Search found 3142 matches

by Rob5TCP
Thu Dec 13, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Being locked out of my account and "research team" will contact me in 72 hours
Replies: 33
Views: 3941

Re: Being locked out of my account and "research team" will contact me in 72 hours

It turns out the original code was sent because someone successfully logged in after trying a lot of different logins. They didn't get access because they didn't have the code sent to my phone, thanks 2FA! It was the multiple login attempts (and the successful one) that triggered the fraud review. ...
by Rob5TCP
Wed Dec 12, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: How to tell if online watches are legit?
Replies: 15
Views: 1003

Re: How to tell if online watches are legit?

Frequently from other sellers that have quotos to maintain or from other countries. The watches I've bought from Ashford were new and in perfect condition, but they were the prior year's style. I paid about 55% below what the original MSRP. I checked several sites for pricing before I bought. It cam...
by Rob5TCP
Wed Dec 12, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: How to tell if online watches are legit?
Replies: 15
Views: 1003

Re: How to tell if online watches are legit?

There are a couple of well known sites (two that are mentioned often on here). One is Ashford.com (whom I have purchased 3 watches) and the other Jomashop.com Both are grey goods, but NOT counterfeits. They both have their own warranty. I would check with them before I would go to a 3rd party on Ama...
by Rob5TCP
Tue Dec 11, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Discover Software For Your Small Business?
Replies: 6
Views: 520

Re: How Do You Discover Software For Your Small Business?

I've been a software VAR for small businesses since the early 90's. There is no one software that is right for small businesses with < 250 employees. Contractors have different needs from manufacturers, distributors, medical offices, garment companies, restaurants, the list could go on and on. There...
by Rob5TCP
Tue Dec 11, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRS on making QCD by check from IRA
Replies: 14
Views: 859

Re: IRS on making QCD by check from IRA

From Ed Schott - rather knowledgeable about QCD https://www.irahelp.com/slottreport/5-qcd-rules-you-must-know Also from IRS publiccation Although a conversion of a traditional IRA is considered a rollover for Roth IRA purposes, it isn't an exception to the rule that distributions from a traditional ...
by Rob5TCP
Sun Dec 09, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: ROTH Conversions NY
Replies: 5
Views: 495

Re: ROTH Conversions NY

Did a conversion last year- no NY state/local taxes were due for 20k from my SEP IRA to my Roth. In my case it made sense. Depending on my bracket(s) each year I will decide whether to take it each year. Over 20K (per year) and the there is state/local taxes due on the amount over the 20k. So that w...
by Rob5TCP
Sun Dec 02, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 182
Views: 19582

Re: Best values at Costco? Honestly, a little disappointed...

Some of the things I buy at Costco = that are less than elsewhere Looking over what I have and what I buy regularly or sporadically: Frozen organic Broccoli florets Frozen strawberries Frozen organic cherries Agave Syrup Almond Milk Lactaid Milk Guacamole Half & Half Skinny Pop popcorn Dave's Bread ...
by Rob5TCP
Sun Dec 02, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: FIOS cost after initial deal ?
Replies: 7
Views: 672

Re: FIOS cost after initial deal ?

I have a "dance" with FIOS every 2 years so I don't get stuck with the higher prices. While prices are never great after the into - my "price" now is about $80 for 25Mb including cable and phone. I am the only user so 25Mb is adequate. If I don't haggle it generally goes up $30-$40. Of course, the p...
by Rob5TCP
Sat Dec 01, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: TD security: is more, more?
Replies: 7
Views: 765

Re: TD security: is more, more?

