Search found 2779 matches

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: 786

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: 1409

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...
by Rob5TCP
Sat Mar 25, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: planning to visit San Francisco for a short break
Replies: 23
Views: 1409

Re: planning to visit San Francisco for a short break

A bit out of the way but Muir Woods is an hour north of S.F. and is a beautiful redwood forrest (though on the smallish side)
An even nicer Redwood forest is Big Basin (an hour plus from S.F.), south of San Francisco, If you love big trees, either would be a treat.
by Rob5TCP
Sun Mar 19, 2017 12:16 pm
Forum: Investing - Theory, News & General
Topic: Risks of MLPs
Replies: 26
Views: 1639

Re: Risks of MLPs

An Interesting article on Marketwatch
it shows the drastic change in MLP prices over the past couple of years

http://www.marketwatch.com/story/need-i ... 2017-03-16

While it is pro MLP, it always demonstrates what can go wrong.
by Rob5TCP
Sun Mar 19, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: Risks of MLPs
Replies: 26
Views: 1639

Re: Risks of MLPs

One of the Largest was Kinder Morgan - ultimately they switched from the MLP format.
In 2015, over a period of months; Kinder Morgan lost 2/3 of it's value from 40+ to 12.
I am not sure if it was still an MLP at that point.

https://finance.yahoo.com/quote/KMI?p=KMI
by Rob5TCP
Fri Mar 17, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: Help with rebuttal to a Facebook post
Replies: 36
Views: 3819

Re: Help with rebuttal to a Facebook post

My memory comes up with the name of Bill Miller who ran a Leggs Mason Fund that for 15 or 20 years beat the S&P500. Sometime in the last 5-10 years he has drastically under-performed the market. He went from like the 90+% to the 10% percentile in performance for 1,3,5 and maybe 10 year performan...
by Rob5TCP
Thu Mar 16, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Rising cd rates
Replies: 11
Views: 1900

Re: Rising cd rates

The duration is almost 5; so if there should be a 1% increase in mortgage rates, if follows that this should drop about 5%.
You receive a higher rate for the slightly higher risk.
by Rob5TCP
Tue Mar 14, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Newbie help needed for online CD and Savings rates and strategies?
Replies: 6
Views: 391

Re: Newbie help needed for online CD and Savings rates and strategies?

When comparing brokered CD's to direct CD purchase consider the EWP. If your able to find a good yield with a 6 month EWP;
it just might be a much better "deal" than a brokered CD with a higher rate. With rates possibly rising a low EWP should be a major
consideration.
by Rob5TCP
Tue Mar 14, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Newbie help needed for online CD and Savings rates and strategies?
Replies: 6
Views: 391

Re: Newbie help needed for online CD and Savings rates and strategies?

The best site is Ken Tumin's blog. https://www.depositaccounts.com/blog/ Best rates for each period as of the end of February (Andrews C.U. rate is now lower) https://www.depositaccounts.com/blog/cd-rates-survey/ Twice a month he gives a summary of the best rates at each length plus how easy it is t...
by Rob5TCP
Tue Mar 14, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: The Party is Over: Andrews FCU drops rate on 7-year CD to 2.2%
Replies: 60
Views: 5796

Re: The Party is Over: Andrews FCU drops rate on 7-year CD to 2.2%

"Leif wrote:
Just missed it.

What is the "best" 5 year today?





If your willing to jump through hoops - this is probably the best 5 year right now. Kemba C.U.

https://www.depositaccounts.com/banks/k ... cu/offers/
by Rob5TCP
Sun Mar 12, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 132
Views: 21110

Re: USAA 2.5% Cash Back Credit Card

My AAA MasterCard pays 3% cash back on "qualified" purchases . Pays to the penny to your bank account. Card cost <$5 to open, gives you a $50 AAA credit The best Travel card I could find. 8-) What exactly are "qualified" purchases? The Chase 5% card sounds great, until you see w...
by Rob5TCP
Sun Mar 12, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: KEMBA 5 year CD 3% with large Caveat
Replies: 1
Views: 544

KEMBA 5 year CD 3% with large Caveat

Deposit accounts has a new listing for Kemba C.U. for a 5 year CD paying 3%. The EWP is half the earned interest. The big hassle if you must be an advantage member for the entire 5 years of the CD, To earn KEMBA Advantage member status, the following requirements must be met each month: (1) Have an ...
by Rob5TCP
Sun Mar 12, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: WSJ:Are Taxes Lurking in Your Tax-Free Retirement Account?
Replies: 5
Views: 1478

Re: WSJ:Are Taxes Lurking in Your Tax-Free Retirement Account?

