Search found 2636 matches

by Rob5TCP
Tue Sep 27, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: Computer backup options
Replies: 16
Views: 708

Re: Computer backup options

I use a package (about $30) called Second Copy. It is NOT useful for image backup; but for data files backups it suits me quite well. You set various parameters; 1. High usage of resources for quick backup or gradually lower resources 2. Backup only changed files (which is my setting - new files are...
by Rob5TCP
Mon Sep 26, 2016 11:11 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market vs. 2% CD
Replies: 14
Views: 2181

Re: Total Bond Market vs. 2% CD

"If holding Total Bond Market is a crime, it is a misdemeanor not a felony" I believe in an FDIC insured CD only the principal is backed by the full faith and credit, while with Treasuries the interest payments are backed as well. But that's such an insignificant difference. FDIC insured ...
by Rob5TCP
Mon Sep 26, 2016 7:06 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market vs. 2% CD
Replies: 14
Views: 2181

Re: Total Bond Market vs. 2% CD

The TTM is 2.42% the 7 days yield is 1.89%; which is quite a bit less.
I have switched much of my IRA/Roth CD's to a credit union yielding 3.0%
with a 6 month EWP.
I find the risk/reward a better balance.
by Rob5TCP
Sun Sep 25, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 1989

Re: IRA CD question

Andrews Federal C.U. special 3% 7 year ONLY for IRA / Roth click on traditional IRA / Roth and you will see the 84 month https://www.andrewsfcu.org/personal/checking-and-savings/share-certificates.html But if you play that game you are going to end up with IRAs at dozens of banks, possibly more. No...
by Rob5TCP
Sun Sep 25, 2016 7:42 am
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 1989

Re: IRA CD question

Andrews Federal C.U. special 3% 7 year ONLY for IRA / Roth click on traditional IRA / Roth and you will see the 84 month https://www.andrewsfcu.org/personal/checking-and-savings/share-certificates.html But if you play that game you are going to end up with IRAs at dozens of banks, possibly more. No...
by Rob5TCP
Sat Sep 24, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 1989

Re: IRA CD question

Yes, I believe that the terms of every IRA CD I've purchased have allowed penalty-free RMDs. However, since the CDs I've been getting have such superior yields, I'd take RMDs from my bond funds instead in the current environment, and continue to reinvest the CD interest at the great rates. Kevin Th...
by Rob5TCP
Fri Sep 23, 2016 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 1989

Re: IRA CD question

Andrews Federal C.U. special 3% 7 year ONLY for IRA / Roth click on traditional IRA / Roth and you will see the 84 month https://www.andrewsfcu.org/personal/checking-and-savings/share-certificates.html What's the best way to join the credit union? Become a member of the American Consumer Council fi...
by Rob5TCP
Fri Sep 23, 2016 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 1989

Re: IRA CD question

Andrews Federal C.U.
special 3% 7 year
ONLY for IRA / Roth

click on traditional IRA / Roth
and you will see the 84 month

https://www.andrewsfcu.org/personal/che ... cates.html
by Rob5TCP
Fri Sep 23, 2016 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: IRA CD question
Replies: 32
Views: 1989

Re: IRA CD question

I wrestled whether to go with brokered CD's vs. bank CD's for that portion of my portfolio. Two factors tilted me to dealing directly with banks. 1. I am able to get better rates; up to 3% NCUA insured. 2. Their is no market rate risk if interest rates rise only an EWP (early withdrawal penalty). Th...
by Rob5TCP
Mon Sep 19, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: IRS calling?
Replies: 7
Views: 815

Re: IRS calling?

