
Sat Nov 04, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 75
Views: 17638

Re: WSJ Digital Subscription - a bargain!

Thanks for the warnings. FYI, I had to click around the WSJ.com site to get an actual price. Right now, I could get all-digital for 6 months for $111 or all-digital for 12 months for $222. After that time period, you are automatically enrolled at the price of $111 plus tax per quarter. While I find...
by Rob5TCP
Sat Nov 04, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 75
Views: 17638

Re: WSJ Digital Subscription - a bargain!

Thanks for the warnings. FYI, I had to click around the WSJ.com site to get an actual price. Right now, I could get all-digital for 6 months for $111 or all-digital for 12 months for $222. After that time period, you are automatically enrolled at the price of $111 plus tax per quarter. While I find...
by Rob5TCP
Wed Nov 01, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Is Black Friday the Real Deal for computers?
Replies: 22
Views: 1792

Re: Is Black Friday the Real Deal for computors?

cjg wrote:
Wed Nov 01, 2017 4:56 pm
If you have a credit card with price protection, you can get price matched to the Black Friday adverised price without camping out.
That you have to be careful - door-busters, limited quantities, etc usually aren't covered under c.c. price protection.
by Rob5TCP
Wed Nov 01, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Is Black Friday the Real Deal for computers?
Replies: 22
Views: 1792

Re: Is Black Friday the Real Deal for computors?

I frequently check this site for prices, even before/after Black Friday. I enter the Amazon web price of an item I am interested in and it shows the price history (again on Amazon). It also allows me to set a price I wish to pay and will email me if that is hit. I've done that with several higher en...
by Rob5TCP
Mon Oct 30, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 3442

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

If you 're OK with buying from a Canadian pharmacy, Ombrelle sport lotion. Think the brand is sold in the US, but without Mexoryl, a sunscreen not available here. Have done that for 4-5 years now. I've been using Ombrelle for years. My GF from Canada sends me supplies periodically and I bring it ba...
by Rob5TCP
Mon Oct 30, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: What's a VPN and Do I Need One
Replies: 6
Views: 910

Re: What's a VPN and Do I Need One

I have VPN on all my computers. My main PC,at home, is wired; but I use VPN as an extra level to hide my IP address. On my Surface Pro I turn on WiFi and only use it with VPN engaged. And whenever I am on any public / private WiFi; VPN is engaged. For $30 a year and a very small hassle I have Privat...
by Rob5TCP
Sun Oct 29, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Storage Recommendations for pictures
Replies: 22
Views: 1103

Re: Storage Recommendations for pictures

External hard drive or
flash drive
I would do both and keep them in separate places.
If you have a huge # of large files
even cloud based backups are an option.
by Rob5TCP
Fri Oct 27, 2017 10:19 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2319

Re: Going to SF, Yosemite and Sacramento

Check if the Mariposa Redwood grove in Yosemite is open.... I would focus on a few great experiences rather than everything. Good luck! Making me wonder about a quick getaway myself.., OH NO -- Mariposa grove is closed until Spring, 2018 (that was one of my highlights). Thanks for the tip - didn't ...
by Rob5TCP
Fri Oct 27, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2319

Re: Going to SF, Yosemite and Sacramento

Check if the Mariposa Redwood grove in Yosemite is open.... I would focus on a few great experiences rather than everything. Good luck! Making me wonder about a quick getaway myself.., OH NO -- Mariposa grove is closed until Spring, 2018 (that was one of my highlights). Thanks for the tip - didn't ...
by Rob5TCP
Fri Oct 27, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2319

Re: Going to SF, Yosemite and Sacramento and now PORTLAND

Thank you for all the suggestions - I will be looking over them all the next day or so (plus some on trip advisor) I am leaning to Big Basin as a "better" Redwood experience than Muir Woods. Redwood National Park is just too far North and I would rather spend that time in Yosemite. Yosemite is super...
by Rob5TCP
Fri Oct 27, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2319

Going to SF, Yosemite and Sacramento and NOW PORTLAND

I've landed a new client on the West Coast (Sacramento) and plan to be in California for approximately 2 weeks. Half the time I will be working, the other half I will be a tourist. My plans are 2-3 days in San Francisco, 2-3 days in Yosemite and perhaps 1 day in Big Basin National Park. My time fram...
by Rob5TCP
Wed Oct 25, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: New York restaurants suggestions?
Replies: 18
Views: 1543

Re: New York restaurants suggestions?

