Search found 3408 matches

by Rob5TCP
Sun May 24, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: CapitalOne Venture would not forgive annual fee
Replies: 32
Views: 1881

Re: CapitalOne Venture would not forgive annual fee

I've been a Cap1 customer for years. I did try a few years ago when I spent over 75K (mostly on client software) to get the fee waved. I've never had a late payment in 10+ years and thought they might give me a pass. NOPE. Kept the card and at 2% it is one of the best general reward numbers. This ye...
by Rob5TCP
Sat May 23, 2020 8:43 am
Forum: Personal Consumer Issues
Topic: Hertz is declaring bankruptcy
Replies: 73
Views: 7361

Re: Hertz is declaring bankruptcy

First depends what type of bankruptcy they pursue.

Worst case, get it reversed from your credit card.
All credit cards allow you to reverse a charge under
certain circumstances.
by Rob5TCP
Thu May 21, 2020 9:40 pm
Forum: Personal Investments
Topic: Signature FCU IRA Savings Rate 1.75%
Replies: 5
Views: 336

Re: Signature FCU IRA Savings Rate 1.75%

https://www.depositaccounts.com/banks/s ... union.html

Their financials seem good. But, the review are mixed to so-so. One states a 900 days EWP.
That is the steepest I've seen.

Do a little research on them at the above listing.
by Rob5TCP
Sat May 16, 2020 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.
Replies: 70
Views: 6015

Re: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.

I've had this in the past -- a one point every 6-7 months; almost always one card. It has gotten a bit better with the chip (and I scratch out the code on the back) so it can not be used for online purchases. Finally, I use Cap 1 virtual card numbers for all online purchases and keep them off except...
by Rob5TCP
Tue May 12, 2020 3:09 pm
Forum: Personal Investments
Topic: Ally Bank 1.25% savings .50 Moneymarket
Replies: 26
Views: 3661

Re: Ally Bank 1.25% savings .50 Moneymarket

Marcus NP is still 7 month 1.55% - though that will probably change soon. Their CD's of 1-4 years are still 1.6% but with a 270 day EWP. Their 5/6 year are still 1.65% with 365 day EWP. Plus you can make additions to your CD for up to 30 days after it is opened. You have 30 days following the day yo...
by Rob5TCP
Mon May 11, 2020 2:21 pm
Forum: Personal Investments
Topic: Ally Bank 1.25% savings .50 Moneymarket
Replies: 26
Views: 3661

Ally Bank 1.25% savings .50 Moneymarket

As of this morning -- the Ally Savings account is down to 1.25% and the moneymarket is now .50% If you can; check out the no penalty CD's as opposed to the savings accounts. No penalty is still 1.4-1.5% depending on the deposit level. Here is the notice from Ally The Federal Reserve’s actions to cal...
by Rob5TCP
Sun May 03, 2020 9:19 pm
Forum: Personal Consumer Issues
Topic: weather in middle NY state vs central NJ - personal experiences?
Replies: 19
Views: 1522

Re: weather in middle NY state vs central NJ - personal experiences?

This site won't give you anecdotal information but will give you a comparison
side by side of two locations
amount of rain, snow, freezing, hot weather, etc.

https://www.bestplaces.net/climate/
by Rob5TCP
Wed Apr 29, 2020 2:39 pm
Forum: Personal Investments
Topic: Did I Royally [mess up] spending $450 on USO today? Bought at $3.84 a piece
Replies: 38
Views: 4979

Re: Did I Royally [mess up] spending $450 on USO today? Bought at $3.84 a piece

If you bought at $3.84 each and kept it - it's up to $17.00 per share. So, you did great !!! https://finance.yahoo.com/quote/USO It had an 8:1 reverse split. Link: https://www.prnewswire.com/news-releases/uscf-announces-one-for-eight-reverse-share-split-for-the-united-states-oil-fund-nyse-arca-uso-...
by Rob5TCP
Wed Apr 29, 2020 2:24 pm
Forum: Personal Investments
Topic: Did I Royally [mess up] spending $450 on USO today? Bought at $3.84 a piece
Replies: 38
Views: 4979

Re: Did I Royally [mess up] spending $450 on USO today? Bought at $3.84 a piece

If you bought at $3.84 each and kept it - it's up to $17.00 per share.
So, you did great !!!

https://finance.yahoo.com/quote/USO
by Rob5TCP
Sun Apr 26, 2020 9:48 pm
Forum: Personal Investments
Topic: could this be a problem with Ally online savings accts?
Replies: 14
Views: 2515

Re: could this be a problem with Ally online savings accts?

