Search found 3227 matches

by Rob5TCP
Sat May 18, 2019 12:28 pm
Forum: Personal Investments
Topic: 4.50% Callable CD vs Bonds
Replies: 5
Views: 891

Re: 4.50% Callable CD vs Bonds

This seems awful. It's callable. You can get 3% and more on 5-10 year CD's now. (Some c.u. have been offering 3.5% and more sporadically). And should rates raise significantly you can usually cash in with an EWP. These are callable by the issuer should interest rates fall; but your stuck if rates ri...
by Rob5TCP
Fri May 17, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 15
Views: 1214

Re: Capital One Eno

seems like a whole lot of hassle for something that is already zero liability. +1 Or am I missing something? In a 2 year period, my card was compromised 3 times. Since the chip and virtual card #'s; I've not had one compromised card. I am not worried about the liability; it's the hassle of replacin...
by Rob5TCP
Fri May 17, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 15
Views: 1214

Re: Capital One Eno

I use Eno too, but I don't use it everywhere. For Amazon, Apple, etc., I use my preferred credit card directly. But if I'm paying for a subscription, buying lawn mower parts online from a store in Tennessee*, or putting in a credit card number for a free trial**, I will use Eno. I can restrict the ...
by Rob5TCP
Thu May 16, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Impossible Burger At Home
Replies: 35
Views: 2710

Re: Impossible Burger At Home

I've bought Beyond Meat several times. Being a vegie, I'm not the best one to compare. My carnivore friends tell me it makes a good burger, but certainly not a great one. The local Fairway, frequently is out of it; so it seems to have more demand than product. (also Fresh Direct used to have it). Th...
by Rob5TCP
Wed May 15, 2019 12:53 pm
Forum: Personal Investments
Topic: One time fee only advisor - costs?
Replies: 20
Views: 1788

Re: One time fee only advisor - costs?

For a few hundred dollars, it would be worth it to me
to get a second opinion (objective, fixed fee, non
commission advisor).
by Rob5TCP
Tue May 14, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 15
Views: 1214

Re: Capital One Eno

Yes I suppose. Not to sound cynical, but it is also a good way for the bank to collect data on your surfing habits even when you're not using the card. Still, I've been in the habit of using it for years and I will continue to do so. When I tried to make a library donation recently with the same vi...
by Rob5TCP
Tue May 14, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 15
Views: 1214

Re: Capital One Eno

Old thread, but hey it's only one post. I love Capital One Eno. It took me a while to get the hang of it, though. What is it? What I'm wondering, though, is does it really help protect against fraud? Most of the websites that I dare to use a card with already have good security. And, if someone wan...
by Rob5TCP
Tue May 14, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 15
Views: 1214

Re: Capital One Eno

It's been great !! Currently i use it at over 50 sites. I close that # as soon as I finish the purchase. Then re-open when I wish to make another purchase. Monthly sites I leave open. This is far more secure than just using my one c.c. number at 50 different sites. Great idea. Should have been imple...
by Rob5TCP
Mon May 13, 2019 5:35 pm
Forum: Investing - Theory, News & General
Topic: How Vanguard ETF and MF works
Replies: 2
Views: 541

Re: How Vanguard ETF and MF works

That's what happens when Vanguard clients are the "owners".
Always looking to lower costs and taxes.
by Rob5TCP
Mon May 13, 2019 4:32 pm
Forum: Personal Investments
Topic: Email to my Edward Jones Rep
Replies: 46
Views: 4177

Re: Email to my Edward Jones Rep

While you don't need to have him do the transfer, you can be nice about the change. I would have Vanguard or Schwab or whomever start the transfer. But, send him a note/email thanking him for his time and expertise. But, now your ready to move on. No exchanges or reasons for him to overcome any obje...
by Rob5TCP
Sat May 11, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Brother in law using our address
Replies: 12
Views: 1658

Re: Brother in law using our address

When I was in my 20's I was moving around constantly. I used my brother's address for important
mail and picked it up every Saturday. I probably moved at least once a year and some years
more than that. I was pretty good about paying my bill back then.
by Rob5TCP
Fri May 10, 2019 2:14 pm
Forum: Personal Investments
Topic: Time to fire the financial assistant. Help me with the courage.
Replies: 41
Views: 3932

Re: Time to fire the financial assistant. Help me with the courage.

