Search found 2862 matches

by Rob5TCP
Sun Sep 24, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 39
Views: 1205

Re: Do you subscribe to digital newspapers?

I subscribe digitally to the WSJ. A website mentioned here offered a 3 year subscription for $150 (it's now closer to $200). I also intend to subscribe to the NYT digitally. A friend of mine got me a 1 year free subscription to the Washington Post. The last physical newspaper I read was at an airpor...
by Rob5TCP
Fri Sep 22, 2017 7:52 am
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 18
Views: 1148

Re: I-Bonds?

I've been meaning to ask. Does it bother anybody that I-bonds are guaranteed to have a negative real return due to the eventual taxes that must be paid on the interest unless we have deflation so bad that 0% is a positive real return. On the other hand, TIPS funds purchased in a tax-protected accou...
by Rob5TCP
Fri Sep 22, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze or fraud alert?
Replies: 18
Views: 1080

Re: Credit freeze or fraud alert?

I've had a freeze on the big three for quite a number of years (read about it here first). Like the poster above, I also added a freeze on Innovis and Chex. Looking back over the past 5 years, I've needed to unfreeze about once every 2 years (usually to get a big bonus at a credit card). It was a mi...
by Rob5TCP
Fri Sep 22, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Help me solve: Not allowed access to savings at Canadian bank
Replies: 13
Views: 1701

Re: Help me solve: Not allowed access to savings at Canadian bank

Just came back from a 3 week trip to Edmonton/Banff. The airfare from NYC (50 days in advance) was only $450. Though the trip was 1 stop in Toronto. Depending on the amount being held and the length of the trip; your best bet (as stated) is to bite the bullet and go up there. Before going find out w...
by Rob5TCP
Thu Sep 21, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 83
Views: 17804

Re: Vanguard's new security key option

I am looking at the new security key options. Amazon has this one: https://www.amazon.com/Yubico-Y-158-YubiKey-4/dp/B018Y1Q71M/ref=sr_1_5?s=electronics&ie=UTF8&qid=1505579425&sr=1-5&keywords=fido+u2f+security+key Also on the site is this one at half the price and under questions answered says it wo...
by Rob5TCP
Wed Sep 20, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 83
Views: 17804

Re: Vanguard's new security key option

I am looking at the new security key options. Amazon has this one: https://www.amazon.com/Yubico-Y-158-YubiKey-4/dp/B018Y1Q71M/ref=sr_1_5?s=electronics&ie=UTF8&qid=1505579425&sr=1-5&keywords=fido+u2f+security+key Also on the site is this one at half the price and under questions answered says it wor...
by Rob5TCP
Tue Sep 19, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4295

Re: Costco vs sams club vs neither.

I had access to both (mine was Costco hers was Sam's). I found that if I went to Sam's I bought what I intended to get and that was it. If I went to Costco I ended up getting 2-3x times what I had on my list. They were usually good purchases and values. I only go to Costco now. Sam's (to me) was a w...
by Rob5TCP
Mon Sep 18, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4710

Re: USPS lost very important certified mail - What next?

A couple of years ago I sent a certified check by 2 day Priority Express mail - 3 weeks later it arrived. I was prepared to go to the bank and put up additional monies to cancel the certified check. This was the third incident with express mail in two years; their tracking is useless. When it finall...
by Rob5TCP
Sat Sep 16, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Why are so many Chinese visiting my website?
Replies: 14
Views: 2427

Re: Why are so many Chinese visiting my website?

My website (run by Godaddy) gets 1/2 of its hits from China. There is NOTHING in my services (IT) that would be even the vaguest of uses for Chinese companies. MY site is strictly to look for new business. My current clients really never look at my site. I also get plenty of visitors from India (and...
by Rob5TCP
Sun Sep 10, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3431

Re: Trip to Banff / Lake Louise / other places

Now back in Edmonton and returning to NY in a few days. Marble and Johnson Canyon were great little hikes. Nice views and not too strenuous for her. We also did Bow Valley, Tunnel Mountain / Hoodoos and the wildlife tour from Discover Banff (got some great shots of an Elk and his "harem"). On the wa...
by Rob5TCP
Sat Sep 09, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: GPS watch
Replies: 7
Views: 680

Re: GPS watch

I find the Fitbit software to be the most comprehensive. I will read the reviews for the Ionic and if they are strong, I will go with the Ionic. I have the FItbit 1 and Charge 2 and use both (for different scenarios). To me, the accompaning software is the most telling.
by Rob5TCP
Wed Aug 23, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Computer Backup Software With Accompanying External Drive
Replies: 10
Views: 782

Re: Computer Backup Software With Accompanying External Drive

You have an archiving option
I select 6 levels
it holds 6 back copies of deleted files (replaced actually)
(per day of the week - so up to 6 weeks of backups)
I also setup monthly and quarterly backups for archiving.

