Search found 3316 matches

by Rob5TCP
Mon Oct 14, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 36
Views: 3783

Re: Capital One Eno

Ina bit of irony, my c.c. was just compromised while I am on vacation.
They did use my main # so that is better than figuring out which ENO # was (if that is even possible).
But it is not great to be down to 1 c.c. while on vacation
by Rob5TCP
Sat Oct 12, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 36
Views: 3783

Re: Capital One Eno

This can ONLY be used at XXXXDollar.com Anywhere else it will not be used. Since, I only spend there every few months, it is mostly in the off position; which renders the number useless to anyone else. Disabling the number is the key security feature that is benefiting you here, and in that use cas...
by Rob5TCP
Thu Oct 10, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 36
Views: 3783

Re: Capital One Eno

Before I go to any of the sites I have an ENO #; I first log into ENO. Then when I go to the site it selects the correct one when it comes time to fill in the C.C. # and date. If it is a new site, it creates a new number and name. I always know which virtual number is used for each account. Here is ...
by Rob5TCP
Thu Oct 10, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 36
Views: 3137

Re: Consumer Reports

Like many had the paper version for many many years. Mostly keep the digital (but sometimes let it lapse for a few months). Amazon would be the best, but the reviews are frequently so badly manipulated as to be worthless. Wirecutter seems to be another good choice. For major purchases I still check ...
by Rob5TCP
Wed Oct 09, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 36
Views: 3783

Re: Capital One Eno

The biggest issue with Eno - they don’t show you the virtual card with which the charges on your account are associated. So you set this up for a couple dozen different sites, one of them gets compromised, now you can’t tell which number is the one you have to shut down. When you call in about the ...
by Rob5TCP
Wed Oct 09, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Savings Rate drops to 1.8%
Replies: 37
Views: 4937

Re: Ally Savings Rate drops to 1.8%

Not exactly news, but Ally again is dropping the savings rate to 1.8% effective tomorrow. Is there a reason why you use Ally for your savings? Convenience and the amount I keep is not exactly staggering (less than 20K). While their rates are never the highest, they are usually competitive. For my C...
by Rob5TCP
Wed Oct 09, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Savings Rate drops to 1.8%
Replies: 37
Views: 4937

Ally Savings Rate drops to 1.8%

Not exactly news, but Ally again is dropping the savings rate to 1.8% effective tomorrow.
by Rob5TCP
Tue Oct 08, 2019 8:34 am
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 56
Views: 5461

Re: Best CD rates thread

He made so many. Much were applicable to a time period where CD's presented a much better risk-reward ratio. You can run through some of his posts from the past year below: https://www.google.com/search?q=KevinM+site:bogleheads.org&source=lnt&tbs=qdr:y&sa=X&ved=0ahUKEwi67oae44zlAhVCn-AKHbf_BI44ChCnB...
by Rob5TCP
Tue Oct 08, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 36
Views: 3783

Re: Capital One Eno

Every month I use it at more and more sites. AMX had a one use C.C. for years and for some reason discontinued it. This is the best option I've found. I would love to be able to use it at the few places that I give a c.c. over the phone, but that is not an option. Still this is way more secure than ...
by Rob5TCP
Mon Oct 07, 2019 8:41 pm
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 56
Views: 5461

Re: Best CD rates thread

KevinM has contributed quite a bit over the past few years on CD's.
Additionally he compared risk adjusted comparisons of CD's vs. Bonds.
Quite useful at the time.
by Rob5TCP
Mon Oct 07, 2019 1:55 pm
Forum: Investing - Theory, News & General
Topic: Bond Trap?
Replies: 4
Views: 869

Re: Bond Trap?

The "trap" is a new investor looking at the 19% gained over the past year and not understanding
that most of that gain came from declining bond yields.
by Rob5TCP
Sat Oct 05, 2019 7:08 pm
Forum: Investing - Theory, News & General
Topic: Over Confident in Old-age: Cognitive Decline and Financial Literacy
Replies: 83
Views: 7366

Re: Over Confident in Old-age: Cognitive Decline and Financial Literacy

About 6-7 months ago I read a short book "What to do When I Get Stupid'" Which goes into a fair detail on this subject. While I still have a "bunch" of years before this transpires, making plans ahead seems like a good strategy. https://www.amazon.com/What-When-Get-Stupid-Radically-ebook/dp/B00EDWTF...
by Rob5TCP
Sat Oct 05, 2019 11:10 am
Forum: Investing - Theory, News & General
Topic: Active management - Beware the 'inside view'
Replies: 3
Views: 1177

Re: Beware the 'inside view'

Interesting article on investor behavior --
by Rob5TCP
Fri Oct 04, 2019 9:04 am
Forum: Personal Investments
Topic: Lump sum vs Pension
Replies: 20
Views: 1915

