Search found 2757 matches

by Rob5TCP
Fri Feb 24, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Confirming reliable online banks for CDs
Replies: 7
Views: 464

Re: Confirming reliable online banks for CDs

For CD's I would also consider credit unions. Many have an easy membership process. One that has been popular is Andrews Federal Credit Union. It's 7 year CD is paying 3% with only a 6 month early withdrawal penalty. Earlier it was only available for IRA/SEP etc. Now it is also available for non ret...
by Rob5TCP
Sat Feb 18, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Advice on what to do with CD coming due
Replies: 10
Views: 853

Re: Advice on what to do with CD coming due

One option you might consider is a longer CD with a low EWP. I've put quite a bit into Andrews C.U. because of the 3% rate and 6 month EWP. So, unless they change policy (which is rare but it does happen), the worst I would lose is 1.5%. In the meantime, for the past 15 months, I've been earning 3%....
by Rob5TCP
Sat Feb 18, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Wharton county Texas -- Best 5 yr CD Rate 3.0%
Replies: 0
Views: 247

Wharton county Texas -- Best 5 yr CD Rate 3.0%

Texasgulf FCU has just raised their 60 month CD rate to 3% with only a 90 DAY EWP.
This is by far the best current 5 year CD out there. The downside is it's limited availability.
So, if you live or work there -- read the following.

https://www.depositaccounts.com/banks/t ... cu/offers/
by Rob5TCP
Fri Feb 17, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: FL prepaid plan(4-Year Florida University Plan)
Replies: 21
Views: 1678

Re: FL prepaid plan(4-Year Florida University Plan)

I did this for two of my nieces. While it was an incredible investment (one was $5k and the other about 7.5k) it hasn't turned out well. First niece dropped out second half of her senior year. The second one was refused by the next oldest one and was transferred to the youngest. I am waiting to see ...
by Rob5TCP
Thu Feb 16, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2251

Re: Umbrella 1 million $500

I have 1 apt I rent, another I rent out and one car. For 2M, I pay GEICO about $425.
It went up 20% in the past 2 years; though not sure why (I've never had a claim).
by Rob5TCP
Wed Feb 15, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: 7 Year PenFed CD's @3.75% APR Maturing. Now what?
Replies: 5
Views: 522

Re: 7 Year PenFed CD's @3.75% APR Maturing. Now what?

I've had a few CD's mature in the last 12 months and I moved them to Andrews C.U. (I also cashed some others ones that had a lower rate).
It pays 3% for 7 years with only a 6 month EWP.
by Rob5TCP
Mon Feb 13, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Wearable Fitness Tracker - Emphasis On Swimming
Replies: 7
Views: 410

Re: Wearable Fitness Tracker - Emphasis On Swimming

I don't have any experience with swimming trackers, but I have purchased my watches based on reviews at DCRainmaker. https://www.dcrainmaker.com/tag/swimming-watches Thanks !! Great site - I bought a fitbit 1 awhile back and will be upgrading to more functions. This site gives some nice in depth re...
by Rob5TCP
Mon Feb 13, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Wearable Fitness Tracker - Emphasis On Swimming
Replies: 7
Views: 410

Re: Wearable Fitness Tracker - Emphasis On Swimming

I don't have any experience with swimming trackers, but I have purchased my watches based on reviews at DCRainmaker. https://www.dcrainmaker.com/tag/swimming-watches Thanks !! Great site - I bought a fitbit 1 awhile back and will be upgrading to more functions. This site gives some nice in depth re...
by Rob5TCP
Fri Feb 10, 2017 10:38 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 256
Views: 9437

Re: Your USER NAME...what does it mean?

