Search found 2584 matches

by Rob5TCP
Thu Aug 25, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: NYC Living Options
Replies: 37
Views: 2412

Re: NYC Living Options

If your in the millennial age group; this might be an interesting/fun alternative to a traditional apartment.

https://www.dnainfo.com/new-york/201608 ... s-included
by Rob5TCP
Wed Aug 24, 2016 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Living Options
Replies: 37
Views: 2412

Re: NYC Living Options

How is Tudor City nowadays? I used to work in the area and thought it was a great neighborhood (UN area). I see studios and 1BR's for rent at under 3,000. I lived a number of years at 5 Tudor City Place (hence Rob5TCP) The problem is size. The studio I bought was less than 200 square feet-- 200-300...
by Rob5TCP
Wed Aug 24, 2016 2:10 pm
Forum: Personal Consumer Issues
Topic: Internet security: which is the lesser of 2 evils?
Replies: 37
Views: 2564

Re: Internet security: which is the lesser of 2 evils?

I go along with VPN. Wifi is inherently unsafe and it's rare that I've found adequate safeguards on public wifi without VPN
by Rob5TCP
Wed Aug 24, 2016 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Living Options
Replies: 37
Views: 2412

Re: NYC Living Options

Rent controlled apartments are impossible to get. Rent STABILIZED are available, but difficult. There are stories of rent controlled apartments of 3 bedrooms on 5th Ave., for $900 a month but they are as rare as finding a diamond on the street. Rent stabilized are still fairly common, but take a lot...
by Rob5TCP
Wed Aug 24, 2016 10:24 am
Forum: Personal Finance (Not Investing)
Topic: NYC Living Options
Replies: 37
Views: 2412

Re: NYC Living Options

http://www.crainsnewyork.com/apps/pbcsi.dll/storyimage/CN/20110515/REAL_ESTATE/305159996/AR/0/Long-Island-City.jpg Getting to Laguardia is not that expensive $30 +/- depending where you live for Laguardia $55 +/- for JFK $85 +/- for Newark For Newark I take a cab to Grand Central and then take the ...
by Rob5TCP
Wed Aug 24, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: NYC Living Options
Replies: 37
Views: 2412

Re: NYC Living Options

$3500 for a studio is readily available. Finding $2500 is also do-able. In Harlem (rapidly becoming a hot area after years of being avoided is much less expensive) My friends live on West 110th Street (now Central Park North); there are apts that 10 years ago were $800 a month; now they are $500,000...
by Rob5TCP
Tue Aug 23, 2016 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Gold in what form?
Replies: 38
Views: 5944

Re: Gold in what form?

On Regal assets you have to do a little digging to find this: "The difference between our sell (also known as ask) and our buy (also known as bid) is referred to as our spread. Our spread currently ranges between 3% and 20% on all of our precious metal products. Spreads vary significantly by ty...
by Rob5TCP
Tue Aug 23, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Gold in what form?
Replies: 38
Views: 5944

Re: Gold in what form?

At $7 a trade - is it worth bothering to look around to where you can buy GLD commission free?
by Rob5TCP
Sun Aug 21, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: NYC area bogleheads? temp housing question
Replies: 9
Views: 669

Re: NYC area bogleheads? temp housing question

I am not sure of your age, but especially if younger, a share might be a better option. It has become more common, mostly by necessity. The NY Times wrote about a year or two ago. http://www.nytimes.com/2014/08/17/realestate/sharing-a-new-york-apartment-by-choice.html?_r=0 ALWAYS do your due diligen...
by Rob5TCP
Sat Aug 20, 2016 11:02 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on coffee/tea?
Replies: 58
Views: 2491

Re: How much do you spend on coffee/tea?

I spend about $10 per week making cold brew coffee every week (plus a few brew coffees as well). Most is decaf, fair trade, organic from CoffeeAM.
Occasionally I purchase flavored coffee as well.
I like my cold brew coffee strong, since I use 1/2 and 1/2 plus a little sugar.
by Rob5TCP
Sat Aug 20, 2016 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud: How many times is 'normal'?
Replies: 24
Views: 1292

Re: Credit Card Fraud: How many times is 'normal'?

