Search found 3253 matches

by Rob5TCP
Tue Jun 18, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 30
Views: 1481

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

What will happen in two years - maybe I will move to RCN (Spectrum a/k/a Time Warner is my last choice). I'm curious why Spectrum is your last choice. I had RCN years ago (maybe in 2008) and I was not pleased. And the customer service made Verizon look good in comparison. I had RCN 15 years ago or ...
by Rob5TCP
Mon Jun 17, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Capital One will only send security notices if you let them spy on you once in a while
Replies: 46
Views: 2851

Re: Capital One will only send security notices if you let them spy on you once in a while

This seems absurd --- If I open an email every 6 months, will it will then not be interuppted. If it drops a tracker I can quickly remove it. The main problem I have leaving Capital one is I get 2% on any c.c. charges and have 6 figures in points (which I would need to quickly could use up). This n...
by Rob5TCP
Sun Jun 16, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 30
Views: 1481

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

I just did my every two years negotiations with Verizon FIOS. My rate had gone up from $113 to $130.77. I have an 800 number for renewals and called. She could give me a different plan since mine was discontinued; but it would cost more. What she did find on TV service, (I allowed her to look at my ...
by Rob5TCP
Sun Jun 16, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Capital One will only send security notices if you let them spy on you once in a while
Replies: 46
Views: 2851

Re: Capital One will only send security notices if you let them spy on you once in a while

This seems absurd --- If I open an email every 6 months, will it will then not be interuppted. If it drops a tracker I can quickly remove it. The main problem I have leaving Capital one is I get 2% on any c.c. charges and have 6 figures in points (which I would need to quickly could use up). This ne...
by Rob5TCP
Sun Jun 16, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Capital One will only send security notices if you let them spy on you once in a while
Replies: 46
Views: 2851

Re: Capital One will only send security notices if you let them spy on you once in a while

I have extensions to my browser that rate and block tracking that I do not wish.
So far no problems with Capital one.

I find Google to be a much greater threat to my privacy than Capital One (I use duckduckgo instead of Google search,
Firefox instead of Chrome, etc and am slowly getting off Gmail.)
by Rob5TCP
Thu Jun 13, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 3856

Re: Best source for buying Gold Coins

Apmex regularly has "sales" on Ebay. I find the prices for NGC graded coins highly competitive. I look for grades 62-65. Usually the more common gold goins are $40 - $150 above melt value in an NGC high grade condition. Don't expect any of the rarer ones to show up at these prices. This one is not o...
by Rob5TCP
Thu Jun 13, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4224

Re: 40+% increase in auto policy (GEICO) - normal?

My auto insurance has gone down a fair amount over the last few years.
However, my umbrella policy went up 33% over 3 years.
When I called I received basically the same answer you did.
Since the umbrella is a the major part of my insurance costs, I stayed
with GEICO.
by Rob5TCP
Thu Jun 13, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Is a 401K Worth It as a Small Business Owner?
Replies: 24
Views: 1521

Re: Is a 401K Worth It as a Small Business Owner?

Here are some sites comparing the most popular small business retirement plan options: https://www.fidelity.com/retirement-ira/small-business/compare-plans https://obliviousinvestor.com/sep-vs-simple-vs-solo-401k/ https://www.usaa.com/inet/wc/investments-ira-compare-sep-simple?akredirect=true https:...
by Rob5TCP
Mon Jun 10, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Travel Advice driving through NYC to Long Island
Replies: 18
Views: 1232

Re: Travel Advice driving through NYC to Long Island

I would compare options on Google and Waze. The time you hit the area reflects (to a degree) the amount of traffic you will encounter. You don't want to be going towards the LIE at 5:30 at night heading East. I've found usually 2pm or a bit earlier for best (or at least not the worst) traffic (for d...
by Rob5TCP
Sun Jun 09, 2019 11:08 am
Forum: Personal Investments
Topic: How to find a reputable, fee-only advisor?
Replies: 14
Views: 1413

Re: How to find a reputable, fee-only advisor?

You can’t get much cheaper than this firm. https://planvisionmn.com/ How is that even possible? If they spend 1-2 hours a year on your portfolio; that works out to $96 per hour (at best) and more likely $48 or less per hour? I have used plan vision for about 6 months. I can personally say, Mark is ...
by Rob5TCP
Sun Jun 09, 2019 7:33 am
Forum: Personal Investments
Topic: How to find a reputable, fee-only advisor?
Replies: 14
Views: 1413

Re: How to find a reputable, fee-only advisor?

mickens16 wrote:
Sat Jun 08, 2019 10:09 pm
You can’t get much cheaper than this firm.

https://planvisionmn.com/
How is that even possible? If they spend 1-2 hours a year on your portfolio; that works out to $96 per hour (at best) and more likely $48 or less per hour?
by Rob5TCP
Thu Jun 06, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Trip to Watertown, CT
Replies: 12
Views: 726

Re: Trip to Watertown, CT

I have a client in Waterbury that I spend a couple of days a year with. Virtually nothing is interesting in/around Waterbury. However, Hartford, West Hartford is another story. Mark Twain House: https://marktwainhouse.org/ accross the street is the Harriet Beecher Stowe House https://www.tripadvisor...
by Rob5TCP
Wed Jun 05, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 2567

Re: Recommendations for "Backup" software

I have been using 2nd copy for years both at home and the office. I like it because you can configure it to use a simple file copy from source to destination. That way you can access your files in the destination (USB or NAS as an example) at any time without going through a restore process. You ca...
by Rob5TCP
Tue Jun 04, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8215

Re: Costco or Sam's Club?

