Search found 2728 matches

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: 3178

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: 3178

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: 156
Views: 18185

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: 1231

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: 9131

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: 2000

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: 3966

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: 3966

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: 30
Views: 1780

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: 3966

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: 859

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: 11
Views: 1378

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: 2270

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: 434

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: 2266

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: 50
Views: 5799

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: 904

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: 988

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: 7267

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: 1160

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: 50
Views: 5799

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...
by Rob5TCP
Fri Dec 23, 2016 6:16 pm
Forum: Personal Consumer Issues
Topic: Samsung Exploding Washing Machines & CPSC Involvement
Replies: 50
Views: 5799

Re: Samsung Exploding Washing Machines & CPSC Involvement

After 3 postponements my washer was repaired last Saturday. They were good about the time of the appt; plus they give you a GPS tracker and you can see now close he is. It went fine (took about 45 minutes). My tenant was kinda freaked and said she will just continue to use the gentle cycle as that s...
by Rob5TCP
Fri Dec 23, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Where can I get some yield on my cash?
Replies: 16
Views: 1026

Re: Where can I get some yield on my cash?

Ally Bank has an 11 month no penalty CD yielding 1.25%
You must close it to get the money out; so if you may need some of it
open 5 $5,000 CD's rather than 1 $25,000 CD.

https://www.ally.com/bank/no-penalty-cd/
by Rob5TCP
Tue Dec 20, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: Cutting the cord in NYC, but I love my channels
Replies: 18
Views: 881

Re: Cutting the cord in NYC, but I love my channels

R2D2 wrote:Aha, thanks for investigating!

Probably not worth the switch.


You might want to check out RCN.
They were recently bought by another company (as was Time Warner)
and I would switch to them if FIOS didn't lower my rates when my "special"
runs out.
by Rob5TCP
Tue Dec 20, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: Cutting the cord in NYC, but I love my channels
Replies: 18
Views: 881

Re: Cutting the cord in NYC, but I love my channels

Spectrum (a/k/a TW) has been mailing specials for the past few weeks. The problem is 1. It's only for a year (FIOS and RCN had 2 year guarantees) 2. It's #$%#$%$%$ Time Warner 3. I believe HD is $5 more 4. Add in the whore taxes 5. DVR is free for first year 6. After 1 year price is $90 plus the BS ...
by Rob5TCP
Tue Dec 20, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Cutting the cord in NYC, but I love my channels
Replies: 18
Views: 881

Re: Cutting the cord in NYC, but I love my channels

I also have FIOS in NY and pay about $115 without showtime or HBO (I buy HBO two months a year and binge on the shows I am interested in). The gross rate is $85 but add in their whore "taxes" and it increases another $30 (so they can advertise a low rate). Every two years they raise me $30...
by Rob5TCP
Mon Dec 19, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: Coach bag for wife - how to buy
Replies: 73
Views: 5254

Re: Coach bag for wife - how to buy

I've bought a number of Coach and "Coach" bags over the past 5 years. We would be in Atlantic City and go to the outlet. Certain times they have genuine extras from the stores and she knows the difference. It is changing, but most of the stuff in the outlet stores were made for the outlet....
by Rob5TCP
Mon Dec 19, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Closing Credit Cards (Affect on Credit Score)
Replies: 4
Views: 376

Re: Closing Credit Cards (Affect on Credit Score)

One area that closing an account can affect your credit score: C.C. A has a 40,000 limit all your other cards together have a 10,000 limit IF you charge the say 3,000 a month You c.c. limit utilization jumps from roughly 6% up to 30%. That can negatively affect your score. I've heard, but no hard fa...
by Rob5TCP
Sat Dec 17, 2016 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone hiding out in short term CDs while rates rise?
Replies: 47
Views: 4342

Re: Anyone hiding out in short term CDs while rates rise?

travellight wrote:^could you get around that by having ten CDs of 15,000 each if you wanted to deposit 150,000?


