Search found 2827 matches

by Rob5TCP
Sat Jul 22, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medical malpractice attorney - how to find?
Replies: 29
Views: 1989

Re: Medical malpractice attorney - how to find?

Best bet is refer all from a friend that is a lawyer (but not negligence).
There are several national firms, but that is hit or miss. If this is major, try to find
one that specializes in your type of case.
by Rob5TCP
Wed Jul 12, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 82
Views: 8550

Re: [Amazon Prime Day]

So... my Echo Dot shipped and I'm already having buyers remorse that big brother is going to be listening in on me and whether this was a good idea. I'm not talking about the government. I'm talking about a billion dollar company that wants to make money off of me. I am more paranoid than most. I d...
by Rob5TCP
Sun Jul 09, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Anyone read Carlo Rovelli's books on physics?
Replies: 9
Views: 1109

Re: Anyone read Carlo Roveli's books on physics?

Interesting - just read the summary in the NY times.
Last physics "courses" I took were by Dr. Tyson and Dr. Krauss. Both have some interesting books and courses for
"physics laymen".
This may be added to my list.
Thanks.
by Rob5TCP
Wed Jul 05, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best current CD Rates?
Replies: 10
Views: 3221

Re: Best current CD Rates?

You have to check the twice monthly summaries at depositaccounts. He gives both national and then locally available deals (frequently by smaller credit unions). I have placed several CD's with Ally and will wait and see what happens with interest rates over the next 11 months. IF they rise quickly, ...
by Rob5TCP
Fri Jun 30, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Lackluster ESPP worth contributing?
Replies: 9
Views: 646

Re: Lackluster ESPP worth contributing?

Is this a startup - how stable is the company / stock price ?
Does it also pay a decent dividend?
15% plus a dividend on a staple company, could be quite worthwhile.
Without knowing anything about the company (or perhaps a similar one if it is small and you don't want to name it) would be helpful.
by Rob5TCP
Fri Jun 30, 2017 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Ally CD - No Penalty CD Help/Advice Needed
Replies: 19
Views: 1579

Re: Ally CD - No Penalty CD Help/Advice Needed

I also opened a couple of Ally CD's and put my savings in there. I expect there is a possibility I might need to close one of them before 11 months. Still 6 months at 1.5% is better than the current savings rate. For immediate access, I always keep at least 10k in a money-market account.
by Rob5TCP
Thu Jun 29, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Lots of trades in my IRAs ?
Replies: 18
Views: 1334

Re: Lots of trades in my IRAs ?

If they were recent purchases - check to see if they were dividend distributions. I had several from Vanguard the past two weeks.
by Rob5TCP
Wed Jun 28, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Renewal (or not?)
Replies: 53
Views: 3507

Re: Consumer Reports Renewal (or not?)

CR is useless nowadays. You get better info online for free. Also know that CR does not typically do tests on reliability, just function. The last appliance we had to replace was a top CR recommendation, a microwave, and it died 13 or 14 months from the date of purchase. Had I just relied on the in...
by Rob5TCP
Mon Jun 26, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13033

Re: Sam's Club vs. Costco

I've gone to Sam's club a few times - but the amount I purchase is less than a 1/4 of what I purchase at Costco. I find more of what I want and I like the quality selection better at Costco. I no longer go with my friend when he goes to Sam's (though he sometimes comes with me to Costco). When I buy...
by Rob5TCP
Thu Jun 22, 2017 10:17 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 8479

Re: Costco vs. Amazon - Thoughts of Prime Members?

I use Amazon prime very frequently (both ordering and free videos)
but the dollar value of my Costco purchases far exceeds what I buy on Amazon.
Still the convenience of Amazon keeps me coming back.
by Rob5TCP
Tue Jun 20, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 8385

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

That is indeed good news
PS IF you wish to use this like a savings account, open up multiple small 11 month CD's
rather than one large one. I believe you have to close it rather than making a partial withdrawal.
by Rob5TCP
Mon Jun 19, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: NYC coop
Replies: 12
Views: 1284

Re: NYC coop

Could you try to contact someone on the board to see if they have a "recommended" real estate agent. I am not saying there are kickbacks - but I've heard of worse. They would be more familiar and bring people around who can pass the board. Or they may have some influence with people on the...
by Rob5TCP
Mon Jun 19, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: NYC coop
Replies: 12
Views: 1284

Re: NYC coop

Having owned a co-op at 5 TCP, I had first had experience. It helped that I was on the original steering committee and the board president was on my floor. Requirements vary by co-op and can be quite open or horribly restrictive. The board does have WAY too much power (and sometimes it really goes t...
by Rob5TCP
Sat Jun 17, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 3681

Re: Suggestions for password storage services?