I've had four in a little over 2 years (Capital one); my most heavily used card and the only one compromised. Since going to the chip, I've only been compromised once. Each time I responded quickly (I get a text on each charge) and the damage to the card company has been minor. As an added security ...
by Rob5TCP
Fri Aug 19, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: How to Break Free of Vacation Club VAMPIRE
Replies: 7
Views: 1351

Re: How to Break Free of Vacation Club VAMPIRE

Investigating more on Google from Ripoff Report -- not happy http://www.ripoffreport.com/r/SOUTHERN-JOURNEYSVACATION-QUESTGLOBAL-CONNECTION/OVERLAND-PAR-Kansas/SOUTHERN-JOURNEYSVACATION-QUESTGLOBAL-CONNECTION-DECEPTIVE-CLAIMS-OVERLAND-PARK-Kansas-1103349 from is this a scam - she got a refund by men...
by Rob5TCP
Fri Aug 19, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: How to Break Free of Vacation Club VAMPIRE
Replies: 7
Views: 1351

Re: How to Break Free of Vacation Club VAMPIRE

Can you resell any of your 14 weeks -- rather than trying to sell all at once.
by Rob5TCP
Fri Aug 19, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: How to Break Free of Vacation Club VAMPIRE
Replies: 7
Views: 1351

Re: How to Break Free of Vacation Club VAMPIRE

Check on EBay of people that are selling this and what they get for. These are easy to buy and tough as hell to sell.
Do a Google search about people selling it.
There will be plenty of sites offering to sell these for you (if it's popular)
but most are scams with upfront fees.
by Rob5TCP
Wed Aug 17, 2016 11:17 pm
Forum: Investing - Theory, News & General
Topic: Computer Security [Risk of using online financial services]
Replies: 31
Views: 2432

Re: Computer Security [Risk of using online financial services]

For my most important sites; 1. Use the longest most complex password they allow (use KeePass). 2. Two factor authentication (if available) 3. Keep all updates (especially operating system) current 4. Main computer is hard wired to router 5. Use the program Voodoo, in the rare case there is unknown ...
by Rob5TCP
Wed Aug 17, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: negatives came out blue
Replies: 6
Views: 1059

Re: negatives came out blue

Did you send them film or negatives to be printed If you sent negatives: Examine your negatives -- look at the photos that came out clearly and the ones that were bluish Can you discern any difference in the negatives themselves. If so, it's probably degradation. If not, the processor was possibly a...
by Rob5TCP
Sun Aug 14, 2016 10:45 pm
Forum: Personal Consumer Issues
Topic: How well do robot vacuums work?
Replies: 26
Views: 2416

Re: How well do robot vacuums work?

The WSJ had an article on robot vacuums in, I think, the Friday section about 2 or 3 weeks ago. They tested the roomba and the dyson. If you can pull up that article, it might be worth reading. Here is the article - you will have to google it; if you don't have a subscription. http://www.wsj.com/ar...
by Rob5TCP
Fri Aug 12, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Mom wants to invest large sums into CD
Replies: 39
Views: 3644

Re: Mom wants to invest large sums into CD

After reading several posts by Kevin and checking rates on despotaccounts.com; I ended up transferring what I could to the 7 year 3%. With the six month EWP, it became an easy decision on a risk adjusted basis. I am will be transferring more over until i reach closer to the NCUA limit insurance. I'v...
by Rob5TCP
Mon Aug 08, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: Do you have a handyman?
Replies: 32
Views: 2771

Re: Do you have a handyman?

I have an all in one handyman (whom I've become friends with) He does Computer repair / installations Tiling Furniture repair (woodworking is his forte) Created and built my custom closets Painting Wiring Audio/video setup Limited Kitchen Remodeling (limited by my building) He charges $50 per hour i...
by Rob5TCP
Sat Aug 06, 2016 8:05 pm
Forum: Personal Consumer Issues
Topic: Blocking robot calls.
Replies: 51
Views: 3643

Re: Blocking robot calls.

Blocking 20 or 200 numbers is unfortunately a very temporary solution. Unless your prepared to constantly add and subtract new numbers, it will be of limited help. 1200 numbers would make a good dent. Right now nomorobo is being added to other providers and seems to have the best answer. They are bl...
by Rob5TCP
Fri Aug 05, 2016 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: High Priced Watches at a Large Discount?
Replies: 1
Views: 442

High Priced Watches at a Large Discount?