No; certain specials had a total limit of $15,000 per member. You could probably have 15k for each of you and your wife.
by Rob5TCP
Sat Dec 17, 2016 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone hiding out in short term CDs while rates rise?
Replies: 47
Views: 4342

Re: Anyone hiding out in short term CDs while rates rise?

Hmm, I've partially completed my Andrews Fed application, and it did offer the 6 mos 3.0% cd, but said $1000 min/$15000 max. I never read in any of the Andrews post where there was a max. Have other gotten around this? Not sure if this is the right thread.... Earlier this year there was an 2% 18 mo...
by Rob5TCP
Sat Dec 17, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 76
Views: 8494

Re: Ally Bank 1.25% 11 month with no EWP

Mr. Gatti wrote:Or right now for up to $10K per taxpayer per year, you could get I bonds with a guaranteed minimum of 1.38%.


You can not redeem the first year and if redeemed before 5 years, there is a 3 month penalty.
by Rob5TCP
Sat Dec 17, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 76
Views: 8494

Re: Ally Bank 1.25% 11 month with no EWP

I'm already in the process of moving my banking from Bank of America and Synchrony (savings) and consolidating with Ally for simplicity. This sounds like a great way to store my E-Fund and get a risk-free yield that's higher than most Savings accounts. Is there any risk to this that I'm not seeing?...
by Rob5TCP
Sat Dec 17, 2016 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 76
Views: 8494

Ally Bank 1.25% 11 month with no EWP

Ally announced over the weekend an 11 month CD at 1.25% with no penalty for closing early. For very short term, it's a decent rate. The no penalty, should rates shoot up (or you just need access to your funds) allows a penalty fee closing (you can not partially close, so open multiple if you think y...
by Rob5TCP
Fri Dec 16, 2016 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: My "sleep well at night" number seems to be changing
Replies: 49
Views: 7989

Re: My "sleep well at night" number seems to be changing

I've watched International drag down my returns for multiple years now. Will it reverse next year - who knows. I keep roughly 25% of my equities in international. I re-balance once or twice a year. So far, my re-balancing has gone lower than just leaving it as it was. We shall see if it pays off in ...
by Rob5TCP
Fri Dec 16, 2016 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone hiding out in short term CDs while rates rise?
Replies: 47
Views: 4342

Re: Anyone hiding out in short term CDs while rates rise?

I have placed most of my short term (except for a 6 month cushion) in 7 year CD's with a relatively reasonable 6 month EWP. Unless I need that money by Sept. of next year; I should be ahead. After one year, I would still have a 1.5% return vs. substantially less in one year CD's. The longer I hold o...
by Rob5TCP
Tue Dec 13, 2016 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered CD question
Replies: 2
Views: 256

Re: Brokered CD question

For 1 year - it probably doesn't matter where you buy it. Probably higher rates at a credit union
Check here for the best rates:
https://www.depositaccounts.com/blog/
https://www.depositaccounts.com/blog/cd-rates-survey/
by Rob5TCP
Thu Dec 08, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 91
Views: 4454

Re: Where do you buy coffee beans?

I found CoffeeAM on this site a couple of years ago and have been buying from them since. Every once in awhile I try another roaster, but always ending up coming back to them. I I buy in smaller amounts than 5 lbs so it's always fresh.
Reasonable prices and free freight if you buy over $50.
by Rob5TCP
Wed Dec 07, 2016 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bonds a Good Investment Now?
Replies: 35
Views: 4689

Re: Are Bonds a Good Investment Now?

I am not sure why there are talk to put money into very long term CD, while interest rate is so low nowdays? Andrews CU is an exception, and I did hear it is not a place where you want to keep your money: please check ratings. Typical rates for 5yr CD at descent financial institutions is around 2%....
by Rob5TCP
Wed Dec 07, 2016 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bonds a Good Investment Now?
Replies: 35
Views: 4689

Re: Are Bonds a Good Investment Now?

