Search found 2483 matches

by Rob5TCP
Thu May 05, 2016 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Mango Money - Worried about Direct Deposit
Replies: 6
Views: 342

Re: Mango Money - Worried about Direct Deposit

I've had a transfer take over a week before i saw it on the receiving organization.
It shouldn't take that long.
Give it until Monday and then start tracing if it's not transferred.
Also if yours is a brand new account, there may be a hold on your first transaction (even coming in).
by Rob5TCP
Tue May 03, 2016 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advertised High Rate 4.65%* CD
Replies: 6
Views: 1466

Re: Advertised High Rate 4.65%* CD

I've seen this before - it's to get you in the door so they can sell you other things (frequently annuities).
They wouldn't do it if it wasn't successful.
I called once when I saw this down in Florida (Ft. Lauderdale I believe)
by Rob5TCP
Tue May 03, 2016 5:42 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 88
Views: 2874

Re: Sci-Fi ... your favorite movies and episodes??

I've seen things you people wouldn't believe. Attack ships on fire off the shoulder of Orion. I watched C-beams glitter in the dark near the Tannhäuser Gate. All those moments will be lost in time, like tears...in...rain. Time to die. You should state that's from Blade Runner, which is on my list (...
by Rob5TCP
Tue May 03, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: Second IRS Final Notice Filing Law Suit Phone Call
Replies: 19
Views: 2051

Re: Second IRS Final Notice Filing Law Suit Phone Call

None of these calls are from Nigeria - they are mostly from India (hence the thick accents). I always answer these and pretend to be terrified. Then I see, how much time do I have, and how much of their time can I waste before they catch on? This site tracks all bogus calls http://800notes.com/Phone...
by Rob5TCP
Mon May 02, 2016 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: I own an S-Corp, can I not pay myself and only my contractors?
Replies: 22
Views: 1497

Re: I own an S-Corp, can I not pay myself and only my contractors?

If your business is cash based (vs accrual) you will owe taxes based on cash receipts (rather than invoicing). So, if you bill 100k but only receive 80k during the year; you owe on the 80k. You can pay yourself a reasonable salary (based on a % of your gross) and you can take out (or leave in) profi...
by Rob5TCP
Mon May 02, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 5098

Re: Consumer Reports Magazine & Website

I kept my subscription but switched to the web years ago. While Amazon is a good source for reviews, there is so much fraud in the reviews (whole sites devoted to bogus Amazon reviews). Additionally, with the exception of some of the better reviewers, much of it is too subjective. The down side of C...
by Rob5TCP
Mon May 02, 2016 6:09 pm
Forum: Personal Consumer Issues
Topic: Ally's Webroot Secure anywhere Antivirus software - any good?
Replies: 6
Views: 484

Re: Ally's Webroot Secure anywhere Antivirus software - any good?

I had Webroot for a number of years (going back to its SpySweeper days)
it was fine. I did find other products that suited my needs better and performed better on industry tests.
For a standard anti malware it's a fine choice.
by Rob5TCP
Mon May 02, 2016 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: First Time investing with Credit Union with Large amount
Replies: 12
Views: 934

Re: First Time investing with Credit Union with Large amount

Do FDIC insured CD earn Interest? If the stock market is iffy and savings doesn't really do anything. Where can I put my money where I am coming out earning instead of losing? Should I go back and learning all I can in real state and try not to make the same mistakes I did? My plan is to use some i...
by Rob5TCP
Mon May 02, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: First Time investing with Credit Union with Large amount
Replies: 12
Views: 934

Re: First Time investing with Credit Union with Large amount

if I see the market dip don't panic. The market goes up and down and eventually will go back up. He went on to say if I would have invested 6 months ago, I would have seen a 6 -7% return. Yes in the past couple of decades the market has usually come back fairly quickly. However, there have been per...
by Rob5TCP
Sat Apr 30, 2016 6:11 pm
Forum: Investing - Theory, News & General
Topic: Company Match and high ERs
Replies: 31
Views: 1527

Re: Company Match and high ERs

do you have the option (after a few years) to keep contributing but have say 25% or 50% or more, transferred to a RO IRA at Vanguard.
Must you keep the full amount with them to be eligible for the yearly matching?
by Rob5TCP
Fri Apr 29, 2016 7:09 am
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 60
Views: 3753

Re: How do you stop robo-calls/unwanted calls?