An article in todays WSJ about Hong Kong having major problems selling high end watches (over 3k). Sales are down close to 30%. Italy is also down close to 30%. In the US, sales are down 9%. Watch manufacturers are buying back and in some cases are junking watches and extracting the gold. Full story...
by Rob5TCP
Thu Aug 04, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank denied my account application
Replies: 15
Views: 1974

Re: Ally Bank denied my account application

I was initially denied by Ally because of my credit freeze. Took awhile but it did get straightened out. What was annoying - 3 years later I applied to open a different account; checking in addition to the savings and was denied again. This time I didn't bother and just opened elsewhere. There rates...
by Rob5TCP
Mon Aug 01, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife form an S-corp?
Replies: 25
Views: 1579

Re: Should my wife form an S-corp?

I developed software for 25 years now and have been threatened with a lawsuit 4 times. Two were absurd (in one case another dealer screwed up badly and stated I would correct it - i stated I could, but he expected it for free). Only one was really legitimate and when the owner returned from vacation...
by Rob5TCP
Sun Jul 31, 2016 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports, how could you? [Investment Company Buying Guide]
Replies: 74
Views: 6427

Re: Consumer Reports, how could you? [Investment Company Buying Guide]

While I do go their online site; it's not what it once was. To their partial credit they do advise caution when purchasing: ask your advisor how he is compensated - including whether he is paid extra to recommend certain funds http://www.consumerreports.org/cro/investment-companies/buying-guide.htm ...
by Rob5TCP
Mon Jul 25, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 60
Views: 3640

Re: What kind of apartment can $1k get you in your city?

While Manhattan has obscene rents, apartments in other areas of NY State border on the very inexpensive. Rochester has some VERY reasonable rents, even downtown. Prices have increased very little in the past 10-20 years (Kodak was the biggest employer and now is a shell of its former self). Syracuse...
by Rob5TCP
Sun Jul 24, 2016 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: "New" combo product for LTC/Whole life insurance
Replies: 11
Views: 1032

Re: "New" combo product for LTC/Whole life insurance

I was presented a hybrid product which included whole life, LTC, and an annuity.
It was impossible to evaluate because I was uninterested in the insurance component.
I don't have LTC and may not buy it.
by Rob5TCP
Sun Jul 24, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: What kind of apartment can $1k get you in your city?
Replies: 60
Views: 3640

Re: What kind of apartment can $1k get you in your city?

I live in Manhattan and don't even ask about $1k per month; unless you intend to have several roommates. A place I own in Lake placid, Florida $1k gets you a terrific apartment. I would prefer where I am living, but better values for that amount are found throughout much of the South. Florida rental...
by Rob5TCP
Sun Jul 24, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: What is a good value caviar?
Replies: 7
Views: 708

Re: What is a good value caviar?

What do you think a good price point is for caviar, and how does Lumpfish or Salmon roe compare with something like farmed sturgeon? https://www.amazon.com/2oz-California-White-Sturgeon-Caviar/dp/B004SKH1G4/ref=sr_1_5_s_it?s=grocery&ie=UTF8&qid=1469394623&sr=1-5&keywords=sterling+ca...
by Rob5TCP
Sun Jul 24, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: What is a good value caviar?
Replies: 7
Views: 708

Re: What is a good value caviar?

Check out the "lower" grades - it's all depends on your taste.

Paddlefish, Hackelback and Transmontanus are less expensive caviar grades.
The best is if you can find a place that will let you try it (hopefully with minimal cost).
by Rob5TCP
Sun Jul 24, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: What is a good value caviar?
Replies: 7
Views: 708

Re: What is a good value caviar?