800 notes has several comments about this number:
http://800notes.com/Phone.aspx/1-323-434-2156

They have already switched to another number -- usually spoofed.
Since this is usually operated out of India (for the most part)
there is little the IRS can do.
by Rob5TCP
Sat Sep 17, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on Long Term Care LTC
Replies: 3
Views: 386

Re: Seeking advice on Long Term Care LTC

There have been so many posts on LTC = here is a list; it was too large for me to go through,
but it's a start.

https://www.google.com/search?sitesearc ... .org&q=ltc
by Rob5TCP
Sat Sep 17, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 135
Views: 7636

Re: Favorite Coffee

For cold brew (100% of my consumption in the summer and about 50% in the winter) I use the CoffeSock. I have reused the sock about 20 times and it still going strong. I boil to sanitize it once or twice a month. I bought a backup "kit", just in case drop the jar. https://www.amazon.com/Co...
by Rob5TCP
Sat Sep 17, 2016 8:09 am
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 135
Views: 7636

Re: Favorite Coffee

For cold brew (100% of my consumption in the summer and about 50% in the winter) I use the CoffeSock. I have reused the sock about 20 times and it still going strong. I boil to sanitize it once or twice a month. I bought a backup "kit", just in case drop the jar. https://www.amazon.com/Cof...
by Rob5TCP
Wed Sep 14, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with High Yielding Money Market Accounts
Replies: 25
Views: 2000

Re: Experience with High Yielding Money Market Accounts

If used both Ally and Synchrony; and both have been fine.
Ally was a bit of a hassle to setup; but once done it's gone smoothly.
by Rob5TCP
Wed Sep 14, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should I drop LTC insurance?
Replies: 10
Views: 1322

Re: Should I drop LTC insurance?

For a bit over $1,000 per year you could not get coverage anywhere NEAR that amount. You have less than a million. If, for some reason, you needed to go into a nursing home (for a few yearS) in your 70's and had no coverage a good portion of your net worth would be compromised. I don't know if I wou...
by Rob5TCP
Wed Sep 14, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 135
Views: 7636

Re: Favorite Coffee

There are two coffees that I drink repeatedly: 1. CoffeeBeanDirect.com Organic SWP Decaf City Roast Mexican http://www.coffeebeandirect.com/coffee/type/organic-fair-trade/organic-swp-decaf-city-roast-mexican.html 2. Coffeeam.com Organic Decaf SWP Peru Coffee https://www.coffeeam.com/organic-decaf-sw...
by Rob5TCP
Wed Sep 14, 2016 9:12 am
Forum: Investing - Help with Personal Investments
Topic: 60 month 2.6% CD in 457(b) worth the trade-offs?
Replies: 10
Views: 956

Re: 60 month 2.6% CD in 457(b) worth the trade-offs?

If an IRA you could bet a better yield at Andrews C.U. at 3% for 7 year with a 6 month EWP. You have to decide what % in equities and what percentage in fixed income. I have sold a number of my bond positions to take advantage of the 3%. I would at least consider my Roth in there if you have no IRA's.
by Rob5TCP
Wed Sep 14, 2016 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Anybody using Andrews CU 3% IRA CD?
Replies: 35
Views: 4243

Re: Anybody using Andrews CU 3% IRA CD?

This is one of a number of reasons I don't use CDs. All due respect to Kevin, I enjoy reading his posts on CDs and sharing his expertise. But for the money, it's just too hard to deal with paperwork, EWP, keeping a close eye when the CD matures, etc. We even got hit with a $50 withdrawal fee for a ...
by Rob5TCP
Wed Sep 14, 2016 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Anybody using Andrews CU 3% IRA CD?
Replies: 35
Views: 4243

Re: Anybody using Andrews CU 3% IRA CD?

I bought $250k cd at Andrews for part of my fixed part of our asset allocation. I'm considerating buying another for my wife's IRA. I'm doing this because I can't find anything else even close to 3% guaranteed by the government. I'm worried because I can't find anything else even close to 3% guaran...
by Rob5TCP
Tue Sep 13, 2016 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody using Andrews CU 3% IRA CD?
Replies: 35
Views: 4243

Re: Anybody using Andrews CU 3% IRA CD?