If you don't want to have the talk a polite email will do. Thank you for all you do for my Mother but I am transferring my account to Vanguard. Your help in expediting this is appreciated. Respectfully XXX Let Vanguard, or whomever you choose handle that transfer (unless you have private equity or a...
by Rob5TCP
Wed May 08, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: B&H Photo will pay your sales tax [payboo]
Replies: 21
Views: 2424

Re: B&H Photo will pay your sales tax [payboo]

I buy frequently from B&H. Whether it's enough of a "rebate" to open another card is a different issue. I agree, this makes no sense. Since pricing is so easy to check, they can not raise overall prices to compensate. IS this just a sales plan to take sales away from Amazon (which is fine with me). ...
by Rob5TCP
Wed May 08, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Houseplants
Replies: 17
Views: 1480

Re: Houseplants

A snake plant that won't die. Plus I started with Bonsai - 7 died and the finally 4 are doing fairly well (a grow light; plus regular watering, and only growing the easiest/hardiest bonsai -- 2 ficus and 2 elephant bush. Not the easiest way to begin with house plants. I plan on getting several more ...
by Rob5TCP
Tue May 07, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 60
Views: 3898

Re: Anybody try the Blue Apron or the like?

I used Veestro - which is vegan; but their meals are prepared and frozen. While the quality doesn't approach the freshly prepared; they are far superior to any frozen meals (and higher in nutrition) I've bought before. I get 1 or 2 deliveries a month with 10 frozen meals. The packaging is mostly rec...
by Rob5TCP
Mon May 06, 2019 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: evaluating charities, EDF ?!?
Replies: 5
Views: 303

Re: evaluating charities, EDF ?!?

I am evaluating (on a spreadsheet) all charities I give to. I categorize by type (environmental, children, wildlife, wilderness, etc). I do give to EDF, but it is not the highest environmental group amount I give. I evaluate by charity navigator (if I give substantial amounts, I read the 990 reports...
by Rob5TCP
Wed May 01, 2019 7:54 am
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 200
Views: 15722

Re: Biggest Investment Mistake

Right after college, my "friend" became a stock broker. He advised on a silver mine in Arizona that was producing great early reports (during the 80's silver boom). I wanted to go wild with this but my father limited me to 100 shares. So, I invested $600 in this silver mine. Three weeks later Bob ca...
by Rob5TCP
Mon Apr 29, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Internet and computer safety
Replies: 13
Views: 855

Re: Internet and computer safety

Malwarebytes is a good "second scanner" for your system. It's not useful as the primary. I also use HitmanPro Alert for an weekly scan. Also make sure your operating system is reasonably up to date. Because some of the MS updates have bugs, I have my updates delay 7-10 days before installing. This g...
by Rob5TCP
Sun Apr 28, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversions at age 70?
Replies: 12
Views: 921

Re: Roth conversions at age 70?

ASAIK, Conversions can only be done AFTER RMD are taken.
I just checked - this goes into better detail. Of course QCD,
can be used to minimize taxes for their charitable contributions.

http://money.com/money/3835309/retireme ... tion-roth/
by Rob5TCP
Sun Apr 28, 2019 12:28 pm
Forum: Personal Investments
Topic: Investing in a Broadway show production
Replies: 38
Views: 3534

Re: Investing in a Broadway show production

Quite a number of years ago (when I was a volunteer in an arts organization); I was asked to be an investor in an off Broadway show. After examining I declined, but I did end up investing (becoming a patron) of an OOB (off off Broadway) theater. I gave for a number of years and I found it quite exci...
by Rob5TCP
Sun Apr 28, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Are these 50% off Netflix cards a scam ?
Replies: 8
Views: 1256

Re: Are these 50% off Netflix cards a scam ?

RickBoglehead wrote:
Sun Apr 28, 2019 10:40 am
0 results found, sounds like a scam. :)
I just ran it and it found 21 results -- some heavily reviewed.

https://www.ebay.com/sch/172009/i.html? ... c&_udlo=10
by Rob5TCP
Sun Apr 28, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Are these 50% off Netflix cards a scam ?
Replies: 8
Views: 1256

Are these 50% off Netflix cards a scam ?

I noticed on Ebay there are a lot of sites selling Netflix gift cards for 50% off face value. Has anyone used these. Are they stolen; or just cards people don't use? Some have 2-3 reviews and others have hundreds. https://www.ebay.com/sch/172009/i.html?_from=R40&_nkw=netflix%2050%20gift&_sop=15&rt=n...
by Rob5TCP
Sun Apr 28, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Taxes: marginal rate now vs effective rate in retirement
Replies: 198
Views: 9169

Re: Taxes: marginal rate now vs effective rate in retirement

We had a bit of this discussion at our recent local Bogleheads group. One exception, if you live in a high tax state that allows deductions for an IRA AND doesn't tax withdrawals from pension plans. NY allows 20K withdrawals from an IRA each year. I have just started converting my SEP to a Roth. I p...
by Rob5TCP
Fri Apr 26, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Noise-canceling headphones.
Replies: 19
Views: 1684

Re: Noise-canceling headphones.