Re: Lump sum vs Pension

I went to the immediate annuities payout calculator site and put in $35k at age 41 and collecting in 24 years. I came out with $358 per month with no survivor balance. https://www.immediateannuities.com/ You can try various scenarios on your own. As mentioned, this assumes very strong financials for...
by Rob5TCP
Tue Oct 01, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 7900

Re: Scam Alert - Verizon Wireless

I was getting so many scam calls, I signed up with Jolly Rodger. Now the known scammers, as well as all local spoofed numbers go to a bot that interacts with the scammer. After the call I am emailed a copy of the "conversation". It's quite funny to hear these slimeballs trying to scam a bot. It cost...
by Rob5TCP
Thu Sep 26, 2019 10:52 am
Forum: Personal Investments
Topic: Fine Art Investments
Replies: 67
Views: 3127

Re: Fine Art Investments

I've heard about Masterworks, a group purportedly providing retail investors with access to fine art as an investment. But I know nothing about them. Here is their webiste -- https://www.masterworks.io/ And info on their website (never very active) No secondary market for their product so you have ...
by Rob5TCP
Thu Sep 26, 2019 9:38 am
Forum: Personal Investments
Topic: Fine Art Investments
Replies: 67
Views: 3127

Re: Fine Art Investments

I remember seeing a story on Art Mutual funds. I found it interesting but I imagine all the costs with it would have made it an iffy proposition. This article from 2015 shows 5 Art Mutual Funds. I tried to find information about these 5 and very little was available. One closed shortly after the art...
by Rob5TCP
Wed Sep 25, 2019 6:37 pm
Forum: Personal Investments
Topic: Fine Art Investments
Replies: 67
Views: 3127

Re: Fine Art Investments

I've collected photographs since my 20's. There have been some works that appreciated tremendously. Two that I bought because I thought they would go up in value did terribly (Brett Weston - a well known photographer). Some have increased 4-5x in value in 25+ years. Many have increased more than inf...
by Rob5TCP
Mon Sep 23, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 9339

Re: Best place to buy Microsoft Office 2019....

I've bought MS Office on sale at NewEgg. It doesn't have the crazy $25 price, but I don't trust those offers. I've registered mine with MS without a problem and have transferred the license (this year) when I replaced my computer. Some of the so called discount have difficulty registering (with good...
by Rob5TCP
Wed Sep 18, 2019 11:00 am
Forum: Personal Investments
Topic: Annuity question
Replies: 19
Views: 1790

Re: Annuity question

For comparison - try out a SPIA from this site.
You can then compare how good or bad your offer is.
Assuming there are not a ton of gotchas on your.

https://www.immediateannuities.com/
by Rob5TCP
Wed Sep 04, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: Inflation Protected Securities: When to Get in, not How
Replies: 64
Views: 3854

Re: Inflation Protected Securities: When to Get in, not How

With I Bonds yielding .5% real return, I would purchase those for my first $10,000 (or $20,000 if married) and then TIPS above that. The I Bonds are very likely to go down after 10/31; maybe back to 0%. Good to know. I may buy $10k toward the end of September. There may be a rush the end of Sept - ...
by Rob5TCP
Wed Sep 04, 2019 7:28 am
Forum: Investing - Theory, News & General
Topic: Inflation Protected Securities: When to Get in, not How
Replies: 64
Views: 3854

Re: Inflation Protected Securities: When to Get in, not How

With I Bonds yielding .5% real return, I would purchase those for my first $10,000 (or $20,000 if married)
and then TIPS above that.

The I Bonds are very likely to go down after 10/31; maybe back to 0%.
by Rob5TCP
Mon Sep 02, 2019 7:33 pm
Forum: Personal Consumer Issues
Topic: Internet security and vpn
Replies: 35
Views: 2891

Re: Internet security and vpn

What about hard wiring directly into router/modem. Does that make any difference in level of security? Not if you use encrypted wifi with WPA2 encryption (the most common version today). That has not been broken. What threat are you concerned about? Does the NSA have a van parked on your street to ...
by Rob5TCP
Mon Sep 02, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4419

Re: Long Island NY housing

I grew up off Cherry Valley Road (which was just off one of the main streets - Nassau Blvd). G.C. High is always on one of the list of the hundred or so best schools in the country. Adelphia University (is also off Cherry Valley Road). Taxes while very high, I believe were a little bit less than oth...
by Rob5TCP
Thu Aug 22, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Simple model for cost savings moving from NY to FL?
Replies: 4
Views: 495

Re: Simple model for cost savings moving from NY to FL?