Do your conversion first and then transfer a Roth to Andrews. I don't know how much longer the 3% will be available. I have transferred several accounts there and am now approaching my insurance limit (plus a margin for 7 years interest). You may find that it ends before you transfer. Call them and ...
by Rob5TCP
Tue Sep 13, 2016 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington vs. Total Market and CD's
Replies: 17
Views: 2690

Re: Wellington vs. Total Market and CD's

If it is just the bond portion you are concerned about you could go 65% vanguard equity income veirx and 35% 3% cd. The equity income fund is similar to the wellington equity part and is majority managed by the same group. As stated above, I took the Boglehead approach -- Wellington is gone and Tot...
by Rob5TCP
Tue Sep 13, 2016 7:14 am
Forum: Personal Consumer Issues
Topic: Put SSN on internet?
Replies: 17
Views: 2103

Re: Put SSN on internet?

If you want to go an extra step (and are using Firefox) 1. Make sure you see the https:// in the webpage URL 2. Click on the lock icon and then touch the > sign 3. click on more information 4. you should see under technical details Connection encrypted (TLS_ECHDE.......AES_128_GCM_SHA256,128 bit key...
by Rob5TCP
Mon Sep 12, 2016 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds instead of CD's?
Replies: 23
Views: 2043

Re: Municipal Bonds instead of CD's?

I've sold two bond funds and transferred to a CD paying 3% for 7 years with a 6 month EWP. Kevin M had a rather interesting spreadsheet for reviewing risk reward possibilities. I evaluated his spreadsheet and while not perfect did give a substantial edge to the CD both for safety (AAA-NCUA insurance...
by Rob5TCP
Mon Sep 12, 2016 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Crowd funding
Replies: 2
Views: 367

Re: Crowd funding

I noticed they charge a 1% upfront fee plus a 1% annual fee; plus they retain a 20% share in any properties purchased. So you get 80% of the equity with 100% of the risks; plus 2% the first year and 1% each additional year (in fees). http://realcapinvest.com/faq/ While this is transparent; it's not ...
by Rob5TCP
Sat Sep 10, 2016 4:28 pm
Forum: Investing - Theory, News & General
Topic: The Fidato Group (retirement seminar)
Replies: 23
Views: 1812

Re: The Fidato Group (retirement seminar)

Not an impressive website (not that matters all that much);
Nowhere do I see a mention on how they are compensated.

As Taylor and others have stated - this looks easy to pass on.
by Rob5TCP
Sat Sep 10, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: Everything down today - except Junk!
Replies: 17
Views: 2268

Re: Everything down today - except Junk!

Everything down today - except Junk! My CDs, Money Market accounts, and the G fund are not down. My $20 bills are up when I take them out of the draw. Victoria If you marked your CDs to market they would be down in virtual lock-step with a similar duration/quality marketable security. G is magical ...
by Rob5TCP
Fri Sep 09, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Ransomware alert
Replies: 54
Views: 4903

Re: Ransomware alert

If your willing to do EVERYTHING in a sandbox; ransomware would have no affect. You would just close that sandbox. I tried sanboxie for 3 months, but the resulting heavy slowdown and occasional crashes were too much (with 16GB RAM). Short of that almost nothing is 100%. I try to keep all updates to ...
by Rob5TCP
Fri Sep 09, 2016 9:31 am
Forum: Local Chapters and Bogleheads Community
Topic: Any Bogleheads want to join me in the Great Saunter?
Replies: 3
Views: 484

Re: Any Bogleheads want to join me in the Great Saunter?

I would be up for part of it - not the whole 32 miles but 5 maybe 10 or so.
I am getting a new hip next month - so should be ok by then.
by Rob5TCP
Thu Sep 08, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Ransomware alert
Replies: 54
Views: 4903

Re: Ransomware alert

I have used a sandbox in the past - while it is effective; I found it used up much of my resources and frequently crashed.
Maybe a better implementation of a sandbox (which isolates whatever you have opened - if it is malicious you just close it).
would help here.
by Rob5TCP
Thu Sep 08, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: Ransomware alert
Replies: 54
Views: 4903