From Forbes on IRAS and UBTI REITs (Real Estate Investment Trusts) This is another non-traditional investment opportunity and arises when a company that owns income-producing real property–such as an apartment complex, professional building or warehouse–offers investors (shareholders) ownership in t...
by Rob5TCP
Tue Mar 07, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds vs CD
Replies: 24
Views: 1821

Re: I-Bonds vs CD

I paid a one time fee (thought it was $5) and it's been good since. It's worked at several credit unions.
by Rob5TCP
Tue Mar 07, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds vs CD
Replies: 24
Views: 1821

Re: I-Bonds vs CD

Ashley -- there have been some debates on bonds vs. CD's; I-Bonds vs. CD's. Unless you feel there will be terrible unexpected inflation over the next 3-4 years, I would go with CD's. Currently the best option is 7 year Andrews Credit Union at 3% with a 6 month early withdrawal penalty. I've moved a ...
by Rob5TCP
Tue Mar 07, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9498

Re: GEICO auto rates vs. USAA: too good to be true?

When I first bought a car in NYC, 20+ years ago, GEICO was literally 50-60% below comparable bids. I also thought there must be something wrong. Every 5 years or so I do a comparison and GEICO still comes out way below.. Only one quote was lower than GEICO and I could find nothing definitive about t...
by Rob5TCP
Sun Mar 05, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Pay ibonds taxes on interest now or later?
Replies: 22
Views: 1301

Re: Pay ibonds taxes on interest now or later?

With I bonds you have a choice. You can pay the interest each year or when they are redeemed. Paying when they are redeemed, for many, would bump them up to a much higher tax rate. Redeeming each year, is less likely to have that affect. You are already in a high tax bracket so that may not be appli...
by Rob5TCP
Fri Mar 03, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Cooperative (co-op) unit - Questions to ask
Replies: 29
Views: 3373

Re: Buying a Cooperative (co-op) unit - Questions to ask

I've had experience with two coops. One that I owned (Tudor City) and one that I helped my friend with. Tudor city though it had high maintenance (due to the sponsor's high underlying mortgage) was tight with expenses and for 12 years had fairly minor increases in maintenance (mostly r.e. taxes and ...
by Rob5TCP
Fri Mar 03, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Cooperative (co-op) unit - Questions to ask
Replies: 29
Views: 3373

Re: Buying a Cooperative (co-op) unit - Questions to ask

Seeing that this conversation was from 2 years ago - what did the OP finally do?
And what was the outcome ?
by Rob5TCP
Wed Mar 01, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Meeting with Life Insurance Salesmen
Replies: 32
Views: 2208

Re: Meeting with Life Insurance Salesmen

Be professional when talking to him and clear. Assume this call may get listened to by people higher up in the company. He has a quota on both sales, number of calls and I believe even quality of the calls. You should have a disclaimer in the beginning that this call may be monitored for "quali...
by Rob5TCP
Tue Feb 28, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes going up for some in 2017
Replies: 46
Views: 4966

Re: Social Security Taxes going up for some in 2017

Yes, this year there was a much larger increase than in the past. Here is a chart of this year's increase vs. prior years: https://www.ssa.gov/OACT/COLA/cbb.html It was discussed here a few months ago http://www.vaonlinenews.com/2016/10/18/best-social-security-tax-jumps-7-2017-benefits-rise-just-0-3/
by Rob5TCP
Tue Feb 28, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes going up for some in 2017
Replies: 46
Views: 4966

Re: Social Security Taxes going up for some in 2017

Yes, this year there was a much larger increase than in the past.
Here is a chart of this year's increase vs. prior years:

https://www.ssa.gov/OACT/COLA/cbb.html
by Rob5TCP
Fri Feb 24, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Confirming reliable online banks for CDs
Replies: 8
Views: 721

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: 916

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: 289

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: 1770

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: 2362

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: 566

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: 454

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: 454

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: 290
Views: 13327

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: 590

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: 590

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: 590

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: 590

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 Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 39
Views: 5306

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: 2501

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: 2501

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: 2586

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: 1320

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: 918

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: 918

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: 918

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: 918

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: 918

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: 44
Views: 7763

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: 369

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: 5263

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: 4793

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: 10867

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...

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