I ordered two pairs of these for $53/each this morning. A year ago they were selling for $270. I'll let you know how they work when I get them next week. Based on reviews, the noise cancelling isn't up to par with Bose, but a very significant percentage of the reviews say they sound better and the ...
by Rob5TCP
Fri Apr 26, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Considering purchasing a new point-and-shoot camera
Replies: 25
Views: 1474

Re: Considering purchasing a new point-and-shoot camera

A couple of years ago I upgraded my Canon S100. I took the Boglehead approach and went with the Canon G9X when Canon had a big sale ($239). In bright light there aren't great differences (except when blowing up or heavy cropping). But in low light, the differences are significant. When I first bough...
by Rob5TCP
Tue Apr 23, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: USPS In transit Arriving Late
Replies: 37
Views: 2932

Re: USPS In transit Arriving Late

I have found with USPS when something is really late -- it eventually shows up and in some cases all of the history suddenly appears. I don't know if it was a software glitch or someone "back filled" the entire shipping history. If I REALLY need something to be there in 2-3 days; I don't use priorit...
by Rob5TCP
Tue Apr 23, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: What, if anything, do I owe this guy?
Replies: 82
Views: 8073

Re: What, if anything, do I owe this guy?

Just say thank you for your time, but I've made other plans. DO NOT respond to why you changed your mind or what you are doing. He is a salesman and is well versed is overcoming objections. 2% is one of the highest %'s I've heard. They are usually from .5/.75 up to 1.5% (and those are too high). Kee...
by Rob5TCP
Sun Apr 21, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: CFP [Anyone here taken the CFP exam?]
Replies: 12
Views: 1630

Re: CFP

These earlier posts might prove helpful.

https://www.google.com/search?sitesearc ... q=CFP+test
by Rob5TCP
Sat Apr 20, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3623

Re: Windows 7 end of support - Jan 14, 2020

I still use Windows XP which is in a Dell Desktop from 2004. I do not use it for internet use. I use it daily for all financial matters using Money 2002. I copy all of those considerable files (22 years or more) twice a week via an Easy Computer Transfer Cable to a 2010 Toshiba laptop using Windows...
by Rob5TCP
Sat Apr 13, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Geico price too low??
Replies: 13
Views: 1156

Re: Geico price too low??

When I first checked for auto insurance GEICO was literally less than 1/2 of 4 other places I tried (Progressive was not around then). As for renters and umbrella, GEICO writes the umbrella policy, my renters is with Traveler's (but listed on the GEICO site). I've not had dramatic increases (though ...
by Rob5TCP
Thu Apr 11, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Bose QC25 or QC35
Replies: 19
Views: 999

Re: Was going to purchase Bose QC25, buy fakespot gave it an F, help

[Thread merged into here, see below. --admin LadyGeek] Folks, thanks for your input on the QC25 vs QC35. I have decided to go with the QC25, but when running fakespot on the Amazon QC25 page, it gives it a big fat F in terms of review quality. I've heard there good headphones, but now am wondering ...
by Rob5TCP
Thu Apr 11, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: Bose QC25 or QC35
Replies: 19
Views: 999

Re: Bose QC25 or QC35

I have the qc20 and qc25. The qc20 are more lightweight but I use the 25s more often as I find the noise cancelling superior. If you're worried about hooking up to the planes entertainment I see no reason to get the 35s, you pay more just for the wireless and rechargeable. Aaa batteries are cheap a...
by Rob5TCP
Fri Apr 05, 2019 6:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 148
Views: 12684

Re: Vanguard Announces Plans to Launch Commodities Fund

Will this now become the preferred choice over PCRIX - Pimco Commodities Real Return - for those of us foolish enough to still own these things? Ten yrs ago I followed the debate and purchased PCRIX. Because of the wisdom here, I cut my purchase by almost 60% ($10k vs. $25k). Even with re-balancing...
by Rob5TCP
Mon Apr 01, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Newlyweds considering moving to NYC...advice and insight appreciated.
Replies: 51
Views: 4472

Re: Newlyweds considering moving to NYC...advice and insight appreciated.