I've used nomorobo.com almost from the time they began. Not perfect, but the best solution I've seen. I always let the phone ring the first time; if it rings the second I look at the caller ID. About 5% get through nomorobo; which is better than the almost 50% when I first began using it. If the Tel...
by Rob5TCP
Thu Apr 28, 2016 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Conversion
Replies: 14
Views: 1053

Re: IRA Conversion

Converting an IRA (to cash or possibly to a Roth to avoid future taxes on gains - provided you keep it 5 years); is considered taxable. Depending on the your taxable income and the amount you convert you may in fact owe no taxes.If you convert 100k; you probably will owe some federal taxes and perha...
by Rob5TCP
Sun Apr 24, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Self employed estimated taxes on s-corp income
Replies: 3
Views: 343

Re: Self employed estimated taxes on s-corp income

I hate doing PR so only do it quarterly. Based on business income, I will withhold additional SWT, and FWT.
I adjust this each quarter - takes about 2 minutes. i try to over withhold a bit
by Rob5TCP
Sun Apr 24, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: Allan Roth on why bond funds are better than individual bonds
Replies: 63
Views: 4910

Re: Alan Roth on why bond funds are better than individual bonds

Here are Allan's 5 reasons to prefer bond funds over individual bonds: 5. Don't get tricked on interest Not exactly sure what this means, but one should understand the bonds they are investing in, whether through a fund or individually. Dave What Allan is referring to is people getting caught up in...
by Rob5TCP
Sun Apr 24, 2016 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Should I start my own consulting business?
Replies: 10
Views: 1214

Re: Should I start my own consulting business?

First off, did you sign a non-compete clause in any contract. If no, would any of your current clients follow you to your own firm? If necessary do you have the finances to go 3, 6, 12 months possibly before you build up your clientele. Do you know or are you willing to learn: billing, payroll, and ...
by Rob5TCP
Fri Apr 22, 2016 10:45 pm
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 2003

Re: Pop up ads driving me nuts! Please help

As mentioned earlier - you may have malware so a malwarebyes scan is in order. Select the free version and download/scan https://www.malwarebytes.org/dl-confirm/ I use Firefox and have not had an popup in many many years. Use adblock plus one of several ad blockers from Firefox. With the the number ...
by Rob5TCP
Fri Apr 22, 2016 4:48 pm
Forum: Investing - Theory, News & General
Topic: James Dale Davidson's prediction of 2016 collapse
Replies: 42
Views: 3897

Re: James Dale Davidson's prediction of 2016 collapse

Everyone also laughed when Peter Schiff predicted gold would go to $5000 an ounce in 2011.
So there :oops:
by Rob5TCP
Thu Apr 21, 2016 7:10 pm
Forum: Personal Consumer Issues
Topic: How shop for a website?
Replies: 14
Views: 893

Re: How shop for a website?

I've had good success but I went with a very small company. He is a one man shopped, but he totally redid my site.
It was about 1/4 the cost that I was quoted by a couple of larger firms.
by Rob5TCP
Thu Apr 21, 2016 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: CD help!
Replies: 14
Views: 1690

Re: CD help!

I have both Synchrony and Ally. Ally was a pain trying to setup a new account 2 years after the first. They wanted me to go through all the hoops as if I never had an account with them. I ended up going to Synchrony for the savings account. I have very little direct dealings with either. Ally has my...
by Rob5TCP
Thu Apr 21, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Continue to work for a company you no longer agree with?
Replies: 17
Views: 1504

Re: Continue to work for a company you no longer agree with?

It easy for us to say move on. Coming from that company, would it limit your possibilities elsewhere? Do you feel you are being forced to do anything unethical (if your an accountant for an unethical firm, and don't cook the books, you are behaving ethically in an unethical company). I have a lot of...
by Rob5TCP
Thu Apr 21, 2016 8:36 am
Forum: Investing - Theory, News & General
Topic: Hong Kong Property Bubble Imploding...
Replies: 19
Views: 3755

Re: Hong Kong Property Bubble Imploding...

I've been wondering if NY would experience a major crash with all the high end building going on. More 1000+ feet residential towers going on in a 5 year period, than existed in the entire world a few years ago. Who, will fill all those New York City has 3.4 million housing units. All those big res...
by Rob5TCP
Wed Apr 20, 2016 11:23 pm
Forum: Investing - Theory, News & General
Topic: Hong Kong Property Bubble Imploding...
Replies: 19
Views: 3755

Re: Hong Kong Property Bubble Imploding...

I've been wondering if NY would experience a major crash with all the high end building going on. More 1000+ feet residential towers going on in a 5 year period, than existed in the entire world a few years ago. Who, will fill all those, plus other huge expensive buildings going up at the same time....
by Rob5TCP
Tue Apr 19, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: Small packages delivered from China
Replies: 14
Views: 1492

Re: Small packages delivered from China

Seems some others have the same "issue". https://in.answers.yahoo.com/question/index?qid=20150221120427AAgK7Oe https://www.reddit.com/r/trees/comments/1zg79q/so_i_get_a_strange_package_from_china_today/ https://www.reddit.com/r/electronics/comments/2m5cij/unknown_small_package_from_china_w...
by Rob5TCP
Mon Apr 18, 2016 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on two separate credit cards
Replies: 22
Views: 2331

Re: Fraudulent charges on two separate credit cards

My main c.c. has been compromised 5 times in a bit over 3 years. Each time I had no personal liability. The total dollars have been small. I cross out the 3 digit number so it could only be used with a copy of the card. It could not be used online or via phone. Still this has been a hassle. This wil...
by Rob5TCP
Mon Apr 18, 2016 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 2659

Re: Progressive or Geico?