Re: Ransomware alert

A recent survey from the Blackhat.com conference on main security concerns

https://www.blackhat.com/docs/us-16/201 ... Survey.pdf
by Rob5TCP
Wed Sep 07, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Ransomware alert
Replies: 54
Views: 4903

Re: Ransomware alert

I've installed Malwarebytes anti ransomware. - it's been in beta for quite awhile. https://blog.malwarebytes.com/malwarebytes-news/2016/01/introducing-the-malwarebytes-anti-ransomware-beta/ One of the problems with some of the newer ransomware - it's tested against various defenses before it's relea...
by Rob5TCP
Wed Sep 07, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 4994

Re: Should I upgrade my 6 year old plasma TV?

Forget plasma - I think only one company is still making them. The question is 4k worth it. I have a 7 year old 52" Panasonic Plasma and also was considering 4k. There is just not enough source material out there so far. And with my viewing distance I really would go to 65-70 inches so I could ...
by Rob5TCP
Wed Sep 07, 2016 8:05 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10568

Re: How much is your cell phone bill?

Virgin Mobile -- $38.11 with taxes; 2.5GB hi speed;
phone - ok
email - fine
internet - so/so but adequate - I rarely stream movies or any video
by Rob5TCP
Tue Sep 06, 2016 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is the landlord legaly required to repaint the rental unit while the tenant living there?
Replies: 12
Views: 1985

Re: Is the landlord legaly required to repaint the rental unit while the tenant living there?

I know in NY, it's required every 3-5 years or so (I forget). However, if you request a paint job, nothing stops him from recovering it plus with an additional rent increase. Are your leases yearly or 2 year? Like NY, if your not covered by rent stabilization of some kind; rents can go up substantia...
by Rob5TCP
Tue Sep 06, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: Tipping Practices
Replies: 18
Views: 1547

Re: Tipping Practices

Funny, I've actually been tipped a few times over the period I've owned my own business. I can understand if they don't know that it's my business, but one did after I explained it. I billed him $175/hr (90 minutes) plus 1/2 hour travel. This was about 1/2 what I quoted because the job required less...
by Rob5TCP
Mon Sep 05, 2016 7:16 pm
Forum: Investing - Theory, News & General
Topic: Local CD Rates
Replies: 2
Views: 672

Re: Local CD Rates

The 33 and 63 month are listed under noteworthy local deals (8-26-16).
The 13 month doesn't meet the cutoff.

https://www.depositaccounts.com/blog/cd-rates-survey/
by Rob5TCP
Mon Sep 05, 2016 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington vs. Total Market and CD's
Replies: 17
Views: 2690

Re: Wellington vs. Total Market and CD's

Vanguard Balanced Index Fund Admiral at .08% ER. Total stock and Total Bond all rolled into one fund with a static 60/40. You're pretty much set since you just have retirement accounts. Simple... That is very similar to what I am looking to do. On the bond side though, I just feel I will do better ...
by Rob5TCP
Mon Sep 05, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington vs. Total Market and CD's
Replies: 17
Views: 2690

Re: Wellington vs. Total Market and CD's

I was contemplating selling Wellington and putting 65% into Total Stock Market and the balance into a CD paying 3%. I guess I'd just ask you the obvious question. Why do you want to make a change? Wellington has been my longest Vanguard holding and it has done quite well. But, I am leaning more and...
by Rob5TCP
Sun Sep 04, 2016 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington vs. Total Market and CD's
Replies: 17
Views: 2690

Re: Wellington vs. Total Market and CD's

hcj wrote:Where are there CDs paying 3%? Please share, I would like to have a CD paying 3% but all I can find are ones that pay about half that...