There are several good Caviar places in NY (they ship all over) I prefer Osertra and at one time we could buy 2 ounces for less than $75 (no more). I liked the texture. I've never tried Beluga; even then it was quite expensive. Two sites I've purchased from (in person) Pertrossian - we've also had c...
by Rob5TCP
Sat Jul 23, 2016 7:59 pm
Forum: Investing - Theory, News & General
Topic: Confusion about Synchrony Bank Early Withdrawal Penalty
Replies: 21
Views: 2251

Re: Confusion about Synchrony Bank Early Withdrawal Penalty

Melrose C.U. in NY (available nationwide) has a 5 year 2.42% rate.
The EWP is 6 months; however the interest rate for the entire period reduced to current savings rate (about .5%).
That's one of the reasons I took a slightly lower rate with a less draconian EWP.
by Rob5TCP
Sat Jul 23, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: 3% cd
Replies: 23
Views: 3757

Re: 3% cd

Things are not always as clear cut as they seemed. I went to Synchrony Bank's website and looked up EWP. On June 13, 2016 they changed the penalty on all CD's over 4 years to 365 days interest. I will be doing some calculations to see if the difference is still worth the effort. I looked up my orig...
by Rob5TCP
Sat Jul 23, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: Confusion about Synchrony Bank Early Withdrawal Penalty
Replies: 21
Views: 2251

Re: Confusion about Synchrony Bank Early Withdrawal Penalty

Synchrony Bank increased their EWP from 6 months to 12 months for all CD's over 48 months (effective Jun 13, 2016).
One of the reasons I chose their CD was because of a fairly mild EWP.
by Rob5TCP
Sat Jul 23, 2016 2:39 pm
Forum: Investing - Theory, News & General
Topic: 3% cd
Replies: 23
Views: 3757

Re: 3% cd

Thank you Kevin - the limit now does affect one CD I was going to transfer. I will call on Monday to ensure I can transfer the other in time to make the 3% offer. The payback period is very short. Sounds like a plan. Glad we got the IRA vs. POD NCUA insurance thing cleared up. Would be interested i...
by Rob5TCP
Fri Jul 22, 2016 6:49 pm
Forum: Investing - Theory, News & General
Topic: 3% cd
Replies: 23
Views: 3757

Re: 3% cd

First, I'm reluctant to do any early withdrawals to fund this CD because of the risk of having the rate drop before the transfer is complete, in which case the EWP would be wasted. However, I have seen two reports from forum members that an AFCU CSR said they would lock the rate when they received ...
by Rob5TCP
Thu Jul 21, 2016 10:21 pm
Forum: Investing - Theory, News & General
Topic: 3% cd
Replies: 23
Views: 3757

Re: 3% cd

Kevin - your risk/reward calculator (I believe it was yours) was quite the eye opener. Most of my IRA bond funds are sold and are now at Andrews. There was just no comparison. I am calculating converting some of my other CD (and EWP) into 7 year Andrews. By using different POD, I should be able to e...
by Rob5TCP
Thu Jul 21, 2016 6:21 pm
Forum: Investing - Theory, News & General
Topic: 3% cd
Replies: 23
Views: 3757

Re: 3% cd

Fan mail. I can't believe I forgot that. Yes, it is seven years. Thanks. 7 Years is a long time to have your money locked away with big penalties if its withdrawn early! EWP is 6mo interest, I dont think that's a "big penalty". If you withdraw after 2 years, you would still have gotten ab...
by Rob5TCP
Wed Jul 20, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: 3% cd
Replies: 23
Views: 3757

Re: 3% cd

I currently have 2 CD's with Andrews.
Valor Credit Union did offer a 3% with the ability to add to it; but they unilaterally discontinued that earlier this year (to much controversy to current CD holders).
3% is very hard to find right now.
by Rob5TCP
Tue Jul 19, 2016 3:09 pm
Forum: Investing - Theory, News & General
Topic: Farmland REITs?
Replies: 26
Views: 1936

Re: Farmland REITs?

An interesting article today in Seeking Alpha - author gives his reasons why he prefers farmland Reits over timber Reits. This one is very pro FPI. http://seekingalpha.com/article/3989550-asset-class-battle-timberland-vs-farmland To be "fair and balanced", from the same source an article t...
by Rob5TCP
Tue Jul 19, 2016 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: "Security freeze" to prevent credit fraud
Replies: 16
Views: 1093

Re: "Security freeze" to prevent credit fraud

It is a bit of a hassle, but it's worth it. I did as soon as I became aware of the ability to do so (about 7-8 years ago). From time to time, I have to pay to get a pin number when i want a new credit line or credit card. As mentioned, it does not prevent fraud. It just makes it harder for someone t...
by Rob5TCP
Sun Jul 17, 2016 5:37 pm
Forum: Personal Consumer Issues
Topic: Mother was victim of online virus scam - How can she recover the money she paid?
Replies: 56
Views: 5191

Re: Mother was victim of online virus scam - How can she recover the money she paid?