I lived on East 89th 20+ years ago and parking was no fun back then. I live downtown now and have a parking spot. It used to be fairly easy near Sty Town to park -- that changed after 9/11. Where are you planning to live. Far enough North, parking is easier. I drive to friends above 96th street (108...
by Rob5TCP
Sun Mar 31, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4785

Re: High School Senior Pictures

I just checked Craigslist (NYC) and there were a ton (507) of photographers taking graduation / Wedding / dating webiste photographs. and others; many for far less than $500. If your near a large enough town; there might be a section there with lots to choose from. Most have samples of their work (a...
by Rob5TCP
Thu Mar 21, 2019 8:18 pm
Forum: Personal Investments
Topic: SEP IRA at Vanguard
Replies: 3
Views: 280

Re: SEP IRA at Vanguard

PS a few months back I purchased a brokered CD from Vanguard. It takes a bit to get used to it;
but worth looking at.

https://personal.vanguard.com/us/FixedIncomeHome
by Rob5TCP
Thu Mar 21, 2019 1:51 pm
Forum: Personal Investments
Topic: SEP IRA at Vanguard
Replies: 3
Views: 280

Re: SEP IRA at Vanguard

You can buy individual bonds or brokered CD's at Vanguard which will give you a guaranteed nominal return (return ignoring any affect from inflation). It's one of your options.
by Rob5TCP
Fri Mar 15, 2019 8:40 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisor Fees
Replies: 6
Views: 731

Re: Vanguard Personal Advisor Fees

Those fees only cover the advisor fees.
However, Vanguard fees are usually less than .1%
and in many cases less than .05%.
So, your total costs are probably .33 - .40%.
by Rob5TCP
Fri Mar 15, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 54
Views: 3259

Re: 2 days in New York City

Almost forgot, the new High Line - which connects to the new Hudson Yards (just opened
and currently mobbed).

https://www.thehighline.org/

https://www.hudsonyardsnewyork.com/
by Rob5TCP
Fri Mar 15, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 54
Views: 3259

Re: 2 days in New York City

This site will give you a general idea of what shows are available (and times it is live): https://www.tdf.org/nyc/81/TKTS-Live Chinatown for the food and the general vibe ( though it is gradually becoming more upscale -- but right now still more like it's traditional "role"). As mentioned earlier, ...
by Rob5TCP
Wed Mar 06, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Good VPN?
Replies: 35
Views: 4236

Re: Good VPN?

Tom's guide reviewed various top VPN's and selected
Express VPN as it's top 4.5/5
with
Private internet Access
Nord VPN
IP Vanish
Cyberghost
all at 4/5

https://www.tomsguide.com/us/best-vpn,review-4292.html
by Rob5TCP
Sun Mar 03, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Picking a VPN -- 2019
Replies: 9
Views: 1698

Re: Picking a VPN -- 2019

I have been using Private Internet Access (PIA) for 3 years. Their service has been
excellent. On sale, I usually pay about $35 per year for 2 years.
by Rob5TCP
Sat Mar 02, 2019 1:44 pm
Forum: Investing - Theory, News & General
Topic: Is Ally savings account or CD?
Replies: 7
Views: 663

Re: Is Ally savings account or CD?

As far as a savings account or CD, see what the rules are for withdrawing.
They might requite you to cancel the entire CD when you withdraw.
So, unless, multiple CD's are viable; the savings is probably a better choice.
by Rob5TCP
Sat Mar 02, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: Is Ally savings account or CD?
Replies: 7
Views: 663

Re: Is Ally savings account or CD?

If you do a early withdrawal in after 6 months; your interest is more like 1.4%.
It's only 2.3% if you do it near the end. You have to prorate your returns if you do
an early withdrawal.

If you suspect you are going to do an early withdrawal; see what the no penalty
CD's are offering (currently 2.3%)
by Rob5TCP
Thu Feb 28, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 4384

Re: Going to "cash-only" restaurants?

I live in NY and I see more restaurants, lately, that WON'T accept cash. Venmo, c.c., pp and others but no cash. I usually see cash only in some small restaurants downtown and a couple near Chinatown.
by Rob5TCP
Thu Feb 28, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: SSD for a Sony VAIO SVL24147CXB
Replies: 4
Views: 171

Re: SSD for a Sony VAIO SVL24147CXB

Storage Controller

Interface Type
Serial ATA-600
Type
Serial ATA

You should probaly clone the existing drive to a larger size SSD
Look at the size of the space available and make sure it will accomodate the standard size SSD
You might need m.2280 -- just check first.
by Rob5TCP
Mon Feb 25, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Call from SSA office
Replies: 22
Views: 2491

Re: Call from SSA office

If they left you a number to call back; post them so we can a little fun with them.
I do prank some of these clowns, when I am in the mood.
(The caller ID is usually spoofed --- frequently says IRS).
by Rob5TCP
Mon Feb 25, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Call from SSA office
Replies: 22
Views: 2491

Re: Call from SSA office

First it SOUNDS like a scam - so be careful.
Next, see what the number for your local SSA office is and you call them.

You should be able to google that information.
by Rob5TCP
Fri Feb 22, 2019 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard CD's bid/ask spread seem rather large
Replies: 16
Views: 963

Re: Vanguard CD's bid/ask spread seem rather large

After reading this, I will stick with treasuries or new issue CD's.
The secondary market has just too large a spread. I thought what I
saw was an anomaly. Obviously it wasn't.