Ally has a Texas Ratio of 4.72% (A+) A score over 100 is worrisome.
Ally is VERY solvent.
More info below

https://www.depositaccounts.com/banks/a ... tml#health
by Rob5TCP
Wed Apr 22, 2020 6:51 pm
Forum: Personal Consumer Issues
Topic: How are you doing laundry?
Replies: 15
Views: 1774

Re: How are you doing laundry?

I also live in a NYC apartment and won't use the laundry in the basement. <snip> Just out of curiosity what is your reluctance to use the laundry room in your basement? I also live in NYC in an apartment building and have yet to use the laundry room (during pandemic). The building is fairly small (...
by Rob5TCP
Wed Apr 22, 2020 3:57 pm
Forum: Personal Consumer Issues
Topic: How are you doing laundry?
Replies: 15
Views: 1774

Re: How are you doing laundry?

I also live in a NYC apartment and won't use the laundry in the basement. I bought quite a bit of new clothes -- all easy to wash synthetic fibers. I use my kitchen sink which is quite deep and wash there. It dries pretty quickly because polyester and other synthetics don't take too long to dry. Whi...
by Rob5TCP
Wed Apr 22, 2020 9:02 am
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 4995

Re: How much to tip on DoorDash?

For similar services I usually tip $5. During Covad I tip at least $10.
When ordering delivery directly from a local restaurant (4-5 blocks away) I tip $5 now and usually 20% of bill during normal times.
by Rob5TCP
Tue Apr 21, 2020 11:18 am
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 78
Views: 6814

Re: For those concerned about International Stocks...

I also have been "sucking up" and re-balance into international every year for a decade. When I see charts that show years of international out-performance, I wonder if it is just cherry picking. When I have time I will look at 30-50 years of domestic vs. international and see what the average is fo...
by Rob5TCP
Sun Apr 19, 2020 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: NY State Tax Return Status
Replies: 13
Views: 622

Re: NY State Tax Return Status

When I signed up; it also said my filing has been received (and nothing more).
I sent in my return 6 weeks ago.
by Rob5TCP
Sun Apr 19, 2020 6:33 pm
Forum: Personal Investments
Topic: Can an employee contribute to sep-ira?
Replies: 8
Views: 248

Re: Can an employee contribute to sep-ira?

This addresses the option at Vanguard directly:

https://20somethingfinance.com/sep-ira- ... ndividual/
by Rob5TCP
Sun Apr 19, 2020 12:44 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 137
Views: 14376

Re: Marcus or Ally

I've been looking for a second savings account (I currently use/like Ally) I applied both at AMX and Marcus to see which is the smoother of the two. So far Marcus is poor on several accounts. The website is clunky at best. When I called for assitstance, there was no pickup after 30 minutes (on a Sun...
by Rob5TCP
Fri Apr 17, 2020 10:01 pm
Forum: Personal Consumer Issues
Topic: How to deal with loud neighbor bass noise in NYC
Replies: 34
Views: 1801

Re: How to deal with loud neighbor bass noise in NYC

Frequently moving is not an option, especially if you have a great or a good rent. I've been in this situation and still have occasional noise that is annoying. I did try the noise neutralizing machines and they were of limited values. The only thing that really helped was the Bose QC25 headphones. ...
by Rob5TCP
Fri Apr 17, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Stimulus Charity?
Replies: 28
Views: 1584

Re: Stimulus Charity?

I'm thinking about taking half and tipping all the service people still working for low wages really well. $20 for the pizza delivery guy, $20 for the grocery store clerk.....Direct stimulus to working people that goes instantly into the economy, no overhead costs, no pet projects.... +1 Doing the ...
by Rob5TCP
Tue Apr 14, 2020 12:20 pm
Forum: Personal Investments
Topic: Ponzi Scheme?
Replies: 215
Views: 17355

Re: Ponzi Scheme?