The virtual keyboard was useful when keyloggers were a bigger threat. That is quite awhile now and the feature is useless (if not counter productive as mentioned above). Sending your code through email is also a weak feature (better than nothing). There are better ways today (including Yubikey). It ...
by Rob5TCP
Fri Nov 30, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6360

Re: Cremation seminar – with complimentary lunch

I did the search for cremation for a relative. First call was the Neptune Society. They were about 2.5x what I paid from a local business that only does cremation. When Neptune called back, I asked why they were so expensive. I was told the quote I received didn't include other fees. They were parti...
by Rob5TCP
Thu Nov 29, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Rent v. buy in NYC
Replies: 34
Views: 3541

Re: Rent v. buy in NYC

It's untrue that NY r.e. doesn't go down. Anyone who bought in the late 80's / early 90's watched several years where 20/30% and often more was lost if you sold over those next few years. I bought in 87 as an insider and by 89 the prices were well below what I paid. I held almost 18 years more and t...
by Rob5TCP
Sun Nov 25, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Penalty Free CD
Replies: 4
Views: 772

Re: Penalty Free CD

Ally bank has been running these on/off for the past few years.
Though the 2.75% rate is currently the best penalty fee rate available.
by Rob5TCP
Sun Nov 25, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Penalty Free CD
Replies: 4
Views: 772

Re: Penalty Free CD

I wrote about this a couple of days ago.
It's only available to Nassau/Suffolk County Residents
(and not if your in SouthHampton).

It is a great option - if I were eligible.
by Rob5TCP
Sat Nov 24, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15062

Re: Black Friday 2018

Just bought Hulu limited commercials - $12 for a year. B&D Dust Buster -- mine has a dead battery Some nice chopsticks on sale For Saturday I bought from Peg an Awl a Very large desk caddy organizer (recycled distressed wood - made in Philadelphia) on sale at a reasonable price. Most of my tech stuf...
by Rob5TCP
Sat Nov 24, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I drop Geico Umbrella that I have just bought?
Replies: 17
Views: 1398

Re: Should I drop Geico Umbrella that I have just bought?

Umbrella policy covers NO damage. If you pay to repair it will not reimburse; that is your primary renters policy. If you are SUED for damages to the building, the first 300k comes from your rental policy and above that is from your umbrella policy. This policy is ONLY liability. She did state as lo...
by Rob5TCP
Sat Nov 24, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Tracking Website to Look Like Microsoft Money "Spreadsheet"?
Replies: 5
Views: 927

Re: Personal Finance Tracking Website to Look Like Microsoft Money "Spreadsheet"?

I am still using the sunset version of MS Money and manually download once a month all equity prices and c.c./checking charges & deposits. Takes less than an hour or so each month. Prefer to do it this way than use Quicken (which I hate).
by Rob5TCP
Thu Nov 22, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: 2.75% - 18 month penalty free withdrawls Long Island only
Replies: 0
Views: 267

2.75% - 18 month penalty free withdrawls Long Island only

Saw this earlier today and was planning on taking a trip to Long Island tomorrow. Unfortunately, it is only for Nassau/Suffolk residents and I moved on Long Island And for some reason, East Hampton, Southampton and Shelter Island not eligible. a long time ago. Here are the details (as usual from Ken...
by Rob5TCP
Wed Nov 21, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: predatory lending
Replies: 11
Views: 1958

Re: predatory lending

Are the NY legislators so corrupt they don't close this obscene loophole.
This was a very disturbing article to read.
I will bring to my assemblyman to see if there is anything
he can do.
by Rob5TCP
Wed Nov 21, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: What's the catch? Nikon D750 FX + 24-120mm f/4
Replies: 7
Views: 759

Re: What's the catch? Nikon D750 FX + 24-120mm f/4

Some "satisfied" Jet Customers OneLastPic · 1 year ago Ordered a Panasonic Lumix DMC-LX100 as my travel camera from JetCameras.com earlier today for $419, which is a ridiculously low price. Got a call from their sales rep moments ago, informing me that the order was being processed, and at this pric...
by Rob5TCP
Sun Nov 18, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Ed Slott & Roth Conversions
Replies: 45
Views: 3582

Re: Ed Slott & Roth Conversions

Some states do not tax or tax after a certain withdrawal amount. NY allows 20k per year from your IRA, tax free after 59 1/2 years of age. I've begun converting my IRA to a Roth; knowing that I will be paying state/local if I have to do my RMD on ALL of my IRA. By the time I hit 70 1/2 I hope to con...
by Rob5TCP
Sun Nov 18, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: 23 Fund Managed Portfolio: Is this normal?
Replies: 13
Views: 860

Re: 23 Fund Managed Portfolio: Is this normal?