here are a couple of sites comparing various costs might have some useful info - though tax savings are not included https://www.numbeo.com/cost-of-living/compare_cities.jsp?country1=United+States&city1=New+York%2C+NY&country2=United+States&city2=Miami%2C+FL https://www.bestplaces.net/cost-of-living...
by Rob5TCP
Sat Aug 17, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: I and EE bonds
Replies: 17
Views: 2071

Re: I and EE bonds

I bonds - the composite rate can not go below zero (during deflationary times).
Could the I Bond (real rate) & EE Bonds go below zero; not sure if there is any law
preventing it.
by Rob5TCP
Fri Aug 16, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: BravoCon 2019 sold out in 1 minute
Replies: 8
Views: 940

Re: BravoCon 2019 sold out in 1 minute

Fans and scalpers?
by Rob5TCP
Fri Aug 16, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 53
Views: 5457

Re: Best secure email to use instead of gmail?

Google is very good on security; horrible (among the worst) on privacy.
I swtiched to Proton mail (from recomendations on this site) for my main
email (I have 6 email accounts).

They have both free and commercial accounts.

https://protonmail.com/
by Rob5TCP
Wed Aug 14, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Experience with “change airport” itinerary(LGA to JFK)?
Replies: 33
Views: 2008

Re: Experience with “change airport” itinerary(LGA to JFK)?

This article on traffic / delays in & out of Laquardia should
give you an indication of potential problems
(with videos)

https://www.msn.com/en-us/travel/news/s ... spartandhp
by Rob5TCP
Mon Aug 12, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 45
Views: 3369

Re: Hearing Aids

A review of Costco from an admittedly biased source (an audiologist) Yet - he still raises some valid points: I am right on the edge now -- just moderate but considering buying in the not too distant future https://hearinghealthmatters.org/theaudiologycondition/2019/costco-hearing-aids-good-bad-ugly...
by Rob5TCP
Mon Aug 12, 2019 3:32 pm
Forum: Investing - Theory, News & General
Topic: I bonds now a good buy?
Replies: 6
Views: 1737

Re: I bonds now a good buy?

Historically rates have been much higher, but this is the best we have over the past 10-11 years. I DON'T see rates going higher in November, if anything they will probably go lower. Anything can happen, but it seems unlikely in this environment. If your concerned buy them a few weeks before the new...
by Rob5TCP
Sun Aug 11, 2019 3:07 pm
Forum: Investing - Theory, News & General
Topic: With Rates Falling Should U Buy Annuity?
Replies: 18
Views: 1895

Re: With Rates Falling Should U Buy Annuity?

One of my clients asked me this a month or two ago. We did some searching: Most of your annuity payback comes from your investment. (anywhere from 40-65%) Second payback is from mortality credits. (10-60%) Third most important is interest rates. (2-15%) This will vary depending on the age of person ...
by Rob5TCP
Sun Aug 11, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: Is it time to sell I-Bonds?
Replies: 18
Views: 1972

Re: Is it time to sell I-Bonds?

With the state tax exemption the difference might be nominal. Is the inflation protection worth anything to you? Also, if yours are 0% real return, you might start selling those and buy the new ones that are .5% real return. That should give you more than CD's (with the advantage again of tax exempt...
by Rob5TCP
Fri Aug 02, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: "Earth First" Brand Toilet Paper @ Costco
Replies: 24
Views: 1743

Re: "Earth First" Brand Toilet Paper @ Costco

I also used Kirkland but switched to Earth First. True, It's not Charmin but it's ok.
If it was truly bad, I would have switched back (or to something else).

Here is a Chart I was sent about the good, the bad and the ugly.

https://www.nrdc.org/stories/shoppers-g ... e-products
by Rob5TCP
Thu Jul 18, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Exceeding FDIC insurance
Replies: 4
Views: 397

Re: Exceeding FDIC insurance

Thank you - used the calculator and it looks like she is good to go.
by Rob5TCP
Thu Jul 18, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Exceeding FDIC insurance
Replies: 4
Views: 397

Exceeding FDIC insurance

A close friend just asked me:

If she opens a 18 month CD with 235k in her name alone
and another 18 month CD in her name with her son as the beneficiary
does FDIC insurance cover the full 470k (plus interest) or just 250k?
by Rob5TCP
Sat Jul 13, 2019 6:40 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 129
Views: 50502

Re: WSJ Digital Subscription - a bargain!