I use Keepass (not Keepass X - which originally was derived from Keepass) it is not as elegant or as easily integrated into browsers as two of the most popular Dashlane LastPass I like that Keepass keeps your information locally on your drive and not in the cloud. Plus if you like options, Keepass g...
by Rob5TCP
Mon Jun 12, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property Repairs - Whose to Pay?
Replies: 32
Views: 2883

Re: Rental Property Repairs - Whose to Pay?

I would let it go. My current tenant is constantly two months late on rent (going on 5 years now) - but is consistent on paying exactly 60 days late. My prior tenant, BROKE the toilet, left bedbugs for me to fumigate, stole the new refrigerator I bought, damaged the microwave (though it was old and ...
by Rob5TCP
Tue Jun 06, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Encyption software for external hard drive
Replies: 10
Views: 703

Re: Encyption software for external hard drive

I've read about Truecrypt and Veracrypt but they do not appear to have current versions available. The latest version of Veracrypt is only 7 months old. It is a fork of a well-respected, highly mature package that was abandoned by its author (TrueCrypt). They needed to correct a few minor flaws tha...
by Rob5TCP
Sun Jun 04, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Beginner needs help choosing which compact camera to buy!
Replies: 16
Views: 828

Re: Beginner needs help choosing which compact camera to buy!

For me, the gold standard for camera reviews has been dppreviews. One thing to consider, you will probably also be shooting a lot of video with the kids. You want 4k even if you don't have a 4k monitor/TV. I don't believe the Sony III is 4k. DP Previews gives you in an in depth look at the most popu...
by Rob5TCP
Fri Jun 02, 2017 10:14 pm
Forum: Investing - Theory, News & General
Topic: "Beware Fake Stock News"
Replies: 15
Views: 2231

Re: "Beware Fake Stock News"

Pump and Dump lives on - send the wolf of wall street back to jail (where he belongs).
by Rob5TCP
Fri Jun 02, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Anyone using onelogin change their passwords NOW
Replies: 2
Views: 430

Re: Anyone using onelogin change their passwords NOW

blueman457 wrote:That's no good.

Question: why was there even a feature to allow for server side decryption of the passwords?!?!?


That's a great question. Would love to hear the answer.
by Rob5TCP
Fri Jun 02, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone using onelogin change their passwords NOW
Replies: 2
Views: 430

Anyone using onelogin change their passwords NOW

They have been compromised and changing the password is highly advised.

https://consumerist.com/2017/06/01/do-y ... sword-now/
by Rob5TCP
Fri Jun 02, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Ken Tumin's review of Large Banks vs. Small Banks
Replies: 2
Views: 379

Ken Tumin's review of Large Banks vs. Small Banks

Once again Ken Tumin's depositaccounts.com has an interesting article. This clearly shows the difference in rates between larger and smaller institutions. For 5 year deposits it literally drops through the floor when you get to the largest institutions (something that has been readily apparent for y...
by Rob5TCP
Thu Jun 01, 2017 1:43 pm
Forum: Investing - Theory, News & General
Topic: What do you hold while waiting for a good CD?
Replies: 20
Views: 1823

Re: What do you hold while waiting for a good CD?

For the CD part of my portfolio, I've put my cash in a CD with a good yield but with a great EWP (early withdrawal penalty). i did that with Ally when they had a 5 year 2.4% CD with a 60 day EWP. About a year later I moved to 5 year paying 3%. Currently, most of my CD's are 3% with a handful that ar...
by Rob5TCP
Mon May 29, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: help me decide of I should use this wealth manager
Replies: 17
Views: 1753

Re: help me decide of I should use this wealth manager

Performance fees are generally characteristic of hedge funds (and a top of 35% is obscene). I notice they have $180M AUM. Unless they are growing astronomically fast; their overhead would consume much of their earnings. Their ideas may be interesting from an academic standpoint; but I wouldn't put m...
by Rob5TCP
Wed May 24, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 13936

Re: i am my own "guy," but not sure I should advertise that

I am pretty open about it. Once it got a bit strained. At a dinner party, they were talking about investments. This guy asks me who I use and I say I am DIY. He looks surprised and said if I broke my arm would I DIY or go to a specialist. My answer, very possibly from something I heard in this forum...
by Rob5TCP
Tue May 23, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 34
Views: 3310

Re: Fidelity and their "free advisor" service?

sport wrote:You can get low cost funds at Fidelity. You will get low cost funds at Vanguard.

:sharebeer
by Rob5TCP
Mon May 15, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 51
Views: 6465

Re: Anyone use "MyPillow" pillows?