Rob is my name and 5TCP was the short nickname of the first apt I owned in NYC 5 Tudor City Place. My avatar shows 5TCP along with 2 other buildings on Tudor City Place.
by Rob5TCP
Thu Feb 09, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Best Short term rate ? INova Bank 14 months 1.75%
Replies: 6
Views: 578

Re: Best Short term rate ? INova Bank 14 months 1.75%

The difference is you can deposit up to $250,000 here per account and TIPS your limited to $10,000. "The most important thing to remember about purchasing marketable bills, notes, bonds, Floating Rate Notes, or TIPS is that the limits are set for each auction, not by year. The limit for noncom...
by Rob5TCP
Thu Feb 09, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Best Short term rate ? INova Bank 14 months 1.75%
Replies: 6
Views: 578

Re: Best Short term rate ? INova Bank 14 months 1.75%

The difference is you can deposit up to $250,000 here per account and TIPS your limited to $10,000.
by Rob5TCP
Thu Feb 09, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Best Short term rate ? INova Bank 14 months 1.75%
Replies: 6
Views: 578

Re: Best Short term rate ? INova Bank 14 months 1.75%

Are there any better short terms rates out there ?
by Rob5TCP
Wed Feb 08, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Best Short term rate ? INova Bank 14 months 1.75%
Replies: 6
Views: 578

Best Short term rate ? INova Bank 14 months 1.75%

From Ken Tumin's blog comes this short term special. This is the best short term rate I have seen in quite awhile. https://www.depositaccounts.com/banks/inova-fcu/offers/ INOVA Federal Credit Union Offers & Promotions INOVA Federal Credit Union Credit Union Information Page | Receive Alerts for ...
by Rob5TCP
Mon Feb 06, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ Digital Subscription - a bargain!
Replies: 28
Views: 3169

Re: WSJ Digital Subscription - a bargain!

Thanks for the tip. i will probably subscribe to at least one. There is also a free 6 month subscription to the Washington post going on (if you have Prime).
I will keep at least two paying subscription for the better papers.

https://subscribe.washingtonpost.com/prime/#/
by Rob5TCP
Sun Feb 05, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Attending Banff Mountain Film Festival
Replies: 37
Views: 2360

Re: Attending Banff Mountain Film Festival

I've been to Banff several times. In late October the temps can be from chily 30's down to below 0 (F). As for hiking, it can be great or with snow very iffy. Still, light to moderate hikes can be done in most weather (heavy snow the exception). There are several great sites nearby - Lake Louise, T...
by Rob5TCP
Sat Feb 04, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: Attending Banff Mountain Film Festival
Replies: 37
Views: 2360

Re: Attending Banff Mountain Film Festival

I've been to Banff several times. In late October the temps can be from chily 30's down to below 0 (F). As for hiking, it can be great or with snow very iffy. Still, light to moderate hikes can be done in most weather (heavy snow the exception). There are several great sites nearby - Lake Louise, Th...
by Rob5TCP
Fri Feb 03, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Lexus PreCollision Safety System (auto braking)
Replies: 35
Views: 2502

Re: Lexus PreCollision Safety System (auto braking)

If the stats are correct and this really would prevent 14/15% of collisions - that is (at least to me a game changer). If you can easily afford it, I wouldn't hesitate to purchase the new system. I only drive 2500-3000 miles a year and I am considering upgrading my car ONLY for that feature.
by Rob5TCP
Fri Feb 03, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Where to stay in Siesta Key
Replies: 10
Views: 1267

Re: Where to stay in Siesta Key

I did a quick search in AirBnB and found several listing. It might be worth browsing and also looking at the pics and reviews https://www.airbnb.com/s/Siesta-?guests=4&adults=2&children=2&infants=0&checkin=02%2F20%2F2017&checkout=02%2F24%2F2017&ss_id=eqhsw2ok&source=bb&am...
by Rob5TCP
Mon Jan 30, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Valor C.U. Merging with Pen Fed
Replies: 11
Views: 872

Re: Valor C.U. Merging with Pen Fed

I would check before the merger by calling PenFed to see if there are any temporary provisions about this.
I have checked and my numbers are above the limit and will have to act accordingly.
by Rob5TCP
Mon Jan 30, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Valor C.U. Merging with Pen Fed
Replies: 11
Views: 872