It's already too late for the money that has been "invested". If they withdraw it now (even assuming they get paid) the bankruptcy receiver will come after them to make sure everyone's losses are proportional. Really? I would be surprised. Is there any differentiation between gains & principal? Bas...
by Rob5TCP
Sun Apr 12, 2020 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Citi website
Replies: 22
Views: 1547

Re: Citi website

Do you get the following message: "We're sorry. Citi.com is temporarily unavailable. Citi.com and Citibank Online are currently unavailable. If you need immediate assistance, please call 1-800-374-9700 (TDD/TYY: 1-800-788-0002). We apologize for any inconvenience and appreciate your patience." This ...
by Rob5TCP
Sun Apr 12, 2020 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Citi website
Replies: 22
Views: 1547

Re: Citi website

I have VPN (Private Internet Access) and I got the same message. When I turned it off (for a short time)
it worked perfectly.
by Rob5TCP
Tue Apr 07, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinders
Replies: 69
Views: 3129

Re: Coffee Grinders

A couple of reviews of coffee grinders. I just started looking for a good reasonable burr grinder

https://thewirecutter.com/reviews/the-b ... e-grinder/

https://nymag.com/strategist/article/be ... nders.html
by Rob5TCP
Mon Apr 06, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17136

Re: What will you do first, once COVID pandemic is over?

1 Hit some of my favorites restaurants 2. Catch a show 3. Afternoon in Central Park 4. Catch up with my clients 5. Do any last minute business problems 6. Since all clients are on remote -- I plan to take 6-8 weeks OUT of my apartment (which I am staying in exclusively). First to the Canadian Rockie...
by Rob5TCP
Mon Apr 06, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20126

Re: What are you doing for haircuts due to coronavirus shutdown?

It's been 5 months since my last haircut.
My hair is close to the length it was in college. A few more months
and it will be a lot longer. Don't mind at all.
by Rob5TCP
Sun Apr 05, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: Toaster Oven Recommendations
Replies: 48
Views: 8782

Re: Toaster Oven Recommendations

I bought the larger Breville during Amazon's "sale". It's the best toaster oven I've ever had. I don't use the oven in my apartment (actually store stuff in there). This bakes, toasts, and works very well with pizza. The newer models link to your cell phone, but in my small place it's not really nee...
by Rob5TCP
Mon Mar 30, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?
Replies: 46
Views: 4257

Re: [Netflix:] Can We Talk About Tiger King: Murder, Mayhem and Madness?

I have not seen Tiger King yet, but i am a donor (was) and quite familiar with Big Cat Rescue. I was at BCR about 2 years ago and made a contribution last year. I usually start small $100 and increase (sometimes substantially) if I find positive things about the charity. They had 4 stars on Charity ...
by Rob5TCP
Wed Mar 25, 2020 7:09 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 279
Views: 21020

Re: Are you still going to the grocery store or using a delivery service? Which?

Until recently I used Fresh Direct, but their spots have been impossible to get. I tried Wegman's through instacart and ended up paying $70 for about $40 worth of groceries (ordered over $200 and gave a $15 tip, plus $9 service charge and $6 delivery charge), I was expecting 4 -5 bags of groceries a...
by Rob5TCP
Sun Mar 15, 2020 9:41 am
Forum: Personal Finance (Not Investing)
Topic: 650 Credit Score, Want to Purchase Home
Replies: 8
Views: 642

Re: 650 Credit Score, Want to Purchase Home

There are several sites where you can do "what if" scenarios. What if I cut my balance on my cards to 15%; what if I pay on time for the next 6 months. It's not perfect, but it is useful. In your current situation, as stated by others probably the best options would be lowering the balance owed and ...
by Rob5TCP
Sat Mar 07, 2020 10:01 am
Forum: Personal Investments
Topic: New Simple IRA for small business questions?
Replies: 17
Views: 672

Re: New Simple IRA for small business questions?

From the IRS Site: When must contributions be deposited? Employee salary reduction contributions - within 30 days after the end of the month in which the amounts would otherwise have been payable to the employee (including self-employed individuals) in cash Employer matching or nonelective contribut...
by Rob5TCP
Fri Feb 28, 2020 9:52 pm
Forum: Investing - Theory, News & General
Topic: Please help me understand - SPCE ???
Replies: 10
Views: 766

Re: Please help me understand - SPCE ???