People tend to love it or hate it reviews from Walmart https://www.walmart.com/reviews/product/21675588 Amazon https://www.amazon.com/MyPillow-Anywhere-Travel-Bed-Pillow/product-reviews/B007LLNMEC Consumer Reports http://www.consumerreports.org/my-pillow/my-pillow-health-claims-lawsuit-settlement/ h...
by Rob5TCP
Fri May 12, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Fitbit Blaze vs Apple Watch
Replies: 24
Views: 2260

Re: Fitbit Blaze vs Apple Watch

The OP asked for a comparison between the Fitbit Blase & Apple watch. Most of the comments so far mention the Fitbit Charge - pro or con. I don't know all the differences between the Charge and Blaze, but I have been happy with my Blaze. I had some problems initially with syncing but it has sin...
by Rob5TCP
Tue May 09, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Fitbit Blaze vs Apple Watch
Replies: 24
Views: 2260

Re: Fitbit Blaze vs Apple Watch

I bought the Fitbit charge 2 a few weeks ago and love it. I synch mostly with my desktop and also manually record what I eat. The amount of information available is enormous. I use it for walkings (of course) and cycling, Two friends of mine will be buying Fitbits and we intend to link so we can see...
by Rob5TCP
Thu May 04, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 41
Views: 3219

Re: Consumer Reports

I had the subscription for many years - then dropped it about 4-5 years ago. I have gone back to the online subscription and find it useful. Amazon has too many shills and paid reviews. While useful, they very well may be biased. For smaller purchases, I don't check C/R. For any larger / important p...
by Rob5TCP
Wed Apr 19, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Chicago NW suburbs to NJ/NY area
Replies: 31
Views: 2588

Re: Moving from Chicago NW suburbs to NJ/NY area

Suburban schools in the NY/NJ area have some of the best in the country - you have to check by district. I can't answer whether living on the East Coast will help/hinder getting into tier 1 colleges. I would think that would be more subjective on how well the student has done plus grades on SAT's, e...
by Rob5TCP
Tue Apr 18, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: WiFi Security
Replies: 4
Views: 653

Re: WiFi Security

I use Private Internet Access even on my home WIFI; which is WPA2 protection with a long complex password. There are several good VPN services ones out there - With P.I.A. on 3 devices I pay about $30 per year (on sale). https://www.privateinternetaccess.com/ Even if they are password protected (dif...
by Rob5TCP
Sun Apr 16, 2017 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Conflicting Expense Ratios
Replies: 4
Views: 413

Re: Conflicting Expense Ratios

Make sure your comparing the same class of funds. Some funds have a class A with a high load of up to 5.75% and then lower annual expenses. Others, have low or no load, but high annual expenses. Morningstar shows expenses of about 1% with no load. http://www.morningstar.com/funds/XNAS/AROIX/quote.ht...
by Rob5TCP
Thu Apr 13, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Windows 10 upgrade, now legacy software doesn't work
Replies: 35
Views: 2913

Re: Windows 10 upgrade, now legacy software doesn't work

For Windows 7; you have XP mode. There is supposed to be a way to setup XP Mode in Windows 10 as well.
I keep 2 PC's; one is 7 with XP mode, and the other Windows 10.
by Rob5TCP
Thu Apr 13, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Met with FA last wk (Garrett Network)
Replies: 3
Views: 628

Re: Met with FA last wk (Garrett Network)

He knows your not a long term prospect; plus he is probably honest -- so gave you an honest take.
All should behave this way.
by Rob5TCP
Thu Apr 13, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Meeting with Wells Fargo Financial Advisor Yesterday - Strange Perspective Regarding Mutual Funds
Replies: 18
Views: 2347

Re: Meeting with Wells Fargo Financial Advisor Yesterday - Strange Perspective Regarding Mutual Funds

I met with an advisor at Wells Fargo yesterday so he could pitch a retirement planning report to me - But I just thought it was an odd perspective from a financial advisor. Has anyone heard this argument from a professional before regarding mutual funds vs. stocks? He didn't even mention the divers...
by Rob5TCP
Thu Apr 13, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Dollar Savings Direct - 1.25% Savings
Replies: 11
Views: 1652

Re: Dollar Savings Direct - 1.25% Savings

I used them years ago and their rate stayed high for over a year. Then gradually it declined while others improved.
by Rob5TCP
Thu Apr 13, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: See advice for traveling to NYC on a regular basis
Replies: 14
Views: 1293

Re: See advice for traveling to NYC on a regular basis

Long Island City (Queens) has changed from a blue collar light manufacturing area to a hot new neighborhood with 20-50 story residential buildings. The hotel costs should be much less than Manhattan and it's a short train (or tram) ride to 59th street on the East Side. A sample stay I chose during M...
by Rob5TCP
Thu Apr 13, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 1988