Re: Valor C.U. Merging with Pen Fed

A little more detail from the website

https://www.valorcu.org/notice/valor-merger.html

According to the website - rates on existing CD's will remain the same
by Rob5TCP
Mon Jan 30, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Valor C.U. Merging with Pen Fed
Replies: 11
Views: 872

Re: Valor C.U. Merging with Pen Fed

Even though I don't deal with any of Valor people directly - I did notice this on the notice: Valor's employees will be offered the following benefits as mandated by this merger agreement: a 3 year guarantee of employment and a one time retention bonus (maximum of 10% of salary). We have successfull...
by Rob5TCP
Mon Jan 30, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Valor C.U. Merging with Pen Fed
Replies: 11
Views: 872

Re: Valor C.U. Merging with Pen Fed

I've sent a copy of the information to Ken Tumin of Depositaccounts.com
He has great resources for digging out information.
I just hope my CD rates don't drop in half or by 1/3.
by Rob5TCP
Mon Jan 30, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Valor C.U. Merging with Pen Fed
Replies: 11
Views: 872

Valor C.U. Merging with Pen Fed

Just received a notice that Valor C.U. is proposing to be merging with Pen Fed. I am not sure yet what affects this will have on any of the existing 3% 7 year CD's from Valor. It does state all members will receive a 1% bonus upon the merger. only for the regular share accounts. I assume this doesn'...
by Rob5TCP
Sun Jan 29, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Andrews 3% CD or Total Bond Market?
Replies: 27
Views: 4512

Re: Andrews 3% CD or Total Bond Market?

There have been many posts on this; specific to Andrews. The EWP is only 6 months interest. KevinM has written on a risk adjusted basis the CD's represent a better balance. I sold much of my Total Bond Market and moved it to Andrews about a year ago. Prior to that, I did something similar with anoth...
by Rob5TCP
Fri Jan 27, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: how to value a cd on the secondary market?
Replies: 4
Views: 353

Re: how to value a cd on the secondary market?

They are thinly traded so the spread is probably pretty high. The only thing comparable would be perhaps a treasury for the same rate / time left. (Treasuries are obviously more liquid plus are exempt from state tax) - I don't believe there are exchanges for these -- only what various brokerages buy...
by Rob5TCP
Fri Jan 27, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Bobbie Christensen "She explains how to find safe and secure investments with 100%+ growth per year."
Replies: 55
Views: 5195

Re: "She explains how to find safe and secure investments with 100%+ growth per year."

It's called lying. There was a "teaching organization" called the Learning Annex. Some of those "teaching" may indeed have been qualified. For others, it's was pure nonsense for their credentials. I had my first computer sales job and was on the job maybe 10 days. They described ...
by Rob5TCP
Tue Jan 24, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Selling diamond engagement ring
Replies: 40
Views: 4751

Re: Selling diamond engagement ring

Unless you know what your doing; going to the diamond district in NY, or other cities, can be hazardous to your wealth. When you go to buy they are rare and precious. The same diamond when you go to sell is neither. If I were buying (and I didn't have a reliable friend in the industry) I would go to...
by Rob5TCP
Tue Jan 24, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market vs. 2% CD
Replies: 44
Views: 10658

Re: Total Bond Market vs. 2% CD

If you have an IRA; Andrews Federal C.U. is still offering 3% for 7 years with 180 day penalty. If you look on deposit accounts monthly roundup you will see a number that offer 5 year at 2+ %. Some have severe EWP; others less so. You do have to check carefully. CD Rates have gone mostly up the past...
by Rob5TCP
Sun Jan 22, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Selling diamond engagement ring
Replies: 40
Views: 4751

Re: Selling diamond engagement ring

Living near 47th street (Diamond district) and having a friend and family member there, I see the huge markups that diamonds have. If you are near a major city, you might try going to a local diamond district. DO NOT let the diamond out of your site. Many, if not most, are reasonably honest. But, th...
by Rob5TCP
Sun Jan 15, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: How variable is your total income (5 year history)?
Replies: 30
Views: 3268

Re: How variable is your total income (5 year history)?