Saw this article about Reddit and it's affect on the markets. One part of the article discusses SPCE

https://www.bloomberg.com/news/articles ... ket-newtab
by Rob5TCP
Wed Feb 26, 2020 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fine Art: Appraisal and insurance concerns
Replies: 24
Views: 1000

Re: Fine Art: Appraisal and insurance concerns

I've had photographs that had appreciated substantially in the 20 years since I bought them. Originally I bought a "fine art" package to cover all that were valued under 20k. One piece has become well beyond that value and I keep it stored in an insured, "locker" for art pieces. I bought the same pi...
by Rob5TCP
Wed Feb 26, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Have my clients contribute to a charity in lieu of payment
Replies: 15
Views: 1148

Re: Have my clients contribute to a charity in lieu of payment

In the end, the tax savings aren't worth the problems that may ensue. I will probably stop giving until I have a really strong year and then donate a substantial portion of my income to a Donor Advised Fund. Then over the next 5-10 years donate money from the fund. I thought my other idea would allo...
by Rob5TCP
Wed Feb 26, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Have my clients contribute to a charity in lieu of payment
Replies: 15
Views: 1148

Re: Have my clients contribute to a charity in lieu of payment

BuddyJet wrote:
Wed Feb 26, 2020 10:19 am
Another vote for this being taxable as assignment of income.

https://www.irs.gov/businesses/small-bu ... ble-income
Questions answered - thank you very much.
Not the answer I was hoping for.
by Rob5TCP
Wed Feb 26, 2020 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Have my clients contribute to a charity in lieu of payment
Replies: 15
Views: 1148

Re: Have my clients contribute to a charity in lieu of payment

As far as charities, I could ask them if they had any favorites (that I also was inclined to contribute to)
This would only be offered to clients I have been working with for many years and have mutual trust with.
by Rob5TCP
Wed Feb 26, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Have my clients contribute to a charity in lieu of payment
Replies: 15
Views: 1148

Re: Have my clients contribute to a charity in lieu of payment

I was afraid it might be considered barter - or there would be some other law I was running afoul of.
I do have a DAF, but there are years my income is lower and i don't contribute to the DAF and I thought
this might be an end run around.
by Rob5TCP
Wed Feb 26, 2020 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Have my clients contribute to a charity in lieu of payment
Replies: 15
Views: 1148

Have my clients contribute to a charity in lieu of payment

Since I take the standard deduction (not mortgage); and most of my income comes from my business, i was considering an alternative way of making charitable contributions fully deductible. Near the end of the year I send a $2000 or more invoice to a client. I give them the option of paying the full a...
by Rob5TCP
Tue Feb 25, 2020 12:06 pm
Forum: Investing - Theory, News & General
Topic: Please help me understand - SPCE ???
Replies: 10
Views: 766

Re: Please help me understand - SPCE ???

This discusses a possible reason. This stock has heavy momentum -- whether it proves to be a good investment, time will tell.

https://www.marketwatch.com/story/one-o ... yptr=yahoo
by Rob5TCP
Sat Feb 15, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: I bought Consumer Reports lowest rated car...
Replies: 76
Views: 9349

Re: I bought Consumer Reports lowest rated car...

With Amazon ratings more and more becoming junk ratings (though fakespot helps); Consumer Reports and Wirecutter are among the two most reliable reviews around. There are specialty reviews, but they are usually very limited in the types of reviews they do. I still use C.R. (though for awhile I did t...
by Rob5TCP
Thu Feb 13, 2020 9:26 pm
Forum: Personal Investments
Topic: Delays in Vanguard Charitable?
Replies: 9
Views: 664

Re: Delays in Vanguard Charitable?

Was the check to an established charity or did VC have to do considerable research? Gill Vanguard does not check the charity you select - that is up to you. I selected the Sierra Club - they are not a 5013c but their foundation is. My check came back to me from the Sierra club and I cancelled and h...
by Rob5TCP
Tue Feb 11, 2020 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: NYC: Stay in rent stabilized apt. or buy a place?
Replies: 28
Views: 2447

Re: NYC: Stay in rent stabilized apt. or buy a place?