I am going to give places on cusines I know PIZZA East Village Motorino Luzzos (if Motorino too crowded or expensive) Artichoke Pizza (for great slices) West/Greenwich Village John's of Bleeker Street https://en.wikipedia.org/wiki/John%27s_of_Bleecker_Street Keste (rated one of the best in US by tri...
by Rob5TCP
Wed Oct 25, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: I just want to invest 200k and get 3%
Replies: 20
Views: 5232

Re: I just want to invest 200k and get 3%

Several banks have given 3% over the past few years (Andrews Federal CU and Pentagon Federal come to mind) If you wish to go the CD route - this site gives you all the top rates at varying banks/cu's around the country. Some are hoping that Penfed will have a year end CD special of 3%. https://www.d...
by Rob5TCP
Tue Oct 24, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Data Breach Litigation - Anthem
Replies: 6
Views: 654

Re: Data Breach Litigation - Anthem

It states I am a member of this lawsuit (which I either get another free monitoring or up to $36 - whoopee). No Anthem is not paying you $36. Anthem's customers are paying you the money, and way, way more to the lawyers on both sides. I don't understand the cheery mentality of people who "win" a cl...
by Rob5TCP
Tue Oct 24, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Data Breach Litigation - Anthem
Replies: 6
Views: 654

Data Breach Litigation - Anthem

I just received a form - for the Anthem data breach. It states I was included in the Anthem data breach (which I was not aware of). I checked and I am not included in the insurance companies mentioned. It states I am a member of this lawsuit (which I either get another free monitoring or up to $36 -...
by Rob5TCP
Fri Oct 20, 2017 9:07 pm
Forum: Investing - Theory, News & General
Topic: Encryption flawed in some Yubikey models
Replies: 6
Views: 840

Re: Encryption flawed in some Yubikey models

The Yubikey manager - which gives the version you have and whether you are affected. https://www.yubico.com/keycheck/firmware_guide# (Windows) Below explains what specifically is affected: https://www.yubico.com/keycheck/ My firmware version is 4.3.5 and Yubico states that version is unaffected. (I ...
by Rob5TCP
Tue Oct 17, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Why not CDs instead of Short Term Bonds or TIPS
Replies: 24
Views: 3193

Re: Why not CDs instead of Short Term Bonds or TIPS

Kevin M.'s post last year and one earlier convinced me that the risk / reward ratio favored (and still does) higher yielding CD's. I've put the max into 7 year 3.04% CD's with a 6 month EWP. On some of my earlier CD's; they had a 60 day EWP and I closed those to put in the 3% CD's. I also use Ally's...
by Rob5TCP
Sun Oct 15, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 41
Views: 3097

Re: Antivirus Software Recommendations

Currently I have paid subscriptions to malwarebytes premium surf right hitman pro and mcafee suite. They say not to double up but I do anyway. I have mcafee out of convenience and I don’t feel like switching every year trying to get something free. I think I paid $30 and got licenses for all device...
by Rob5TCP
Sat Oct 14, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 41
Views: 3097

Re: Antivirus Software Recommendations

I use Norton Internet Security - yes there are moments when its overhead is annoying (copy a large # of small files is slowed down by Norton); I still prefer it. Along with Malwarebyte premium. Perhaps the most important is to keep Windows and other critical programs updates (I run qualsys to check ...
by Rob5TCP
Thu Oct 12, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: A good value wine I found...
Replies: 22
Views: 2574

Re: A good value wine I found...

BTDT wrote:
Wed Oct 11, 2017 8:15 pm
FWIW- My Malwarebytes is blocking the image link

+1 same here
by Rob5TCP
Wed Oct 11, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate mystery
Replies: 24
Views: 1911

Re: I Bond fixed rate mystery

This was a great site - but after a number of years he stop updating the charts.
Still it has useful information collected over the years.

http://savings-bond-advisor.com/

http://savings-bond-advisor.com/series- ... ase-rates/
by Rob5TCP
Wed Oct 11, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate mystery
Replies: 24
Views: 1911

Re: I Bond fixed rate mystery

On the fixed rate; there have only been guesses (mostly not that accurate). The last few years have all been zero or close to zero .1%; .2% and so on. And since April 2011; it's been primarily 0%, 3 times it was a blistering .1% and once it was .20%. They will probably keep it at .0%, with a small c...
by Rob5TCP
Mon Oct 09, 2017 4:39 pm
Forum: Investing - Theory, News & General
Topic: Why is inflation so low? Moore's law?
Replies: 33
Views: 4418

Re: Why is inflation so low? Moore's law?

Moore's law may or may not be dead; when the advent of quantum computing arrives all bets are off.
Google claims their Quantum computer will be up to 100,000,000 times faster than your current laptop.

https://www.sciencealert.com/google-s-q ... our-laptop
by Rob5TCP
Sat Oct 07, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 79
Views: 5573

Re: Password Protection

Is it bad form to interrupt a great thread with a really dumb (but related) question? Everyone is always talking about these password manager programs. I recently downloaded LastPass. Here is what I don't get. LastPass lets me access all my accounts on my computer using my master password. Which is...
by Rob5TCP
Fri Oct 06, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: 1st United Credit Union 3% 3 year CD
Replies: 5
Views: 1515

Re: 1st United Credit Union 3% 3 year CD

This ends by 1PM tomorrow.
by Rob5TCP
Fri Oct 06, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: 1st United Credit Union 3% 3 year CD
Replies: 5
Views: 1515