I haven't. Still works. Looks like it's hit or miss. My subscription to the wsj just stopped working. Drat. So far, mine is still working. Almost 6 months. Well it stopped today -- after calling WSJ support - it seems my subscription was a complintary one and it ended 2 weeks ago. No money was ever...
by Rob5TCP
Wed Jul 10, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Virgin Mobile has become a joke for NYC service
Replies: 17
Views: 1420

Re: Virgin Mobile has become a joke for NYC service

I've narrowed the choice down to Straight Talk vs. TotalWireless.
I will go online and check reviews of both.
Thank you for the suggestions.
by Rob5TCP
Tue Jul 09, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: Virgin Mobile has become a joke for NYC service
Replies: 17
Views: 1420

Re: Virgin Mobile has become a joke for NYC service

I've gotten a human support person (offshore). First they said my phone. Then when I explained that walking 5-10 blocks gives me a signal; they changed that tune. Then they said they were working on the tower in my area. Then they weren't. Then they were again, but couldn't give me a date when (if) ...
by Rob5TCP
Tue Jul 09, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Virgin Mobile has become a joke for NYC service
Replies: 17
Views: 1420

Re: Virgin Mobile has become a joke for NYC service

After my most recent conversation with them - and it becoming apparent that I am being lied to (for what reason I can not fathom); this weekend I begin to look at alternatives including Cricket and Total. My data usage is about .5 - 1GB/month since most of my work requires me to be at a full size PC...
by Rob5TCP
Tue Jul 09, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Virgin Mobile has become a joke for NYC service
Replies: 17
Views: 1420

Re: Virgin Mobile has become a joke for NYC service

When I started with them many many years ago -- they had the best options (less than 1/2 of what I was paying at Verizon).
by Rob5TCP
Tue Jul 09, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Virgin Mobile has become a joke for NYC service
Replies: 17
Views: 1420

Re: Virgin Mobile has become a joke for NYC service

Your in Fargo, I am trying to find out how service is for people close to me.

I gave them until Friday to come up with an answer (they won't have it and will just ask for more time).

I will check out Cricket and Total Wireless to see how the service is by me.
by Rob5TCP
Tue Jul 09, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Virgin Mobile has become a joke for NYC service
Replies: 17
Views: 1420

Virgin Mobile has become a joke for NYC service

For 5 days, I've been unable to receive/send data with Virgin Mobile. Four hours on the phone with different reps have gotten the following: 1. There is nothing wrong with your area 2. They are upgrading your service and it may be 2-4 days before it is back to normal (no notice of this anywhere). 3....
by Rob5TCP
Thu Jul 04, 2019 4:51 pm
Forum: Personal Investments
Topic: Prime Money Market or Total Bond Market
Replies: 63
Views: 7210

Re: Prime Money Market or Total Bond Market

If interest rates rise (as many are predicting right now) the value of the total bond market will increase in value while prime money market will decline. Prime should reflect declining values more quickly than the Prime. Prime probably won't break the dollar, but the rates will more quickly reflec...
by Rob5TCP
Thu Jul 04, 2019 4:32 pm
Forum: Personal Investments
Topic: Prime Money Market or Total Bond Market
Replies: 63
Views: 7210

Re: Prime Money Market or Total Bond Market

If interest rates rise (as many are predicting right now) the value of the total bond market will increase in value while prime money market will decline. Prime should reflect declining values more quickly than the Prime. Prime probably won't break the dollar, but the rates will more quickly reflect...
by Rob5TCP
Sun Jun 30, 2019 8:48 am
Forum: US Chapters
Topic: New York City Local Chapter established
Replies: 247
Views: 83044

Re: New York City Local Chapter established

all this is not BH related but I saw this posted on EventBrite, I thought people would be interested https://www.eventbrite.com/e/soho-forum-debate-teresa-ghilarducci-vs-gene-epstein-tickets-52725261677?aff=ebdssbdestsearch Description Monday, June 17, 2019 Teresa Ghilarducci vs. Gene Epstein Resol...
by Rob5TCP
Sun Jun 30, 2019 8:04 am
Forum: Personal Investments
Topic: Buying physical gold
Replies: 53
Views: 8156

Re: Buying physical gold

I've bought from Apmex (more in the past). Generally I wait for "sales" when NGC graded coins (anywhere from MS62-MS64) are $50-$99 above melt value (or spot price). While they are high volume dates, I prefer them to the more recent. There is some nusimatic value, but I am not paying a large premium...
by Rob5TCP
Sat Jun 29, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 129
Views: 6436

Re: Relocate to Seattle or NYC

If you can negotiate one a week at the office and 4 days WFH, the NYC choice is a clear winner. You could easily live even 50-75 miles away -- if the office is near Grand Central you can live many places North of the city and have a fairly stressfree commute. If near Penn Station you have NJ with NJ...
by Rob5TCP
Fri Jun 28, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: NYC Apartment to sue or not to sue
Replies: 44
Views: 5473

Re: NYC Apartment to sue or not to sue

SUBLETTING a Rent Control APT in NYC is strictly a violation of the lease... Good luck shaking down an NYC landlord with fruit from a rotten tree. This is why we can't have nice things anymore. If I was the landlord I would fight you tooth and nail, when you finally get to court in 3-4 years. If yo...