This is not an image backups but a file by file backup.
by Rob5TCP
Wed Aug 23, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Computer Backup Software With Accompanying External Drive
Replies: 10
Views: 782

Re: Computer Backup Software With Accompanying External Drive

I use a three W/D Black drive with Second Copy software I set it to only copy changed files. I do not need to copy 300GB files that rarely change -- only the 5-10 that do. I have it set for backups each night -- going to a different drive IE M-W-F to one and T-Th-S to the second and Sunday to a thir...
by Rob5TCP
Wed Aug 23, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3431

Re: Trip to Banff / Lake Louise / other places

Thanks for the good tips. I leave for Canada tomorrow
and Canmore about 8 days later.
by Rob5TCP
Mon Aug 21, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3431

Re: Trip to Banff / Lake Louise / other places

Hopefully it will be a little less busy when you arrive. Marble canyon has a lovely hiking path beside it that has wonderful wide open vistas because of a forest fire that passed through a decade or two ago. Another great place to visit is the Whyte Museum of the Canadian Rockies in Banff. It is an...
by Rob5TCP
Sun Aug 20, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3431

Re: Trip to Banff / Lake Louise / other places

In my opinion Marble Canyon is a better place to visit than Johnson Canyon, but to each their own. If you go to Mable Canyon have a meal at the rustic Storm Mountain Lodge. We live in Canmore, retiring here about 10 years ago. Wonderful town with a very young active population. We particularly like...
by Rob5TCP
Sun Aug 20, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3431

Re: Trip to Banff / Lake Louise / other places

I'll second the recommendation for Johnston Canyon. It's always one of my favorites on a visit to Banff. Plan to do the walk to the lower falls and, if you're up to it, to the upper falls as well. As a kid we stayed at the Johnston Canyon Bungalo Camp (now it's called Johnston Canyon Resort). Certa...
by Rob5TCP
Sat Aug 19, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: CIT 11-Month No-Penalty CD 1.45%
Replies: 2
Views: 402

Re: CIT 11-Month No-Penalty CD 1.45%

So would just make sense to break them up into smaller amounts in case you needed to withdraw. I.E. four CDs at $5K each instead of one for $20K. I did that a couple of months ago when Ally had the 1.25% 11 month no penalty (1.5% if over 25k) If it was a bigger difference I would cancel the Ally an...
by Rob5TCP
Sat Aug 19, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Do I have a computer virus?
Replies: 13
Views: 1626

Re: Do I have a computer virus?

Two thoughts. Firstly, the update procedure should create "restore points" as part of the process. You can revert your computer to the last known good "restore point" when your computer was running well. You may lose the "benefits" of the "update," but I am skeptical that they are worthwhile benefi...
by Rob5TCP
Sat Aug 19, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3431

Re: Trip to Banff / Lake Louise / other places

We've definitely decided on Royal Tyrrell - still undecided on Dinosaur Prov Park. Dinosaur Provincial Park is another 2+ hours east from Royal Tyrrell. We've done it once and didn't feel the need to go back with any of our visitors, it's just too much additional driving time. On the way to Royal T...
by Rob5TCP
Sat Aug 19, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: CIT 11-Month No-Penalty CD 1.45%
Replies: 2
Views: 402

CIT 11-Month No-Penalty CD 1.45%

For short term, there is a new options. CIT has a new 11 month no penalty CD at 1.45%.
You must close and withdraw the full amount if you are taking out early.

From DepositAccounts.com

https://www.depositaccounts.com/banks/cit-bank/offers/
by Rob5TCP
Fri Aug 18, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 49
Views: 3937

Re: Bose Noise Cancelling Headphones

I did notice one site with a sale on the QC35 headphones for $300

https://www.spoofee.com/bose-quietcomfo ... als/897997
by Rob5TCP
Thu Aug 17, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 15973

Re: Lost $7000 today in ONE DAY!