I'm bringing this thread back up to ask those Bogleheads who have highly variable incomes how you position yourselves to manage the unpredictability of future income. Over the past 10 years, my earnings have bounced between 54% and 390% of median. My solution for this high volatility has always bee...
by Rob5TCP
Sun Jan 15, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: How variable is your total income (5 year history)?
Replies: 30
Views: 3268

Re: How variable is your total income (5 year history)?

I'm bringing this thread back up to ask those Bogleheads who have highly variable incomes how you position yourselves to manage the unpredictability of future income. Over the past 10 years, my earnings have bounced between 54% and 390% of median. My solution for this high volatility has always bee...
by Rob5TCP
Sat Jan 14, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 184
Views: 22938

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

I visited AFCU earlier today to open a new CD, and among other things asked them about the absent interest on my 84-month Roth-IRA CD. They told me that the quarterly interest is based not on calendar quarters but on my account anniversary. Thus, I should see it in a few days. Well that's interesti...
by Rob5TCP
Sat Jan 14, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Receipts [Retaining purchase receipts]
Replies: 28
Views: 1376

Re: Receipts

Receipts over $25 I scan - just in case IRS audits - I can show they were for business. I shred occasionally,
but usually hold because a couple of times a year there is free shredding in the community. Sometimes people bring huge
bags filled with paper to be shred.
by Rob5TCP
Thu Jan 12, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9848

Re: How much do you typically spend in a restaurant?

There really is no typical. Hi-end restaurants I tend to wait for restaurant week (lunch $29 / Dinner $42 per person with out drinks, tax or tip). During regular times meals can run anywhere from $10-$15 per person up to $75-$100 per person (on rare occasions). This is in midtown Manhattan. I love I...
by Rob5TCP
Wed Jan 11, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: Miami -Florida Keys visit - Late January- Suggestions
Replies: 29
Views: 2136

Re: Miami -Florida Keys visit - Late January- Suggestions

If you go to Key West one interesting place to eat breakfast/brunch is Blue Heaven. Sort of a VERY laid back outdoor restaurant.
Wild chickens run throughout the outdoor section. Food was good, waitress was a character.
by Rob5TCP
Sun Jan 08, 2017 11:13 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 4150

Re: No Vanguard Customer Support on weekends

yep, it sucks. I have 2 factor authentication enabled on every login. Usually, it is not a big deal, usually, I will receive the code in few seconds. Last Friday, for unknown reason, when I requested a new code, the first attempt failed. I tried again and received another code. But the code didn't ...
by Rob5TCP
Sat Jan 07, 2017 9:38 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 4150

Re: No Vanguard Customer Support on weekends

No longer being a trader, I closed Fidelity years ago and switched to Vanguard. Vanguard is not a great site for trading (just ok). Fidelity has better tools. But, my Vanguard results, on a risk adjusted basis usually beat my Fidelity. Even though some costs are low at Fidelity, they were dragged sc...
by Rob5TCP
Sat Jan 07, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: S Corp payroll co for single owner/employee?
Replies: 31
Views: 2089

Re: S Corp payroll co for single owner/employee?

I have a S Corp and I use a proprietary PR package to do my quarterly payroll. I make my HSA contribution at the end of the year and my accountant makes the adjustments on my year end taxes. The system produces all my quarterly reports and it takes me about an hour each quarter (or less) to file ele...
by Rob5TCP
Sat Jan 07, 2017 5:48 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 55
Views: 4150

Re: No Vanguard Customer Support on weekends

While I've never called on a weekend; I just noticed it's 8am - 10PM est Mon-Fri.
One of the reasons Vanguard keeps costs so low. I guess the reasoning is that markets are closed
on the weekends.
by Rob5TCP
Fri Jan 06, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Help with S Corp nuts and bolts
Replies: 13
Views: 914

Re: Help with S Corp nuts and bolts

I've been a solo Sub S corporation from the beginning (about 1989). I do my own pr using off the shelf software. The quarterly reports take me about 20 minutes a quarter. While I used to do payroll weekly, then switched to bi-weekly, then monthly. For the last five years, I've been doing my payroll ...
by Rob5TCP
Wed Jan 04, 2017 9:56 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2016)
Replies: 13
Views: 1961