I've both owned (5 Tudor City place) and rented in the city (Sty Town) and I am staying as a renter. I enjoy my neighborhood (by the East Village) and when I looked at buying, the options always tended to favor renting. I have several investment properties and all did well but one (partially with mo...
by Rob5TCP
Mon Feb 10, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Not a diamond expert, is this a good deal?
Replies: 8
Views: 879

Re: Not a diamond expert, is this a good deal?

The $3400 looks to be an absurd price; just so they can "discount" it heavily. Total weight is 1 ct +/- .08 ct. Are you near a major city -- there are diamond districts in some of the larger. I would first check Blue Nile; they are much more TRANSPARENT on what you are buying. If this is 1 ct; what ...
by Rob5TCP
Sun Feb 09, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27381

Re: What is the best concert you ever witnessed?

in the 1980's:
Led Zepplin at Kezar Stadium
Talking Heads and the Dead Kennedy's at CBGB (probably the best punks, new wave bands at the time)

In the 1990's:
Rolling Stones / Living Colour in Miami

about 5 years ago
Epica at Grammercy Theater (Gothic Metal Band)
by Rob5TCP
Thu Jan 30, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Phone call spam. Do you get it at your office?
Replies: 16
Views: 829

Re: Phone call spam. Do you get it at your office?

My business line gets anywhere from 1-2 per day up to 10-15 on a really bad day. I signed up with Jolly Rodger telephone service. They had an analyzer that catches about 50% of the spam calls. Additionally, any calls with my 3 number prefix automatically is flagged by me. It's cut down about 90-95% ...
by Rob5TCP
Sun Jan 12, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Renting vs. Buying in Manhattan
Replies: 21
Views: 1856

Re: Renting vs. Buying in Manhattan

Why not have her rent for one year and then decide if she will stay for a lengthy time? Currently there is a ton of construction and far more units that can be absorbed in the next 5 years (with even more starting - though that is finally starting to slow down a bit). In the 1-5mil price range there...
by Rob5TCP
Thu Jan 09, 2020 6:13 pm
Forum: Personal Consumer Issues
Topic: Vanguard Security Key
Replies: 53
Views: 5322

Re: Vanguard Security Key

JohnFiscal wrote:
Thu Jan 09, 2020 4:09 pm
Speak of the devil, this article on SIM swapping just came out

https://krebsonsecurity.com/2020/01/sen ... -swapping/
I will stay with my landline being my primary backup to Vanguard in case I don't have my Key.
by Rob5TCP
Thu Jan 09, 2020 5:33 pm
Forum: Investing - Theory, News & General
Topic: Bond funds vs. CDs
Replies: 9
Views: 920

Re: Bond funds vs. CDs

At what interest rate would a cd seem like comparable to or better than a bond fund? If they are comparable; I will split evenly. I like the option to cash in my CD's with only a relatively small penalty. I don't like all "my fixed income eggs" in just bond funds or CD's; I like having both. There ...
by Rob5TCP
Thu Jan 09, 2020 3:15 pm
Forum: Investing - Theory, News & General
Topic: Bond funds vs. CDs
Replies: 9
Views: 920

Re: Bond funds vs. CDs

KevinM has written several posts evaluating bonds vs CD's with regard to risk/reward strategies. When the interest rate is close (or CD's have a higher rate); you have the option with a CD of a fairly inexpensive put option. If rates go up significantly there is usually a 6 month - 12 month interest...
by Rob5TCP
Thu Jan 09, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Virgin Mobile is now Boost Mobile
Replies: 8
Views: 1107

Virgin Mobile is now Boost Mobile

For anyone who uses Virgin Mobile (which I do); they will be converted to Boost Mobile within
the next few weeks. Whatever plan your on, will be the same at Boost Mobile (at least for now).
by Rob5TCP
Thu Jan 09, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: Vanguard Security Key
Replies: 53
Views: 5322

Re: Vanguard Security Key

So help me understand this — you can get a physical security key for 2FA, but if you do not have your key you can use the known insecure SMS 2FA? And there is no way to disable the insecure SMS portion? Correct. What Vanguard (V) could improve upon is to offer more user control over the 2FA backup ...