One other options some Bogleheads have been using. Higher, long term CD (7 years). The current best one is from Andrews Fed C.U.; 3% yield for 7 years. The EWP is only 6 months so if rates do soar, your downside is limited. KevinM has several posts on this, as well as a few other members. He does a ...
by Rob5TCP
Wed Dec 07, 2016 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Penalized on Roth IRA withdrawal?
Replies: 12
Views: 968

Re: Mistakenly Penalized on Roth IRA withdrawal?

NORMALLY, withdrawals before age 59 1/2 and before it is open 5 years are subject to a 10% penalty


More details about returning withdrawals:
http://www.rothira.com/blog/can-you-ret ... tributions
by Rob5TCP
Mon Dec 05, 2016 6:38 pm
Forum: Investing - Theory, News & General
Topic: Sequence of returns risk. Using puts to hedge.
Replies: 26
Views: 1797

Re: Sequence of returns risk. Using puts to hedge.

One question - when do you by the LEAPS - for how many years out. What if the market is flat or relatively flat for a number of years. I did a couple of puts this summer (they will expire worthless) with the election on the horizon. It is another form of market timing. As others have stated, you may...
by Rob5TCP
Mon Dec 05, 2016 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 45
Views: 3561

Re: Fidelity or Vanguard

I agree the interface at Fidelity, as well as the research options are superior. However, I make about 10-20 small trades a year with the balance in index funds. For awhile I had all Fidelity funds (contra, low priced stock, Puritan and others). Over time I switched to Vanguard for their low cost fu...
by Rob5TCP
Sun Dec 04, 2016 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: buying land without realtor- advice
Replies: 25
Views: 2239

Re: buying land without realtor- advice

Probably best to find a local attorney that is familiar with this.
by Rob5TCP
Sat Dec 03, 2016 7:03 pm
Forum: Personal Consumer Issues
Topic: Who will run my Ethernet Cables for me?
Replies: 25
Views: 2769

Re: Who will run my Ethernet Cables for me?

I still use wired when I can. If going in walls I made sure they were plenum cables.
They have low smoke and low burn characteristics. They are more expensive, but if there
is ever a fire, they won't release the toxic gasses regular cables do.
by Rob5TCP
Sat Dec 03, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: another New York rental question
Replies: 39
Views: 2422

Re: another New York rental question

If she is going to consider areas of Brooklyn; make sure it is NOT reliant on the L Train . In about 2 years that line will be rebuilt because of major damage from hurricane Sandy. Living in areas utilized by that train will be a nightmare. Other lines will be affected by the overflow that will seek...
by Rob5TCP
Sat Dec 03, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 156
Views: 18185

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

I've never bought a cd before and wanted to know if I do the 3 month cd do I get the 3% after 3 months or do I have to leave it there for a year in order to get the full amount on the interest? I'd like to do this with my emergency fund of 6 months but not sure that I want to necessarily have it ti...
by Rob5TCP
Fri Dec 02, 2016 9:30 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 106
Views: 14282

Re: How much international stock? A suggestion.

lostdog wrote:Does Vanguard recommend 20% of the total portfolio go to International stocks? Or 20% of the equities portion?


20% of equities should be international.
by Rob5TCP
Fri Dec 02, 2016 5:46 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 156
Views: 18185

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

I've never bought a cd before and wanted to know if I do the 3 month cd do I get the 3% after 3 months or do I have to leave it there for a year in order to get the full amount on the interest? I'd like to do this with my emergency fund of 6 months but not sure that I want to necessarily have it ti...
by Rob5TCP
Fri Dec 02, 2016 7:57 am
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 156
Views: 18185

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

I've never bought a cd before and wanted to know if I do the 3 month cd do I get the 3% after 3 months or do I have to leave it there for a year in order to get the full amount on the interest? I'd like to do this with my emergency fund of 6 months but not sure that I want to necessarily have it ti...

Go to advanced search