The fees are quite high, but he can charge whatever he wants. As for 23 funds, your sister will see that and think it must be better than just a 2-4 fund portfolio. I reduced my friends high cost advisor with 15 funds and 10 stocks to just 6. "Advisors" like to have people think it's just too diffic...
by Rob5TCP
Fri Nov 16, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1936

Re: What convenience fees does your city charge for credit card use?

The rental unit I own in Florida charges a $2.50 convenience fee to pay the water bill. Since that amounts to about 7%; I pay it ever other month. This reduced to about 3.5% less the 2% I get back on my c.c. To save a few dollars every year, I wouldn't send a check. I am considering sending a much l...
by Rob5TCP
Thu Nov 15, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 43
Views: 2843

Re: Garmins & Fitbits: Worth it for non-athletes?

I love my FitBit Charge 2. Okay actually, sometimes I hate it like after a run it will suddenly stop taking my heart rate. I think that's because I'm sweaty (I'm not an elite athlete, as I'm guessing 99.99% of BHs aren't either, but I do sweat a lot) after the run, so I give it a pass for that. Usu...
by Rob5TCP
Wed Nov 14, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: World GDP by country 1960-2018 Video
Replies: 7
Views: 665

Re: World GDP by country 1960-2018 Video

Fascinating - thanks.
Watched Japan grow dramatically and looked like it would hit the top spot.

Would love to see this by per capita GDP.
by Rob5TCP
Wed Nov 14, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 43
Views: 2843

Re: Garmins & Fitbits: Worth it for non-athletes?

I've been using the Fitbit ZIP and Charge 2 for several years. The zip is very accurate for step counts (10k per day). I use the charge for sleep tracking. The charge 2 is NOT that accurate for counting steps; sometimes off by 25% or more. I do find them motivating and find I do more when I am track...
by Rob5TCP
Mon Nov 12, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: A Special Kind of Market-Linked CD?
Replies: 14
Views: 785

Re: A Special Kind of Market-Linked CD?

Went to a seminar 1. No dividends 2. Usually sever limits on gains and little or none on the downside (other than you get your original money back when it "matures"). I did have one and it did better than a CD, but the market was strong and I only got a fraction of what the market did. It's not spe...
by Rob5TCP
Sun Nov 11, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: A Special Kind of Market-Linked CD?
Replies: 14
Views: 785

Re: A Special Kind of Market-Linked CD?

Went to a seminar 1. No dividends 2. Usually sever limits on gains and little or none on the downside (other than you get your original money back when it "matures"). I did have one and it did better than a CD, but the market was strong and I only got a fraction of what the market did. It's not spec...
by Rob5TCP
Sun Nov 11, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6184

Re: Point and shoot camera

JUST A WARNING: If some former residents are going to look at some of the camera stores that were once a major source for equipment, one is back (but not what they were). When I was growing up and Willoughby's was the largest camera store in the country (for almost 100 years). Well, the name is back...
by Rob5TCP
Sun Nov 11, 2018 8:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Remember to support this free source
Replies: 21
Views: 2231

Re: Remember to support this free source

Silk McCue wrote:
Sat Nov 10, 2018 8:52 pm
Rob5TCP wrote:
Sat Nov 10, 2018 8:48 pm
Three attempts to donate just failed ??
Were you using PayPal?