Several times, I've done a test. I've shopped at Sam's club and kept a record of what I bought (mostly stuff from my list). I've done the same with Costco and always come out with 2x my list. For some of the organic products I buy, Costco seemed to have better quality. I've seen much better reviews ...
by Rob5TCP
Mon Jun 03, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 35
Views: 3706

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

I no longer use Chrome but Firefox for my web browser (in privacy mode) For Firefox, 1. Privacy badger to block trackers 2. Duckduckgo privacy essentials (rates each website on privacy) 3. Noscipt to block unwanted javascripts 4. AdBlockerUltimate to block ads 5. Duckduckgo as my search enginge I am...
by Rob5TCP
Sun Jun 02, 2019 8:30 am
Forum: Investing - Theory, News & General
Topic: Your favorite international stock mutual fund
Replies: 16
Views: 1458

Re: Your favorite international stock mutual fund

I also use Vanguard's Total International in my Roth account. Though the last five years
it's been tough to rebalance domestic vs. international by selling Total US and buying
Total International. Hopefully in the LONG run it will "balanceou" out.
by Rob5TCP
Sat Jun 01, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 10873

Re: How long have you been unemployed?

For over 2 years after I stopped grad school (and my first real job). I was fired and decided to take some time off. For part of the time I lived at home. For about 15 months I lived in San Francisco with a side "gig" I had near zero expenses. Rent was very cheap in the 80's in shared house on Van N...
by Rob5TCP
Sat Jun 01, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Discover Identity Theft Protection - $15/month
Replies: 13
Views: 968

Re: Discover Identity Theft Protection - $15/month

A few years back I had a period of 4 stolen C.C. #'s (on the same card) within a two year period. I fought to get the pin as soon as it was available. Plus I do ALL my online shopping with virtual credit cards only. I've not had a card # stolen. That plus putting a freeze on all the major credit ser...
by Rob5TCP
Sat Jun 01, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 57
Views: 4577

Re: Required Minimum Distributions

Vanguard willl w/h 10% of Federal unless advised otherwise by you.
For state w/h they withhold for the following states only:

https://vanguard.com/pdf/sawtc.pdf
by Rob5TCP
Wed May 29, 2019 3:27 pm
Forum: Personal Investments
Topic: Married to an S-Corp owner
Replies: 12
Views: 1260

Re: Married to an S-Corp owner

Here is a short primer from Fidelity -- there are different options for each type of IRA. But, I believe all will also involve employees. I am a single employee S corp - I went with a SEP for simplicity. That would probably not be the best choice for your Wife. https://www.fidelity.com/viewpoints/re...
by Rob5TCP
Wed May 29, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Can I deduct a loss for non-paying patients?
Replies: 48
Views: 3535

Re: Can I deduct a loss for non-paying patients?

You may be able to deduct losses if you switch to accrual accounting instead of cash accounting. Under accrual accounting you would recognize all revenue when you earn it (perform the service) and then recognize losses when they are written off as uncollectable. So there is an option that allows a ...
by Rob5TCP
Sat May 25, 2019 3:26 pm
Forum: Investing - Theory, News & General
Topic: A $2M Scam by a Former Vanguard Supervisor
Replies: 7
Views: 3376

Re: A $2M Scam by a Former Vanguard Supervisor

Thank you - the article was fascinating: The employee was at Vanguard for 23 years.
Wow.

http://money.com/money/5639218/vanguard-account-fraud/
by Rob5TCP
Sat May 25, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 58
Views: 4410

Re: Any audiophiles on this forum?

I did miss the clarity and coherence of the Thiel's but my taste were changing. Sorry to be a wise guy, but presumably your tastes weren’t changing to “unclear and incoherent.” Was the greater video emphasis the thing? More bass power sought, greater midrange emphasis for dialogue, etc? I love my h...
by Rob5TCP
Sat May 25, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 58
Views: 4410

Re: Any audiophiles on this forum?

Had the Thiel 3.5 with an Adcom amp many years ago. Bought it all the Boglehead way (used when newer models came out). When the Adcom blew: a dealer (I believe Innovative Audio) recommended sky high priced amp/pre amp. Since digital was taking over the market I sold my Thiel's and bought equipment m...
by Rob5TCP
Fri May 24, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: How Do You Organize Your Flash Drives?
Replies: 39
Views: 2690

Re: How Do You Organize Your Flash Drives?

What about an encrypted segment on your hard drive.
I use Versa crypt (recommended on Bogleheads years ago). I decrypt
periodically to add new files and to find some records.
The password is over 50 characters (stored on KeePass).
by Rob5TCP
Mon May 20, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Dealing with construction noise
Replies: 27
Views: 1776

Re: Dealing with construction noise

I went through this in my apartment when they did heavy renovation (and some demolition work) on the apt below me. I bought the Bose and the difference was substantial. During the demolition work; I had to leave because the vibrations were horrible (including some photos falling off the wall). Most ...
by Rob5TCP
Sat May 18, 2019 12:28 pm
Forum: Personal Investments
Topic: 4.50% Callable CD vs Bonds
Replies: 11
Views: 2343

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: 16
Views: 1478

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: 16
Views: 1478

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: 2820

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: 1833

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: 16
Views: 1478

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: 16
Views: 1478

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: 16
Views: 1478

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: 545

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: 4236

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: 1681

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: 4081

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: 2526

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: 1517

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: 77
Views: 5645

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: 332

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: 15931

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: 874

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: 940

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: 3556

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: 1334

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: 1334

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: 9594

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: 1713

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 ...