1st United Credit Union 3% 3 year CD

This ends tomorrow - and you must be in one of the California counties that 1st United operates in.
Story at depositaccounts.com

https://www.depositaccounts.com/banks/1 ... cu/offers/
by Rob5TCP
Fri Oct 06, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 79
Views: 5573

Re: Password Protection

The first decision to make is do you want your data in the cloud or on your computer. Cloud is more convenient for multiple devices, but you have to worry about Dropbox or whatever being hacked. I decided to keep the data on my devices, so I chose KEEpass. +1 for Keypass. Make sure your password th...
by Rob5TCP
Tue Oct 03, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 115
Views: 25295

Re: Vanguard's new security key option

Just ordered 2 with the 22% off deal. I agree, Vanguard should not have the option to go back to SMS. One option Vanguard has is to send it to your home phone, rather than the cell phone. Your home phone is probably not going to get lost. There maybe a little extra security having that as your backu...
by Rob5TCP
Sun Oct 01, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: REIT Magazine
Replies: 14
Views: 2223

Re: REIT Magazine

Wow - I didn't realize that Vanguard Reit funds are many many times higher than their closest competitors.
The chart was illuminating. Plus the expense ratios of many of the funds were 2 and even 3%
by Rob5TCP
Wed Sep 27, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anti virus protection
Replies: 35
Views: 3716

Re: Anti virus protection

I used Windows Defender awhile ago. Most of the reviews have Windows Defender at the bottom.
I switched back to Norton Anti Virus years ago along with Malwarebytes.
Both have been fine.
by Rob5TCP
Sun Sep 24, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 80
Views: 4535

Re: Do you subscribe to digital newspapers?

I subscribe digitally to the WSJ. A website mentioned here offered a 3 year subscription for $150 (it's now closer to $200). I also intend to subscribe to the NYT digitally. A friend of mine got me a 1 year free subscription to the Washington Post. The last physical newspaper I read was at an airpor...
by Rob5TCP
Fri Sep 22, 2017 7:52 am
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 35
Views: 4263

Re: I-Bonds?

I've been meaning to ask. Does it bother anybody that I-bonds are guaranteed to have a negative real return due to the eventual taxes that must be paid on the interest unless we have deflation so bad that 0% is a positive real return. On the other hand, TIPS funds purchased in a tax-protected accou...
by Rob5TCP
Fri Sep 22, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze or fraud alert?
Replies: 18
Views: 1315

Re: Credit freeze or fraud alert?

I've had a freeze on the big three for quite a number of years (read about it here first). Like the poster above, I also added a freeze on Innovis and Chex. Looking back over the past 5 years, I've needed to unfreeze about once every 2 years (usually to get a big bonus at a credit card). It was a mi...
by Rob5TCP
Fri Sep 22, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Help me solve: Not allowed access to savings at Canadian bank
Replies: 13
Views: 1925

Re: Help me solve: Not allowed access to savings at Canadian bank

Just came back from a 3 week trip to Edmonton/Banff. The airfare from NYC (50 days in advance) was only $450. Though the trip was 1 stop in Toronto. Depending on the amount being held and the length of the trip; your best bet (as stated) is to bite the bullet and go up there. Before going find out w...
by Rob5TCP
Thu Sep 21, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 115
Views: 25295

Re: Vanguard's new security key option

I am looking at the new security key options. Amazon has this one: https://www.amazon.com/Yubico-Y-158-YubiKey-4/dp/B018Y1Q71M/ref=sr_1_5?s=electronics&ie=UTF8&qid=1505579425&sr=1-5&keywords=fido+u2f+security+key Also on the site is this one at half the price and under questions answered says it wo...
by Rob5TCP
Wed Sep 20, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 115
Views: 25295

Re: Vanguard's new security key option

I am looking at the new security key options. Amazon has this one: https://www.amazon.com/Yubico-Y-158-YubiKey-4/dp/B018Y1Q71M/ref=sr_1_5?s=electronics&ie=UTF8&qid=1505579425&sr=1-5&keywords=fido+u2f+security+key Also on the site is this one at half the price and under questions answered says it wor...
by Rob5TCP
Tue Sep 19, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4797

Re: Costco vs sams club vs neither.

I had access to both (mine was Costco hers was Sam's). I found that if I went to Sam's I bought what I intended to get and that was it. If I went to Costco I ended up getting 2-3x times what I had on my list. They were usually good purchases and values. I only go to Costco now. Sam's (to me) was a w...
by Rob5TCP
Mon Sep 18, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 5127

Re: USPS lost very important certified mail - What next?

A couple of years ago I sent a certified check by 2 day Priority Express mail - 3 weeks later it arrived. I was prepared to go to the bank and put up additional monies to cancel the certified check. This was the third incident with express mail in two years; their tracking is useless. When it finall...
by Rob5TCP
Sat Sep 16, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 14
Views: 2559

Re: Why are so many Chinese visiting my website?

My website (run by Godaddy) gets 1/2 of its hits from China. There is NOTHING in my services (IT) that would be even the vaguest of uses for Chinese companies. MY site is strictly to look for new business. My current clients really never look at my site. I also get plenty of visitors from India (and...