Andrews C.U. 7 year with a 6 month EWP. They've had this for a few months, so I am not sure how much longer it will go on.
by Rob5TCP
Sun Sep 04, 2016 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington vs. Total Market and CD's
Replies: 17
Views: 2690

Re: Wellington vs. Total Market and CD's

How about Balanced Index Admiral VBIAX at 0.08% expense, with a 60-40 mix? There is no need to rebalance. If the entire portfolio is in tax-advantaged accounts what you suggest is a good idea, but OP didn't tell us that. If even partially in taxable it probably will result in inefficiencies . PJW I...
by Rob5TCP
Sun Sep 04, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Wellington vs. Total Market and CD's
Replies: 17
Views: 2690

Wellington vs. Total Market and CD's

I hold both Total Market and Wellington as two of my largest equity positions (along with total market international). In the equity part, how much overlap is there between Wellington and Total Stock Market. I know it has a value lean: when I checked the first 15 stocks, most were also in Total Stoc...
by Rob5TCP
Sat Sep 03, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle's fondness for Cliff Asness (AQR Fund)
Replies: 8
Views: 1187

Re: Jack Bogle's fondness for Cliff Asness (AQR Fund)

I am quite close with Cliff's cousin and she is in Vanguard funds. She is very risk adverse and is pretty conservative with her money.
by Rob5TCP
Sat Sep 03, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Job Ideas for a disabled MD
Replies: 17
Views: 1992

Re: Seeking Job Ideas for a disabled MD

I emailed my friend who runs a computer systems house for 25+ years and has Macular degeneration for all that time. I will get more info from him next Tuesday for now: "Rob, We have a Foundation Fighting Blindness support group that meets in Manhattan. She could gain some information by attendi...
by Rob5TCP
Fri Sep 02, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Cardiff Park and John Gorlow
Replies: 12
Views: 832

Re: Cardiff Park and John Gorlow

If there minimum size portfolio is $1,000,000 and their minimum fee is $3000 per year - that would work out to about .3%
That looks to be their minimum % charge and for very large accounts, I presume it would be less.
by Rob5TCP
Fri Sep 02, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 3216

Re: Favorite Vegan Products

Bananas are metabolized slowly and are relatively low on the glycemic index

http://www.livestrong.com/article/25497 ... f-bananas/
by Rob5TCP
Fri Sep 02, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 3216

Re: Favorite Vegan Products

Frozen banana ice cream, make of nothing but frozen bananas in a food processor. It's insane how good they are, and seriously, it's nothing but frozen bananas in a food processor. Every bit as good as real ice cream, on the cheap and much healthier. I honestly can't believe anyone hasn't made a cha...
by Rob5TCP
Thu Sep 01, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Update error
Replies: 16
Views: 1023

Re: Windows 10 Update error

Each program has their own compatibility issues and codes. As a last resort - you might see if you can find some WinXP mode (usually 32 bit) that will work with legacy software. http://answers.microsoft.com/en-us/insider/forum/insider_wintp-insider_install/xp-mode-for-windows-10/a7305574-d664-471b-9...
by Rob5TCP
Thu Sep 01, 2016 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Should I terminate CD to get a better rate?
Replies: 38
Views: 2401

Re: Should I terminate CD to get a better rate?

I've cancelled 2 CD's to switch to this offer. One was from Synchrony 2.2% with a 6 month EWP (in the second year) and one was from Melrose 2nd year of a 2 year CD (1 year penalty, but a much lower interest rate). The third one was five years at 2.5% but a 1 year EWP plus interest is lowered to the ...
by Rob5TCP
Tue Aug 30, 2016 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Should I terminate CD to get a better rate?
Replies: 38
Views: 2401

Re: Should I terminate CD to get a better rate?

in_reality wrote:The interest penalty is tax deductible too!

At one time it was line 30 of your Form 1040.

Early-withdrawal penalties are Box 2 of Form 1099-INT.

Times may have changed....


These are IRA only CD's so I don't know that any tax deduction would be applicable.
by Rob5TCP
Tue Aug 30, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Should I terminate CD to get a better rate?
Replies: 38
Views: 2401

Re: Should I terminate CD to get a better rate?

I've closed two CD's to move them there. One was the first year of a 5 year 2.25% with a six month penalty and the other was in the second year of a 1.3% 2 year; essentially I lost most of the interest accumulated on the 2 year. My calculation showing me breaking even on the first in about 18 months...

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