Hi everyone, I lost $7000 today in one day. My portfolio is below. Ironically, I've just returned from a store where I was arguing with a cashier over 0.50 cents! Got home and saw that the portfolio went down by $7k... :oops: Should I change the allocation if this kind of downswing bothers me? :con...
by Rob5TCP
Thu Aug 17, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3431

Re: Trip to Banff / Lake Louise / other places

I've been to Edmonton, AB, Canada several times and we have gone to Banff twice (and love it there). This trip we will be 5 days in Canmore (near Banff); 4 days in Edmonton (where she is from); 1-2 days around Lake Louise; Considering 1 day at the Yamnuska Wolfdog Sanctuary (closest we will probabl...
by Rob5TCP
Thu Aug 17, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Beam 2-4% APY
Replies: 8
Views: 974

Re: Beam 2-4% APY

http://www.getrichquickish.net/2017/07/beam-high-interest-rate-bank-account.html Depending on the popularity of our wait list from now until our expected beta release starting from Oct 31, the account maximum will likely be somewhere between $50,000 – $150,000. Curious what their game is. I'm not s...
by Rob5TCP
Thu Aug 17, 2017 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Beam 2-4% APY
Replies: 8
Views: 974

Re: Beam 2-4% APY

It seems several other sites have discussed this "bank" with less than satisfactory answers.

http://www.getrichquickish.net/2017/07/ ... count.html

https://www.doctorofcredit.com/beam-rev ... y-no-fees/
by Rob5TCP
Thu Aug 17, 2017 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Beam 2-4% APY
Replies: 8
Views: 974

Re: Beam 2-4% APY

Here is their IP Address info

http://meetbeam.com.ipaddress.com/

https://ipinfo.io/54.93.37.149

Their Facebook page: https://www.facebook.com/meetbeam/?ref=page_internal

I will check this out - but will be very cautious before I send any money.
by Rob5TCP
Thu Aug 17, 2017 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Beam 2-4% APY
Replies: 8
Views: 974

Re: Beam 2-4% APY

IF they really are FDIC insured -- then it could very well be legitimate. My guess i their moneymarkets DON'T pay 2-4% but their CDs do. And I would guess it is closer to 2%. Setup a disposable email address and go on the list. I will check them thoroughly before I give my SS# to setup an account. T...
by Rob5TCP
Sat Aug 12, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3431

Re: Trip to Banff / Lake Louise / other places

Alexa9 wrote:
Sat Aug 12, 2017 8:48 pm
I thought this was a good list, see for yourself:

https://www.youtube.com/watch?v=wETgdf9FM-4
Great video - we are definately going to do a cruise. Last time we were there the Gondola was already closed - that's on our list for this trip.
Will also check out some other videos -- good idea.
by Rob5TCP
Sat Aug 12, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3431

Re: Trip to Banff / Lake Louise / other places

Looks like you already know what to do. I've vacationed in the area and I have family in British Columbia so I travel every year to the area. One of the things that I thought was worth the expense was to spring for the Fairmount hotels in Banff and Lake Louise. It made our trip so much memorable an...
by Rob5TCP
Sat Aug 12, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3431

Re: Trip to Banff / Lake Louise / other places

Any Bogelheads from Alberta - or vacationed there ?
by Rob5TCP
Sat Aug 12, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3431

Trip to Banff / Lake Louise / other places

I've been to Edmonton, AB, Canada several times and we have gone to Banff twice (and love it there). This trip we will be 5 days in Canmore (near Banff); 4 days in Edmonton (where she is from); 1-2 days around Lake Louise; Considering 1 day at the Yamnuska Wolfdog Sanctuary (closest we will probably...
by Rob5TCP
Wed Aug 09, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5396

Re: Oregon road trip help

One overlooked spot, I always liked, was Sea Lion Caves. You walk or take an elevator down
to a cave with hundreds of sea lions are year round inhabitants.

It's in Florence.
Yes, it is commercial - but the cave is natural and it is a site to behold.

http://www.sealioncaves.com/tickets.php
by Rob5TCP
Mon Aug 07, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Cap One Money Market 1.1% - any need for CD's?
Replies: 4
Views: 445

Re: Cap One Money Market 1.1% - any need for CD's?

Perhaps Ally Bank 11 month 1.5% with a no penalty withdrawal.
It's only $400 more, but still it's an option.

https://www.ally.com/bank/no-penalty-cd/
by Rob5TCP
Fri Aug 04, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Charitable Gift Annuity - Pros vs Cons
Replies: 11
Views: 857

Re: Charitable Gift Annuity - Pros vs Cons

I just did a random with Stanford Univ age 75 female should we receive $5,800 per year for life; plus a substantial tax break (if in a high bracket $41,000 at 35% worth roughly $14,000). At immediate annuities; it would be $682 per month $8,184 per year; but without the tax break. On strictly dollar...
by Rob5TCP
Sat Jul 22, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medical malpractice attorney - how to find?
Replies: 29
Views: 2201

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: 87
Views: 9794

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: 1175

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: 12
Views: 3835

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: 717

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: 1843

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: 1467

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: 3877

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: 14583

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: 9207

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: 9289

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: 1408

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: 1408

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: 4187

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...