Re: Working without an office - Strategy

.. Wrong topic
by Rob5TCP
Tue Apr 11, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: U.S. Postal Federal C.U. 12 months 1.45%
Replies: 0
Views: 380

U.S. Postal Federal C.U. 12 months 1.45%

That is a good rate for 12 months and a 90 day E.W.P.
The membership requirements are fairly easy.
More information here:

https://www.depositaccounts.com/banks/u ... cu/offers/
by Rob5TCP
Mon Apr 10, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Help me decide what to do with my cars
Replies: 34
Views: 1889

Re: Help me decide what to do with my cars

What about keeping the Suburu and if you go on a longish trip; rent a van.
Depending on the number of days per year; it might make the most sense.
And then replace the Honda when the time is right.
by Rob5TCP
Sun Apr 09, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Cordless Vacuum Cleaners
Replies: 28
Views: 2234

Re: Cordless Vacuum Cleaners

The Hoover is freestanding; so no need to hang on the wall. The battery comes out and has its own separate charger. Do I understand correctly that: the charger is connected to outlet, you then need to remove battery from charger, put it into the vacuum; then when finished vacuuming, take the batter...
by Rob5TCP
Sun Apr 09, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 2422

Re: Trip Ideas - San Francisco & Northern CA

Avenue of the Giants (road lined with Redwood trees) if driving the Avenue of the Giants - visit the Eternal Tree-house - a house made at the bottom of a Giant Redwood...... Redwood National Park -- Northern Cal. While Muir Woods is close to San Francisco; it's frequently crowded; go to if not going...
by Rob5TCP
Sat Apr 08, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Cordless Vacuum Cleaners
Replies: 28
Views: 2234

Re: Cordless Vacuum Cleaners

Thanks for the replies so far. How are these mounted on the wall? I would assume they have to be near an electrical outlet and then plugged in via a cord? Does the unit itself have to be screwed onto the wall? Is this something a non-handy person could do? Thanks The Hoover is freestanding; so no n...
by Rob5TCP
Sat Apr 08, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Free FICO score?
Replies: 16
Views: 1303

Re: Free FICO score?

I don't think that one can get these free FICO scores if your accounts are locked with the credit bureaus. I think I was supposed to get one as I bought a 2017 copy of Quicken. For the fun of it I request my FICO score. It went into never-never land and returned with an error. This is why I don't c...
by Rob5TCP
Sat Apr 08, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Cordless Vacuum Cleaners
Replies: 28
Views: 2234

Re: Cordless Vacuum Cleaners

I bought the Hoover Linx. I am not great about cleaning. When I have the cleaning lady, she uses the main Eureka vacuum and does a thorough job. For my periodic, I use the Linx. It's lightweight (5/6 pounds) and the 15-20 minute battery life is fine for me. I use it 100x more than I did with the old...
by Rob5TCP
Tue Apr 04, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered Recommended CD - good option?
Replies: 21
Views: 1730

Re: Brokered Recommended CD - good option?

Callable CD's have two things that work against them. If interest rates rise, they of course won't be called. If they drop enough, they will be called. Additionally, with brokered CD's you lose the put option. Most CD's have a 6 month - 2 years EWP on 5 year CD's. I did have Synchrony CD's but conve...
by Rob5TCP
Tue Apr 04, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly Fee Financial Planner in NYC
Replies: 10
Views: 623

Re: Hourly Fee Financial Planner in NYC

A number of Bogleheads have reported on Alan Roth. CFP. He works with your remotely and is hourly fee only. I've met him at an honorarium of Mr. Bogle and liked his approach. If I were to use an advisor; he would be the one I would turn to. http://daretobedull.com/overviewbio/ Although he is not loc...
by Rob5TCP
Mon Mar 27, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Electric Space Heaters - Does expensive one heat better than cheap one?
Replies: 20
Views: 1069

Re: Electric Space Heaters - Does expensive one heat better than cheap one?

The higher priced ones frequently are safer. The ones that look like a radiator heater oil which circulates through the radiator. If something flammable comes into contact it won't burst into flames. They are safer. Here is a good primer from C.U. http://www.consumerreports.org/cro/space-heaters/buy...
by Rob5TCP
Sat Mar 25, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: planning to visit San Francisco for a short break
Replies: 23
Views: 1837

Re: planning to visit San Francisco for a short break

I am going to add a little extra note on Muir Woods - on the weekends it can be bumper to bumper. There are some Redwood Forests on the way from LA that might be a better option (particularly Big Basin) https://www.tripadvisor.com/ShowTopic-g60713-i30-k4677696-Muir_Woods_Big_Basin_or_Henry_Cowell-Sa...

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