When I first started with auto insurance, GEICO was so much cheaper I double/triple checked. That was 20+ years ago. When I asked for quotes about 5 years ago GEICO was still 35-40% less than the 3 companies I checked. I've had a couple of small claims without a problem and have not had a rate incre...
by Rob5TCP
Sun Apr 17, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: CD help!
Replies: 14
Views: 1690

Re: CD help!

Ken Tumin's blog is great. I've gotten 3% on my last 3 CD's following his blog. For most of the banks (as mentioned) there are reviews plus user comments. You usually here the best and the worst, but you do get some idea of the realities of dealing with the banks. I've had great and horrible experie...
by Rob5TCP
Sun Apr 17, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 4846

Re: A Month in Manhattan

Has anyone done a nice food walking tour in NYC? I'm going in July, and would like to book one. Also, I'll be there over July 4th. Where do New Yorkers see fireworks? Not to hijack the thread... I did the pizza tour - one is only walking and the other was a longer one by bus. I am a pizza nut (or m...
by Rob5TCP
Sun Apr 17, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 4846

Re: A Month in Manhattan

Subways - get a map and keep it with you. Avoid 7-10AM and 4-7PM weekdays (the peak of the rush). If you must, be prepared to probably be squeezed. Weekends - there are TONS of subway changes from 11PM Friday to 6AM Monday. Here is a sample of the changes - it can mess up your weekend subway trip if...
by Rob5TCP
Sun Apr 17, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 4846

Re: A Month in Manhattan

NYC is above all a walking city - one of the most walk-able in the world. Depending on your health and a good pair of shoes - here are some of the better known walking tours of NYC. They will give you a good idea of where you want to go and where you want to spend more time: If you were staying a fe...
by Rob5TCP
Sat Apr 16, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: Coin Collecting (will coins increase or decrease in value?)
Replies: 36
Views: 3064

Re: Coin Collecting (will coins increase or decrease in value?)

I'll bet a coin dated "700 BC" would be almost priceless. :) Not sure I would take that bet These may be fake - but would someone bother for $5-$40? A few in very good condition went for much higher. Some 100-300 AD were sold by the pound (though in poor condition). http://www.ebay.com/sc...
by Rob5TCP
Sat Apr 16, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Aunt has been investing in collectibles for retirement
Replies: 13
Views: 2083

Re: Aunt has been investing in collectibles for retirement

You can get a general idea on EBay. Far from perfect, but at least it's a start. If there is something truly rare, the auction houses might have some estimates for you. I am hoping she didn't buy many Hummels or Lladros. Those have gone down enormously (I was given a few and checked on their value w...
by Rob5TCP
Tue Apr 12, 2016 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to Geico from USAA
Replies: 32
Views: 2183

Re: Switch to Geico from USAA

Among other reasons is GEICO doesn't use agents. When I applied, years ago, I was getting quotes of $2,500 up to $3,800 for auto insurance. GEICO came in under $1,200.00. Today I pay about $650 for auto insurance. I combine it with an umbrella policy to give me high liability coverage. The two minor...
by Rob5TCP
Mon Apr 11, 2016 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Commit to Lifelong Renting in Bay area?
Replies: 22
Views: 3337

Re: Commit to Lifelong Renting in Bay area?

If the apartment suits your needs and you don't expect a life change soon; stay with the rent controlled apartment. I've had a couple in NYC (plus one co-op I bought) and as long as the law is here, I will take full advantage. If your life changes, you can always move. Rent control is a political is...
by Rob5TCP
Fri Apr 08, 2016 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Another newbie in trouble...
Replies: 14
Views: 2194

Re: Another newbie in trouble...

I also looked at the site. Many of the ones I've seen people recommend, Rick Ferri, Larry Swedroe, etc., very clearly state on their website what their fees are (and whether they get any commissions on top of that - or not). I saw no mention of where they derive their income. Their site, I thought, ...
by Rob5TCP
Fri Apr 08, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Possible Move to Manhattan....
Replies: 20
Views: 1615

Re: Possible Move to Manhattan....