How could the bad guy remotely install something without knowing the computer address or whatever it's called :shock: for her computer? In other words, didn't the virus or the ability to improperly access her computer come first, then the credit card problems? Just trying to understand this techie ...
by Rob5TCP
Sun Jul 17, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Mother was victim of online virus scam - How can she recover the money she paid?
Replies: 56
Views: 5191

Re: Mother was victim of online virus scam - How can she recover the money she paid?

I'm curious. Why did the thieves steal only $299? Is that important limit for something. It sounds like they could have charged anything, especially since mom authorized. Too much and people will hang up; so $299 many will pay (also they will reduce if people complain). If they tell you $299 and th...
by Rob5TCP
Sat Jul 16, 2016 1:19 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 6413

Re: What's up with 4K tv? Should I buy one?

It's no longer twice the price unless you go with some of the top end. Here are a couple that are about $100-$150 more than 1080 http://www.bestbuy.com/site/lg-49-class-48-7-diag--led-2160p-smart-4k-ultra-hd-tv-black/4973301.p?id=bb4973301&skuId=4973301 http://www.bestbuy.com/site/vizio-50-class...
by Rob5TCP
Sat Jul 16, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Meeting w/ Mom's F.A. and prep for her retirement - Please help!
Replies: 24
Views: 2356

Re: Meeting w/ Mom's F.A. and prep for her retirement - Please help!

For the 9 year 1.1% CD - find the EWP. Even a year of interest is only 1%. If this is in an IRA you can get 3% on a 7 year. Even a 2 year EWP penalty (2.2%) would probably be worth it. How long the 3% at Andrews C.U. will be available is unknown. Other options include several 5 year CD's at around 2...
by Rob5TCP
Fri Jul 15, 2016 6:41 pm
Forum: Investing - Theory, News & General
Topic: 5-year CD rate
Replies: 9
Views: 1341

Re: 5-year CD rate

A 3% 7 year is a much better value than a 5 year 2%.
Those last two years; your CD would have to earn over 5% each year to make up the difference.
Whenever it's offered, I jump at the 3%.
Especially if the EWP is reasonable.
by Rob5TCP
Fri Jul 15, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: I created dependency, now what?
Replies: 50
Views: 5437

Re: I created dependency, now what?

This is very much a personal decision. How much satisfaction do you derive by helping a family meet at least a minimal standard of living? How attached are you to the family? Though no where on your scale, in my 20's/30's I supported through Save the children Foundation a family in a third world nat...
by Rob5TCP
Wed Jul 13, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Do you tip Uber drivers?
Replies: 49
Views: 5323

Re: Do you tip Uber drivers?

Uber cuts the fares 15% in NY and discourages tips. The drivers are fighting to get tips as a line on the entry form - so people will tip. At one time Uber drivers were making a good rate; that has changed dramatically as Uber has lowered fares twice. As for a sign saying tips appreciated - I would ...
by Rob5TCP
Tue Jul 12, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: What should I tip the limo driver?
Replies: 25
Views: 2079

Re: What should I tip the limo driver?

Wow your prices are high. We took a stretch limo to Atlantic City from NYC and back plus 3 hours down there and we paid about $500 plus $100 tip (and he threw in a couple bottles of champagne). Now, we did it on a Monday Monday night; maybe that accounts for some of the difference. Maybe you can neg...
by Rob5TCP
Sun Jul 10, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in gold
Replies: 60
Views: 2244

Re: Investing in gold

If I were to hold gold, it would be actual gold coins. Smaller denominations than gold bars. And I would be aware of securing it somewhere safe besides a bank safety deposit box. If you never need to spend it, it makes for interesting inheritance :) Call me paranoid or not, I don't trust gold ETFs ...

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