Cheers
Yes -- this morning (the 4th time) worked.
by Rob5TCP
Sat Nov 10, 2018 8:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Remember to support this free source
Replies: 21
Views: 2231

Re: Remember to support this free source

Three attempts to donate just failed ??
by Rob5TCP
Sat Nov 10, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 95
Views: 8220

Re: Finances in NYC

All the trip planners can not account for two big events

1. The closing of the L train
2. If Amazon starts moving to LIC, the affect on the 7 train service
(and possibly others).

The first is unknowable until L train apocalypse begins in 5 months.
by Rob5TCP
Sat Nov 10, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 95
Views: 8220

Re: Finances in NYC

Prices do vary considerably by neighborhood. Long Island City was once quite reasonable and close to Manhattan. The last ten years there has been a huge amount of construction of hi rises and pries rose considerable (though were falling the last year or so). Of course, this will change if Amazon doe...
by Rob5TCP
Sat Nov 10, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4090

Re: tipping for grocery delivery

I've been using Fresh Direct (in NY) for at least a dozen years. In the beginning, there was no tip rule and no line when ordering online for tips. I began giving tips almost from the beginning. The few bucks really is meaningless to me and might make a difference. The last 4-5 years, they have a li...
by Rob5TCP
Sat Nov 10, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6184

Re: Point and shoot camera

I bought a Sony RX100 V for $600 used on ebay. This camera takes phenomenal photos and does well in low light, I previously owned the I, II, & III. It is the best camera to take mountain climbing, dslr quality without the weight. I bought a Canon PowerShot SX730HS used on ebay for $120. I use this ...
by Rob5TCP
Sat Nov 10, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6184

Re: Point and shoot camera

As others have mentioned, the G9X (newer model is the G9X II) from Canon nicely fits what I need. The 1" sensor (sensor is actually the Sony RX100) allows for great low light shooting. I bought this a few months before going on vacation to Seattle and Vancouver last month. The images are sharp. The...
by Rob5TCP
Fri Nov 09, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6184

Re: Point and shoot camera

As others have mentioned, the G9X (newer model is the G9X II) from Canon nicely fits what I need. The 1" sensor (sensor is actually the Sony RX100) allows for great low light shooting. I bought this a few months before going on vacation to Seattle and Vancouver last month. The images are sharp. The ...
by Rob5TCP
Wed Nov 07, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3694

Re: Paper or Paperless? How and what financial records do you keep?

I scan everything that I need showing income and anything I might need to show business expenses. Also, any rollovers or transfers of IRA/SEP,etc. I have records going back over 20 years (first in .max format and .pdf the past 15 years). A few years ago, the IRS stated I had a large w/d from my IRA ...
by Rob5TCP
Sun Nov 04, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard CD's vs. Paul Merriman Short Term GOV Bonds +TIPS
Replies: 14
Views: 1212

Re: Vanguard CD's vs. Paul Merriman Short Term GOV Bonds +TIPS

Years ago KevinM did a risk adjusted comparison of bonds vs. CD's. At that time (I think it was 3 or so years ago); the balance was heavily in favor of CD's. Ally had 5 year CD's paying 2.5% or so with only a 2 month interest penalty for EWP. I recently cashed them in for more favorable CD's with a ...
by Rob5TCP
Sun Nov 04, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: tips to protect identity
Replies: 11
Views: 795

Re: tips to protect identity

In addition to one credit card: a new feature is virtual credit card. Since most of my purchases are online, a virtual c.c. gives me the option of setting up a SEPARATE credit card number for each vendor. So, if someone gets my c.c. # for ABC company it will only work at ABC company. An additional f...
by Rob5TCP
Fri Nov 02, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 86
Views: 7817

Re: I Bond fixed rate = 0.5%

Are not TIPS yielding (real) more than 1%? Why buy IBonds? Doesn't one have to pay income tax on imputed income each year for TIPS, but not iBonds? Are TIPS marketable, meaning that selling them before maturity would be at a market price which may be for more or less than their purchase price and i...
by Rob5TCP
Wed Oct 31, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: GE: We Bring Bad News To Life!
Replies: 35
Views: 4752

Re: GE: We Bring Bad News To Life!