Re: madsinger monthly report (December 2016)

Ten minutes reviewing your totals saves hours of trying to put it together myself.
Thank you again.
by Rob5TCP
Wed Jan 04, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: How to dress for winter vacation in Alberta
Replies: 45
Views: 2394

Re: How to dress for winter vacation in Alberta

I've been to Lake Louise and Banff many times though usually not in January. The temps CAN definitely go to -20F and lower in January, but usually is somewhat better. Here is a chart with the average temps Jan high is usually 23F and low is 5F http://www.infobanff.com/info/?i=aw Currently the temps ...
by Rob5TCP
Mon Jan 02, 2017 10:52 pm
Forum: Investing - Theory, News & General
Topic: Commodity question from newer investor
Replies: 6
Views: 456

Re: Commodity question from newer investor

Most that do wish to have gold/silver/platinum usually use ETF's (GLD,SLV, etc.) I have a small % of my portfolio in metals and have both ETF's and gold coins/bars that I buy on EBay from Apmex. They are reputable and when they have sales (every couple of weeks) an item or two are at anywhere from $...
by Rob5TCP
Mon Jan 02, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Another view on Vanguard security
Replies: 20
Views: 2386

Re: Another view on Vanguard security

Vanguard has improved their security enormously. They used to be 10 characters; now they are 20. I would go to the max, even if the last four are 1234. With regard to 2FA; the temporary pass-code is only good for 10 minutes. Afterwards it is no longer valid. So, don't worry about it sitting in your ...
by Rob5TCP
Fri Dec 30, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Samsung Exploding Washing Machines & CPSC Involvement
Replies: 51
Views: 6098

Re: Samsung Exploding Washing Machines & CPSC Involvement

Samsung did the repair two weeks ago (on a 3 month old machine). The guy had done a ton of them and it went quite smoothly. We had 3 cancelled appointments before this one showed. We were able to pinpoint his arrival by the email that included a GPS tracker. We knew exactly where he was and there wa...
by Rob5TCP
Fri Dec 30, 2016 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Switch From Bonds To CD's In My Ret. Acc.
Replies: 7
Views: 930

Re: Should I Switch From Bonds To CD's In My Ret. Acc.

There have been a ton of discussions about this. For the last two months a number of them centered on a CD available from Andrews Credit Union. Seven years at 3% with a 6 month EWP. While I expect rates to be higher before 7 years - these rates allow a decent return with a relatively small penalty f...
by Rob5TCP
Wed Dec 28, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Money Market 0.11 ER
Replies: 9
Views: 1045

Re: Vanguard Money Market 0.11 ER

The Vanguard fund I believe had a zero cost when yields were practically nothing. Now that yields have returned, somewhat, to a higher level that are charging a very reasonable amount for a moneymarket. Be aware though, moneymarkets CAN break the $1 level. It's rare, but it can happen and Vanguard (...
by Rob5TCP
Wed Dec 28, 2016 5:40 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 7667

Re: How many of you invest 100% at Vanguard?

I maintain 100% of my equities and bonds at Vanguard (finally closed Fidelity about a year ago - though they keep sending me statements with a zero balance - despite my calls). I've lightened up tremendously on bonds and transferred much of that to CD's paying 3% with a small EWP (this partially thr...
by Rob5TCP
Mon Dec 26, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig on art, investing
Replies: 6
Views: 1208

Re: Jason Zweig on art, investing

Good read on a highly respected financial columnist. Thanks for the heads up.
by Rob5TCP
Fri Dec 23, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Samsung Exploding Washing Machines & CPSC Involvement
Replies: 51
Views: 6098

Re: Samsung Exploding Washing Machines & CPSC Involvement

Update from original poster. The Samsung website is tracking the "progress" of my rebate submission. I mailed it on November 14. They are listing the received date to be a month afterward. Have not received any e-mail about rebate status. Your submission will be processed within 4 to 6 we...

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