If your going to experience for a year; live IN the city. NJ is not the same. You can't walk out your door and have a million choices of places/things to do & go. While Williamsburg is very hot and Long Island City is up and coming, I would still choose a place in the Village. Before you come, r...
by Rob5TCP
Fri Apr 08, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Filtered Water Part II
Replies: 7
Views: 496

Re: Filtered Water Part II

Have you tested your water to see what you need to "protect" against. If it's mostly taste, the cheapest ones might be effective. With the results, google to see how high your levels are and what are the best and most cost effective remedies. This is decent information (though a bit self ...
by Rob5TCP
Fri Apr 08, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Filtered Water Part II
Replies: 7
Views: 496

Re: Filtered Water Part II

Have you tested your water to see what you need to "protect" against. If it's mostly taste, the cheapest ones might be effective. With the results, google to see how high your levels are and what are the best and most cost effective remedies. This is decent information (though a bit self s...
by Rob5TCP
Thu Apr 07, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Nuts? [to reallocate portfolio]
Replies: 31
Views: 2457

Re: Am I Nuts?

Clifford Assness of AQR is one of the brightest people I've ever met. I've followed his career for a number of years. The adage the market can remain illogical a lot more than you can remain solvent. While he was right 15 years ago about the market, the irrationality continued long enough that his c...
by Rob5TCP
Wed Apr 06, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Any states that tax Roth withdrawals?
Replies: 49
Views: 3587

Re: Any states that tax Roth withdrawals?

As mentioned above in NY, I also have a vested interest in whether NY taxes Roth withdrawals. I verified that $20,000 per year from an IRA/SEP IRA are not taxable (in addition to SS not being taxed). From NYS Site: "Distribution Income. Income distributed from a Roth IRA is exempt from tax if i...
by Rob5TCP
Mon Apr 04, 2016 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA issues with S Corp
Replies: 10
Views: 493

Re: SEP IRA issues with S Corp

I'm have a sub s corp and I receive both W2 wages and year end distributions. The ye distributions are not eligible for SEP contribution. My W2 (say 50,000); my SEP contribution would be $12,500 for 2015. Whatever I receive as a year end profit distribution; is not SEP eligible. I pay both medicare ...
by Rob5TCP
Sun Apr 03, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: I buy $275 of stock 2x / week. Is such frequent buying bad?
Replies: 18
Views: 1840

Re: I buy $275 of stock 2x / week. Is such frequent buying bad?

I am assuming there are no transaction costs - long term the effects should be negligible. You will lose a little in a rising market (you didn't buy it all at once in the beginning of the year). You will gain a little in a declining market (buying declining shares during the year, rather than all at...
by Rob5TCP
Sat Apr 02, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: What is an eREIT fund?
Replies: 4
Views: 599

Re: What is an eREIT fund?

This is the third crowd funding on Real Estate that I have seen. My first question: If this investment is adequately collateralized; why give high interest rates to crowdfunding? Bank interest rates on secured real estate is so low; why not just borrow the required amount? Management draws no fees u...
by Rob5TCP
Fri Apr 01, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Five Best National Parks to Visit?
Replies: 99
Views: 6765

Re: Five Best National Parks to Visit?

The list provides many of the best. I found Yosemite and nearby Sequoia to be among the most diverse and my favorite. Utah - Zion and Bryce; Arches, Moab, Canyonland Cal -- Redwood National Park, Yosemite and Sequoia/Kings Canyon, Wash - Mt. Rainer and Olympus Alberta, Canada: Jasper and especially ...
by Rob5TCP
Thu Mar 31, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: At what point is disability insurance too expensive?
Replies: 7
Views: 794

Re: At what point is disability insurance too expensive?

Thank you for your replies! :D The policy that I was looking at was until age 65. Rob5TCP, do you have personal experience with Freelancer's Union? Yes I do: they are based in Brooklyn and I went to a couple of meetings. I purchased a high deductible insurance policy through them that was much chea...
by Rob5TCP
Thu Mar 31, 2016 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Barclays Dream Savings vs Regular Savings
Replies: 8
Views: 730

Re: Barclays Dream Savings vs Regular Savings

From deposit accounts a few years ago: "Barclays has recently added a new online savings account that it calls the Dream Account. It’s intended to encourage people to save money. Long-time savers with large savings probably won’t find much benefit with the account. That’s due to a maximum month...
by Rob5TCP
Thu Mar 31, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best current CD Rates?
Replies: 7
Views: 1405

Re: Best current CD Rates?

ERISA Stone wrote:do you recall how long you waited for approval from Andews to activate the new account?


Since I have a freeze on my credit scores; it took about 2 weeks.
Without that it would have taken less than half that time.
by Rob5TCP
Thu Mar 31, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: At what point is disability insurance too expensive?
Replies: 7
Views: 794

Re: At what point is disability insurance too expensive?

If you are an independent - you might try Freelancer's Union they have good insurance and some other benefits. While they are on the political side - I found their group benefits quite useful. https://www.freelancersunion.org/ Here are their disability insurance rates - it seems to be LESS than half...

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