A small "victory" A client and friend had a substantial % of her retirement assets in GE (DRIP plus major contributions every month for decades). When I mentioned about Vanguard/Bogleheads a year ago; she told me about her plan. Her Father told her eons to go to find good companies and periodically ...
by Rob5TCP
Fri Oct 26, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Working in NYC: Live in NY or NJ for tax optimization?
Replies: 25
Views: 1828

Re: Working in NYC: Live in NY or NJ for tax optimization?

You may have HIGHER state taxes in NJ than NY
here is the cost of both at $200,000
NY 6.65% NJ 6.37%

http://www.tax-rates.org/New_Jersey/income-tax
http://www.tax-rates.org/New_York/income-tax
by Rob5TCP
Thu Oct 25, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Does New York allow capital loss carry over?
Replies: 1
Views: 239

Re: Does New York allow capital loss carry over?

According to this chart- NY does allow years carry forward https://taxfoundation.org/net-operating-loss-carryforward-carryback-2017/ https://www.journalofaccountancy.com/issues/2010/aug/20103022.html New York, for example, follows federal loss carry forward rules, while New Jersey does not. Federal ...
by Rob5TCP
Fri Oct 12, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3108

Re: Pacific Northwest trip

I just returned yesterday from 10 days Seattle and 3 days Vancouver. Squanomie falls was a great afternoon -- we did a very short hike Mt. Ranier because of the weather. We spent most days just enjoying Seatlle Chihilie Museum/Garden Space Needle Pike Market -- great eats; go to some of the lower le...
by Rob5TCP
Sun Oct 07, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 84
Views: 6407

Re: Poll: BHs who rent - what % of gross do you spend on rent?

Living in NYC (Manhattan) for a number of years. Being self employed my income can vary greatly .
At one time it was over 35%; now closer to15-20%. In a great year it can drop to 8-10%.
(HCOL - near the East Village --
rent stabilized, but certainly not inexpensive for anywhere but S.F. & NYC).
by Rob5TCP
Thu Oct 04, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: Bloomberg - Cliff Asness Interview
Replies: 22
Views: 2077

Re: Bloomberg - Cliff Asness Interview

Thanks for the link -- he is always fascinating to read.
by Rob5TCP
Mon Oct 01, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1328

Re: Health insurance in Canada for An American Visitor

My GF lives in Alberta so she buys insurance before coming to the US. Until she mentioned it, I was even aware that US insurance (especially with a high deductible) might not cover me. RBC insurance wants $75 for 4 days. My Boglehead side says it's not worth the money. But if something should happe...
by Rob5TCP
Sun Sep 30, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1328

Re: Health insurance in Canada for An American Visitor

My GF lives in Alberta so she buys insurance before coming to the US. Until she mentioned it, I was even aware that US insurance (especially with a high deductible) might not cover me. RBC insurance wants $75 for 4 days. My Boglehead side says it's not worth the money. But if something should happen...
by Rob5TCP
Sun Sep 30, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Health insurance in Canada for An American Visitor
Replies: 19
Views: 1328

Health insurance in Canada for An American Visitor

We are in Seattle (thanks for all the suggestions) and had one of the best seafood dinners EVER. (Pike Chowder House) -- now we are going in a few days to Vancouver -- as a US Citizen with a high deductible policy, do I need Canadian health insurance for 5 days? How expensive ($50, $500 ?) She is Ca...
by Rob5TCP
Sat Sep 29, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Consumer reports email with pdf attached??
Replies: 8
Views: 985

Re: Consumer reports email with pdf attached??

I receive digital only and have never received a .pdf
I would email or call to verify that it was ok.
Very unlikely, but there are tons of spoofs out there.